{"took":143,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":93,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1552161","_score":18.585106,"_source":{"product":"Money transfers","complaint_what_happened":"On XXXX XXXX I used Western Union 's online services XXXX. On the web page this company offers a high level of security for all transactions, XXXX of them is that the receiver will got the XXXX XXXX Track number XXXX to receive the money. The problem was that I never give to him the XXXX number, but he just knowing my first and last-name, and knowing my phone number could call to Western U. to change, first the receiver name ( for this change I never received a change confirmation to my mail account, in addition he needed the amount and the date of the transfer so, how this was a trade transaction he already knows these details. So was very easy for him change the receiver name XXXX unbeknownst to me XXXX and then, I do n't know how he could ask for the XXXX to pick up the money the next day XXXX XXXX XXXX XXXX. the XXXX XXXX night I called to the phone number provide by the company XXXX call us toll free XXXX at XXXX ) to cancel the transfer but in that hotline they told me that I should call between certain hours ( so it 's not a XXXX line and also the one who told me that was a record not an agent ) then I tried by chat but also I could n't do it cause the agent told me that he could n't do it for this channel so he suggested me to call to the number above provide. \nOther of the Western Unions ; security rules is that you can not make any change if you do n't call from the phone number provided on the web page but the think that Western Union should know is that now exist different programs through you can make phonecalls without use the cellphone ( physically XXXX but if the phone number. \nFinally this guy stole my money unbeknownst to me because all these security fails of WU. I would like my money back WU does n't comply with all the things that they offer in their services.","date_sent_to_company":"2015-09-04T22:13:25.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"200XX","tags":null,"has_narrative":true,"complaint_id":"1552161","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WESTERN UNION COMPANY, THE","date_received":"2015-09-04T22:13:25.000Z","state":"DC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Other of the Western Unions ; <em>security</em> rules is that you can not <em>make</em> any <em>change</em> if you do n't call from the phone number provided on the web page but the think that Western Union should know is that now exist different <em>programs</em> through you can <em>make</em> phonecalls without use the cellphone ( physically XXXX but if the phone number. \nFinally this guy stole my money unbeknownst to me because all these <em>security</em> fails of WU."]},"sort":[18.585106,"1552161"]},{"_index":"complaint-public-v1","_id":"8710372","_score":13.639368,"_source":{"product":"Debt or credit management","complaint_what_happened":"AMERICAN EXPRESS COMPANY has failed to perform their duties as my securities intermediary. Pursuant to UCC 8-504 as my securities intermediary they are to perform their duties to properly maintain all of my security entitlements in my favor as the entitlement holder. These duties include debt settlement services that are described in 31 CFR Subtitle B ChapterII Subchapter A Part 357. The securities accounts were established by barter by which I issued XXXX applications ( securities ) that were turned into securities accounts ( consumer accounts ) that became receivables that were turned into asset backed securities ( ABS ). This is all outlined in their prospectus. The problem is I've given value by issuing these securities that they used as collateral in the Treasury commercial book entry system ( TRADES ) by which through their illegal partnership with itself that's also outlined in their prospectus which takes advantage of the STRIPS program to sell the parity bonds and interest coupons seperately on the secondary market. American Express Travel Related Services Company , Inc distributes its commercial paper through XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to institutional and corporate investors. \n\nOn XX/XX/XXXX, the Securities and Exchange Commission ( the Commission ) adopted Rule 192 under the Securities Act of XXXX ( the Securities Act ), a rule that is designed to prohibit material conflicts of interest in certain securitizations.1 Rule 192 implements Section 621 of the XXXX XXXX XXXX Reform and Consumer Protection Act ( XXXX ) ,2 which was codified as Section 27B ( Section 27B ) of the Securities Act. Subject to certain exceptions, Section 27B prohibits certain participants in asset-backed securities ( ABS ) securitization transactions from engaging in transactions within a designated time period that would involve or result in any material conflict of interest. Section 27B directed the Commission to issue rules implementing this prohibition no later than 270 days after the enactment of XXXX ( i.e., within 270 days of XX/XX/XXXX ). \n\nRule 192 prohibits : an underwriter, placement agent, initial purchaser or sponsor of an ABS, as well as certain affiliates or subsidiaries of such an entity ( collectively, Securitization Participants ) ; for a period commencing on the date on which a person has reached an agreement that such person will become a Securitization Participant with respect to an ABS and ending on the date that is one year after the date of the first closing of the sale of such ABS ; from directly or indirectly engaging in any transaction that would involve or result in a material conflict of interest between the securitization participant and an investor in such ABS ( e., a Conflicted Transaction ). \n\nUnder the Pooling and Servicing Agreement the trustee is to authenticate, deliver, cancel ( debt settlement services ) and otherwise administer the investor certificates. My certificates of indebtedness were to always be authenticated and the cancellation of all debts were to transpire every month without fail. This has resulted in a great loss to me as an investor in the company. XXXX is the owner of the accounts which contain the receivables that are purchased by RFC III pursuant to the purchase agreement and then transferred by RFC III to the trust. It has been noted that the bank has had issues with the securitization of the securities that are acquired from consumers in the past. Im sure American Express Credit Account Master Trust values its designation with the IRS as NOT being a publicly traded partnership along with XXXX XXXX. The problem is they are the exact opposite and are trading my securities on the secondary market. XXXX ( American Express Travel Related Services Company , Inc ) acts as underwriter and purchases securities. XXXX, an affiliate of the transferor, will purchase directly all of the Class B certificates upon initial issuance and, at a subsequent date, may sell all or a portion of those certificates in one or more negotiated transactions, or otherwise, at varying prices to be determined at the time of sale. In connection with any such sale, XXXX may be deemed to be an underwriter of the Class B certificates under the Securities Act of XXXX and any discounts or commissions received by it and any profit realized by it on the sale or resale of the Class B certificates may be deemed to be underwriting discounts and commissions. This is a major conflict of interest according to the SEC. \n\nAmerican Express has continuously failed at their duties and have grossly mismanaged my securities accounts by failing to accurately credit each account so that all book entry securities can be redeemed according to law which settles my debts and aids in the lowering of the national debt average. What further provides evidence of there willful negligence pursuant to In American Express Company 's last response to my CFPB complaint where I asked for the debt validation pursuant to 15 USC 1692g. They furnished copies of several commercial book entry securities in certificated form ( bills ). According to 31 CFR Subtitle B ChapterII Subchapter A Part 357 under definitions bills are obligations of the U.S. This further validates how they abused their authority and utilized DTC to place me in minor status ( change ownership ) so that they can act as custodian of my accounts which ultimately aided in their securities fraud. I am not incompetent! \n\nEarlier I referenced how American Express Company has taken my securities and used them to take advantage of the Treasury Tax and Loan Program. My securities which are parity bonds are category 1 obligations issued and fully insured or guaranteed by the United States Government or a United States Government agency. Please explain to me how is it possible for my lines to be closed which were bartered for and agreed to under contract law. Under STRIPS you take my book entry coupons and bonds and make large amounts of profits. I've given American Express Company value pursuant to UCC 1-204 in exchange for a binding commitment for American Express Company to extend credit or the extension of immediately available credit. This is further backed by TILA in which I was to receive open ended lines of credit in return for me issuing collateral for them to use to take to the Treasury for consideration. Part of their ordinary course of business is the extension of credit and the settlement of debt services as a securities intermediary. I never received open ended lines of credit and I never received debt settlement services outlined in 31 CFR Subtitle B ChapterII Subchapter A Part 357.\n\nAmerican Express Company was to redeem my bonds and coupons without fail monthly and credit my securities account without fail. The interest payments were entitled to me as the entitlement holder. They are liable for all damages to me pursuant to 15 USC 1681n for intentionally creating a billing error monthly to hide their securities fraud scheme.\n\nPursuant to FOIA, UCC 9-210, and The Financial Recordkeeping and Reporting of Currency and Foreign Transactions Act of XXXX ( 31 U.S.C. 5311 et seq. ) is referred to as the Bank Secrecy Act ( BSA ) I am requesting all accounting both public and private according to XXXX. This means that I want the everything from XXXX to the money net daily transaction log 120 pursuant to 31 CFR 363.6. You can not refuse to provide this accounting. Show me why my accounts were never lawfully credited.","date_sent_to_company":"2024-04-06T05:45:23.000Z","issue":"Didn't provide services promised","sub_product":"Debt settlement","zip_code":"38654","tags":null,"has_narrative":true,"complaint_id":"8710372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-04-06T03:25:23.000Z","state":"MS","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, the <em>Securities</em> and Exchange Commission ( the Commission ) adopted Rule 192 under the <em>Securities</em> Act of XXXX ( the <em>Securities</em> Act ), a rule that is designed to prohibit material conflicts of interest in <em>certain</em> securitizations.1 Rule 192 implements Section 621 of the XXXX XXXX XXXX Reform and Consumer Protection Act ( XXXX ) ,2 which was codified as Section 27B ( Section 27B ) of the <em>Securities</em> Act."]},"sort":[13.639368,"8710372"]},{"_index":"complaint-public-v1","_id":"2812339","_score":12.377351,"_source":{"product":"Mortgage","complaint_what_happened":"I bought my home with an FHA loan and it is with Ocwen. Ocwen is a bad company, they are terrible at communicating, they transfer me to XXXX and I talk to people who are hard to understand. They won't tell me what is going on with my homeowner assistance request and send me threatening letters about how they are going to sell my home. They are ignoring me and will not open up a review of my current financial information or assign an account manager. I have told them that things have changed with my financial circumstances but they don't seem to care and are just marching to foreclosure. I want to fix this and have enough income to make the mortgage payment now but need them to work with me. \n\nI bought my home in XX/XX/XXXX with an FHA loan backed by HUD that was with XXXX, then XXXX and has been with Ocwen for the last few years. I worked in steel fabrication management for over 30 years and made a solid living and had no issues with any bills or mortgage payment until my vengeful ex-wife got into my bank accounts and literally stole everything that I had in XX/XX/XXXX. This was a shock, I had no money to pay any bills and defaulted on my mortgage. I began borrowing money from friends and relatives to try and get caught up and was making double payments to Ocwen to show good faith., I ended up having my wife arrested and she went to jail for her actions. Just when I thought I was getting caught up on things I suffered a XXXX XXXX and was out of work. When I was ready to come back I was laid off. \n\nI tried to find a job in XXXX XXXX XXXX but due to my age I was not able to find that type of role. I ended up taking a security guard job at XXXX. Although I make less money, at least I have the means to pay my bills. I have been trying to get Ocwen to conduct a review of my current and correct financial information. As stated, I have a live-in girlfriend who contributes and I am working full time. Because of my low loan balance, I am certain that I qualify for loan modification, partial claim, special forbearance or even a repayment plan. However, instead of opening a new review and assigning a point of contact, Ocwen has chosen to put me in foreclosure and set a sale date. \n\nI was told that Ocwen is REQUIRED to conduct a review of the current financial information and allow me to be considered for these programs. I don't know why they have failed to offer this to me, why they have failed to assign a designated point of contact. I don't know why Ocwen will not communicate with me, and instead chooses to harass me with threatening letters. I want to fix this, I want to pay, but a review needs to be conducted. I can make a mortgage payment and can address the late payments as well if Ocwen would just give me the chance.","date_sent_to_company":"2018-02-13T05:26:47.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"622XX","tags":null,"has_narrative":true,"complaint_id":"2812339","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2018-02-13T00:23:55.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I ended up taking a <em>security</em> guard job at XXXX. Although I <em>make</em> less money, at least I have the means to pay my bills. I have been trying to get Ocwen to conduct a review of my current and correct financial information. As stated, I have a live-in girlfriend who contributes and I am working full time. Because of my low loan balance, I am <em>certain</em> that I qualify for loan modification, partial claim, special forbearance or even a repayment plan."]},"sort":[12.377351,"2812339"]},{"_index":"complaint-public-v1","_id":"2580549","_score":12.118981,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Dear CFPB,\n\nI'm contacting you to file a complaint against the XXXX XXXX program card (you can spend the points you accumulate at certain stores like XXXX or XXXX,...) in where I lost ~$XXXX  worth in their point system on XX/XX/2017 due to identity fraud of someone posing to be me (it was obvious fraud because of differing geolocation from where I live) and spending all my XXXX points  in a shopping spree worth $XXXX ($XXXX at XXXX plus $XXXX at XXXX ).\n\n\nWhat frustrates me is that XXXX XXXX does nothing about it despite contacting them over 20 times.\n\nEvery time I call/email their customer support (I have multiple case numbers recorded) to try to get my points back or at least something resolved, you can tell the customer support representative is going through a memorized script and I can never escalate to a supervisor because they are always \"out\". They then always proceed to end the call promising that they will call back which they never do- even when I asked them to be specific about the time and day. Every time I call, I always get a different CSR and my case is somehow still on square one despite it being over 5 months \"pending\".  Below is an example of an email where they give false escalation and time period to when they will contact you back which is never:\n\n\n\n---------- Forwarded message ----------\nFrom: \nDate: Sat, XX/XX/2017 at XX/XX/XXXX XXXX\nSubject: Resolution for your missing points claim:XXXX \nThank you for having contacted XXXX.\n\nRegarding your XXXX points dispute, we are aware that you have spoken with us various times. We have escalated this to a higher level with the XXXX Special Team. Please allow us 5 to 7 more  business days to provide you with a final resolution.\n\nWe know these points are important to you and apologize for the delay. For your convenience, you can track your points and view your account summary online at XXXX or on your mobile app.\n\nSincerely,\nThe XXXX Service Team\n\n-----------------------------------------------------------\nXXXX: XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX\n-------------------------------------------------------------------------------------------------------------\n\n\n\nWhat makes this even worse is their system security is so poor that, even though I changed my PIN number and got a new XXXX card the next day the identity fraud happened (XX/XX/2017), I got hacked again on XX/XX/2017  saying I  used the XXXX  points I've started accumulating again [not the XXXX points (equivalence of $XXXX) that were lost the first time].\n\nI'm writing to you because this is very frustrating to me in lost money ($XXXX), time (over 5 months), and identity (twice taken) and that XXXX XXXX card is not responding in any way to correct this. I honestly do not think I'm the only disgruntled customer at XXXX XXXX card and that there is something fishy going on with this \"rewards program card\".  See more horrific complaints on their XXXX page: XXXX\n\nHere is XXXX Rewards website to give you context of what it is: XXXX \nI'd be more than grateful if CFPB could get to the bottom of this.\n\nSincerely,","date_sent_to_company":"2017-07-27T18:12:36.000Z","issue":"Problem with a purchase or transfer","sub_product":"Gift card","zip_code":"94545","tags":null,"has_narrative":true,"complaint_id":"2580549","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2017-07-20T18:44:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["Sincerely,\nThe XXXX Service Team\n\n-----------------------------------------------------------\nXXXX: XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX\n-------------------------------------------------------------------------------------------------------------\n\n\n\nWhat <em>makes</em> this even worse is their system <em>security</em> is so poor that, even though I <em>changed</em> my PIN number and got a new XXXX card the next day the identity fraud happened (XX/XX/2017), I got hacked again on XX/XX/2017  saying I  used the XXXX"],"sub_issue":["Charged for a purchase or transfer you did not <em>make</em> with the card"]},"sort":[12.118981,"2580549"]},{"_index":"complaint-public-v1","_id":"6024672","_score":11.797558,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Compliant about : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Mail Inquiries To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Customer Service XXXX XXXX Late payment for the month of XX/XX/2022. \n\nI have made several complaints to XXXXXXXX XXXX XXXXXXXX in regards to my ONE AND ONLY late payment which was reflected on the month of XX/XX/2022. When I first contacted XXXX XXXX  in regards to this late payment, I was told that the late payment would no longer be reflected on my 3 credit reports any longer. Months have passed, and no changes had been made. So recently a couple days ago on XX/XX/2022 at XXXX, with a conversation lasting 25 minutes from the beginning of the phone call ( as stated on XXXX ). I was told that according to consumer reporting policies, they would not be able to dispute and remove the late payment at all, and under any circumstances. I mentioned the fact that I have disputed with other more REPUTABLE XXXX XXXX XXXX in the past that hold much more leverage in the financial markets for consumer credit and those more reputable financial institutions have indeed been able to remove past late payments due to the exact same reason I am disputing this late payment. \n\nIn XX/XX/2022, I was late on my XXXX payment solely due to the fact that I was infected with XXXX ( XXXX  XXXX ) which is considered a part of a natural disaster under the CARES Act, approved by Congress, Senate and the President of the United States. \n\nAs stated on the Consumer Financial Protection Bureau website : The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that may apply to your situation.\n\nAs with other natural disasters and emergencies, your creditors or lenders may be willingand in some case are requiredto provide forbearance, loan extensions, a reduction in interest rates, and/or other flexibilities for repayment. Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Under the CARES Act, in certain situations, lenders are required to report your accounts as current. \n\nYou can reach out to your lender or creditor and find out what options or programs are available. These programs are sometimes called \" hardship '' or \" relief programs. '' These programs may allow you to enter into an agreement to : Defer or pause one or more payments Make a partial payment Forbear ( temporarily stop paying ) any delinquent amounts Modify a loan or contract Receive a suspension for federal student loan payments Other assistance or relief The CARES Act calls these agreements accommodations. \n\nI feel as if XXXXXXXX XXXX XXXXXXXX is not only avoiding my complaint as negligent, but also as discriminatory towards the fact that this is a well known global epidemic that is still continuing to this very day. This is the ONLY LATE PAYMENT Ive had with this trade line or any other trade line on my credit reports, because this account does not have automatic bill pay and every time Ive used my main XXXX  account, it does not allow me to use it. I did not have the energy, the focus and the ability to make a payment due to being affected by XXXX and I feel like its more important for everyone to be aware that a SECURED CREDIT CARD THAT ISNT EVEN A REAL CREDIT CARD BECAUSE THEY USE THE CONSUMERS MONEY AGAINST THE CONSUMER FOR CREDIT REPORTING SERVICES TO BUILD A CONSUMERS CREDIT REPORT IS DISCRIMINATORY TOWARDS THOSE IMPACTED BY THE XXXX XXXX. \n\nThis is irresponsible, against federal laws enacted by both the legislature and executive branches of the United States, is a virus recognized by the : XXXX ( XXXX XXXX ), WHO ( World Health Organization ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX  XXXX ), US Federal Reserve, USA ( United States of America ), XXXX XXXX XXXX XXXX ) and pretty much every nation, agency, consumer providing company, corporation, lender, financial institution across the world. \n\nI demand an immediate reversal of this trend and behavior with XXXX XXXX  XXXX XXXX on all three major credit reporting agencies : XXXX TransUnion XXXX And other agencies : 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 XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX  Preferred not only in regards to my specific account, but with anyones complaints in regards to those impacted by XXXX who were unable to make financial obligations while impacted by XXXX XXXX XXXX which takes more precedence for life and health, before a payment made to a secured credit card payment where they use the consumers money against the consumers credit report. \n\nThey are violating the CARES Act and should be investigated and reasonably penalized by the Federal Government for making such adjustments not possible under Federal Law.","date_sent_to_company":"2022-09-27T20:30:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80134","tags":null,"has_narrative":true,"complaint_id":"6024672","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-27T20:30:07.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Under the CARES Act, in <em>certain</em> situations, lenders are required to report your accounts as current. \n\nYou can reach out to your lender or creditor and find out what options or <em>programs</em> are available."]},"sort":[11.797558,"6024672"]},{"_index":"complaint-public-v1","_id":"6024671","_score":11.797558,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Compliant about : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Mail Inquiries To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Customer Service XXXX XXXX Late payment for the month of XX/XX/2022. \n\nI have made several complaints to XXXXXXXX XXXX XXXXXXXX in regards to my XXXX AND ONLY late payment which was reflected on the month of XX/XX/2022. When I first contacted XXXX Bank in regards to this late payment, I was told that the late payment would no longer be reflected on my 3 credit reports any longer. Months have passed, and no changes had been made. So recently a couple days ago on XX/XX/2022 at XXXX, with a conversation lasting 25 minutes from the beginning of the phone call ( as stated on XXXX ). I was told that according to consumer reporting policies, they would not be able to dispute and remove the late payment at all, and under any circumstances. I mentioned the fact that I have disputed with other more REPUTABLE consumer financial services in the past that hold much more leverage in the financial markets for consumer credit and those more reputable financial institutions have indeed been able to remove past late payments due to the exact same reason I am disputing this late payment. \n\nIn XX/XX/2022, I was late on my XXXX payment solely due to the fact that I was infected with XXXXXXXX XXXX XXXX  XXXX ) which is considered a part of a natural disaster under the CARES Act, approved by XXXX, XXXX and the President of the United States.\n\nAs stated on the Consumer Financial Protection Bureau website : The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that may apply to your situation.\n\nAs with other natural disasters and emergencies, your creditors or lenders may be willingand in some case are requiredto provide forbearance, loan extensions, a reduction in interest rates, and/or other flexibilities for repayment. Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Under the CARES Act, in certain situations, lenders are required to report your accounts as current. \n\nYou can reach out to your lender or creditor and find out what options or programs are available. These programs are sometimes called \" hardship '' or \" relief programs. '' These programs may allow you to enter into an agreement to : Defer or pause one or more payments Make a partial payment Forbear ( temporarily stop paying ) any delinquent amounts Modify a loan or contract Receive a suspension for federal student loan payments Other assistance or relief The CARES Act calls these agreements accommodations. \n\nI feel as if XXXXXXXX XXXX XXXXXXXX is not only avoiding my complaint as negligent, but also as discriminatory towards the fact that this is a well known global epidemic that is still continuing to this very day. This is the ONLY LATE PAYMENT Ive had with this trade line or any other trade line on my credit reports, because this account does not have automatic bill pay and every time Ive used my main XXXX  account, it does not allow me to use it. I did not have the energy, the focus and the ability to make a payment due to being affected by XXXX and I feel like its more important for everyone to be aware that a SECURED CREDIT CARD THAT ISNT EVEN A REAL CREDIT CARD BECAUSE THEY USE THE CONSUMERS MONEY AGAINST THE CONSUMER FOR CREDIT REPORTING SERVICES TO BUILD A CONSUMERS CREDIT REPORT IS DISCRIMINATORY TOWARDS THOSE IMPACTED BY THE XXXXXXXX XXXX \n\nThis is irresponsible, against federal laws enacted by both the legislature and executive branches of the United States, is a virus recognized by the : XXXX ( XXXX XXXX )XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXXXXXX XXXX XXXXXXXX ), US Federal Reserve, USA ( United States of America ), XXXX XXXX XXXX XXXX ) and pretty much every nation, agency, consumer providing company, corporation, lender, financial institution across the world. \n\nI demand an immediate reversal of this trend and behavior with XXXXXXXX XXXX XXXX XXXX on all three major credit reporting agencies : XXXX XXXX Equifax And other agencies : 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 XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX  XXXX Preferred not only in regards to my specific account, but with anyones complaints in regards to those impacted by XXXX who were unable to make financial obligations while impacted by THE DEADLY virus which takes more precedence for life and health, before a payment made to a secured credit card payment where they use the consumers money against the consumers credit report. \n\nThey are violating the CARES Act and should be investigated and reasonably penalized by the Federal Government for making such adjustments not possible under Federal Law.","date_sent_to_company":"2022-09-27T20:30:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80134","tags":null,"has_narrative":true,"complaint_id":"6024671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-27T20:30:07.000Z","state":"CO","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Under the CARES Act, in <em>certain</em> situations, lenders are required to report your accounts as current. \n\nYou can reach out to your lender or creditor and find out what options or <em>programs</em> are available."]},"sort":[11.797558,"6024671"]},{"_index":"complaint-public-v1","_id":"6024662","_score":11.797558,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Compliant about : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Mail Inquiries To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Customer Service XXXX XXXX Late payment for the month of XX/XX/2022. \n\nI have made several complaints to XXXXXXXX XXXX XXXXXXXX in regards to my ONE AND ONLY late payment which was reflected on the month of XX/XX/2022. When I first contacted XXXX Bank in regards to this late payment, I was told that the late payment would no longer be reflected on my 3 credit reports any longer. Months have passed, and no changes had been made. So recently a couple days ago on XX/XX/2022 at XXXX, with a conversation lasting 25 minutes from the beginning of the phone call ( as stated on XXXX ). I was told that according to consumer reporting policies, they would not be able to dispute and remove the late payment at all, and under any circumstances. I mentioned the fact that I have disputed with other more REPUTABLE consumer financial services in the past that hold much more leverage in the financial markets for consumer credit and those more reputable financial institutions have indeed been able to remove past late payments due to the exact same reason I am disputing this late payment. \n\nIn XX/XX/2022, I was late on my XXXX payment solely due to the fact that I was infected with XXXX ( XXXX  XXXX ) which is considered a part of a natural disaster under the CARES Act, approved by Congress, Senate and the President of the United States. \n\nAs stated on the Consumer Financial Protection Bureau website : The XXXX Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that may apply to your situation.\n\nAs with other natural disasters and emergencies, your creditors or lenders may be willingand in some case are requiredto provide forbearance, loan extensions, a reduction in interest rates, and/or other flexibilities for repayment. Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Under the CARES Act, in certain situations, lenders are required to report your accounts as current.\n\nYou can reach out to your lender or creditor and find out what options or programs are available. These programs are sometimes called \" hardship '' or \" relief programs. '' These programs may allow you to enter into an agreement to : Defer or pause one or more payments Make a partial payment Forbear ( temporarily stop paying ) any delinquent amounts Modify a loan or contract Receive a suspension for federal student loan payments Other assistance or relief The CARES Act calls these agreements accommodations. \n\nI feel as if XXXXXXXX XXXX XXXXXXXX is not only avoiding my complaint as negligent, but also as discriminatory towards the fact that this is a well known global epidemic that is still continuing to this very day. This is the ONLY LATE PAYMENT Ive had with this trade line or any other trade line on my credit reports, because this account does not have automatic bill pay and every time Ive used my main XXXX  account, it does not allow me to use it. I did not have the energy, the focus and the ability to make a payment due to being affected by XXXX and I feel like its more important for everyone to be aware that a SECURED CREDIT CARD THAT ISNT EVEN A REAL CREDIT CARD BECAUSE THEY USE THE CONSUMERS MONEY AGAINST THE CONSUMER FOR CREDIT REPORTING SERVICES TO BUILD A CONSUMERS CREDIT REPORT IS DISCRIMINATORY TOWARDS THOSE IMPACTED BY THE XXXXXXXX XXXX \n\nThis is irresponsible, against federal laws enacted by both the legislature and XXXX branches of the United States, is a virus recognized by the : XXXX ( XXXX XXXX ), WHO XXXX XXXX XXXX XXXX ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX Bank XXXX ), US Federal Reserve, USA ( United States of America ), XXXX XXXX XXXX XXXX ) and pretty much every nation, agency, consumer providing company, corporation, lender, financial institution across the world. \n\nI demand an immediate reversal of this trend and behavior with XXXX XXXX XXXX XXXX on all three major credit reporting agencies : Experian XXXX XXXX And other agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX VIP Preferred not only in regards to my specific account, but with anyones complaints in regards to those impacted by COVID-19 who were unable to make financial obligations while impacted by THE DEADLY virus which takes more precedence for life and health, before a payment made to a secured credit card payment where they use the consumers money against the consumers credit report. \n\nThey are violating the CARES Act and should be investigated and reasonably penalized by the Federal Government for making such adjustments not possible under Federal Law.","date_sent_to_company":"2022-09-27T20:30:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80134","tags":null,"has_narrative":true,"complaint_id":"6024662","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-27T20:30:07.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Under the CARES Act, in <em>certain</em> situations, lenders are required to report your accounts as current.\n\nYou can reach out to your lender or creditor and find out what options or <em>programs</em> are available."]},"sort":[11.797558,"6024662"]},{"_index":"complaint-public-v1","_id":"2707358","_score":10.940315,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The only reason I applied for the XXXX XXXX XXXX XXXX was to receive XXXX XXXX miles as the sign up bonus. Chase is denying the XXXX XXXX bonus and has not provided any sort of explanation other than we gave you the {$100.00} statement credit. I believe the offer was a {$100.00} statement credit and XXXX miles. This is a total bait and switch. I am going taking my family to XXXX in XX/XX/XXXX and wanted to \" pay '' for at least one ticket via XXXX miles. \n\nAt the end of XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX XXXX. I applied for the card for the purpose of earning a XXXX rewards bonus of XXXX miles. I applied for the XXXX XXXX XXXX from the XXXX website directly from my personal XXXX Mileage Plus account. The advertisement that I clicked on to apply for the card was touting the XXXX XXXX miles as a reward for applying to the card. I have met all spending requirements to earn the XXXX miles. \n\nChase is claiming that I selected the {$100.00} statement credit in lieu of the XXXX XXXX miles. This is not an equitable reward as the XXXX XXXX miles is valued at {$750.00}. Bait and switch. The signup process was totally misleading. As I applied directly from the XXXX website with a XXXX XXXX signup bonus, my only intent was to receive the XXXX XXXX miles. \n\nLow and behold there is still a Chase XXXX XXXX XXXX offer on the table for the same offer that I had accepted back in XX/XX/XXXX!!!!! Please tell me where it says there is a {$100.00} statement credit option vs. receiving the XXXX XXXX miles??? Bait and switch. This is the identical offer that I applied to when applying for my XXXX XXXX to in XX/XX/XXXX except the offer in XX/XX/XXXX included XXXX more XXXX miles for signing up an authorized user and requesting a second card. Why on earth would I select a {$100.00} statement credit option when I applied for the card based on this add? See below for the existing offer in play today : Note : I was not a current Chase cardholder nor have I received a new bonus offer for this credit card within the last 24 months. I have more than surpassed the {$3000.00} purchase spend total within the first 3 months of account opening. My account is not in default. I added an additional XXXX XXXX XXXX This product is not available to either ( i ) current Cardmembers of this credit card, or ( ii ) previous Cardmembers of this credit card who received a new XXXX bonus for this credit card within the last 24 months. With this bonus offer, you will qualify and receive XXXX bonus miles after you make Purchases totaling {$3000.00} or more during the first 3 months from account opening. ( \" Purchases '' do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. ) After qualifying, please allow 6 to 8 weeks for bonus miles to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Bonus miles do not count towards XXXX status. If your account is not open for at least six months, XXXX and Chase reserve the right to deduct the bonus miles from your XXXX XXXX account. XXXX XXXX XXXX XXXX XXXX membership is subject to XXXX XXXX terms & conditions, united.com/UnitedClubRules, and access policies, united.com/UnitedClubAccess, each of which is subject to change, with or without notice. Please allow 2 weeks after account open date for the XXXX XXXX membership to activate ( excludes XXXX XXXX and XXXX XXXX  ). The XXXX XXXX membership card will be sent to the primary XXXX 6 weeks after the account open date. Authorized users will not receive their own XXXX XXXX membership and are only eligible for XXXX XXXX access if they are traveling with the primary XXXX. The XXXX 's XXXX XXXX membership will be renewed automatically on each credit card anniversary date, provided that the account is open and not in default. XXXX XXXX XXXX members are eligible to receive a pro-rated refund for any unused portion of their current membership if the refund is greater than {$15.00}. Please allow 6 to 10 weeks to receive refund checks. XXXX XXXX XXXX members are excluded from receiving a reimbursement. Chase is not responsible for the fulfillment of the XXXX XXXX membership. XXXX Access The primary Cardmember and companions traveling on the same reservation are eligible for XXXX Access ; authorized users are only eligible if they are on the same reservation as the primary XXXX. Benefits include the following travel services where available : designated check-in lines, priority security lanes, priority boarding, and priority baggage handling. To receive XXXX Access, the primary XXXX must include their XXXX number in their reservation. XXXX Access is only available on XXXX and XXXX XXXX flights ; codeshare partner-operated flights are not eligible. XXXX is not responsible for the provision of, or failure to provide, XXXX Access. Please allow 2 weeks after account opening for XXXX Access to be available on your XXXX reservation. Please visit united.com/premieraccess for details. Free Checked Bags The primary XXXX and XXXX traveling companion on the same reservation are each eligible to receive their first and second standard checked bags free ; authorized users are only eligible if they are on the same reservation as the primary XXXX. To receive first and second standard checked bags free, the primary XXXX must include their XXXX number in their reservation and use their XXXX XXXX XXXX to purchase their ticket ( s ). First and second standard checked bags free is only available on XXXX and XXXX XXXX flights ; codeshare partner-operated flights are not eligible. Service charges for oversized, overweight and extra baggage may apply. Cardmembers who are already exempt from other checked baggage service charges will not receive additional free standard checked bags. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Please allow 2 weeks after account opening for your first and second free standard checked bags to be available on your XXXX reservation. Please visit XXXX for details. XXXX XXXX  XXXX XXXX Membership The primary Cardmember is eligible for XXXX status in the XXXX XXXX  XXXX program and will need to register for this benefit at XXXX. Please allow 4 weeks for the registration request to be processed by XXXX. To receive XXXX benefits, the primary XXXX must provide their XXXX XXXX XXXX membership number at time of reservation or at time of check-in. All benefits are subject to complete XXXX of XXXX Terms and Conditions, available at XXXX. Chase Bank XXXX, XXXX, is not responsible for the provision of, or the failure to provide, the stated benefits and services. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The primary Cardmember is eligible to enroll in XXXX XXXX XXXX XXXX XXXX XXXX XXXX by visiting XXXX. Please allow 3-7 business days after enrolling in XXXX XXXX XXXX Rewards XXXX 's XXXX for your membership to process. In order to receive XXXX XXXX XXXX XXXX XXXX XXXX XXXX benefits, the primary Cardmember must include their XXXX XXXX XXXX XXXX  number in their XXXX reservation. In order to receive the XXXX points benefits, the primary Cardmember must opt in, under the \" Member Details '' section of their XXXX profile, to earn XXXX XXXX XXXX XXXX points. Offer made by XXXX. All XXXX XXXX and Rental Terms and Conditions apply, including the right to change, limit or modify the President 's Circle Program or portions of the program at any time. Please visit united.com/HertzChaseBenefit for details. Chase Bank XXXX, XXXX, is not responsible for the provision of, or the failure to provide, the stated benefits and services. Room Upgrades and Special Amenities XXXX   XXXX XXXX & XXXX Collection ( XXXX  ) program benefits and XXXX XXXX are available exclusively on select Chase credit cards. To receive the XXXX XXXX, reservations must be made through an XXXX XXXX XXXX or on XXXX. Websites and other information provided by XXXX and/or participating hotels are not within Chase 's control and may or may not be available in XXXX. All exclusive amenities and XXXX XXXX are provided per room and are based on double occupancy. Some amenities may only apply to select rates, may be subject to availability at check-in, and are not redeemable for cash. Amenities may not be combined with other offers, including tour operator or wholesaler rates and packages. Complimentary Wi-Fi provided, with the exception of XXXX and XXXX XXXX where Wi-Fi is not available. Program benefits, participating properties, and Guest Privileges are valid through the current calendar year, but XXXX become unavailable due to circumstances outside of Chase 's control. All efforts have been made to ensure the accuracy of the information contained. We reserve the right to correct any mistakes. Certain blackout dates and other restrictions may apply. This program is brought to you by Chase through an agreement with XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Chase voted by the readers of XXXX XXXX XXXX their XXXX XXXX XXXX Survey \" Best Credit Card. '' Source : XXXX XXXX, XXXX. Earning Miles Rewards Program Agreement : For more information about the XXXX XXXX XXXX card rewards program, view the latest Rewards Program Agreement. We will mail your Rewards XXXX XXXX once your account is established. If you become a Chase XXXX customer, your Rewards XXXX XXXX will also be available after logging in to chase.com. How  you can earn miles : You 'll earn miles when you, or an authorized user, use a XXXX XXXX credit card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase ; however, the following types of transactions wo n't count and wo n't earn miles : balance transfers, cash advances, and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1.5 miles : You 'll earn 1.5 miles for each {$1.00} spent. 2 miles :  You 'll earn 2 miles total for each {$1.00} spent on airline tickets purchased directly from XXXX ( .5 additional miles on top of the 1.5 miles per {$1.00} earned on each purchase ). Information about earning/transferring miles to XXXX : Miles earned during a billing cycle will be automatically transferred to XXXX after the end of each billing cycle. Miles expiration : The miles transferred to your XXXX account will not expire as long as your card account is open. If your card account is closed, the miles in your XXXX account will expire according to the XXXX program rules. Losing miles : You 'll immediately lose all miles that have n't been transferred to XXXX if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards XXXX XXXX. Accepted In More Locations XXXX rates based on global, not domestic, data. Source : The XXXX XXXX XXXX XXXX, XX/XX/XXXX. XXXX Do n't Expire Your miles will not expire as long as there is activity on your credit card account, including paying your annual membership fee, and the credit card account is open and not in default. Upon cancellation of your credit card account your miles will expire according to the XXXX program rules. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Awards are currently redeemable at XXXX miles for travel within the XXXX XXXX Award pricing is subject to change without notice. Passenger is responsible for all taxes, fees, baggage fees and surcharges applicable to award travel, including, with respect to government-imposed taxes and fees, passenger facility charges ( PFCs ) of up to {$18.00} per round trip ; XX/XX/XXXX Security Fee of {$5.00} per one-way trip that does not include a government-defined stopover for awards for air transportation originating at an airport in the U.S. ; and U.S. segment tax of {$4.00} for each segment ( take-off and landing ) as of XX/XX/XXXX. Such taxes, fees and surcharges must be paid at the time of ticketing and are subject to change. Any valid unused award ticket may be returned to the XXXX XXXX XXXX, for a service charge, up to one year from the date of issue. Award seats are subject to availability and capacity-control restrictions apply. For more information on MileagePlus award travel, visit united.com/awards. Close-In Fee Waiver The primary Cardmember will receive a close-in booking fee waiver on award tickets booked less than 21 days before departure, including award tickets booked by the primary Cardmember for an authorized user ( s ), under the primary XXXX XXXX XXXX   number. To receive a close-in booking fee waiver, be sure to provide the primary XXXX 's XXXX number before you start the award booking process. Award booking under an authorized user 's XXXX number will not receive this benefit. Close-in booking fee waiver is only available on XXXX and XXXX XXXX flights ; codeshare partner-operated flights are not eligible. XXXX is not responsible for the provision of, or failure to provide, close-in booking fee waivers. For more information on award travel, please visit XXXX. XXXX XXXX XXXX The primary Cardmember who has XXXX XXXX status and is traveling on an award ticket is eligible for Complimentary Premier Upgrades on select United-operated flights, subject to availability ; travel companions and authorized users are not eligible. Assignment of XXXX XXXX Upgrades on award tickets within each XXXX level will be prioritized after the lowest paid fare class. Chase is not  responsible for the provision of, or failure to provide, the stated benefits. Please visit united.com/upgrades for details on eligible flights and upgrade processing. XXXX XXXX Cardmembers are responsible for the cost of any goods or services purchased through the XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX whose requests for this offer are not approved will not be enrolled in XXXX  through this request, although existing XXXX   members will remain enrolled in XXXX. Authorized users will not be enrolled in XXXX as a result of this request. XXXX miles awarded through the use of the authorized user 's card will only be credited to the primary XXXX 's account. If a Cardmember 's membership in XXXX 's XXXX XXXX is terminated in accordance with the terms and conditions of that Program, the Cardmember will no longer be eligible to earn any XXXX miles for purchases using the XXXX XXXX Card. XXXX 's sole obligation concerning the award and redemption of miles shall be to make a valid request to XXXX to award miles to the XXXX 's associated MileagePlus account. Chase disclaims liability or responsibility for XXXX 's failure to award or redeem miles to the XXXX 's associated MileagePlus account after Chase has met its obligations to XXXX in connection with such a request. Benefits are available as long as XXXX 's XXXX XXXX Credit Card account is open and not in default. Upon closure of the XXXX 's XXXX XXXX Credit Card account, all benefits will be canceled. MileagePlus Program Terms And Conditions Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of the XXXX XXXX program, including without limitation the Premier program ( the \" MileagePlus Program '' ), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to your account. XXXX XXXX change the XXXX XXXX including, but not limited to, rules, regulations, travel awards and special offers or terminate the XXXX XXXX at any time and without notice. XXXX and its subsidiaries, affiliates and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles earned through non-flight activity do not count toward qualification for XXXX status unless expressly stated otherwise. The accumulation of mileage or XXXX status or any other status does not entitle members to any vested rights with respect to the XXXX XXXX. All calculations made in connection with the XXXX XXXX, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for XXXX status, will be made by XXXX XXXX and XXXX in their discretion and such calculations will be considered final. Information in this communication that relates to the XXXX XXXX does not purport to be complete or comprehensive and XXXX not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the united.com website and the XXXX XXXX rules. XXXX and XXXX are registered service marks. For complete details about the XXXX XXXX, go to XXXX. \n\nAccounts subject to credit approval. Restrictions and limitations apply. XXXX XXXX credit cards are issued by Chase Bank XXXX, XXXX. Offer subject to change. \nThis is a link to a third-party site as described in our XXXX Practices. Note that the third party 's privacy policy and security practices may differ from Chase 's standards. Chase assumes no responsibility for nor does it control, endorse or guarantee any aspect of your use of the linked site. \n\n\nXXXX XXXX XXXX Offer! \n\nGet XXXX Bonus Miles after you spend {$3000.00} on purchases in the first 3 months your account is open* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apply Now *Offer Details | Pricing and Terms {$450.00} Annual Fee XXXX XXXX XXXX. Yours with XXXX. \n\n\n\n\n\n\nXXXX XXXX XXXX XXXX XXXX membership Up to a {$550.00} value per year. Before you fly, you, as the primary XXXX, and your eligible travel companions, will enjoy access to all XXXX XXXX locations and participating XXXX XXXX affiliated lounges worldwide. \n\nXXXX Access travel services Receive preferential treatment to ease your way through the airport with priority check-in, security screening ( where available ), boarding and baggage handling privileges. \n\nFree first and second checked bags A savings of up to {$240.00} per roundtrip. The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free ( {$25.00} value for the first checked bag and {$35.00} value for the second checked bag, each way, per person ) on United-operated flights when the primary Cardmember includes their XXXX XXXX number in their reservation and purchases their tickets from XXXX with their Card. For complete details, please visit united.com/chasebag. \n\nNo foreign transactions fees Purchases made with your XXXX XXXX outside the XXXX will not be subject to foreign transaction fees. \n\n\nXXXX XXXX XXXX & XXXX Collection This exceptional group of over XXXX properties includes many of the world 's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember Benefits with every stay. Make a reservation through the program using your Chase Card to receive the following benefits including : Daily breakfast for two A special benefit unique to each property, such as a dining or spa credit Complimentary Wi-Fi A room upgrade, if available Early check-in and late checkout, if available Please visit XXXX for more information. \n\nXXXX XXXX  XXXX : XXXX  Status As the primary Cardmember, you are eligible for Discoverist membership in the XXXX XXXX  XXXX XXXX loyalty program. To enjoy this benefit, you will need to register at united.com/HyattChaseBenefit. \n\nXXXX XXXX 's Circle Elite Status The primary Cardmember is invited to join XXXX XXXX 's Circle and enjoy a 25 % bonus on XXXX Gold Plus Rewards Points, upgrades, exclusive offers and more. To enroll, please visit XXXX \n\nChase 's customer service was not helpful at all. They are great at trying to get me to drop the issue and go away. By telling my that they escalated the situation and that the decision is final without providing any sort of proof or adequate explanation. Chase clearly misses the entire point. Chase is duping their customers with their false advertising and online credit card application bait and switch tactics when applying for a credit card. See communication below : Date : XX/XX/XXXXXXXX From : Chase XXXX XXXX Subject : XXXX : Rewards Inquiry Message : Hello XXXX, Thank you for contacting Chase regarding your XXXX XXXX XXXX account. Please note that your e-mail has been forwarded to the highest level of escalation available within our XXXX XXXX XXXX. \n\nI understand and respect your position regarding this issue ; however, as stated in our previous e-mail correspondence dated XX/XX/XXXX, we remain unable to further assist you with this request. I have included a copy of our past e-mail should you have any questions regarding the resolution provided. \n\nI sincerely regret any inconvenience this situation may have caused. We will continue to keep any and all pertinent information you send us regarding this, on file for your account. Unfortunately, no further actions can be taken at this time. \n\nWe appreciate your business and thank you for being a Chase customer. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX ext XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- CIGPROFILEID XXXX XXXX. \n\nThis is a total bait and switch tactic. I subscribed to the card from the XXXX XXXX. Why would I not want the XXXX XXXX XXXX. I am contacting my attorney and filing a complaint with the CFPB. This is ridiculous. Please pass on my intentions to senior management as this issue is not considered closed on my end. XXXX, XXXX -- -- XXXX XXXX -- -- - Hello XXXX XXXX We 're happy to provide you with additional information. \n\nThe offer accepted was online with the complete terms of the New Account Bonus Offer when the application was submitted. The rewards terms require a review, acknowledgement, and agreement in order the application to be processed. \n\nUnfortunately a change can not be made. We ask that you trust that this decision is the same for all cardmembers. \nWe feel that adhering to the same policy for all cardmembers is the best way to remain fair and consistent. \n\n\nPlease contact us anytime with questions or concerns. We are here to help and are committed to providing you excellent service. \n\nThank you for choosing Chase. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2017-10-20T14:50:59.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"80108","tags":null,"has_narrative":true,"complaint_id":"2707358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-10-20T14:04:23.000Z","state":"CO","company_public_response":null,"sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["MileagePlus <em>Program</em> Terms And Conditions Miles accrued, awards, and benefits issued are subject to <em>change</em> and are subject to the rules of the XXXX XXXX <em>program</em>, including without limitation the Premier <em>program</em> ( the \" MileagePlus <em>Program</em> '' ), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to your account."]},"sort":[10.940315,"2707358"]},{"_index":"complaint-public-v1","_id":"7586923","_score":10.819507,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. \n\nXXXX XXXX XXXX, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general way of life, and my ability to obtain credit for personal and housing purposes. \n\nYou and your inaccurate reporting have damaged my livelihood. \n\n15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \nDuty : A moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact. \nPROHIBITION : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. \n\nThe IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account inaccurate! \n\nBy definition, the IRS clearly states that a Canceled or Charged-off debt is Income. Reporting this account as a debt is inaccurate. \n\n15 USC 1681s-2 states that you, XXXX XXXX XXXX , are a furnisher of information to a consumer reporting agency. \n\nYOU ARE PROHIBITED BY LAW from furnishing inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately. \n\n15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n\nYou are hereby put on NOTICE that you are furnishing incorrect, inaccurate information. \n\nThe lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1.\n\nThe above paragraph is taken directly from the IRS publication.\n\nSEND MY FORM 1099-C that you should have sent when you FILED the account as a canceled debt. \n\nMy Address is listed below! \n\n15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. \nIn conclusion, I have shown you, and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. \n\nThe continued reporting of this inaccurate information is a clear violation of the Law, 15 USC 1681s-2, of your responsibilities as a furnisher of information. \n\nYou have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. \n\nYOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! \n\nI am writing to dispute and seek clarification regarding the sharing of my non-public personal information by your institution, as well as any potential impact on my credit report. I am concerned that these actions may be in violation of both the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). \n\nSpecifically, I have identified two key areas of concern : 1. **GLBA Privacy Notice and Opt-Out** : According to the GLBA, financial institutions are required to provide consumers with an initial privacy notice and an annual privacy notice outlining their information-sharing practices. Furthermore, consumers have the right to opt out of having their non-public personal information shared with non-affiliated third parties for marketing purposes. To date, I have not received any such notices from your institution, nor have I been given the opportunity to opt out of information sharing. \n\nTherefore, I request that you provide me with copies of all privacy notices that should have been sent to me in accordance with the GLBA. Additionally, I would like to be informed if my non-public personal information has been shared with any non-affiliated third parties for marketing purposes, and if so, I am exercising my right to opt out of such sharing. \n\n2. **FCRA Credit Reporting Impact** : As a result of any information sharing or other actions taken by your institution, I am concerned that my credit report may have been affected. Under the FCRA, consumers have the right to accurate and complete credit reporting. I request that you provide me with any information related to changes in my credit report resulting from your institution 's actions. \n\nAdditionally, I kindly request that you conduct a thorough investigation into any credit reporting issues that may have arisen due to information sharing or any other actions by your institution. If it is determined that my credit report has been negatively affected without proper cause or notification, I request that you take immediate corrective action and provide me with documentation of any corrections made to my credit report. \n\nI want to emphasize my commitment to ensuring that my rights under both the GLBA and the FCRA are fully protected. I kindly request that your institution promptly investigate these matters and provide me with the necessary documentation and information to address my concerns. \n\nPlease respond to this dispute letter within the statutory timeframes specified by both the GLBA and the FCRA. I understand that this investigation may take up to 30 days, and I expect your prompt attention to this matter. \n\nThank you for your cooperation in resolving this issue promptly. Send written correspondence to address provided above. This is my opt out and cease and desist of all sharing of my personal information. You dont have consent to share my personal information if you do its identity theft. Delete all inaccurate and wrongful shared information asap. \nThe Gramm-Leach-Bliley Act ( GLBA ), also known as the Financial Services Modernization Act of 1999, is a comprehensive U.S. federal law that governs the protection of consumer financial information held by financial institutions. The GLBA was enacted to promote the privacy and security of individuals ' personal financial data and to establish a framework for the financial industry to handle this information responsibly. Here are the key details and components of the GLBA : Scope of GLBA : The GLBA applies to various types of financial institutions, including banks, credit unions, securities firms, insurance companies, and certain other financial service providers. \nIt covers both individual consumers and small business customers. \nPrivacy Provisions : The GLBA establishes strict requirements for how financial institutions collect, use, and disclose personal financial information. It requires institutions to provide clear and concise privacy notices to consumers explaining their information-sharing practices. \nConsumers have the right to opt out of having their non-public personal information shared with non-affiliated third parties. \nSafeguarding Requirements : The GLBA mandates that financial institutions implement comprehensive information security programs to protect the confidentiality and integrity of customer data. These programs must be tailored to the institution 's size and complexity. \nFinancial institutions must appoint an employee or employees to coordinate and oversee the information security program. \nThey are required to assess and identify risks to customer information, implement safeguards against these risks, regularly monitor and test the effectiveness of these safeguards, and update them as needed. \nPretexting Protections : The GLBA addresses pretexting, which is the practice of using false pretenses to obtain individuals ' personal financial information. It makes pretexting illegal and imposes penalties on those who engage in this deceptive practice. \nPenalties and Enforcement : Violations of the GLBA 's privacy and security provisions can result in civil penalties and enforcement actions by regulatory authorities, such as the Federal Trade Commission ( FTC ). \nIndividuals and entities that suffer harm due to GLBA violations may also have the right to take legal action against the financial institution. \nExceptions : The GLBA includes certain exceptions, such as exceptions for the sharing of information with affiliates or for specific transactional purposes. \nRegulatory Oversight : The GLBA gives regulatory agencies, such as the FTC and federal banking agencies, the authority to enforce its provisions and to examine and supervise financial institutions for compliance. \nAnnual Privacy Notices : Financial institutions are required to provide annual privacy notices to customers explaining their privacy policies and practices. However, certain exceptions exist for institutions that do not share customer information with non-affiliated third parties. \nConsumer Rights : Consumers have the right to access their own personal financial information held by financial institutions and request corrections if they find inaccuracies. \nThey also have the right to opt out of certain information-sharing practices. \nOverall, the GLBA is designed to strike a balance between protecting consumers ' financial privacy and allowing financial institutions to provide necessary financial services. It places significant responsibilities on financial institutions to ensure the security and confidentiality of customer information while promoting transparency and consumer choice regarding the sharing of their data. \nUnder the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to provide consumers with three key documents before sharing their non-public personal information with non-affiliated third parties. These documents are : Privacy Notice : Financial institutions must provide consumers with an initial privacy notice when they establish a customer relationship and then annually thereafter. This notice explains the institution 's privacy policies and practices, including : What types of non-public personal information the institution collects about the consumer. \nHow the institution uses and shares this information. \nThe consumer 's right to opt out of certain information-sharing practices. \nThe institution 's safeguards to protect the confidentiality and security of the information. \nHow the institution treats former customers ' information. \nHow the consumer can access and correct their personal information. \nImportantly, the privacy notice also informs consumers about their right to opt out of having their information shared with non-affiliated third parties for marketing purposes. \nOpt-Out Notice : If a financial institution intends to share a consumer 's non-public personal information with non-affiliated third parties for marketing purposes, it must provide an opt-out notice. This notice informs the consumer of their right to opt out of such information sharing. If the consumer chooses to opt out, the institution can not share their information for marketing purposes unless the consumer subsequently opts back in. \nAnnual Privacy Notice : Financial institutions must provide consumers with an annual privacy notice, even if there have been no changes to the institution 's privacy policies or practices. This notice serves as a reminder to consumers of the institution 's privacy policies and provides them with the opportunity to review and, if necessary, exercise their right to opt out of information sharing. \nThese documents are designed to inform consumers about how their personal financial information is handled by financial institutions and to give them control over whether their information is shared with non-affiliated third parties for marketing purposes. Financial institutions must ensure that these notices are clear, concise, and easily accessible to consumers. \n\nThis is already been deleted from my XXXX  for numerous errors, please follow and delete asap this is breaking consumer laws.","date_sent_to_company":"2023-09-21T19:01:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33161","tags":null,"has_narrative":true,"complaint_id":"7586923","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-21T18:52:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Safeguarding Requirements : The GLBA mandates that financial institutions implement comprehensive information <em>security</em> <em>programs</em> to protect the confidentiality and integrity of customer data. These <em>programs</em> must be tailored to the institution 's size and complexity. \nFinancial institutions must appoint an employee or employees to coordinate and oversee the information <em>security</em> <em>program</em>."]},"sort":[10.819507,"7586923"]},{"_index":"complaint-public-v1","_id":"5916248","_score":10.812058,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear Sir/Madam of the Consumer Financial Protection Bureau XXXX XXXX XX/XX/XXXX, I fell victim to a multilayered operation orchestrated by XXXX XXXX XXXX and a scammer called XXXX XXXX XXXX the Company ) and lost XXXX USD of my hard-earned funds. I advised Bank of the West of this fact on XX/XX/XXXX and I havent received any satisfactory response so far. Their sophisticated, manipulative, aggressive emotionally/psychologically driven sales tactics specifically tuned in to my personal circumstances was a deliberate and vicious financial crime on me as a vulnerable and unsuspecting individual. I also understand now that there is a multimillion-pound  industry out there with such Company operating to effectively steal people 's money using these tactics. Bank of the West had a duty to exercise reasonable professionalism, care, pay due to regards to the interest of their customers and follow good industry practices ( GIP ) to keep customers accounts safe. This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at risk of financial harm. Since XX/XX/XXXX, I have been attempting to resolve this matter with Bank of the West, but they have failed to settle this matter satisfactorily. I have been dealing with Bank of the West in good faith and am deeply disappointed in how they have handled this matter thus far. \nfind it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates their principles, which call me to defend my rights. This is poorly thought out and vaguely defined nonsense. I doubt they care however since nonsense is what renders unscrupulous businesses financially successful. \nAccordingly, I respectfully insist that Bank of the West covers all overdrafts ( XXXX USD ) on the account. This is fair and reasonable given I was given no appropriate warning about the possibility of a scam. I have been a loyal customer of Bank of the West and have never had any difficulties of this kind before. \nFURTHER POINTS FOR CONSIDERATION Despite the regulatory and statutory requirements Bank of the West shall abide by as a licensed and regulated financial institution, instead of detecting patterns, drawing certain conclusions, and taking actions accordingly, Bank of the West may have insufficiently performed some hasty and haphazard review of the transaction ( s ) regarding the suspicious activities, but it seems that rather than being careful, methodical, and vigilant, they took no notice of what was happening. \nPlease be noted that I will not in any way quietly tolerate the consequences of Bank of the West actions ( or more precisely, the lack thereof ). It is perfectly obvious that they could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and could have entirely prevented this disastrous outcome. \nAs previously advised, they should have known, suspected, or had reason to suspect that the transactions ( or pattern of transactions ) : involve funds the ultimate purpose of which was to fuel an illegal enterprise ; is intended to disguise funds the ultimate purpose of which was to fuel an illegal enterprise, in an attempt to avoid and thus violate regulations ; is intentionally designed to defraud your customer ; serves no legitimate or lawful purpose ; and involve the use of your services to facilitate criminal activity. \nThere are so many other ways in which measures related to fraud prevention and mitigation could have been useful. Further factors that should have been taken into consideration include, but are not limited to, the following : The timing, volume, frequency, and nature of the transactions in question ; The abnormality of such transactions against the background of your experience with me as a customer and other entities associated with the transactions ( if any ) ; The suspicious nature of such transactions based on my overall risk profile including vulnerability and identification and research of high-risk services/products ; Systemic filtering mechanisms, whether manual or automatic, for the identification of unusual activities ; and Periodic evaluation of the usefulness, appropriateness and effectiveness of anti-fraud programs, and other associated policies and procedures. \nThere are some recommendations to organizations for protecting customers from financial harm that might occur as a result of fraud or financial abuse ; and gives guidance on how to recognize customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimize financial harm. \nThese recommendations are established as a general principle, the organization should deliver a service that : 1 ) Takes a proactive approach to minimizing risks, impact and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organizations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorized and unauthorized payments, thereby minimizing the risk of financial harm to customers. As regards to the detection of fraud and financial abuse, it says the organization : A ) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts : a. multiple cheque books; b. sudden increased spending ; c. transfers to other accounts ; d. multiple password attempts ; e. logins from new devices, multiple geographical locations ; f. sudden changes to the operation of the account ; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification. \ng. a withdrawal or payment for a large amount ; h. a payment or series of payments to a new payee ; i. financial activity that matches a known method of fraud or financial abuse. \nB ) organizations should have a process in place to ensure that staff make contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action. \nBank of the West could have done more at the time of the payment to warn me of the risks of scams Taking steps to educate their customers about scams Taking steps to identify higher risk payments and customers who have a higher risk of becoming a victim of scams Providing effective warnings to customers if the bank identifies a scam risk Taking extra steps to protect customers who might be vulnerable to scams Talking to customers about payments and even delaying or stopping payments where there are scam concerns Acting quickly when a scam is reported to it Taking steps to stop fraudsters from opening bank accounts Banks and other Payment Services Providers ( PSPs ) do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against money laundering. In broad terms, the starting position at law is that a firm is expected to process payments and withdrawals that a customer authorises it to make, in accordance with the Payment Services Regulations and the terms and conditions of the customers account.\n\nBut, where the consumer made the payment as a consequence of the actions of a fraudster, it may sometimes be fair and reasonable for the bank to reimburse the consumer even though they authorised the payment. \nBank of the West could have protected me from this ; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact had made me question what I was doing. The treatment from Bank of the West is compounded by trauma and anxiety and has left me in the awful situation I now find myself in. \nAlthough it was not Bank of the West that scammed me, they had many obligations to protect my Financial Interest- which they did not uphold if you take a quick look at the bank statements you will realise how the transactions were absolutely out of the usual pattern, there was suddenly increased spending, multiple transfers on a single day, payments for considerably large amounts, series of payments to a new payee and of course financial activity that matched a known method of fraud or financial abuse. \nAll of the above points were not considered by Bank of the West when I was victimised, and no actions were taken to prevent that victimisation. Of course, I appreciate that they might want to act in good faith and uphold my requests to transfer these payments but the code sets out that organisations should have a process in place, to ensure that ( i ) staff make contact with the customer to verify the financial activity, ( ii ) challenge its authenticity, ( iii ) explain the nature of the suspected or detected fraud and ( iv ) discuss an appropriate plan of action. \nAnti-Money Laundering Requirements for Financial Institutions and Other Designated Businesses 3.1 What financial institutions and other businesses are subject to anti-money laundering requirements? Describe which professional activities are subject to such requirements and the obligations of the financial institutions and other businesses. The following are subject to the requirement to maintain risk-based AML Programs XXXX Banks, including savings associations, trust companies, credit unions, branches and subsidiaries of foreign banks in the United States XXXX and Edge corporations. \nBroker-dealers in securities. \nMutual funds. \nFutures Commission Merchants and Introducing Brokers in Commodities.\n\nMoney Services Businesses 3.4 What are the requirements for recordkeeping or reporting large currency transactions? When must reports be filed and at what thresholds? \nCurrency Transaction Reporting Financial institutions ( defined as financial institutions under the BSA regulations ) must file CTRs with FinCEN on all transactions in ( physical ) currency in excess of {$10000.00} ( or the foreign equivalent ) conducted by, though, or to the financial institution, by or on behalf of the same person, on the same day. 31C.F.R. 1010.310315.\n\nIt is prohibited to structure transactions to cause a financial institution not to file a CTR or to file an inaccurate CTR by breaking down transactions into smaller amounts at one or more financial institutions over one or more days. 31 C.F.R. 1010.314. \nCustomer Due Diligence Pursuant to regulatory requirements, which became effective XX/XX/XXXX, as part of their AML Programs, certain financial institutions ( banks, broker-dealers, mutual funds, FCMs and IB-Cs ) must implement formal risk-based CDD programs that include certain minimum elements, including customer identification and verification ( under a Customer Identification Program ), obtaining information about the nature and purpose of a customers account, ongoing monitoring of customer accounts, obtaining beneficial ownership information at a 25 % threshold for legal entity customers and identifying a control person for legal entity customers ( with certain exceptions ). \nThere also is a specific BSA requirement to maintain CDD programs for non-U.S. persons private banking accounts and foreign correspondent accounts. The same covered financial institutions as for CDD programs ( banks, broker-dealers, mutual funds, FCMs and IB-Cs ) must maintain a CDD program for non-U.S. private banking accounts established on behalf of, or for the benefit of, a non-U.S. person and foreign correspondent customers and an enhanced due diligence ( EDD ) program for those relationships posing a higher risk. These programs must be designed to detect and report suspicious activity with certain minimum standards. These requirements are based on Section 312 of the PATRIOT Act and are often referred to as Section 312 requirements. 31 C.F.R. 1010.610 ( due diligence for foreign correspondent accounts ), 1010.620 ( due diligence for private banking for non-U.S. persons ). \n3.9 What is the criteria for reporting suspicious activity?\n\nFinancial institutions and other businesses subject to the AML Program requirement ( except Check Cashers, Operators of Credit Card Systems, and Dealers in Precious Metals, Precious Stones, or Jewels ) are required to file SARs with FinCEN under the BSA ( and for banks, under parallel requirements of their federal functional regulators ). SARs are required where the filer knows, suspects, or has reason to suspect a transaction conducted or attempted by, at or through the financial institution : involves money laundering ; is designed to evade any BSA regulation or requirement ; has no business or apparent lawful purpose or is not the sort in which a particular customer would engage ; or involves the use of the financial institution to facilitate criminal activity or involves any known or suspected violation of federal criminal law.\n\nSee, e.g., 31 C.F.R. 1023.320 ( c ) ( SAR requirements for broker-dealers ). Generally, the reporting threshold is {$5000.00} or more. For banks, if the suspect is unknown, it is {$25000.00} or more. For MSBs, generally, it is {$2000.00} or more.\n\nIn summary, I respectfully request Consumer Financial Protection Bureau to review my points above, given your influence and obligations to provide : The duty of care they owe me as my bank.\n\nThe position I hold as loyal customer and their own intellectual knowledge, which has been overlooked in this case ; to be applied in a professional manner being justified as part of their banking services to their customers.\n\nThey should have noticed it in my transaction history that I have not done any transaction nor released such a large amount of money in foreign currency since I became their customer.\n\nDesired outcome : Bank of the West has to put things into the right perspective for me by reversing the total amount of XXXX USD paid to scammers as I have suffered a great loss because of this fraud, it had affected me personally, emotionally and financially. \nYours sincerely, XXXX XXXX XXXX","date_sent_to_company":"2022-08-25T15:26:35.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"91304","tags":null,"has_narrative":true,"complaint_id":"5916248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF THE WEST","date_received":"2022-08-25T15:06:21.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Customer Due Diligence Pursuant to regulatory requirements, which became effective XX/XX/XXXX, as part of their AML <em>Programs</em>, <em>certain</em> financial institutions ( banks, broker-dealers, mutual funds, FCMs and IB-Cs ) must implement formal risk-based CDD <em>programs</em> that include <em>certain</em> minimum elements, including customer identification and verification ( under a Customer Identification <em>Program</em> ), obtaining information about the nature and purpose of a customers account, ongoing monitoring of customer accounts"]},"sort":[10.812058,"5916248"]},{"_index":"complaint-public-v1","_id":"7586333","_score":10.810788,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. \n\nXXXX XXXX XXXX, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general way of life, and my ability to obtain credit for personal and housing purposes. \n\nYou and your inaccurate reporting have damaged my livelihood. \n\n15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \nDuty : A moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact. \nPROHIBITION : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. \n\nThe IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account inaccurate! \n\nBy definition, the IRS clearly states that a Canceled or Charged-off debt is Income. Reporting this account as a debt is inaccurate. \n\n15 USC 1681s-2 states that you, XXXX XXXX XXXX , are a furnisher of information to a consumer reporting agency. \n\nYOU ARE PROHIBITED BY LAW from furnishing inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately. \n\n15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n\nYou are hereby put on NOTICE that you are furnishing incorrect, inaccurate information. \n\nThe lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1.\n\nThe above paragraph is taken directly from the IRS publication.\n\nSEND MY FORM 1099-C that you should have sent when you FILED the account as a canceled debt. \n\nMy Address is listed below! \n\n15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. \nIn conclusion, I have shown you, and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. \n\nThe continued reporting of this inaccurate information is a clear violation of the Law, 15 USC 1681s-2, of your responsibilities as a furnisher of information. \n\nYou have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. \n\nYOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! \n\nI am writing to dispute and seek clarification regarding the sharing of my non-public personal information by your institution, as well as any potential impact on my credit report. I am concerned that these actions may be in violation of both the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ).\n\nSpecifically, I have identified two key areas of concern : 1. **GLBA Privacy Notice and Opt-Out** : According to the GLBA, financial institutions are required to provide consumers with an initial privacy notice and an annual privacy notice outlining their information-sharing practices. Furthermore, consumers have the right to opt out of having their non-public personal information shared with non-affiliated third parties for marketing purposes. To date, I have not received any such notices from your institution, nor have I been given the opportunity to opt out of information sharing.\n\nTherefore, I request that you provide me with copies of all privacy notices that should have been sent to me in accordance with the GLBA. Additionally, I would like to be informed if my non-public personal information has been shared with any non-affiliated third parties for marketing purposes, and if so, I am exercising my right to opt out of such sharing.\n\n2. **FCRA Credit Reporting Impact** : As a result of any information sharing or other actions taken by your institution, I am concerned that my credit report may have been affected. Under the FCRA, consumers have the right to accurate and complete credit reporting. I request that you provide me with any information related to changes in my credit report resulting from your institution 's actions.\n\nAdditionally, I kindly request that you conduct a thorough investigation into any credit reporting issues that may have arisen due to information sharing or any other actions by your institution. If it is determined that my credit report has been negatively affected without proper cause or notification, I request that you take immediate corrective action and provide me with documentation of any corrections made to my credit report.\n\nI want to emphasize my commitment to ensuring that my rights under both the GLBA and the FCRA are fully protected. I kindly request that your institution promptly investigate these matters and provide me with the necessary documentation and information to address my concerns.\n\nPlease respond to this dispute letter within the statutory timeframes specified by both the GLBA and the FCRA. I understand that this investigation may take up to 30 days, and I expect your prompt attention to this matter.\n\nThank you for your cooperation in resolving this issue promptly. Send written correspondence to address provided above. This is my opt out and cease and desist of all sharing of my personal information. You dont have consent to share my personal information if you do its identity theft. Delete all inaccurate and wrongful shared information asap.\n\nThe Gramm-Leach-Bliley Act ( GLBA ), also known as the Financial Services Modernization Act of 1999, is a comprehensive U.S. federal law that governs the protection of consumer financial information held by financial institutions. The GLBA was enacted to promote the privacy and security of individuals ' personal financial data and to establish a framework for the financial industry to handle this information responsibly. Here are the key details and components of the GLBA : Scope of GLBA : The GLBA applies to various types of financial institutions, including banks, credit unions, securities firms, insurance companies, and certain other financial service providers.\n\nIt covers both individual consumers and small business customers.\n\nPrivacy Provisions : The GLBA establishes strict requirements for how financial institutions collect, use, and disclose personal financial information. It requires institutions to provide clear and concise privacy notices to consumers explaining their information-sharing practices.\n\nConsumers have the right to opt out of having their non-public personal information shared with non-affiliated third parties.\n\nSafeguarding Requirements : The GLBA mandates that financial institutions implement comprehensive information security programs to protect the confidentiality and integrity of customer data. These programs must be tailored to the institution 's size and complexity.\n\nFinancial institutions must appoint an employee or employees to coordinate and oversee the information security program.\n\nThey are required to assess and identify risks to customer information, implement safeguards against these risks, regularly monitor and test the effectiveness of these safeguards, and update them as needed.\n\nPretexting Protections : The GLBA addresses pretexting, which is the practice of using false pretenses to obtain individuals ' personal financial information. It makes pretexting illegal and imposes penalties on those who engage in this deceptive practice.\n\nPenalties and Enforcement : Violations of the GLBA 's privacy and security provisions can result in civil penalties and enforcement actions by regulatory authorities, such as the Federal Trade Commission ( FTC ).\n\nIndividuals and entities that suffer harm due to GLBA violations may also have the right to take legal action against the financial institution.\n\nExceptions : The GLBA includes certain exceptions, such as exceptions for the sharing of information with affiliates or for specific transactional purposes.\n\nRegulatory Oversight : The GLBA gives regulatory agencies, such as the FTC and federal banking agencies, the authority to enforce its provisions and to examine and supervise financial institutions for compliance.\n\nAnnual Privacy Notices : Financial institutions are required to provide annual privacy notices to customers explaining their privacy policies and practices. However, certain exceptions exist for institutions that do not share customer information with non-affiliated third parties.\n\nConsumer Rights : Consumers have the right to access their own personal financial information held by financial institutions and request corrections if they find inaccuracies.\n\nThey also have the right to opt out of certain information-sharing practices.\n\nOverall, the GLBA is designed to strike a balance between protecting consumers ' financial privacy and allowing financial institutions to provide necessary financial services. It places significant responsibilities on financial institutions to ensure the security and confidentiality of customer information while promoting transparency and consumer choice regarding the sharing of their data.\n\nUnder the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to provide consumers with three key documents before sharing their non-public personal information with non-affiliated third parties. These documents are : Privacy Notice : Financial institutions must provide consumers with an initial privacy notice when they establish a customer relationship and then annually thereafter. This notice explains the institution 's privacy policies and practices, including : What types of non-public personal information the institution collects about the consumer.\n\nHow the institution uses and shares this information.\n\nThe consumer 's right to opt out of certain information-sharing practices.\n\nThe institution 's safeguards to protect the confidentiality and security of the information.\n\nHow the institution treats former customers ' information.\n\nHow the consumer can access and correct their personal information.\n\nImportantly, the privacy notice also informs consumers about their right to opt out of having their information shared with non-affiliated third parties for marketing purposes.\n\nOpt-Out Notice : If a financial institution intends to share a consumer 's non-public personal information with non-affiliated third parties for marketing purposes, it must provide an opt-out notice. This notice informs the consumer of their right to opt out of such information sharing. If the consumer chooses to opt out, the institution can not share their information for marketing purposes unless the consumer subsequently opts back in.\n\nAnnual Privacy Notice : Financial institutions must provide consumers with an annual privacy notice, even if there have been no changes to the institution 's privacy policies or practices. This notice serves as a reminder to consumers of the institution 's privacy policies and provides them with the opportunity to review and, if necessary, exercise their right to opt out of information sharing.\n\nThese documents are designed to inform consumers about how their personal financial information is handled by financial institutions and to give them control over whether their information is shared with non-affiliated third parties for marketing purposes. Financial institutions must ensure that these notices are clear, concise, and easily accessible to consumers. \n\nThis is already been deleted from my XXXX  for numerous errors, please follow and delete asap this is breaking consumer laws.","date_sent_to_company":"2023-09-21T19:01:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33161","tags":null,"has_narrative":true,"complaint_id":"7586333","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-21T19:01:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Safeguarding Requirements : The GLBA mandates that financial institutions implement comprehensive information <em>security</em> <em>programs</em> to protect the confidentiality and integrity of customer data. These <em>programs</em> must be tailored to the institution 's size and complexity.\n\nFinancial institutions must appoint an employee or employees to coordinate and oversee the information <em>security</em> <em>program</em>."]},"sort":[10.810788,"7586333"]},{"_index":"complaint-public-v1","_id":"2938114","_score":10.692765,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Note : there's a TLDR version at the bottom CFPB has identified opportunities for credit card issuers to improve the transparency & fairness of their products. But did American Express pay attention? At least my case suggests it didn't, apart from coughing up the fines that CFPB imposed on it. \n\nHow far are credit card issuers allowed to go to hide key facts about their rewards programs, and then come up with the 'my-card-my-rules ' excuse when questioned regarding something not covered by the Terms & Conditions of the rewards program? Is there some sort of a line to be crossed? Or do credit card issuers have complete leeway over cheating their customers by including some text in their 'fine-print ' that gives them freedom from consumer-protection-regulation over their rewards programs? \n\n\nCFPB 's former Director, XXXX XXXX, remarked at the CARD Act field hearing in XX/XX/XXXX, \" we are concerned about the quality of disclosures that are made about rewards products. Many consumers are picking their credit cards based on rewards programs. These offers, however, can be highly complex, as consumers may face detailed and confusing rules about how they can actually use their rewards. We will be reviewing whether rewards disclosures are being made in a clear and transparent manner, and we will consider whether additional protections are needed ''.\n\nIn XX/XX/XXXX, he said, \" We are also concerned about certain aspects of rewards programs. According to our research, over half of all consumers say they select credit cards based on the rewards they provide. They are lured by the promise of airline miles, hotel visits, points toward purchases, and a variety of other attractive offers. But the specific terms of rewards programs are often not available to consumers until after they have already applied for the card. Even then, the terms of rewards tend to be obscured by glossy program guides, which provide only partial information. Once people are enrolled, they may face detailed and confusing rules about how they can  actually use their rewards. And if consumers were to find, read, and understand the terms, they would often discover that issuers retain the right to change those terms at any time and for any reason ''. \n\n\nAmerican Express ' rewards program, Membership Rewards, has temporarily revoked my ability to redeem Membership Rewards points. The reason provided to me was 'Your account is currently being reviewed to make sure that all qualifying purchases meet qualifying criteria '. It seems totally fine for a credit card issuer to hold off points redemption until it verifies a customer 's purchases, except that the date I last received some of those points was XX/XX/XXXX, and today 's XX/XX/XXXX, but I was told verifying transaction would take 6-10 weeks, and there's no way to expedite the process! \n\nNo reason was provided as to why this account-review action was triggered, and why it takes 6-10 weeks to verify a few transactions. \n\n\nAmerican Express has a dedicated Membership Rewards team. I talked to one of its supervisors on XX/XX/XXXX who told me that his team has no way to reach out to the 'clerical team ', which 'd actually verify my transactions, so this process can't be expedited. \n\nAn American Express Customer Care supervisor also said, on XX/XX/XXXX, that she had no way of expediting the process of verifying transactions. \n\n\nMy concern is that first American Express dupes prospective customers into signing up for Membership Rewards points, and then freezes their points without any explanation, just asking them to wait for 6-10 weeks! This wait-period of 6-10 weeks isn't mentioned in the Terms & Conditions, so it seems to be covered by the overarching 'If we in our sole discretion determine  that you have engaged in abuse, misuse or gaming in connection with earning or using points or that you may attempt to do so, we may temporarily suspend your ability to redeem points '. However all my transactions are legitimate. My complaint is not that American Express is not letting me use Membership Rewards points until it verifies my transactions, but that nowehere in the terms & conditions does American Express even vaguely mention that it can take 6-10 weeks to review the transactions of an account. The only fraud being committed here is by American Express! \n\n\nWhile the decision to revoke my ability to redeem MR points may seem discretionary on the part of American Express, I've attached my monthly statement, so that you may verify if even one of my transactions stands to be fraudulent. After those 6-10 weeks ( or given my pathetic experience with Amex, even more ), when American Express would find that all my transactions are legitimate, it would either let me resume redeeming my Membership Rewards points without offering as much as an apology ( as an aside, even their apologies are a euphemistic way of asking one to go XXXX oneself, so they mean nothing to me ), or it would continue to hold onto them, without any explanation. \n\n\nIt may seem ludicrous, but there's a remote possibility that American Express may have revoked my ability to use Membership Rewards points, as I had been complaining about it on XXXX, and have started using their cards as sparingly as I can, in protest of its execrable customer service. But retaliating against me for exercising my rights as a consumer by complaining to you & the FTC regarding deceptive privacy & data security claims may not sound as ridiculous ( I'll be registering this complaint & evidence later today, about which I had informed American Express on XXXX XXXX ). \n\n\nTLDR : 1. CFPB had advised credit card issuers to improve the transparency & fairness of their products, but American Express seems to be looking the other way.\n\n# NoTransparency # NoFairness 2. How long can the CFPB & the FTC allow credit card issuers to operate by the 'my-card-my-rules ' maxim without strong regulation to protect consumers?\n\n3. My card 's & Membership Rewards ' terms & conditions do not mention anything regarding a 6-10 week delay in verification of transactions, during which one can't redeem one 's Membership Rewards points. # NoTransparency 4. No reason was provided as to why a review was triggred to verify my account 's transactions, and I was explicitly told that there's no way to know the reason.\n\n# NoTransparency # NoFairness 5. I think that if Machine Learning algorithms underpin the account-review-triggering process, they may be biased ( XXXX XXXX XXXX ). The rationale behind triggering account-review isn't explained to customers, so this factor can't be ruled out. # NoFairness","date_sent_to_company":"2018-06-16T19:02:46.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"15217","tags":null,"has_narrative":true,"complaint_id":"2938114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2018-06-16T18:41:02.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["American Express ' rewards <em>program</em>, Membership Rewards, has temporarily revoked my ability to redeem Membership Rewards points. The reason provided to me was 'Your account is currently being reviewed to <em>make</em> sure that all qualifying purchases meet qualifying criteria '."]},"sort":[10.692765,"2938114"]},{"_index":"complaint-public-v1","_id":"2581985","_score":10.442034,"_source":{"product":"Mortgage","complaint_what_happened":"I bought my house on XX/XX/XXXX. I received earned income and XXXX for my daughter who has XXXX. Eventually, the beginning of XXXX, my daughter stopped receiving XXXX, due to the fact, social security determined that my daughter was no longer XXXX. I filed for a loan modification in XX/XX/XXXX ; because I was unable to pay my mortgage payments. I got approved for the loan modification in XX/XX/XXXX. I started making the new mortgage payment of XXXX starting XX/XX/XXXX. By XXXX, I had to pay XXXX. I felt that this shouldnt even been considered a loan modification or I shouldnt have been held accountable for this modification because I only got honored for that payment for a month. The payment I got approved for was reasonable and I could afford it. At the time, I didnt know if I was able to do anything about the change. I did call Wellsfargo about the situation ; the representative I spoke too said it was nothing I could do nor nothing Wellsfargo could do. I continued to make my payments but struggling to make the new mortgage payments.XX/XX/XXXX, my mortgage changed to XXXX ; I believe it was property taxes. In XX/XX/XXXX, my engine went out. My aunt wired me money to help get my engine fixed and to help me with a rental so I could get to and from work, get my children to and from daycare, appointments, and extracurricular activities that there isnt a bus line out by my house. In XX/XX/XXXX, my vehicle was fixed partially of what I could afford just to get me to and from where I need to go. I was also short for the rental and to come up with the remaining balance for the rental car. Also, in XX/XX/XXXX, the father of my oldest child had got XXXX and I was grieving about this situation and comforting my daughter not even knowing how to deal with such a tragic situation. I was out of work for about a week without pay. Therefore, I did the best that I could to make ends meet while I was out of work. I signed up to get some assistance through the government to help pay my mortgage for the month of XXXX. I got approved for {$300.00} and I had to pay the difference of the mortgage which would be {$450.00} before they would issue me the voucher. I did my part by showing proof that I made the payment of {$450.00} and received the voucher. The {$450.00} I mailed in went into unapplied funds until the remanding balance of the mortgage from the job and family service would make a full mortgage payment. I had to sign the voucher and mail it to Wellsfargo for them to sign their part and to return the voucher in a self-addressed envelope. I called Wellsfargo just to inform them that they would be receiving a voucher, that they need to sign it and return the voucher to receive the finds for my mortgage. A couple of weeks went by and the caseworker through Job and Family Services mailed me a letter stated that they would have to void they voucher if the voucher wasnt returned by certain time. Immediately, I called Wellsfargo to get information on the voucher. The representative said it didnt show that they had received the voucher. I informed the representative that I had mailed the voucher a couple of weeks prior to me contacting them. The representative then gave me information to address the envelope to the correspondence resolution team and to write on separate sheet of paper exactly what I need this department to do when they receive the voucher. Immediately, I contacted the case worker at Job and Family services to inform them about the situation of the voucher being misplaced and if they could issue me another voucher. The case worker got it approved through her supervisor to reissue me a voucher. I picked up the second voucher and did exactly what the representative told me to do. They did receive the voucher but didnt send the voucher to the correct location. Not to mention, getting another late fee for their mistake. It took this process 5 months just to sign the voucher and mail it back to job and family services. In XX/XX/XXXX, I received my income taxes I paid most of my debt off including paying my family members back, payday loans, credit cards, and catching up on my mortgage. After, I took care of most of my debt ; I felt I couldnt afford the mortgage payment that I was tired of struggling. Therefore, I filed for another loan modification in XXXX and called neighborhood housing partnership to help me with the process. In addition, my water heater went out and flooded the hallway and one of my childrens bedrooms. I had to pay the deductible for the plumber to come to fix replace the water heater and pay for things that werent covered through the warranty company. Also, I had to pay for the water to be cleaned up put the carpet and to be cleaned. Neighborhood Partnership Housing sent the loan modification into Wellsfargo in XX/XX/XXXX. I got denied the repayment plan because based on the documentation that I provided, they were unable to create an affordable mortgage payment that still meets my requirements of the program. They tried the loan modification which I denied this program because based on the documents that I provided ; they were unable to create an affordable mortgage payment that still meets the requirements of the program. Finally, they did the Mortgage Recovery Advance, which I got denied for this as well because based on the documentation I provided my current financial situation shows that my monthly housing expenses along with other debt exceeds 55 % of my monthly income. So, I turned my daughters prepaid cell phone trying to meet the requirements to hopefully get approved for one of the programs. I still got denied after I filed for an appeal for me not being able to afford a modified payment, having a loan modification with the last 5 years, and payments being more than 31 % of my income. In XX/XX/XXXX, I was trying to figure out what other alternatives I had so I wouldnt lose my home. I looked at my account realized that Wellsfargo had received the funding from Job and Family Services in XX/XX/XXXX, they had the funds in unapplied funds, but put the funds into my escrow account without consulting me. I felt since I was already behind on my mortgage the money could have been used to make a full payment to pay towards the past due balance. I called Wellsfargo about the situation to figure out what other options or resources I could use to help me get my mortgage back on track. I called the number they gave me to contact them. I informed the representative what my situation was, then to be told that they couldnt help me it was the wrong department ; they transferred me to a different department who could handle the situation. Again, I informed the representative the same thing about my situation and then that department told that I wasnt in the correct department and the representative transferred me to another department. At this point, I was frustrated and a bit agitated because of me being transferred to all these departments but still no one could help me. Now, I am speaking to a representative in the collection department to inform them about my situation ; again, they said I was in the wrong department and wanted to transfer me to the previous department they had just transferred me to them ; not to mention, I gave them the number that they were trying to transfer me too, so they would believe me that it was same department that I had just got off the phone with. At this point, I wanted to speak to a supervisor or a manager to try to assist me with this matter, of course they were closed. Therefore, I just wanted to get off the phone because no one could answer none of my questions or even help me at all with my situations. I went to speak to the case worker at Neighborhood Partnership Housing. She looked at the denied modification and she asked for the money that was put into my escrow account to be transferred back into unapplied funding so I could use these funds to make a full payment to help towards my past due balance. I feel this whole matter could have been avoided at the beginning of the loan modification process because when I informed the first home preservation specialist that I had a loan modification a couple years ago ; she checked my information and still said I qualified to sign up for another loan modification and we could move on with the process. If she would of did her research and seen that I had a private loan and that I was unable to do a loan modification in the beginning ; she could have informed me then that I didnt qualify under those guidelines and I wouldnt have been so behind of my mortgage. It would have been a lot easier to get help on 1 to 3 months behind on my mortgage compared to 5 months behind and trying to collect the money before Wellsfargo issued out a foreclosure letter. In addition, that there isnt very many resources to help homeowners with their mortgage but I would have had a better change if she would have informed me at the beginning that I didnt qualify for modification.","date_sent_to_company":"2017-07-21T23:35:08.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"453XX","tags":null,"has_narrative":true,"complaint_id":"2581985","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-07-21T23:06:10.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["At the time, I didnt know if I was able to do anything about the <em>change</em>. I did call Wellsfargo about the situation ; the representative I spoke too said it was nothing I could do nor nothing Wellsfargo could do. I continued to <em>make</em> my payments but struggling to <em>make</em> the new mortgage payments.XX/XX/XXXX, my mortgage <em>changed</em> to XXXX ; I believe it was property taxes. In XX/XX/XXXX, my engine went out."]},"sort":[10.442034,"2581985"]},{"_index":"complaint-public-v1","_id":"11841703","_score":10.027075,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX and Chase Bank ( USA ) presented me with a benefit offer that has not been honored and was fraudulent and misleading. \n\nIn XX/XX/XXXX, when purchasing XXXX XXXX flight tickets, I was offered a XXXX mile bonus by XXXX XXXX and Chase Bank at time of checkout in conjunction with a Chase credit card account. This was a large value of points towards XXXX XXXX XXXX and motivated me to buy tickets from XXXX XXXX and use the Chase Credit card more extensively than I would have otherwise. Via the XXXX XXXX website, I was offered the bonus, applied for the account, and was given a Chase Bank and XXXX XXXX XXXX credit card. I had carefully read all terms and conditions and taken notes of all terms and language at the time of signup. The offer is still being issued today on the XXXX XXXX and Chase Bank websites and promotional material in exactly the same manner and has since increased to a XXXX mile offer for the same credit card. \n\nThe stipulated terms offered a bonus award of XXXX XXXX miles upon the charge of {$3000.00} XXXX on the account within the first 3 months. There were no other stated obligations. I was given the card, paid a $ XXXX annual fee, and charged over $ XXXX on the card in the next 3 months. This according to all stated terms would satisfy this offer terms. \n\nI waited the requisite XXXX weeks for the bonus to be processed and did not receive the points. I called both XXXX XXXX and Chase Bank to request the points and was initially ( XX/XX/XXXX ) told the points were in process and would be credited. After waiting another few weeks I called both parties. XXXX XXXX confirmed that I was due the offer, but Chase Bank at that time ( XX/XX/XXXX below ) informed me that I was found not eligible, with no further explanation. \n\nI have noticed that the card documentation provided by Chase Bank with my credit card conspicuously did not mention the XXXX bonus, even when clearly stated in the past and current online terms ( see below ) and reiterated by XXXX XXXX customer service and initially by Chase. I have contacted XXXX XXXX customer service and Chase Bank for copies of documentation of this offer and was told that they do not have any documentation available to share. I am copying below the Benefit offer as was presented to me at the time and is still currently used to market this card and live links to these offers. This is a clear effort to bait and switch customers and fraudulently provide a product that differs greatly in value from the centrally advertised feature. \n\n\n\n\nNOTES : Existing Offers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase Bank Statement : Your account isn't eligible for the bonus offer you requested Your account ending in XXXX Dear XXXX : We appreciate your interest in our new offer to receive XXXX bonus points. Unfortunately your account isn't eligible to receive it. Promotional offers are only available for select credit cards and aren't transferable between accounts.\n\nSi n c er el y, Car d S er v i c es XXXX Card Offer Details Offer Details Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisement. Review offer details before you apply. \nEarn Up To XXXX Bonus Points XXXX Bonus Points After You Spend {$3000.00} On Purchases In The First 3 Months From Account Opening : This product is not available to either ( i ) current cardmembers of the Chase XXXX XXXX, or ( ii ) previous cardmembers of the Chase XXXX XXXX who received a new cardmember bonus for this card within the last 24 months. To qualify and receive your bonus, you must make Purchases totaling {$3000.00} or more during the first 3 months from account opening. ( Purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. ) After qualifying, please allow XXXX to XXXX weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. \nTo qualify for the additional XXXX XXXX points after 13 months of account opening, the annual fee for the second year of card membership must have posted to your Chase XXXX account and paid in full. After qualifying, please allow XXXX to XXXX weeks for bonus points to post to your Chase XXXX account. To be eligible for this bonus offer, the account must be open and not in default at the time of fulfillment. \nEarning Points : Rewards Program Agreement : For more information about the Chase XXXX card rewards program, view the latest Rewards Program Agreement ( PDF ) Opens in a new window. We will mail your Rewards Program Agreement once your card account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com Opens in a new window. \nHow you can earn points : Youll earn points on purchases of products and services, minus returns or refunds, made with a Chase XXXX XXXX by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase ; however, the following types of transactions wont count and wont earn points : balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. XXXX points ( XXXX points ) : Youll earn XXXX points for each {$1.00} spent on purchases made with XXXX XXXX directly. Purchases of gift cards ; car rentals, hotel bookings, and other third-party partner products and services that can be purchased through aircanada.com Opens Overlay ; and onboard Wi-Fi are excluded. XXXX XXXX tickets purchased through travel agencies, discount travel sites, vacation clubs, tour operators, or tickets booked as part of a travel package offered by non-airline merchants will not qualify. XXXX points ( XXXX points ) : Youll earn XXXX points for each {$1.00} spent on purchases made in any of the following rewards categories : grocery stores ; dining at restaurants including takeout and eligible delivery services. XXXX point ( XXXX points ) : Youll earn XXXX point for each {$1.00} spent on all other purchases. Information about earning/transferring points to XXXX : Points will be automatically transferred to XXXX after the end of each billing cycle. Points expiration : The points transferred to your XXXX XXXX account wont expire as long as your card account is open. If your card account is closed, the expiration of points earned in this program that are transferred to your XXXX XXXX account will be governed by the XXXX Program General Terms and Conditions Opens Overlay, available on XXXX XXXX website. Losing points : Youll immediately lose all points that havent been transferred to XXXX if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories : Merchants who accept XXXX credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note : We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant wont qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window. \nXXXX XXXX Checked Bags You, as the primary cardmember, and up to XXXX ( XXXX ) other passengers traveling on the same reservation ( up to a maximum of XXXX ( XXXX ) travelers ), are each entitled to a free first checked bag up to XXXX. Benefit only applies when checking in with XXXX XXXX, for a flight operated by XXXX XXXX XXXX XXXX XXXX XXXX or under the XXXX XXXX XXXX brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary ( for example, as a result of XXXX XXXX XXXX or fare purchased ), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. Chase is not responsible for the provision of, or failure to provide, the stated benefits. For more information on baggage restrictions, please visit aircanada.com/baggage Opens Overlay. \n500 Monthly Bonus Points You, as the primary cardmember, will earn XXXX bonus points for each {$2000.00} spent each calendar month on up to {$6000.00} in purchases ( for a possible total of XXXX bonus points each calendar month ). Purchases are when you, or an authorized user, use a card to make purchases of products and services. Buying products and services with your card, in most cases, will count as a purchase ; however, the following types of transactions wont count : balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. Please allow up to XXXX weeks after qualifying purchases post to your account for bonus points to post to your XXXX account. To receive bonus points, your credit card account must be open and not in default at the time of fulfillment. Bonus points will be credited to the calendar month in which the qualifying transaction posts to your credit card account. Delays by a merchant, such as for shipping, could extend a transaction date into the next calendar month. \nXXXX XXXX Status for New Cardmembers You, as the primary cardmember, will receive XXXX XXXX Status for the calendar year in which your Chase XXXX XXXX account is opened and for the following calendar year. If you have earned a higher status by other means ( in accordance with Air XXXX XXXX XXXX Status Terms and Conditions ), you will retain the higher status. This benefit is not available to current or previous cardmembers who received this benefit of the credit card within the last 60 months. XXXX XXXX Status and access to all associated features, benefits, services and amenities are subject to the Terms and Conditions of the XXXX XXXX Status program and are available at aircanada.com/elite-termsandconditions Opens Overlay. XXXX XXXX XXXX is non transferrable. Your Chase XXXX Card account must be linked to your XXXX number and must be open and not in default to receive and retain XXXX XXXX Status. Chase is not responsible for the provision of, or failure to provide, the stated benefits. \nMaintain or Qualify for XXXX XXXX XXXX Status Each calendar year in which you spend at least {$15000.00} in purchases you, as the primary cardmember, will earn XXXX XXXX Status through the following calendar year. Purchases are when you, or an authorized user, use the card to make purchases of products and services, minus returns or refunds. Buying products and services with your Chase XXXX XXXX, in most cases, will count as a purchase ; however, the following types of transactions wont count : balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your Chase XXXX XXXX account XXXX interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. On XX/XX/XXXX of each calendar year, the calculation resets to zero and you must qualify again in the next calendar year. Purchases made towards the end of a calendar year XXXX not be posted to your Chase XXXX XXXX account until the next calendar year and will therefore be included in the calculation for that year. Please allow XXXX ( XXXX ) to XXXX ( XXXX ) weeks after qualifying for XXXX XXXX XXXX to be applied to your XXXX account. If you earned a higher status by other means ( in accordance with Air XXXX XXXX XXXX Status Terms and Conditions ) you will retain the higher status. XXXX XXXX Status and access to all associated features, benefits, services and amenities are subject to the Terms and Conditions of the XXXX XXXX Status program and are available at aircanada.com/elite-termsandconditions Opens Overlay. XXXX XXXX XXXX is non transferrable. Your Chase XXXX Card account must be linked to your XXXX number and must be open and not in default to receive and retain XXXX XXXX Status. Chase is not responsible for the provision of, or failure to provide, the stated benefits. \nXXXX XXXX Status Level Up to XXXX XXXX Status or higher Each calendar year you spend at least {$50000.00} in purchases, you, as the primary cardmember, will earn an XXXX XXXX Status Level Up benefit consisting of a one-level increase of your status for the next calendar year. For example, if during a calendar year you spend {$50000.00} in purchases and have otherwise earned XXXX XXXX Status for the next calendar year, your status will increase from XXXX XXXX to XXXX Status for the duration of the next calendar year and will drop down to your otherwise earned XXXX Status at the beginning of the calendar year after that, unless you earn a higher status or another XXXX XXXX Status Level Up benefit. Your status can only be increased through this benefit once per calendar year. The benefit always applies to the status you otherwise earn and is not cumulative year to year. This means if you earn the benefit in consecutive years, and otherwise qualify for XXXX XXXX Status in both years, that this benefit will increase your status to XXXX XXXX Status in both years ; the second increase will not build from the previous years increased level of XXXX XXXX Status and increase your status level to XXXX XXXX Status. If you earned the highest XXXX status level, XXXX XXXX XXXX Status, for the next calendar year in accordance with Air XXXX XXXX XXXX Status Terms and Conditions, and also spend {$50000.00} with the Chase XXXX XXXX, instead of an XXXX XXXX Status Level Up benefit you will receive XXXX ( XXXX ) XXXX XXXX Status to gift to another XXXX member for the next calendar year. More details about qualifying for XXXX XXXX XXXX can be found at aircanada.com/elitequalification Opens Overlay. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your Chase XXXX XXXX, in most cases, will count as a purchase ; however, the following types of transactions wont count : balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your Chase XXXX XXXX account XXXX interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. On XX/XX/XXXX of each calendar year, the calculation resets to zero and you must qualify again in the next calendar year. Purchases made towards the end of a calendar year XXXX not be posted to your Chase XXXX XXXX account until the next calendar year and will therefore be included in the calculation for that calendar year. XXXX XXXX XXXX and access to all associated features, benefits, services, and amenities are subject to the Terms and Conditions of the XXXX XXXX Status program and are available at aircanada.com/elite-termsandconditions Opens Overlay. XXXX XXXX XXXX is non transferrable. Your Chase XXXX Card account must be linked to your XXXX number and must be active and not in default to receive and retain XXXX XXXX Status. Chase is not responsible for the provision of, or failure to provide, the stated benefits. \nUse XXXX Points With Pay Yourself Back XXXX Points XXXX be redeemed for a statement credit using Pay Yourself Back toward eligible purchases made with your XXXX card within 90 days from the purchase date. Categories, including promotional categories, eligible merchants, and purchase transaction eligibility XXXX change from time to time. Redemption values will be shown on the transaction page prior to redemption. Redemption values XXXX be changed at any time. We may apply a maximum amount of points you can use with XXXX points redemption with Pay Yourself Back from time to time. Statement credits will post to the card account within XXXX business days of a request to redeem and will appear on the monthly Chase credit card billing statement within XXXX to XXXX weeks. Statement credits will reduce your balance, but you are still required to make at least your minimum monthly payment. Chase reserves the right to determine which purchases qualify for a statement credit. Only XXXX XXXX earned under the XXXX Program, the Chase XXXX XXXX, and Chase Ultimate Rewards can be used for Chase Pay Yourself Back. Points converted from other programs are not eligible. For information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window. If XXXX determines, in its sole discretion based on its data, that you have redeemed ineligible XXXX XXXX, Aeroplan reserves the right to reverse your point redemption or freeze your XXXX XXXX account. You will be responsible for any balance on your credit card account resulting from a reversal. \nOver XXXX Destinations Number of destinations based on the published route network Opens Overlay of XXXX XXXX and its airline partners. \nXXXX XXXX : For flight rewards comprising travel with a partner airline, a partner booking fee will apply. Aeroplan points required for partner airline flight rewards are based on the actual distance flown between origin and destination. Taxes and third-party charges XXXX apply. For full details please visit XXXX XXXX XXXX Terms and Conditions Opens Overlay. \nPreferred Pricing : You, as the primary cardmember will often require fewer XXXX points to redeem for flight rewards through the XXXX program than XXXX Members who do not hold an XXXX co-branded Credit Card. XXXX pricing for flight rewards applies only to flight rewards with XXXX XXXX, not on other airlines. Chase is not responsible for the provision of, or failure to provide the stated benefits. Visit aircanada.com/aeroplan Opens Overlay for full details. Feature may be changed, withdrawn or extended at any time and can not be combined with any other offer.\n\nXXXX XXXX or XXXX  XXXX  or XXXX  Application Fee Statement Credit You will receive XXXX statement credit every XXXX years ( up to {$120.00} ) after the first program ( either XXXX XXXX or XXXX XXXX or XXXX  ) application fee is charged to your Chase XXXX Card by you or an authorized user. This benefit applies only to the XXXX XXXX, XXXX XXXX  or XXXX  programs, other XXXX XXXX XXXX are not eligible. Only purchases made directly with the U.S. Department of Homeland Security, eligible partner listed on ttp.cbp.dhs.gov/, or authorized enrollment providers featured on tsa.gov/precheck website are eligible for reimbursement. Purchases made through any third parties, such as travel agencies or application assistance services, are not eligible for reimbursement. The statement credit will appear on your credit card billing statement within XXXX billing cycles. You are responsible for payment of all charges until the statement credit posts to the account. Chase has no control or liability regarding these programs including, but not limited to, applications, approval process or enrollment, or fees charged by XXXX or XXXX or XXXX. For more information about the XXXX XXXX, XXXX XXXX and XXXX programs, including application details and full terms and conditions, go to ttp.cbp.dhs.gov/. Websites and other information provided by government agencies are not within Chase 's control and may not be available in XXXX. To receive statement credits, your account must be open and not in default at the time of fulfillment. \nXXXX XXXX is a registered trademark and is used with the permission of the U.S. Department of Homeland Security.\n\nConcierge Service : Cardmembers are responsible for the cost of any goods or services purchased through XXXX XXXX XXXX. \nXXXX XXXX 10 % Bonus on Chase XXXX Rewards Point Transfers If you, as the primary cardmember, also have an eligible Chase credit card with Ultimate Rewards, you will be eligible to receive a 10 % bonus after you transfer XXXX or more Ultimate Rewards points in a single transaction to XXXX. Maximum of XXXX bonus points per calendar year. Bonus points will be awarded by XXXX and will post in your XXXX account within 7 days after your transfer is complete. XXXX Rewards transfers into an authorized users XXXX account or any XXXX account other than the primary cardmembers, will not be eligible for the 10 % bonus. Your Chase XXXX XXXX account must be linked to your XXXX number and must be active and not in default at the time the bonus points are credited to receive the bonus points. Chase is not responsible for the provision of, or failure to provide, the stated benefits. \nXXXX XXXX : XXXX XXXX XXXX does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the XXXX Services number on your card or billing statement. \nAccount Alerts : Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply.\n\nScore Improvement : This score improvement resource does not guarantee you will reach your credit score goal even if you complete the recommended actions, as there are other factors that may impact your XXXX. This resource should be used for educational purposes only. There are various types of credit scores that lenders can access to make a lending decision. The credit score you receive is based on the XXXX XXXX model and may not be the credit score model used by your lender or by Chase. You should carefully consider your needs and objectives before making any decisions, and consult the appropriate professional ( s ).\n\nCardmembers Eligible for Chase Pay Over Time : Eligible cardmembers are those with access to Chase Pay Over Time who use a participating Chase credit card for eligible purchases. Access to Chase Pay Over Time is not guaranteed, is based on a variety of factors such as creditworthiness, credit limit and account behavior, and may change from time to time. Participating Credit Cards for Chase Pay Over Time After Purchase : Participating Chase credit cards include most consumer credit cards and select small business credit cards. For a complete list of participating Chase credit cards, see Which Chase credit cards are eligible to use Chase Pay Over Time after a purchase is made at chase.com/personal/credit-cards/chasepayovertime/faqs/after-purchase Opens in a new window. Participating Credit Cards for Chase Pay Over Time at checkout on XXXX : Participating Chase credit cards include all credit cards except XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX cards, and Chase XXXX XXXX cards. \nPurchases Eligible for Chase Pay Over Time Set Up After Purchase Purchases of at least {$100.00} are eligible, excluding certain transactions such as ( a ) cash-like transactions, ( b ) any fees owed to us, including Annual Membership Fees, and ( c ) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com Opens in a new window or the Chase XXXX XXXX. \nXXXX, the silver circles design and XXXX XXXX XXXX are registered trademarks of XXXX XXXX XXXX. \nXXXX XXXX XXXX The XXXX number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the XXXX account of the traveler. Please allow up to XXXX hours after the Chase XXXX XXXX is approved for these benefits to be activated. Your Aeroplan account must be in good standing at time of flight for airline benefits to apply. Airline benefits will no longer be available upon Aeroplan account closure, regardless of reason for closure, or if the credit card product is changed. XXXX membership and benefits are subject to the XXXX Program Terms & Conditions ( aircanada.com/aeroplan-termsandconditions Opens Overlay ) and any applicable XXXX XXXX terms and conditions relating to a benefit, as determined by XXXX XXXX in its sole discretion and as XXXX be changed from time to time. Chase is not responsible for the provision of, or failure to provide, the stated benefits. XXXX XXXX is a registered trademark of XXXX XXXX used under license by XXXX XXXX XXXX is a registered trademark of XXXX XXXX XXXX used under license. \nChase XXXX credit cards are issued by JPMorgan Chase Bank , N.A . XXXX FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offers subject to change.","date_sent_to_company":"2025-01-30T00:10:04.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"14701","tags":null,"has_narrative":true,"complaint_id":"11841703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-29T23:53:27.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["Offers subject to <em>change</em>."]},"sort":[10.027075,"11841703"]},{"_index":"complaint-public-v1","_id":"3784348","_score":9.619369,"_source":{"product":"Mortgage","complaint_what_happened":"We made our final payment to the Countrywide unit of Bank of America on XX/XX/XXXX. Bank of America sent an incorrect \" Satisfaction of Mortgage '' to XXXX County and ourselves. Unknown to ourselves, the \" Satisfaction of Mortgage '' was not correct and was not applied to our property. \nWhen we attempted to sell our property, the title was not clear. \nBank of America will neither send a corrected \" Satisfaction of Mortgage '' nor send an explanation why they will not. \nWe simply want a valid \" Satisfaction of Mortgage '' recorded by XXXX County, Florida. \n\nfollowing below is a sample of the response we have receive to date. \n\nXXXX XXXX Thank you for contacting Bank of America XXXX XXXX. We have received your e-mail. \nA member of our team will get back to you within two to five business days. \n\nWe appreciate your business and look forward to serving you, Bank of America XXXX XXXX -- -- - Original Message -- -- - From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX  GMT-05:00 Subject : RE : RE : General question about my account we have not received your corrected # Satisfaction of Mortgage # document XXXX XXXX > >Dear XXXX XXXX, > >Thank you for contacting Bank of America . We apologize for the delayed response due to an unexpected increase in online banking emails. \n> >In response to your email, our records indicate that we have responded to your email inquiry on XX/XX/XXXX regarding this matter and we trust that your concerns have been met. \n> >If we can be of further assistance, please don't hesitate to contact us at XXXX. And thank you for choosing Bank of America as your home service partner! \n> >Sincerely, >Bank of America > > -- -- -Original Message -- -- - >XXXX & XXXX XXXX >XXXX XXXX XXXX XXXX. XXXX, Florida XXXX XXXX > > >Thursday, XX/XX/XXXX > >XXXX XXXX XXXX >XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX >XXXX XXXX XXXX XXXX >XXXX Arizona XXXX > >reference : Satisfaction of Mortgage > >Dear Mr. XXXX : > >On XX/XX/XXXX XXXX XXXX prepared a? Satisfaction of Mortgage? document for our mortgage paid in full to Countrywide XXXX XXXX, a unit of Bank of America. This final payment was made from the Bank of America checking account of XXXX & XXXX XXXX. \n>Apparently, this document contained a referencing error of the original location of the recording of the mortgage on XX/XX/XXXX. \n>We are in the process of selling our property at XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, Florida XXXX, the property originally securing the mortgage.. The lack of an accurate? Satisfaction of Mortgage? is hindering this sale. \n>Time is of the essence. \n>Please contact either Ms. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and/or myself, XXXX, XXXX immediately. \n> >Sincerely, > > > > > > > > XXXXXXXX & XXXXXXXX XXXX > >Copy to : XXXX XXXX > XXXX County Abstract > XXXX XXXX XXXX XXXX > XXXX XXXX, Florida XXXX > > XXXX XXXX > XXXX County > State of Florida Actions : Delete Auto Dealer XXXX XXXX Reply Auto Dealer XXXX Next message Need to send a message? \nContact us online, by phone or in person Secure Area En espaol Sign Out Locations Contact Us Browse with Specialist Privacy & Security Online Banking Service Agreement Advertising Practices layer Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. You should review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor. \nSecurities products are provided by Merrill Lynch, XXXX, XXXX XXXX XXXX XXXX ( also referred to as XXXX XXXX XXXX or Merrill ), a registered broker-dealer, Member SIPC layer, and a wholly-owned subsidiary of Bank of America Corporation ( BofA Corp. ). XXXX XXXX XXXX makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of BofA Corp. \nBank of America Private Bank operates through Bank of America, N.A., and other subsidiaries of BofA Corp. Trust and fiduciary services are provided by Bank of America Private Bank , a division of Bank of America , N.A. , Member FDIC XXXX and a wholly-owned subsidiary of BofA Corp . \nInsurance Products are offered through Merrill Lynch XXXX XXXX XXXX ( XXXX ) and/or Banc of America XXXX XXXX XXXX XXXX, both of which are licensed insurance agencies and wholly-owned subsidiaries of Bank of America Corporation. \n\nBanking, credit card, automobile loans, mortgage and home equity products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. \nInvestment and insurance products :","date_sent_to_company":"2020-08-07T19:00:35.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"32086","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3784348","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-08-07T18:03:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["<em>Programs</em>, rates, terms and conditions are subject to <em>change</em> without notice. \nInvestment and insurance products :"]},"sort":[9.619369,"3784348"]},{"_index":"complaint-public-v1","_id":"8319345","_score":9.589849,"_source":{"product":"Credit card","complaint_what_happened":"US Bank abruptly closed my accounts for both the XXXX XXXX and the XXXX XXXX on XX/XX/23 claiming ambiguous reasons as to their justification. They then cited their terms and conditions that I allegedly agreed to, however they're unequivocally incorrect. As you can see from the application page from US Bank 's website ( https : //www.usbank.com/XXXX  ), there is absolutely no mention of any clauses where US Bank can close an account nor confiscate rewards. Using the link above, you can follow along at the end of this message with all the disclosures found on the webpage. You will see no terms exist prior to applying. \n\nAdditionally, this is violation of the FDIC 's guidelines against 'Unfair and Deceptive Acts and Practices ' by engaging in unfair credit card lending practices by : 1 ) Not structuring their practices to enable customers to make informed decisions about the products and services they choose to purchase and use, and to operate under reasonably reliable expectations about any costs/consequences associated with those decisions. \n\n2 ) Enacting policy contrary to public policy. The state of New York expressly prohibits US Bank 's acts and are unlawful in the state of New York ( N.Y. Gen. Bus. Law 520-E ) \" Beginning with the date on which notice is sent, the holder shall have ninety days to redeem, exchange, or otherwise use any credit card points that the holder accumulated at the time of such modification, cancellation, closure, or termination as permitted under the terms of the agreement or agreements between the holder and the issuer.. '' \" It shall be unlawful for any agreement between an issuer and a holder, or any rewards program, to provide for the expiration, forfeiture or cancellation of credit card points prior to the expiration of the ninety day period set forth in subdivision two of this section. '' \" Any agreement entered into by a holder that waives, limits or disclaims the rights set forth in this section shall be void as contrary to public policy. '' US Bank XXXX XXXX XXXX from 'https : //www.usbank.com/XXXX XXXX Lastly, the only section of the promotional page and application pages that remotely mentions terms and conditions of the program only has this to say XXXX XXXX XXXX XXXXusbank.com/XXXX XXXX XXXX  ) : \" Upon approval, please refer to the materials received with your new card and the Program Rules in the online Rewards Center by logging in to usbank.com for additional information. '' This is nothing short of deceptive and abusive. \n\nAll webpages and disclosures have been saved and screenshotted so as to preserve evidence. \n\n\" U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law. \n\n* The APR may vary, the variable APR for Purchases and Balance Transfers is 22.24 % - 29.24 % ( based on your creditworthiness ). The variable APR for Cash Advances is 29.99 %. Cash Advance fee : 5 % of each advance amount, {$10.00} minimum. Convenience Check fee : 3 % of each check amount, {$5.00} minimum. Cash Equivalent fee : 5 % of each cash amount, {$10.00} minimum. Balance Transfer fee : 3 % of each transfer amount, {$5.00} minimum. There is a {$1.00} minimum interest charge where interest is due. The annual fee is {$400.00}. Foreign Transaction fee : 0 % of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 0 % of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay Fees : A monthly fee not to exceed 1.6 % of the original principal amount in a U.S. Bank ExtendPay Plan or U.S. Bank ExtendPay Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. U.S. Bank ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and ExtendPay Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR. \n\nNet Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn Points, such as transactions posting as Convenience Checks ; Balance Transfers ; Advances ( including ATM withdrawals, wire transfers, traveler 's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets ) ; interest charges and fees ; credit insurance premiums ; and transactions to ( i ) fund certain prepaid card products, ( ii ) buy currency from the XXXX XXXX, or ( iii ) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. \n\nAccount must be open and in good standing ( not past due ) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information. \n\nFootnote 1 One-time XXXX bonus Points will be awarded if you are approved for a new U.S. Bank XXXX XXXX XXXX XXXX XXXX and eligible Net Purchases totaling {$4500.00} or more are made to your Account within 90 days after Account opening. Points are earned on eligible Net Purchases. Please allow 1-2 billing cycles for your bonus Points to be credited to your Account. Existing or previous U.S. Bank XXXX XXXX XXXX XXXX cardmembers are not eligible if you have received a new account bonus for this product in the last five years. Use of the Card is subject to terms and conditions of the U.S. Bank XXXX XXXX XXXX XXXX Cardmember Agreement, which is provided at Account opening and may be amended from time to time. This offer may not be combined with any other bonus offer. \n\nFootnote 2 By clicking Apply, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our for how we treat your data. \n\nFootnote 3 Points are earned on eligible Net Purchases. U.S. Bank XXXX XXXX XXXX XXXX Cardmembers will earn 1 Point for every {$1.00} in eligible Net Purchases. In addition, you will earn 4 Points ( 5 Points total ) for every {$1.00} in eligible Net Purchases spent on prepaid car and hotel reservations purchased in the online XXXX XXXX XXXX using your U.S. Bank XXXX XXXX XXXX. Prepaid car and hotel reservations in the Rewards Center are not classified as a travel category merchant transaction and are not eligible to receive the additional points for that category. You will earn 2 Points ( 3 Points total ) for every {$1.00} in eligible Net Purchases during each billing cycle for transactions made directly with merchants who classify their business as a travel category transaction ( such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies ), and for transactions using a mobile wallet. Mobile wallet is defined as the method of paying for a transaction by use of a mobile device ( in-store, in-app or online ) and includes XXXX XXXX, XXXX XXXX, and XXXX XXXX. If the transaction is an eligible mobile wallet transaction and an eligible travel category transaction, additional Points will only be awarded for one of the transaction types ( Points will be applied as mobile wallet, not travel ). Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details. \n\nFootnote 4 Automatic statement credit ( s ) totaling up to {$320.00} will be applied to your Account when it is used for purchases made directly from a merchant that classifies itself as travel ( such as airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies ) and any merchant classified as a restaurant, fast-food restaurant or bar. Credit ( XXXX ) will be applied to the Account within 2-3 business days after the purchase posts to the Account. Account is eligible to receive a total credit amount of up to {$320.00} per Cardmember year ( based on Account opening date ). Purchases qualify based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.\n\nFootnote 5 Cardmembers who enroll in the Priority Pass Select program will receive access for 12 months to airport VIP lounges worldwide that participate in the Priority Pass Select program. Enrollment with no membership fee is limited to one Cardmember per Account ( including authorized users ). Lounge visit fees apply. Please view the or visit the at for eligibility details, to register, and for full terms and conditions. Cardmembers must accept the Priority Pass Select Conditions of Use which are located at :. One Cardmember per Account may be enrolled as the member in the Priority Pass Select program, and their first eight visits are waived each Priority Pass Select membership year ( not Cardmember year ). Per person lounge visit fees will apply after free visits have been used. Lounge benefits, services and facilities differ by location and may only be available at an additional charge. \n\nFootnote 6 From time to time we may offer to you the benefit of our U.S. Bank ExtendPay Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. You may designate up to 50 % of your credit card line ( {$100.00} minimum ) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for ExtendPay Plans. Transactions identified as Advances or Balance Transfers ( as defined in your Cardmember Agreement ), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as \" Eligible Purchases '' in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over {$100.00}, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement.\n\nFootnote 7 Certain terms, conditions and exclusions apply. Please view the for further card benefit details including full terms and conditions.\n\nFootnote 8 Certain terms, conditions and exclusions apply. You must complete either the Global Entry and/or TSA PreCheck application ( s ) and pay the application fee ( s ) with your U.S. Bank XXXX XXXX XXXX XXXX card . For complete details on the TSA PreCheck program, including full terms and conditions, go to. The TSA PreCheck trademark is used with the permission of the U.S. Department of Homeland Security. Please view the for further card benefit details including full terms and conditions. \n\nFootnote XXXX Certain terms, conditions and exclusions apply. Please view the for further card benefit details including full terms and conditions. XXXX fraud liability is provided for unauthorized transactions ; you must notify U.S. Bank promptly of any unauthorized use. \n\nFootnote 10 No one can prevent all cybercrime or all identity theft.\n\nFootnote 11 Cardmembers are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Infinite Concierge on Cardmembers ' behalf. Any such purchases or arrangements are solely between the Cardmember and the respective merchant, and XXXX is not a party to the transaction. All goods and services subject to availability. See full terms of service at. \n\nFootnote 12 Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank savings or checking account ( XXXX Points minimum redemption ). \n\nXXXX XXXX is a trademark of XXXX XXXX, registered in the U.S. and other countries. For a list of compatible XXXX XXXX devices, see. XXXX XXXX is a trademark of XXXX XXXX. XXXX XXXX is a trademark or registered trademark of XXXX XXXX XXXX XXXX Use only in accordance with law. App is downloadable from the XXXX XXXX XXXX \n\nThe XXXX XXXX and XXXX XXXX are trademarks owned by and used with the permission of XXXX, XXXX. \n\nThe creditor and issuer of this card is XXXX XXXX XXXX XXXX, pursuant to a license from XXXX XXXX XXXX, and the card is available to United States residents only. ''","date_sent_to_company":"2024-02-10T00:11:45.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"27103","tags":null,"has_narrative":true,"complaint_id":"8319345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2024-02-09T23:23:02.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["Footnote 7 <em>Certain</em> terms, conditions and exclusions apply. Please view the for further card benefit details including full terms and conditions.\n\nFootnote 8 <em>Certain</em> terms, conditions and exclusions apply. You must complete either the Global Entry and/or TSA PreCheck application ( s ) and pay the application fee ( s ) with your U.S. Bank XXXX XXXX XXXX XXXX card . For complete details on the TSA PreCheck <em>program</em>, including full terms and conditions, go to."]},"sort":[9.589849,"8319345"]},{"_index":"complaint-public-v1","_id":"6889167","_score":9.402408,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This event began on XX/XX/XXXX at approximately XXXXXXXX XXXX  It all started when a friend of mine was going to pay me for something that I got for him, food. He wanted to pay me in cash but I said no because I always lose the change. I suggested to him that he should download XXXX and pay me with XXXX but he said no. So I remembered that he had XXXX and I said XXXX owns XXXX so you have nothing to worry about as far as security. I said okay pay me with XXXX. XXXX does not charge any processing fees for payments between friends. I assumed, wrong, that XXXX would do the same. When he sent the money to me by his phone I was short changed about XXXX cents. It was processing charges. He offered to pay me the XXXX cents but I said no I would call up XXXX. I then proceeded to go on my phone and ask XXXX for a XXXX phone number to reverse fees. XXXX immediately, as it always does, brought me to a web page which had the number that I called. Except this number was not truly a XXXX number. It was the bad guys masking as XXXX. \nContinuing forward, this man who I shall call XXXX, was witness to all of this as I was at his house. He witnessed it all until approximately XXXX minutes after XXXX Eastern time that day. It was then that he left and I left to go home. I do not think that any damage was done at that time. Attempts were made however they failed possibly because the bad guys after I had downloaded on my XXXX  phone the app called any desk. They assured me that this was necessary to validate who I was. It was for their security as well as mine. The person I was talking to was very experienced. He had all the right answers to all of the questions before I asked them. I even complimented him at some time as to how good and how knowledgeable he was with XXXX. Now picture this of me now after having said the previous hitting my head with a hammer. A few times during our connection the connection broke and he said it was because of them having server problems. When a person downloads any desk and when it boots up the program assigns a XXXX digit code to the user. Unfortunately the next day after I had a visit from the investigating officer of the XXXX State Police, who did see this number, but neither he nor I had the awareness to take a screenshot and record the number. With technology as good as it is today I feel most certain that the software engineers of XXXX know that a transaction was being conducted through a third party software. That night I researched any desk and it is widely acclaimed as being the best software being used by professionals in the repair of computers and remote installations. This does not say that any desk is bad. It is primarily being used by the wrong people, the bad guys. I have screenshots of the time I spoke to them at both their XXXX supplied phone number and the number that I called back because they called me back when they lost the connection when my friend went to the dentist. I stayed at his driveway as they continued to work with me. They were very very good. They were very very professional and polished. I am not sure if we were still doing XXXX at the time. They had failed with XXXX where later they succeeded with XXXX. From my limited experience I think that XXXX XXXX or XXXX had better security. However during this time, unknown to me, and definitely not authorized by me there was another security breach. Through that program any desk applied for me a credit card from XXXX. It was closed within hours after I discovered through emails that it was live virtually that I believe by using a XXXX  reader I could initiate it. They also said, in the XXXX credit card email that a physical card was being shipped. When I did speak to XXXX credit card which is being authorized by XXXX XXXX they were most helpful. Evidently, these bad people have done this before. When I saw a credit card on my screen I asked where did this come from and the person I was speaking to said that it was only a dummy credit card. It is a place where we can transfer the money to verify you. It is only used for holding for a short period of time in order that we can be sure it's a secure transaction. It certainly sounded logical to me because these guys were good at security. The dummy was me for listening to them and believing. \nIt is certainly safe to say that the above is or was identity theft. \n\nAs they were not successful in using XXXX to verify me with their XXXX server they asked if I use XXXX. I said I have XXXX but I rarely use it. I then thought a little bit and realized that Bank of America had XXXX  available. First, I did not know my XXXX password combination for Bank of America and I was afraid that I may put down the wrong information and get locked out. They encourage me to give it my best shot as they are there to help me get my XXXX cents back. As I write this now I really feel like a dunce. Moving on as this form which I have presented to the CFPB is getting rather lengthy I was successful in getting the correct username password. Let me remind you, that on my telephone screen there was the app any desk and on the top of the app was the identifier of whom I was communicating with. And that showed it read the icon and lettering for the XXXX server. All of this would never have happened if XXXX did their homework and did not accept the phone numbers that were given to them by the bad guys. That phone number which was the toll free phone number has been given to the investigating officer with the XXXX  State Police. I even had him call the number when he was with me to see what would happen and it was dead. It actually became nonexistent of which I have proof to show through screenshots of my attempts to call it on my cell phone. The one time that it was going dead it actually answered something like a phone number not available XXXX. I was very surprised when I heard the name XXXX. It may be that XXXX supplies numbers for a fee to people to promote their advertising of which I am sure they make a substantial profit. So in my opinion XXXX is also responsible in my case for my problem. If they had researched the number before they had it presented they would have found that it was a scam. Just the fact that the bad guys requested {$990.00} the first time and then came back 2 minutes later and requested {$990.00} to be transferred to the same person or entity should have been a trigger for security at Bank of America XXXX. If you look at my records with XXXX I have only used it one time before and I think it was for under {$20.00} and I believe it was for my son. Having a request for two withdrawals within minutes, maybe seconds for almost the same amount of money in itself is strange. And I believe, and I am sure that you can find out, that requests under {$1000.00} are not aggressively checked for fraud. That's why those greedy guys try to get the u from their live catch. And I ask you why can not there be a cooling off period of at least 6 hours that a reversal could be done. These money transfer apps are designed for the fraudster. \n\nWhen I finally realized that I was duped I hung up on them. Immediately I was getting repeated return phone calls and I did not pick up but I can see their phone number on caller ID. I gave this phone number also to the investigating officer. I immediately drove to my house which was about XXXX mi away from where I was talking to them and the purpose for that was to call on a dedicated landline Bank of America. As if they were waiting for me when I called it went right to the fraud department. Bank of America knew that I was being duped. Yes I did not have to go through a menu put in my social security number or anything I was switched immediately to the fraud department. I immediately told them what had happened and I was amazed and I assumed, wrongfully so, that I could do something like a stop payment. They took my information down and even as I was talking to them they were still trying to call my home phone number which I had given to them in case we got disconnected. That of course, was before I realized that this was not XXXX servers. I have right on the internet that this has been going on with any desk and XXXX servers. It should be easy to follow the money and where it went to and to enforce the laws which we already have about fraudulent activity and possibly money laundering. I implore you the CFPB to listen to the senators XXXX XXXX, XXXX XXXX and senator XXXX and do what is necessary to prevent all the theft which is happening because of inadequate security on the XXXX  platform. \nThank you","date_sent_to_company":"2023-05-02T12:49:35.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"179XX","tags":"Older American","has_narrative":true,"complaint_id":"6889167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-04-25T18:29:51.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["From my limited experience I think that XXXX XXXX or XXXX had better <em>security</em>. However during this time, unknown to me, and definitely not authorized by me there was another <em>security</em> breach. Through that <em>program</em> any desk applied for me a credit card from XXXX. It was closed within hours after I discovered through emails that it was live virtually that I believe by using a XXXX  reader I could initiate it. They also said, in the XXXX credit card email that a physical card was being shipped."]},"sort":[9.402408,"6889167"]},{"_index":"complaint-public-v1","_id":"6482545","_score":9.35462,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Consumer Financial Protection Bureau\nP.O. Box 2900\nClinton, \nIA 52733-2900 TRUIST BANK  BREACH OF DUTY OF CARE\n \t \t \t \nDear Sir/Madam of the Consumer Financial Protection Bureau,  \n\nPlease take the time to read this information pack as it will explain the reason for my complaint to the Consumer Financial Protection Bureau. \n\nOn XXXX XXXX XXXX, I fell victim to a multilayered scam operation orchestrated\nby XXXX XXXX (the Scammer) and innocently lost XXXX  USD of my hard-earned life-savings.  I advised Truist Bank of this fact on XXXX XXXX XXXX and I havent received any satisfactory response so far.\n\nTruist Bank had a duty to exercise reasonable professionalism, care, pay due to regards to the interest of their customers and follow good industry practices (GIP) to keep customers accounts safe. This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at risk of financial harm.   \n \nSince XXXX XXXX, I have been attempting to resolve this matter with Truist Bank, but they have failed to settle this matter satisfactorily. I have been dealing with Truist Bank in good faith and am deeply disappointed in how they have handled this matter thus far.  \n   \nI find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates their principles, which call me to defend my rights. This is poorly thought out and vaguely defined nonsense. I doubt they care however since nonsense is what renders unscrupulous businesses financially successful. \nAccordingly, I respectfully insist that Truist Bank covers all overdrafts (560,000.00 USD) on the account. This is fair and reasonable given I was given no appropriate warning about the possibility of a scam. I have been a loyal customer of Truist Bank and have never had any difficulties of this kind before.\n\nFURTHER POINTS FOR CONSIDERATION \n\nThe examples of good and bad practices around investment fraud. Good practice included but was not limited to:\n\tA bank regularly assesses the risk to itself and its customers of losses from fraud, including investment fraud, in accordance with their established risk management framework. The risk assessment does not only cover situations where the bank could cover losses, but also where customers could lose and not be reimbursed by the bank. Resource allocation and mitigation measures are informed by this assessment.\n\tA bank contacts customers if it suspects a payment is being made to an investment fraudster.\n\tA bank has transaction monitoring rules designed to detect specific types of investment fraud. Investment fraud subject matter experts help set these rules.\n\tReal-time payment screening against a well-formulated watch list; transaction monitoring rules designed to detect specific types of investment fraud\n\tBanks actively contacting customers if suspect payments are identified\n\tBanks placing material on investment fraud on its website\n\tWork to detect and prevent investment fraud from being integrated with a banks vulnerable customers initiative\n\nTaking into account the law, regulatory rules and guidance, relevant codes of practice and what should consider having been good industry practice at the time, Truist Bank should reasonably and reasonably consider:\n\tHave been monitoring accountsand any payments made or receivedto counter various risks, including anti-money-laundering, countering the financing of terrorism, and preventing fraud and scams;\n\tHave had systems in place to look out for unusual transactions or other signs that might indicate its customers were at risk of fraud (amongst other things). This is particularly so given the increase in sophisticated fraud and scams in recent years, which banks are generally more familiar with than the average customer; and\n\tIn some circumstances, irrespective of the payment channel used, have taken additional steps, or made additional checks, before processed a payment, or in some cases declined to make a payment altogether, to help protect customers from the possibility of financial harm from fraud.\n\nDespite the regulatory and statutory requirements Truist Bank shall abide by as a licensed and regulated financial institution, instead of detecting patterns, drawing certain conclusions, and taking actions accordingly, Truist Bank may have insufficiently performed some hasty and haphazard review of the transaction(s) regarding the suspicious activities, but it seems that rather than being careful, methodical, and vigilant, they took no notice of what was happening.\n\nPlease be noted that I will not in any way quietly tolerate the consequences of Truist Bank actions (or more precisely, the lack thereof). It is perfectly obvious that they could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and could have entirely prevented this disastrous outcome.\nAs previously advised, they should have known, suspected, or had reason to suspect that the transactions (or pattern of transactions):\n\tinvolve funds the ultimate purpose of which was to fuel an illegal enterprise;\n\tis intended to disguise funds the ultimate purpose of which was to fuel an illegal enterprise, in an attempt to avoid and thus violate regulations;\n\tis intentionally designed to defraud your customer;\n\tserves no legitimate or lawful purpose; and\n\tinvolve the use of your services to facilitate criminal activity.\n\nThere are so many other ways in which measures related to fraud prevention and mitigation could have been useful. Further factors that should have been taken into consideration include, but are not limited to, the following:\n\tThe timing, volume, frequency, and nature of the transactions in question;\n\tThe abnormality of such transactions against the background of your experience with me as a customer and other entities associated with the transactions (if any);\n\tThe suspicious nature of such transactions based on my overall risk profile including vulnerability and identification and research of high-risk services/products;\n\tSystemic filtering mechanisms, whether manual or automatic, for the identification of unusual activities; and\n\tPeriodic evaluation of the usefulness, appropriateness and effectiveness of anti-fraud programs, and other associated policies and procedures.\n\nRelevant industry practices at the time of the victimization:\nTruist Bank is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is:\n\tparticularly vulnerable, or\n\tif the possibility of fraud was serious or real, not just suspected.\n\nThere are some recommendations to organizations for protecting customers from financial harm that might occur as a result of fraud or financial abuse; and gives guidance on how to recognize customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimize financial harm.\nThese recommendations are established as a general principle, the organization should deliver a service that:\n\n1)\tTakes a proactive approach to minimizing risks, impact and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organizations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorized and unauthorized payments, thereby minimizing the risk of financial harm to customers. As regards to the detection of fraud and financial abuse, it says the organization:\n\nA) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts:\na. multiple cheque books;\nb. sudden increased spending;\nc. transfers to other accounts;\nd. multiple password attempts;\ne. logins from new devices, multiple geographical locations;\nf. sudden changes to the operation of the account; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification.\ng. a withdrawal or payment for a large amount;\nh. a payment or series of payments to a new payee;\ni. financial activity that matches a known method of fraud or financial abuse.\n\nB) organizations should have a process in place to ensure that staff make contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action.\n\nMy true issue with the bank is their limited understanding of the kind of recall I was requesting to raise. The most common reason for a recall is where the account holder says the transaction was not authorised; a recall can also be claimed if the goods were not received or if the cardholder paid in another way (eg., with cash).\n\nWhilst I am not denying the demand for the reason code, I am emphasizing to the bank that my case falls under a different reason code. Despite providing the bank with the required explanations of my case, Truist Bank preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case.\n\nTruist Bank could have done more at the time of the payment to warn me of the risks of scams\n\tTaking steps to educate their customers about scams.\n\tTaking steps to identify higher risk payments and customers who have a higher risk of becoming a victim of scams.\n\tProviding effective warnings to customers if the bank identifies a scam risk.\n\tTaking extra steps to protect customers who might be vulnerable to scams.\n\tTalking to customers about payments and even delaying or stopping payments where there are scam concerns.\n\tActing quickly when a scam is reported to it.\n\tTaking steps to stop fraudsters from opening bank accounts.\nBanks and other Payment Services Providers (PSPs) do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against money laundering. In broad terms, the starting position at law is that a firm is expected to process payments and withdrawals that a customer authorises it to make, in accordance with the Payment Services Regulations and the terms and conditions of the customers account.\nBut, where the consumer made the payment as a consequence of the actions of a fraudster, it may sometimes be fair and reasonable for the bank to reimburse the consumer even though they authorised the payment.  \nI think Truist Bank shouldve had enough knowledge of this type of scam at the time. Truist Bank could have protected me from this; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact was made me question what I was doing. The treatment from Truist Bank is compounded by trauma and anxiety and has left me in the awful situation I now find myself in.\nAlthough it was not Truist Bank that scammed me, they had many obligations to protect my Financial Interest - which they did not uphold if you take a quick look at the bank statements you will realise how the transactions were absolutely out of the usual pattern, there was suddenly increased spending, payments for considerably large amounts, series of payments to a new payee and of course financial activity that matched a known method of fraud or financial abuse.\nAll of the above points were not considered by Truist Bank when I was victimised, and no actions were taken to prevent that victimisation. Of course, I appreciate that they might want to act in good faith and uphold my requests to transfer these payments but the code sets out that organisations should have a process in place, to ensure that (i) staff make contact with the customer to verify the financial activity, (ii) challenge its authenticity, (iii) explain the nature of the suspected or detected fraud and (iv) discuss an appropriate plan of action. \n \nTo further simplify the situation with respect to the nature of the transactions, there are circumstances, irrespective of the payment channel used, where a bank should take additional steps, or make additional checks, before processing a payment, or in some cases decline to make a payment altogether, to help protect customers from the possibility of financial harm. This is particularly so in light of the environment created by the increase in sophisticated fraud and scams in recent years - which banks are generally more familiar with than the average customer.\n \nKindly take into account that this case against Truist Bank is not primarily about the scam that happened. My main issue with Truist Bank is its unwillingness to raise a recall under the relevant reason code. It is obvious that they did not take any of my reasonings into account and blatantly focused on the authorisation argument that does not match my case and the issue of whether the transactions were fraudulent according to what is written on the paper. \n\nAnti-Money Laundering Requirements for Financial Institutions and Other Designated Businesses \n\n3.1 What financial institutions and other businesses are subject to anti-money laundering requirements? Describe which professional activities are subject to such requirements and the obligations of the financial institutions and other businesses. The following are subject to the requirement to maintain risk-based AML Programs: \n\n\tBanks, including savings associations, trust companies, credit unions, branches and subsidiaries of foreign banks in the United States, and Edge corporations.\n\tBroker-dealers in securities.\n\tMutual funds. Futures Commission Merchants and Introducing Brokers in Commodities. Money Services Businesses 3.4 What are the requirements for recordkeeping or reporting large currency transactions? When must reports be filed and at what thresholds?\n\nCurrency Transaction Reporting\n\nFinancial institutions (defined as financial institutions under the BSA regulations) must file CTRs with FinCEN on all transactions in (physical) currency in excess of XXXX  (or the foreign equivalent) conducted by, though, or to the financial institution, by or on behalf of the same person, on the same day. 31C.F.R.  1010.310315.\nIt is prohibited to structure transactions to cause a financial institution not to file a CTR or to file an inaccurate CTR by breaking down transactions into smaller amounts at one or more financial institutions over one or more days. 31 C.F.R.  1010.314.\n\nCustomer Due Diligence\nPursuant to regulatory requirements, which became effective May 11, 2018, as part of their AML Programs, certain financial institutions (banks, broker-dealers, mutual funds, FCMs and IB-Cs) must implement formal risk-based CDD programs that include certain minimum elements, including customer identification and verification (under a Customer Identification Program), obtaining information about the nature and purpose of a customers account, ongoing monitoring of customer accounts, obtaining beneficial ownership information at a 25% threshold\nfor legal entity customers and identifying a control person for legal entity customers (with certain exceptions).\n\nThere also is a specific BSA requirement to maintain CDD programs for non-U.S. persons private banking accounts and foreign correspondent accounts. The same covered financial institutions as for CDD programs (banks, broker-dealers, mutual funds, FCMs and IB-Cs) must maintain a CDD program for non-U.S. private banking accounts established on behalf of, or for the benefit of, a non-U.S. person and foreign correspondent customers and an enhanced due diligence (EDD) program for those relationships posing a higher risk. These programs must be designed to detect and report suspicious activity with certain minimum standards. These requirements are based on Section 312 of the PATRIOT Act and are often referred to as Section 312 requirements. 31 C.F.R.  1010.610 (due diligence for foreign correspondent accounts), 1010.620 (due diligence for private banking for non-U.S. persons).\n3.9 What is the criteria for reporting suspicious activity?\n\nFinancial institutions and other businesses subject to the AML Program requirement (except Check Cashers, Operators of Credit Card Systems, and Dealers in Precious Metals, Precious Stones, or Jewels) are required to file SARs with FinCEN under the BSA (and for banks, under parallel requirements of their federal functional regulators). SARs are required where the filer knows, suspects, or has reason to suspect a transaction conducted or attempted by, at\nor through the financial institution: \n\n\tinvolves money laundering;\n\tis designed to evade any BSA regulation or requirement;\n\thas no business or apparent lawful purpose or is not the sort in which a particular customer would engage; or \n\tinvolves the use of the financial institution to facilitate criminal activity or involves any known or suspected violation of federal criminal law. \n\tSee, e.g., 31 C.F.R.  1023.320(c) (SAR requirements for broker-dealers). Generally, the reporting threshold is XXXX or more. For banks, if the suspect is unknown, it is XXXX or more. For MSBs, generally, it is XXXX or more.\n\nIn XXXX XXXX the office of the Senator XXXX XXXX  issued a report called: Facilitating Fraud: How Consumers Defrauded on XXXX are Left High and Dry by the Banks that Created It. These are some of the most important statements mentioned in the report:\nIn XXXX XXXX, Senator XXXX opened an investigation to determine the extent of fraudulent activity on XXXX, and to understand how the company and the banks that own and operate it make consumers whole when they are defrauded on the platform. Senators XXXX XXXX XXXX XXXX  wrote to XXXX seeking information about the frequency of scams and fraud and the companys policies on redressing consumers who have been defrauded. \nThe information provided by XXXX revealed that an estimated XXXX XXXX was lost by XXXX users through frauds and scams in 2021, but that the banks that participate in the network appear not to have provided sufficient recourse to their customers. In particular, XXXX response indicated that XXXX  facilitates fraudulent activity of many kinds That includes activity in which a users account is accessed by a bad actor and used to transfer a payment  often called unauthorized transactions  and activity in which a user is fraudulently induced into transferring a payment to a bad actor  often referred to by XXXX and XXXX-participant banks as authorized transactions.\nSenators XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then sent letters to the seven big banks that own and operate XXXX parent company to determine the extent of the problems with illegal and fraudulent activity, and to determine how banks were helping consumers who lost money on the platform.\nAt nearly every turn, most of the big banks have stonewalled, refusing to provide the information requested by members of Congress. However, Senators XXXX XXXX XXXX finally obtained commitments from several of the banks CEOs that they would provide the information on XXXX to Congress during a Committee on Banking, Housing, and Urban Affairs hearing on XXXX XXXX XXXX\nOverall, the three banks that provided complete data sets  XXXX XXXX XXXX XXXX, and Truist  reported 35,848 cases of scams, involving over XXXX  million of payments in XXXX  and the first half of XXXX. In the vast majority of these cases, the banks did not repay the customers that reported being scammed. Overall these three banks reported repaying customers in only 3,473 cases (representing nearly 10% of scam claims) and repaid only XXXX XXXX  (representing 11.2% of payments).\nThe findings of this report reveal that fraud and theft on XXXX are widespread and growing, with consumers losing XXXX  each year. The banks that own and profit from the platform are failing to make their customers whole for both authorized and unauthorized fraudulent transactions, while refusing to release information publicly or to their customers that could help keep all consumers safe. Given this uncertain landscape and the banks abdication of responsibility, regulatory clarity is needed to further protect XXXX  users.\nThe CFPB has regulatory authority over peer-to-peer platforms including XXXX, and is reportedly considering issuing guidance to push banks to cover more fraudulently induced transactions, a move that would greatly improve consumer protections on peer-to-peer platforms like XXXX The agency should act to clarify and strengthen Regulation E and include fraud in the Regulations error resolution purview, increasing the responsibility of banks to keep XXXX safe and to ensure that consumers will be protected. The banks that created and profit off of XXXX should be pushed to protect their consumers from bad actors on their platform, and regulators should step in to ensure a fair and consistent process for everyone.\nFrom the report issued by the office of Senator XXXX XXXX, it is clear that the banks dont treat scam victims fairly, only 10% of scam victims get a compensation from the bank, while others just left suffering. Even more, banks keep getting their profit, while more and more people keep being scammed, hacked, simply saying, losing their hard-earned funds.\nAs it is mentioned in the report, such organizations as CFPB should issue a guidance in which it will be written how step-by step, financial institutions need to check each and every transaction that looks suspicious, especially those which are sent to a new payee (e.g., cryptocurrency platforms). In case if the financial institution doesnt follow these rules and their customer is scammed, it shouldnt be blamed only as a victims guilt. Financial institutions need to take their responsibility as well and provide their customer with a decent compensation.\n\nDesired outcome: Truist Bank has to put things into the right perspective for me by reversing the total amount of XXXX  USD paid to scammers as I have suffered a great loss because of this fraud, it had affected me personally, emotionally and financially. \n\n\nYours sincerely, \n\nXXXX XXXX","date_sent_to_company":"2023-01-24T12:46:36.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"20852","tags":null,"has_narrative":true,"complaint_id":"6482545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-01-24T12:41:22.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Customer Due Diligence\nPursuant to regulatory requirements, which became effective May 11, 2018, as part of their AML <em>Programs</em>, <em>certain</em> financial institutions (banks, broker-dealers, mutual funds, FCMs and IB-Cs) must implement formal risk-based CDD <em>programs</em> that include <em>certain</em> minimum elements, including customer identification and verification (under a Customer Identification <em>Program</em>), obtaining information about the nature and purpose of a customers account, ongoing monitoring of customer accounts"]},"sort":[9.35462,"6482545"]},{"_index":"complaint-public-v1","_id":"6695583","_score":9.331265,"_source":{"product":"Student loan","complaint_what_happened":"There is nothing in any of these Promissory Contracts that allows or permits AES/PHEAA to send as many notices as they want. Most of their employees become aggressive, angry, hateful, and vengeful towards me when I defend my rights. PHEAA is bound by Regulatory requirements which are being violated as pointed out in the previous complaint. My understanding of the signing of these Contracts was that one notice would be sufficient. PHEAA is stepping over the line by over-sending notices. PHEAA 's ignorance to the matter only subjugates their profound censorship of the truth. PHEAA is hereby put on notice to CEASE AND DESIST WITH ALL NOTICES ABOUT DELINQUENCY to both BORROWER AND COSIGNER. \n\nIn this Credit Agreement, the words I, me, my, and mine mean the person ( s ) who signed this Credit Agreement as Borrower and Cosigner. The words you, your, yours, and Lender mean XXXX XXXX  XXXX, its successors and assigns, and any other holder of this Credit Agreement. School means the school named at the top of the first page of this Credit Agreement. The servicer means the Lender or any entity it designates to service my loan. \nA. PROMISE TO PAY : I promise to pay to you the principal sum of the Loan Amount Requested shown on the first page of this Credit Agreement, to the extent it is advanced to me or paid on my behalf, and any Loan Origination Fee added to my loan ( see Paragraph F ) ( together the Principal Sum ), interest on such Principal Sum, interest on any unpaid interest added to the Principal Sum and late fees ( see Paragraph E.6 ).\n\nB. IMPORTANT READ THIS CAREFULLY : 1. When you receive my signed Credit Agreement, you are not agreeing to lend me money. If you decide to make a loan to me, you will electronically transfer the loan funds to the School for me, mail a loan check to the School for me, or mail a loan check directly to me. You have the right to not make a loan or to lend an amount less than the Loan Amount Requested. I agree to accept an amount less than the Loan Amount Requested and to repay that portion of the Loan Amount Requested that you actually lend to me along with interest and all other amounts I owe ( see Paragraph A ). \nYou have the right to disburse my loan through an agent. At your option, you may also make any loan check co-payable to me and the Cosigner or to me and the School.\n\n2. HOW I AGREE TO THE TERMS OF THIS LOAN. By signing this Credit Agreement, and submitting it to the Lender, I am requesting that you make this loan to me in an amount equal to the Loan Amount Requested plus any Loan Origination Fee described in Paragraph F of this Credit Agreement. If you approve this request and agree to make this loan, you will notify me in writing and provide me, as required by law, with one Disclosure Statement at the time of the first disbursement or a Disclosure Statement at the time of each disbursement. Each Disclosure Statement is incorporated herein by reference and made a part hereof. Each Disclosure Statement will tell me the amount of the loan that you have approved, the amount of the Loan Origination Fee, and other important information. I will let you know that I agree to the terms of the loan as set forth in this Credit Agreement and in each Disclosure Statement by doing either of the following : ( a ) endorsing or depositing the check that disburses the loan proceeds; or ( b ) allowing the loan proceeds to be used by or on behalf of the student Borrower without objection. Upon receipt of each Disclosure Statement, I will review it and notify you in writing if I have any questions. If I am not satisfied with the terms of my loan as disclosed in a Disclosure Statement that covers my entire loan amount, I may cancel my loan by giving you a written cancellation notice within ten ( 10 ) days after I receive the Disclosure Statement. If I am not satisfied with the terms of my loan as disclosed in a Disclosure Statement that covers only one of multiple disbursements of my loan, to cancel the disbursement covered by that Disclosure Statement, I will give you a written cancellation notice within ten ( 10 ) days after I receive the Disclosure Statement and I understand that unless I withdraw from the School or I or my School specifies otherwise, the cancellation of any disbursement will not cancel any future disbursements. Previous disbursements may not be canceled under any circumstances. I understand that I must repay, in accordance with the terms of this Credit Agreement, all amounts disbursed but not canceled. If loan proceeds have been disbursed, I agree that I will immediately return the canceled disbursement to you, will not endorse any check that disburses the loan proceeds to be canceled, and will instruct the School to return the canceled disbursement to you. If I give notice of cancellation but do not cause the return of the disbursement as stated above, the disbursement will not be canceled and I will be in default of this Credit Agreement. ( See Paragraph I. ) C. DEFINITIONS : 1. Disbursement Date means the date or dates on which you lend money to me in consideration for my Credit Agreement and will be the date ( s ) shown on any loan check you prepare or the date ( s ) you initiate any electronic funds transfer.\n\n2. The Deferment Period will begin on the first Disbursement Date and end on the Deferment End Date.\n\n3. Deferment End Date means the date specified below for the applicable loan program ( the applicable loan program is stated on the first page of this Credit Agreement ).\n\n( a ) Undergraduate Alternative Loan Program : If I have elected the Immediate Repayment option ( the applicable repayment option is stated on the first page of this Credit Agreement ), there is no Deferment Period, and my first payment will be 30-60 days after the final disbursement of my loan. If I have elected the Interest Only repayment option ( the applicable repayment option is stated on the first page of this Credit Agreement ), then interest payments will begin 30-60 days after the first disbursement of my loan, the Deferment End Date will be the date the student Borrower first graduates or ceases to be enrolled at least half-time in the School ( or another school participating in this loan program ), and principal and interest payments will begin 30-60 days after that date. In any event, if I have elected the Interest Only repayment option, the Deferment End Date will be no more than 5 years after the first Disbursement Date. If I have elected the Full Deferral repayment option ( the applicable repayment option is stated on the first page of this Credit Agreement ), then the Deferment End Date will be 180 days after the date the student Borrower first graduates or ceases to be enrolled at least half-time in the School ( or another school participating in this Loan Program ). In any event, if I have elected the Full Deferral repayment option, the Deferment End Date will be no more than 5 years after the first Disbursement Date. For borrowers who chose the Interest Only or full Deferral repayment options, joint and serial ( associates to bachelors ) degree recipients may continue in-school deferment while completing their second degree, up to the 5-year or 5 -year maximum. Regardless of the repayment option I chose and after the Deferment End Date, this loan may be eligible upon written request for deferment periods of up to five ( 5 ) years total ( Additional Deferment ) as long as the student Borrower is enrolled at least half time to complete an undergraduate or graduate degree ( at a school participating in this loan program ) or begins a medical internship or residency program. The Servicer may treat any notice of a revised graduation date or of new enrollment as my written request for Additional Deferment. You will capitalize ( see Paragraph D.3 ) accrued and unpaid interest as of the end of each deferment period. All such capitalized interest shall be repaid with the principal balance.\n\n( b ) Graduate Professional Education Loan Program : The Deferment End Date will be 180 days after the student Borrower graduates or ceases for any other reason to be enrolled at least half-time in the School ( or another school participating in this Loan Program ), but no more than 4 years after the first Disbursement Date ; provided, however, that if the student Borrower begins a medical residency or internship during the Deferment Period, then the Deferment Period will end 180 days after the day the residency or internship ends, but no more than 8 years after the first Disbursement Date.\n\n( c ) Health Professions Education Loan Program : The Deferment End Date will be 270 days after the student Borrower graduates or ceases for any other reason to be enrolled at least half-time in the School ( or another school participating in this Loan Program ), but no more than 6 years after the first Disbursement Date ; provided, however, that if the student Borrower begins a medical residency or internship during the Deferment Period, then the Deferment Period will end 270 days after the day the residency or internship ends, but no more than 10 years after the first Disbursement Date.\n\n( d ) Residency Loan Program : The Deferment End Date will be 270 days after the student Borrower ceases for any reason to be enrolled in a medical residency or internship, but no more than 4 years after the Disbursement Date.\n\n4. The Repayment Period begins the day after the Deferment Period ends. If there is no Deferment Period for my loan, the Repayment Period will begin when my loan is fully disbursed. The Repayment Period is 20 years ( 25 years for loans with a Principal Sum of {$40000.00} or more ) unless monthly payments equal to the minimum monthly payment amount ( See Paragraph E.2 ) will repay all amounts owed in less than 20 years, in which case the Repayment Period will be the number of months necessary to pay in full the amount I owe at the minimum payment. Additional Deferment ( See Paragraph C ( 3 ) ( a ) ) will not extend the Repayment Period.\n\nD. INTEREST : 1. Accrual Beginning on the first Disbursement Date, interest will be calculated at the Variable Rate ( Paragraph D.2 ) and charged on the Principal Sum, and on any unpaid interest later added to the Principal Sum according to Paragraph D.3 . During the Repayment Period, interest will be calculated at the Variable Rate and charged on the outstanding balance of this Credit Agreement until all amounts are paid in full.\n\nInterest will be calculated on a daily simple interest basis. The daily interest rate will be equal to the annual interest rate in effect on that day, divided by the number of days in that calendar year.\n\n2. Variable Rate The Variable Rate is equal to the Current Index plus a Margin.\n\nThe Margins for both the Deferment Period and the Repayment Period are shown on the first page of this Credit Agreement. In no event will the Variable Rate exceed the maximum interest rate allowed by the laws of the Commonwealth of Pennsylvania. \nThe Variable Rate will change quarterly on the first day of each XXXX, XXXX, XXXX and XXXX ( the Change Date ( s ) ) if the Current Index changes. The Current Index for any calendar quarter beginning on a Change Date ( or for any shorter period beginning on any Disbursement Date and ending on the last day of a calendar quarter ) is based on the one-month London Interbank Offered Rate ( LIBOR ) as published in the Money Rates section of The XXXX XXXX XXXX ( XXXX XXXX ). The index for each calendar quarter ( or for any shorter period beginning on a Disbursement Date and ending on the last day of a calendar quarter ) will equal the average of the LIBOR rates published on the first business day of each of the three ( XXXX ) immediately preceding calendar months, rounded to the nearest one-hundredth of one percent ( 0.01 % ). If The XXXX XXXX XXXX ( XXXX XXXX ) is not published or the Current Index is not given on any of these dates, then the Current Index will be determined by using the immediately preceding published Current Index for such date. If the Current Index is no longer available, you will choose a comparable index. \nXXXX. Capitalization If I have elected the Full Deferral repayment option, I understand that you will add all accrued and unpaid interest to the principal balance of my loan ( capitalize interest ) as of the last day of the Deferment Period. In addition, if my loan will be disbursed in multiple disbursements and if I have elected the Immediate Repayment option, you will capitalize interest that accrues between the first disbursement of my loan and the final disbursement of my loan. I understand that regardless of the repayment option I chose, you will capitalize interest at the end of any forbearance period. In all cases, the sum of interest you capitalize plus the thenoutstanding principal balance is thereafter considered the principal balance, and interest will accrue on the new principal balance. \n{ XXXX } XXXX XXXX of XXXX XXXX TERMS OF REPAYMENT : XXXX. Deferment Period If I have elected either the Interest Only repayment option or the Full Deferral repayment option ( the applicable repayment option is stated on the first page of this Credit Agreement ), you will send statements during the Deferment Period ( showing the total outstanding principal balance of my loan and the interest that has accrued on my loan ). You reserve the right to send statements or notices to either the Borrower or the Cosigner. Statements will be sent to the address shown on your records. If I have elected the Interest Only repayment option, I agree to make payments each month during the Deferment Period equal to the accrued interest on the outstanding balance of this Credit Agreement. If I have elected the Full Deferral repayment option I may, but am not required to make payments during the Deferment Period. You will add any interest that I do not pay during the Deferment Period to the principal balance, as described in Paragraph D.3.\n\n2. Repayment Period The amount of my monthly payment ( Monthly Payment Amount ) will be established based on the rules in this Credit Agreement when my Repayment Period begins. During the Repayment Period, you will send me monthly statements that show the Monthly Payment Amount and the payment due dates, and I will pay the Monthly Payment Amount shown on my monthly statement, which amount will in no event be less than {$25.00} or the unpaid balance, whichever is less. I understand that the Monthly Payment Amount is due each month. I may pay more than my Monthly Payment Amount at any time without penalty or charge. If my loan is in paidahead status, I may, but will not be required to make monthly payments. You reserve the right to send monthly statements to the Borrower and/or the Cosigner. Even if I do not receive monthly statements, I will make consecutive monthly payments in amounts at least equal to the Monthly Payment Amount by the applicable payment due dates until I have paid all of the principal and interest and any other charges I may owe under this Credit Agreement.\n\n3. Repayment Terms- My Monthly Payment Amount will be calculated as of the day the Repayment Period begins ( Repayment Date ). It will be recalculated ( a ) once each year prior to the anniversary of the Repayment Date, ( b ) if the Variable Rate changes between anniversaries of the Repayment Date to the extent that the Monthly Payment Amount would not pay in full the accrued monthly interest on my loan, ( c ) following any subsequent deferment or forbearance period or ( d ) following any request by the Borrower to the servicer to change the monthly payment due date ( each of which events is a new Repayment Date ). As of any Repayment Date, my Monthly Payment Amount will be recalculated. My new Monthly Payment Amount will be disclosed to me by the servicer. The new Monthly Payment Amount will equal the amount necessary to pay in full, over the number of months remaining in the Repayment Period, the amount I owe in equal monthly installments of principal and interest at the Variable Rate in effect at the time of the calculation. I understand that this may result in a reduction or increase in my monthly payment as calculated as of each Repayment Date. I understand that during the Repayment Period ( and, if I have elected the Interest Only repayment option, during the period of interest payments ) the servicer may change the monthly payment due date of future payments to a later date for the convenience of the servicer in processing payments or in order to coordinate the due dates of all of my loans processed by the servicer.\n\n4. Amounts Owing at the End of the Repayment Period Since interest accrues daily upon the unpaid principal balance of my loan, if I make payments after my payment due dates, I may owe additional interest. If I have not paid my late fees, I will also owe additional amounts for those late fees. In such cases you will increase the amount of my last monthly payment to the amount necessary to repay my loan in full.\n\n5. Payments Payments will be applied first to late fees, other fees and charges, accrued interest, and the remainder to principal.\n\n6. Other Charges - If any part of a monthly payment remains unpaid for a period of more than 15 days after the payment due date, I will pay a late fee not exceeding {$5.00} or 5 % of the overdue payment amount, whichever is less. To the extent permitted by law, I agree to pay you all amounts you incur in enforcing the terms of this Credit Agreement, including reasonable collection agency and attorney 's fees and court costs and other collection costs.\n\nF. LOAN ORIGINATION FEE : If you charge me, I will pay you a Loan Origination Fee at the time my loan is disbursed. The dollar amount of any Loan Origination Fee will be determined by multiplying the Principal Sum times the Loan Origination Fee Percentage shown on the first page of this Credit Agreement. The percentage would be higher if computed only on the amount advanced rather than on the entire Principal Sum ( Loan Origination Fee plus the loan Amount advanced ). For example, a nominal Loan Origination Fee of 6.5 % on the entire principal amount would equal 6.9519 % of the amount advanced. The Loan Origination Fee I will pay, if any, will be shown on my Disclosure Statement and included with the Principal Sum. To the extent permitted by law, and unless I timely cancel a disbursement ( see Paragraph B.2 ), I will not be entitled to a refund of any Loan Origination Fee relating to that disbursement.\n\nG. RIGHT TO PREPAY : I have the right to prepay all or any part of my loan at any time without penalty.\n\nH. FORBEARANCE : If I am unable to repay my loan in accordance with the terms established under this Credit Agreement because of a hardship such as financial or medical difficulty, I may request that you modify these terms. I understand that such modification would be at your option. I understand that I will remain responsible for all interest accruing during any period of forbearance and that you will add any interest that I do not pay during any forbearance period to the principal balance, as described in Paragraph D.3.\n\nI. WHOLE LOAN DUE : To the extent permitted by applicable law, I will be in default and you have the right to give me notice that the whole outstanding principal balance, accrued interest, and all other amounts payable to you under the terms of this Credit Agreement, are due and payable at once ( subject to any applicable law which may give me a right to cure my default ) if : ( 1 ) I fail to make any monthly payment to you when due, ( 2 ) I die, ( 3 ) I break any of my other promises in this Credit Agreement, ( 4 ) any bankruptcy proceeding is begun by or against me, or I assign any of my assets for the benefit of my creditors, or ( 5 ) I make any false written statement in applying for this loan or any other loan or at any time during the Deferment or Repayment Periods. If I default, I will be required to pay interest on this loan accruing after default. The interest rate after default will be subject to adjustment in the same manner as before default.\n\nTo the extent permitted by applicable law, upon default, you may also capitalize any interest and fees ( i.e., add accrued and unpaid interest and fees to the principal balance ), and increase the Margin used to compute the Variable Rate by two percentage points ( 2 % ).\n\nJ. NOTICES : 1. I will send written notice to you, any subsequent holder of this Credit Agreement, and the servicer within ten days after any change in name, address, or enrollment status ( for example, if the Borrower withdraws from the School or transfers to another school participating in this loan program ).\n\n2. Any notice required to be given to me by you will be effective when mailed by first class mail to the latest address you have for me. Unless required by applicable law, you need not give a separate notice to the Cosigner.\n\nK. INFORMATION : 1. I must update the information I provided to you whenever you ask me to do so.\n\n2. I authorize you from time to time to request and receive from others credit related information about me ( and about my spouse if I live in a community property state ).\n\n3. CREDIT BUREAU REPORTING You may report information about my account to credit bureaus. Late payments, missed payments, or other defaults in my account may be reflected in my credit report.\n\nI understand that the reporting of information about my account to credit bureaus may adversely affect my credit rating and my ability to obtain other credit. You may also provide the School with certain personally-identifiable information about me ( such as my Social Security Number and my Loan ID number ) and report the status of my loan and my payment history, including information about a late payment, missed payment or other defaults, to the School and others in accordance with applicable law.\n\nL. ADDITIONAL AGREEMENTS : 1. I understand that you are located in Pennsylvania and that this Credit Agreement will be entered into in the same state. CONSEQUENTLY, THE PROVISIONS OF THIS CREDIT AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND THE LAWS OF THE COMMONWEALTH OF PENNSYLVANIA, WITHOUT REGARD TO CONFLICT OF LAW RULES.\n\n2. The proceeds of this loan will be used only for my educational expenses at the School. The Cosigner will not receive any of the loan proceeds.\n\n3. My responsibility for paying the loan evidenced by this Credit Agreement is unaffected by the liability of any other person to me or by your failure to notify me that a required payment has not been made. Without losing any of your rights under this Credit Agreement you may accept ( a ) late payments, ( b ) partial payments or ( c ) payments marked paid in full or with other restrictions. You may delay, fail to exercise, or waive any of your rights on any occasion without losing your entitlement to exercise the right at any future time, or on any future occasion. You will not be obligated to make any demand upon me, send me any notice, present this Credit Agreement to me for payment or make protest of non-payment to me before suing to collect on this Credit Agreement if I am in default, and to the extent permitted by applicable law, I hereby waive any right I might otherwise have to require such actions.\n\nI WILL NOT SEND YOU PAYMENTS MARKED PAID IN FULL, WITHOUT RECOURSE OR WITH OTHER SIMILAR LANGUAGE UNLESS THOSE PAYMENTS ARE MARKED FOR SPECIAL HANDLING AND SENT TO THE ADDRESS IDENTIFIED FOR SUCH PAYMENTS ON MY BILLING STATEMENT, OR TO SUCH OTHER ADDRESS AS I MAY BE GIVEN IN THE FUTURE.\n\n4. I may not assign this Credit Agreement or any of its benefits or obligations. You may assign this Credit Agreement at any time.\n\n5. The terms and conditions set forth in this Credit Agreement and the Disclosure Statement constitute the entire agreement between you and me.\n\n6. If any provision of this Credit Agreement is held invalid or unenforceable, that provision shall be considered omitted from this Credit Agreement without affecting the validity or enforceability of the remainder of this Credit Agreement.\n\n7. A provision of this Credit Agreement may only be modified if jointly agreed upon in writing by you and me. Any modification will not affect the validity or enforceability of the remainder of this Credit Agreement.\n\n8. To the extent permitted by law, you have the right to apply money from any of my deposit account ( s ) with you to pay all or a portion of any amount overdue under this Credit Agreement. I hereby authorize you to obtain from the School all amounts which may be owed to me by the School, including any refund due to overpayment, early termination of enrollment, or otherwise.\n\n9. If this Credit Agreement is executed by more than one Borrower, each Borrower agrees that any communication between you and any of the Borrowers will be binding { W0491750.1 } PC.06-07.CSX1.10SC.0306 5 of 6 on all of the Borrowers. I intend to be treated as a principal of this Credit Agreement and not as a surety. To the extent I may be treated as a surety, I waive all notices to which I might otherwise be entitled as such by law, and all suretyship defenses that might be available to me ( including, without limitation, contribution, subrogation and exoneration ). I agree that the Borrower may agree to any forbearance or other modification of the repayment schedule and that such agreement will be binding on me. It shall not be necessary for you to resort to or exhaust your remedies against the borrower before calling upon me to make repayment. For purposes of this paragraph only, I and me refer to the Cosigner only.\n\n10. All dollar amounts stated in this Credit Agreement are in United States dollars. I will make all payments in United States Dollars with no deduction for currency exchange.\n\n11. If the student Borrower fails to complete the education program paid for with this loan, the Cosigner and I are not relieved of any obligation within or pursuant to this Credit Agreement.\n\n12. I understand and agree that this loan is an education loan and certify that it will be used only for costs of attendance at the School. I acknowledge that the requested loan is subject to the limitations on dischargeability in bankruptcy contained in Section 523 ( a ) ( 8 ) of the United States Bankruptcy Code because either or both of the following apply : ( a ) this loan was made pursuant to a program funded in whole or in part by The Education Resources Institute , Inc.\n\n( \" TERI '' ), a non-profit institution, or ( b ) this is a qualified education loan as defined in the Internal Revenue Code. This means that if, in the event of bankruptcy, my other debts are discharged, I will probably still have to pay this loan in full.\n\n13. I authorize any school that I may attend to release to you, and any other persons designated by you, any requested information pertinent to this loan ( e.g., enrollment status, prior loan history, and current address ).\n\n14. I authorize the Lender, any subsequent holder of this Credit Agreement, and their agents to : ( 1 ) advise the School of the status of my application and my loan, ( 2 ) respond to inquiries from prior or subsequent lenders or holders with respect to my Credit Agreement and related documents, ( 3 ) release information and make inquiries to the persons I have given you as references, for the purposes of learning my current address and telephone number, ( 4 ) check my credit and employment history and to answer questions about their credit experience with me, and ( 5 ) disclose to TERI, the Borrower, and/or the Cosigner either in connection with this transaction or any future transaction all information ( including status information and non-public personal information ) of the Borrower and/or the Cosigner provided in connection with this Credit Agreement. If in the future I apply for a loan that is guaranteed by TERI and funded by another lender, I also authorize the sharing of application information for this loan ( other than information in a consumer report ) with the other lender and TERI and the reuse of such information by such new lender and TERI in my new application.\n\n15. Waiver by Lender : You waive ( give up ) any right to claim a security interest in any property to secure this Credit Agreement. This does not affect any right to offset as a matter of law.\n\n16. If I fax my signature ( s ) on the first page of this Credit Agreement back to you and keep the copy I signed, I understand that under federal law the fax you receive will be an original of the first page of this Credit Agreement. You and I agree that all copies of this Credit Agreement ( including the fax you receive and the copy I retain ), taken together, shall constitute a single original agreement.\n\n17. If any Borrower or Cosigner elects to sign electronically an electronic record of this Credit Agreement, then the following will apply as between Lender and such person : ( a ) Lender will keep a non-modifiable electronic record of this document and provide a copy to me upon request, ( b ) I can and have downloaded and/or printed a copy of this document for my records or notified the Lender to mail me a copy of this document, and ( c ) the Lenders electronic record of this document and any printout from that record shall be an original for all purposes, including any lawsuit to collect amounts that I owe. If I physically sign a copy of this document that has been electronically signed by any other Cosigner or Borrower, as between me and the Lender the copy I sign ( and any fax of that copy I may send to Lender ) will be an original. However, the electronic signature of another party to this Credit Agreement and the Lenders electronic record of this document containing that signature will be as valid against me as an original, physical document that is physically signed by all parties.\n\n18. If applicable for my loan program, the Cosigner may be released from all obligations hereunder if ( a ) the Lender ( or its agent ) receives full payment for each of the first 48 consecutive principal and interest payments on or before their respective due dates under this Credit Agreement, ( b ) the Cosigner makes a request for such release to the Lender ( or its agent ) within ninety ( 90 ) days of making the 48th such payment, and ( c ) the Borrower meets the Lender 's and TERI 's credit criteria then in effect for cosigner release under this Credit Agreement.\n\nM. DISCLOSURE NOTICES ALL APPLICANTS : IMPORTANT FEDERAL LAW NOTICE Important information about procedures for opening a new account : To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.\n\nWhat this means for you : When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your drivers license or other identifying documents.","date_sent_to_company":"2023-03-14T16:20:22.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"178XX","tags":null,"has_narrative":true,"complaint_id":"6695583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2023-03-14T16:03:58.000Z","state":"PA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["The Variable Rate will <em>change</em> quarterly on the first day of each XXXX, XXXX, XXXX and XXXX ( the <em>Change</em> Date ( s ) ) if the Current Index <em>changes</em>. The Current Index for any calendar quarter beginning on a <em>Change</em> Date ( or for any shorter period beginning on any Disbursement Date and ending on the last day of a calendar quarter ) is based on the one-month London Interbank Offered Rate ( LIBOR ) as published in the Money Rates section of The XXXX XXXX XXXX ( XXXX XXXX )."]},"sort":[9.331265,"6695583"]},{"_index":"complaint-public-v1","_id":"4102366","_score":9.326455,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This was sent to me : We're making the following changes to your Cardmember Agreement as described below. We're changing fees, the minimum payment and Penalty Annual Percentage Rate ( APR ) on your account to standardize terms for cardmembers who have the same type of account. We are also updating the description of the My Chase PlanSM Fee, and making changes to these sections of the Cardmember Agreement : Amendments, Cash-like Transactions, My Chase PlanSM, and Interest-Free Period. All changes take effect XX/XX/2021. \n\nRejecting changes : You have the right to reject the changes in the Revised Terms table ( excluding the new My Chase Plan Fee ), but you must contact us by XX/XX/2021 if you want to do this. Call us at XXXX or write to us at Cardmember Services, XXXX XXXX XXXX, XXXX, DE, XXXX. We accept operator relay calls. If you reject these changes, we will close your account and you will not be able to use it for new transactions. You will still be responsible for making monthly payments until your balance is paid in full. \n\nDetails on the Changes to Your Account Effective XX/XX/2021 : 1. Your Cardmember  Agreement Rates and Fees Table is amended as follows : Revised Terms as of XX/XX/2021 Penalty APR and When It Applies Up to 29.99 %. This APR will vary with the market based on the Prime Rate.c We may apply the Penalty APR to your account if you : fail to make a Minimum Payment by the date and time that it is due ; or make a payment to us that is returned unpaid. \n\nHow Long Will the Penalty APR Apply? : If we apply the Penalty APR for either of these reasons, the Penalty APR could potentially remain in effect indefinitely. \nMy Chase PlanSM Fee ( fixed finance charge ) Monthly fee of 1.72 % of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full. \nLate Payment Fee Up to {$40.00} Return Payment Fee Up to {$40.00} c Penalty APR : We add up to 26.99 % to the Prime Rate to determine the Penalty APR. Maximum APR 29.99 %. Variable APRs are based on the highest U.S. prime rate published in the Money Rates section of The XXXX XXXX XXXX two business days ( not weekends or federal holidays ) before your statement closing date. The U.S. prime rate is currently 3.25 % as of XX/XX/2021. The daily periodic rate is 0.08217 %. \nAdditional Information About These Changes My Chase Plan Fee : The My Chase Plan Fee is calculated at the time each plan is created and is based on the amount of each purchase transaction or amount selected to create the plan, the number of billing periods you choose to pay the balance in full, and other factors. The monthly and aggregate dollar amount of your My Chase Plan Fee will be disclosed during the activation of each My Chase Plan. \n\nPenalty Fees ( Late Payment Fee and Return Payment Fee ) : A single violation of each type will not exceed {$29.00}. However, if another violation of the same type occurs within six monthly billing periods, we will charge up to the maximum fee in the table above. The Late Payment and Return Payment fees will not exceed the related minimum payment that was due.\n\n2. The description of Minimum Payment found under your Cardmember  Agreement Rates and Fees Table is changed to read as follows : Minimum Payment : We will calculate the minimum payment as : Any past-due amounts ; PLUS Any special payment obligations in connection with Flexible Financing Offers which require repayment of the balance over a pre-selected number of billing periods ; PLUS The larger of : {$40.00} ( or total amount you owe if less than {$40.00} ) or The sum of : 1 % of the new balance ( excluding any Flexible Financing Offer balances which require special payment obligations to ensure repayment of the balance over a pre-selected number of billing periods ), PLUS any periodic interest charges and late fees we have billed you on the statement for which your minimum payment is calculated. \n3. Getting Started : Your Account \" What It Means to You '' for the Amendments section within the Getting Started : Your Account section of your Cardmember  Agreement is amended to include a reference to Penalty APR, as follows : We may change the terms of this agreement including APRs and fees from time to time. We may also add new terms or delete terms. APRs or other terms may also change without amendment, for example when the Prime Rate changes or the Penalty APR becomes applicable. See the Variable APR and Penalty APR sections for details. \n\n\" Our Responsibility '' for the Amendments section within the Getting Started : Your Account section of your Cardmember  Agreement is amended to include a reference to delivery of amendments, as follows : Our ability to make changes to this agreement is limited by applicable law. We may communicate amendments to this agreement to you via mail, email or other electronic means, or included in your monthly billing statements as permitted by law. \n\n4. Important Definitions The \" Cash-like Transactions '' section within the Important Definitions section of your Cardmember  Agreement is replaced to clarify and expand the definition as follows : TERM WHAT IT MEANS Cash-like Transactions Cash-like transactions will be treated as cash advances. Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted : purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions ; purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions ; person-to-person money transfers and account-funding transactions that transfer currency ; and making a payment using a third party service including bill payment transactions not made directly with the merchant or their service provider. \n5. Using Your Card The introduction to the Using Your Card section of your Cardmember Agreement is amended as follows : You can use your account in the following ways. Your account is to be used only for personal, family or household purposes. You can not use your account for illegal purposes, such as writing checks against uncollected funds. You agree that we may rely on information provided to us by merchants and the applicable payment network to categorize transactions as Purchases, Balance Transfers or Cash Advances. \n\nThe \" My Chase Plan '' section within the Using Your Card section of your Cardmember Agreement is updated as follows : TRANSACTION WHAT IT MEANS TO YOU OUR RESPONSIBILITY My Chase PlanSM If eligible, you may use the My Chase Plan feature through Chase.com or the Chase Mobile App to create, from recent eligible purchase transactions or eligible amounts, a My Chase Plan balance with set repayment terms, subject to the My Chase Plan Fee. From the available offers, you select how many billing periods it will take to pay the My Chase Plan balance in full by making regular payments each monthly billing period. For each billing period during which there is a balance in the My Chase Plan, you will be charged the My Chase Plan Fee, rather than interest under the Purchase APR. \n\nAn eligible purchase transaction for My Chase Plan is a purchase of at least a specified dollar amount but may not include certain purchase transactions, such as cash-like transactions and any fee owed to us, including Annual Membership Fees. An eligible amount for My Chase Plan is a portion of your account balance, as specified from time to time within the My Chase Plan experience. Cash advance, balance transfer and My Chase Loan transactions are not eligible for My Chase Plan.\n\nYour ability to create a My Chase Plan balance is based on a variety of factors, such as your creditworthiness, your credit limit, and your account behavior. You will not be able to create a My Chase Plan balance if you enroll in a debt management program or if your account is closed or in default. \n\nWhen you have a My Chase Plan balance on your account, we will not charge you interest on new purchases if you pay your entire Interest Saving Balance by the due date each month. At our discretion, we may make My Chase Plan available to you ; we may decline a My Chase Plan transaction for any reason.\n\n6. Paying Us Back The \" Interest-Free Period ( also called Grace Period ) on Purchases '' section within the Paying Us Back section of your Cardmember Agreement is amended to clarify the definition as follows : IMPORTANT INFORMATION WHAT IT MEANS TO YOU OUR RESPONSIBILITY Interest-Free Period ( also called Grace Period ) on Purchases When your account is in an interest-free period, interest is not charged on new purchases.\n\nYour account is in an interest-free period when you have paid the New Balance or Interest Saving Balance shown on your most recent billing statement by the due date and time.\n\nIf you do not pay the New Balance or Interest Saving Balance shown on your most recent billing statement by the due date and time, you will lose your interest-free period and we will charge interest on your purchases. \nYou can regain the benefit of the interest-free period by paying your New Balance or Interest Saving Balance by the due date and time.\n\nAfter you enter an interest-free period again, interest charges on purchases may still appear on your next billing statement. This reflects interest charged from the beginning of that billing cycle through the date that your payment for the prior billing statement was received. \nBalance Transfers, Checks and Cash Advances do not have an interest-free period and if these balances are not paid in full by paying your New Balance or Interest Saving Balance by the due date and time, you will lose your interest-free period on new purchases. \nWhen your account is in an interest-free period, we will not charge you interest on new purchases. \nWhen your account is not in an interest-free period, we will charge you interest on your purchases from the date the purchases appear on your account until your New Balance or Interest Saving Balance is paid in full.\n\nFor more details about how we calculate your interest charges, see the Interest Charges section of this agreement.\n\n7. How to Avoid ...\n\nThe \" How to Avoid '' section of your Cardmember Agreement is amended to include a new section for Penalty APR, as follows : \" HOW TO AVOID ... '' WHAT TO DO WHAT IT MEANS Penalty APR Do Not : Fail to make a Minimum Payment by the date and time that it is due ; or Make a payment to us that is returned unpaid. \nWe can apply the Penalty APR, which is higher than the APR you would otherwise pay, for either of these reasons.\n\nPenalty APR on New Transactions : If you fail to make a Minimum Payment by the date and time that it is due, but you make the payment within 60 days of that due date, we may apply the Penalty APR. We also may apply the Penalty APR if you make a payment to us that is returned unpaid. In either instance, the Penalty APR will apply to new transactions. After we apply the Penalty APR, we will review your account from time to time to see if a reduction in the APR is appropriate.\n\nPenalty APR on outstanding balances and new transactions : If we do not receive the Minimum Payment within 60 days of the date and time that it is due, then we also may apply the Penalty APR. If we apply it in this instance, the Penalty APR will apply to all existing balances on your account and new transactions. If you make six consecutive minimum payments when due beginning with your first payment due after we apply the Penalty APR, then the Penalty APR will no longer apply. If you do not make six consecutive minimum payments when due beginning with your first payment due after we apply the Penalty APR, then the Penalty APR could remain in effect indefinitely. After we apply the Penalty APR, we will review your account from time to time to see if a reduction in the APR is appropriate.\n\nAmendment to your Cardmember Agreement : The changes described in this notice amend your Cardmember Agreement and replace the corresponding terms that currently apply. Any terms of your account not described in this notice continue to apply. \n\nABOUT THIS MESSAGE This service message gives you updates and information about your Chase relationship. \n\nThis email was sent from an unmonitored mailbox. Go to chase.com/CustomerService for options on how to contact us. \n\nYour privacy is important to us. See our online Security Center to learn how to protect your information. \n\nChase Privacy Operations XXXX. XXXX XXXX, XXXX XXXX, TX XXXX. \n\n2021 JPMorgan Chase & Co . \nXXXX Reply Reply All Forward Why are credit card companies permitted to charge a ridiculous amount of interest and now want to charge a monthly fee. Total blackmail agree or we close your account.","date_sent_to_company":"2021-01-29T09:34:27.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"439XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4102366","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-01-29T04:07:56.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["You will not be able to create a My Chase Plan balance if you enroll in a debt management <em>program</em> or if your account is closed or in default. \n\nWhen you have a My Chase Plan balance on your account, we will not charge you interest on new purchases if you pay your entire Interest Saving Balance by the due date each month. At our discretion, we may <em>make</em> My Chase Plan available to you ; we may decline a My Chase Plan transaction for any reason.\n\n6."]},"sort":[9.326455,"4102366"]},{"_index":"complaint-public-v1","_id":"12028314","_score":9.192144,"_source":{"product":"Mortgage","complaint_what_happened":"As of today's date, I have not heard from Wells Fargo regarding if I'm impacted by the CFPB settlement. From XXXX XXXX XXXX I attempted XXXX loan modifications and was declined/denial every time followed by XXXX foreclosure notifications.   foreclosure and bankruptcy financially have ruined my credit. I'm seeking recovery of all damages available under the law including compensatory and punitive damages as well as attorney fees and costs. HAMP required mortgage Wells Fargo the mortgage servicer to offer loan modifications to borrowers who met certain threshold requirements. These modifications would lower a borrowers mortgage payments to a manageable \nlevel (typically XXXX  percent of the borrowers monthly income) and allow the borrower to avoid foreclosure. Unfortunately, this did not happen. However, Wells Fargo, because of an alleged faulty calculation failed to offer a loan modification. Instead, Wells Fargo needlessly tried to foreclose on my Home. Wells Fargo has attempted to cast its conduct here as resulting from a faulty calculation. However, Wells Fargos problem goes much deeper than a single miscalculation. Wells Fargos conduct here reflects the same type of extreme and outrageous conduct that has embroiled Wells Fargo in a string of public scandals. This software determined customers eligibility for a \ngovernment-mandated mortgage modification during a time of extreme financial distress. Its importance to these customers lives cannot be overstated. Yet Wells Fargo not only failed to verify that its software was correctly calculating whether customers met threshold requirements for a mortgage modification, it also failed to regularly and properly audit the software for compliance with government requirements - allowing life-changing errors to remain uncorrected for years on end.\n\nWells Fargo Admits Loan Modification Error, Wrongfully Foreclosed on Homes\nA quarterly filing with the Securities & Exchange Commission in August XXXX revealed that Wells Fargo made an error in denying mortgage modifications to hundreds of borrowers. The securities filing says that Wells Fargo discovered a calculation error in its automated software for calculating whether a borrower should be offered more favorable loan terms instead of foreclosure. Wells Fargo says the error affected XXXX homes that were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX.\nIn XXXX XXXX Wells Fargo revised its estimate, announcing that the miscalculation affected XXXX homes that were going through foreclosure between XX/XX/XXXX, andXX/XX/XXXX.\nAs Wells Fargo explains, two federal government programs require Wells Fargo and other lenders to offer loan modifications to keep people in their homes when they are in default, rather than going through the expensive process of foreclosure. Wells Fargo did not comply with this law, it says, due to a software glitch that affected XXXX  mortgages that were in default. Ultimately, XXXX homes were foreclosed on, when a mortgage modification should have been offered, according to Wells Fargos disclosures.\nSenators Agree: Wells Fargo Computer Glitch Compensation Program Is Inadequate to Repair Damage from Wrongful Foreclosure\nWells Fargo says it has set aside XXXX million to remediate the wrongful disclosures caused by the software miscalculation. Split amongst the XXXX people, Wells Fargo says it wrongfully foreclosed on, which would amount to only about XXXX per person. But reportedly, the checks Wells Fargo is sending out are lower than that. Wells Fargo is telling people they can go to mediation if they want more money.\nSenator XXXX XXXX  said of Wells Fargos remediation plan: Setting aside a few thousand dollars for each of the people affected. Pathetic. According to Senator XXXX who sits on the Senate Banking Committee, Wells Fargos remediation plan does not offer nearly enough to compensate for the devastating ripple effect a foreclosure can have, including the stress and trauma of losing ones home, related health problems, and destroy[ing] peoples credit. Senator XXXX continued:\nIt is hard to imagine how Wells Fargos estimate of XXXX million for remediation would come close to remunerating impacted customers.\n\nList of Challenges and Issues Ive had with Wells Fargo over the last XXXX  years. Starting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I entered a XXXX XXXX XXXX XXXX XXXX  This loan was predatory. A predatory loan is a fraudulent and unfair, deceptive, or abusive loan that can trap borrowers in debt. Predatory lenders often target people who are in financial need. \nDue to the nature of the pick-a-payment loan, the monthly payment increased to an amount that I could not pay so I ended up filing for Bankruptcy in XXXX to remain in my home. In XXXX XXXX XXXX fell as a bank due to pick-a-payment loans and was acquired by XXXX In XXXX XXXX  was acquired by Wells Fargo as it also fell due to pick-a-payment loans. In XXXX XXXX XXXX my bankruptcy was discharged, and as such XXXX  issued a 1099c stating my debt had been canceled and that I was no longer responsible for the debt. However, my loan with XXXX was never reaffirmed nor was the lien released. However, the security deed was not updated to reflect any changes to my loan. \n\nIn XXXX I was given a loan modification by XXXX and issued another 1099c also cancellation of debt.  Also, in XXXX  I was given another modification by Wells Fargo but not issued a 1099c. In XXXX I was given another modification but this time I was but into a XXXXyear loan and Wells Fargo updated the security deed to reflect the new loan amount and to show Wells Fargo as the lien holder.    \n\nXXXX  Wells Fargo increased my mortgage to XXXXyear loan. They Modified my mortgages and told me if I dont agree with the XXXX-year term, I will most likely lose my home to foreclosure. \nAfter signing the XXXX-year loan modification I later found out Wells Fargo added a XXXX mortgage (stealth modification).\nAs the country tried to crawl out of the last recession, homeowners across America sought mortgage modifications to make their home loans more manageable. However, some homeowners say that Wells Fargo not only modified their loans without asking but that this lower rate added years  perhaps decades  to the terms of their mortgages. Wells Fargo has once again found itself in the middle of a growing scandal, as the bank faces accusations of making unauthorized changes to the mortgage loans held by customers who have entered bankruptcy.\nThis issue came to light after multiple homeowners sued the bank, claiming it had changed the terms of their mortgages without permission. While its unclear just how many of these modifications Wells Fargo has made, at least seven lawsuits, including one potential class-action complaint, have been filed against the bank.\nThe class-action lawsuit [PDF], filed in a federal court in North Carolina, accuses the bank of making at least three improper modifications to one couples mortgage beginning in XXXX. The couple filed for XXXX XXXX bankruptcy, which allows people to reorganize their finances while they work toward getting out of debt, in XXXX XXXX. According to the complaint, they were surprised to find in XXXX XXXX that Wells Fargo had filed a stealth modification to their mortgage even though their bankruptcy plan had been approved by the court.\nAny modifications to a bankruptcy plan must be approved by the court and those involved in the case. However, in this case, the couple claims they never agreed to allow Wells Fargo to change their loan terms. The filed modification, which was part of a loan modification trial process at Wells Fargo, lowered the couples monthly mortgage payments from XXXX XXXX XXXX.\nWhile paying a few hundred dollars less each month might be nice, buried deep in the terms of the modification was notice that the mortgage had been extended to XXXX years.\nUnder the couples XXXX XXXX plan, they were to pay their remaining XXXX  mortgage over 14 years, incurring about XXXX in interest charges. With Wells Fargos unauthorized extension, they would pay the remaining mortgage amount over an additional XXXX years, incurring not only the XXXX interest charges already planned, but an additional XXXX XXXX XXXX  depending on interest rates.\nTo make matters worse, the couple claims the Wells Fargo notice of modification implied that they would lose their home if they did not accept the modification.\nBy following the steps outlined below, you can begin to restore your mortgage account to good standing, the notice stated. If you fail to take the following steps and continue to miss or make late mortgage payments, you risk further damage to your credit and possibly foreclosure of your home.\nThe lawsuit claims that the couple should not have been in danger of foreclosure as they had not missed any payments before filing for bankruptcy and had made all planned payments that had come due.\nFollowing the filing of this modification, the couple claims that Wells Fargo filed similar changes with the court in XXXX XXXX XXXX XXXX XXXX, neither of which were approved or requested by the couple.\nAccording to the lawsuit, Wells Fargo may have submitted the modification plans to enrich itself through incentive payments by the U.S. government.\nThe New York Times reports that some lenders take part in certain programs designed to encourage loan modifications for troubled borrowers. In these cases, the bank can receive up to XXXX from government programs for each loan it adjusts.\nAdditionally, the lawsuit claims that by modifying the loans for a longer term, Wells Fargo can collect millions of dollars in additional interest and servicing fees.\nAllegations found in the North Carolina class-action lawsuit have been detailed in several other complaints against Wells Fargo, the Times reports.\nIn one case, XXXX XXXX XXXX a Texas lawyer, tells the Times that he first thought Wells Fargo had made a simple clerical error when it came to a clients loan modification. But after looking into the issue he found a pattern of filing false documents with the federal court.\nThese modifications, he says, wreaked havoc on the customers finances and bankruptcy reorganization. XXXX tells the XXXX that one of his clients, who filed for bankruptcy in XXXX XXXX, received a letter in XXXX from the bank notifying them that they had been approved for a trial loan modification. While the couple didnt approve or request the changes, the bank submitted them to the court.\nIn this case, the payments were reduced from XXXX XXXX XXXX While the client had a plan in place to repay their loan in XXXX  years, the modification extended that time to 40 years, increasing interest charges by an extra XXXX\nA spokesperson for Wells Fargo tells the Times that the bank denies the claims made in the lawsuits, contending that both the borrowers and courts were notified of mortgage modifications properly. As for pushing through modifications without borrower approval, the rep says, We do not finalize a modification without receiving signed documents from the customer and, where required, approval from the bankruptcy court.\n\nXXXX  Wells Fargo Mortgage Servicing Violations\nSoftware Miscalculations: A glitch in the banks automated system incorrectly calculated that certain homeowners did not qualify for mortgage modifications, leading to wrongful foreclosures.\nLoan Modification Denial: Wrongfully denying eligible borrowers the opportunity to modify their mortgages, resulting in avoidable defaults and eventual foreclosures.\nFailure to Offer Modifications: Banks failed or delayed in offering loan modifications to homeowners who qualified under federal programs, leading to foreclosure even though the borrowers were entitled to more favorable modified loan terms.\nInaccurate Loan Reporting: Erroneously reporting some borrowers as being ineligible for mortgage relief, preventing them from accessing loss mitigation programs that could have saved their homes.\nImproper Fees and Interest Rate Miscalculations: Improperly charging fees and miscalculating interest rates on adjustable-rate mortgages have caused significant financial losses for homeowners.\nMisapplied Payments: Some homeowners reported that payments intended for mortgage modifications were misapplied, causing confusion and leading to wrongful foreclosure due to perceived defaults.\nFailure to Implement Federal Guidelines: Failing to follow federal mortgage relief guidelines that require loan modifications before initiating foreclosure proceedings.\n\nLoss of Mortgage Documentation: Errors in internal systems caused the loss of critical loan documents, which resulted in homeowners being wrongfully denied mortgage modifications.\n\nInadequate Communication: Poor communication practices from banks led to homeowners missing crucial modification deadlines, ultimately resulting in foreclosure even though they were eligible for assistance.\n\nNegligence in Monitoring Errors: Even after discovering errors that caused wrongful modification denials, banks failed to act promptly to rectify the issue, prolonging the harm to homeowners.\n\nFailing to honor your forbearance agreement.\nForeclosing earlier than allowed by recent federal protections put in place due to the COVID-19 pandemic.\nEngaging in practices that violate the 1968 Truth in Lending Act (TILA)\nFailing to comply with your loan modification agreement; and/or\nFailing to give you timely notices you are entitled to receive under federal and state law, such as a notice of default, or a pre-foreclosure breach notice.\n\n4-\tIve received two checks from Wells Fargo\nWhy is Wells Fargo Sending Settlement Checks Now?\nWhile the exact reason Wells Fargo is sending out these settlement checks remains unclear, the bank has likely uncovered a major servicing violation, like the issues outlined above. These violations may have occurred over several years before being discovered. Given the severity of these errorspotentially leading to homeowners losing their properties through foreclosureWells Fargo is likely issuing these checks as a preemptive effort to settle legal claims before they escalate into more costly lawsuits in the future.\nHow Big Are the Settlement Checks from Wells Fargo?\nBased on clients lawsuits, the settlement checks typically range from XXXX XXXX XXXX  with higher amounts indicating more serious violations. If you receive a very large, unsolicited settlement check in the mail, this could be a sign that your case is particularly strong, making it essential to consult with an attorney. \n\n5-\tIssues highlighting the challenges I have faced when seeking loan modifications with Wells Fargo. Wells Fargo loan modification problems include:\nDenial of Loan Modifications: Many borrowers report being denied loan modifications, often without clear reasons.\nDocument Submission Issues: Borrowers frequently have to send in the same document multiple times, leading to frustration.\nConfusion About the Process: Many homeowners feel uncertain about the status of their applications and the overall process.\nNegligence in Handling Applications: There have been claims that Wells Fargo acted negligently in denying modifications to eligible borrowers.\nWidespread Mismanagement: Reports indicate that Wells Fargo has made errors that resulted in the wrongful denial of loan modifications and other issues affecting mortgage customers.\n\n6-\tHarm Done by Wells Fargo Loan Modification Error, Wrongfully Foreclosure \na.\tSevere Emotional Distress XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\tWrongfully attempted Foreclosure XXXX times XXXX XXXX XXXX XXXX XXXX XXXX.\tHired 3rd party agencies to assist with modification and to stop or avoid foreclosure XXXX XXXX  Had to liquidate retirement accounts to avoid wrong foreclosures. This involved an additional 10% tax due to hardship early withdrawal of 401k XXXX XXXX  Borrowed money from family members XXXX XXXX\tEntitled to punitive damages XXXX   \n\nWells Fargo Unlawful Reporting  Pain & Suffering\nItem\tAmount\nMoney paid to reinstate loan XXXX over 9-year period \nMoney was paid to attorneys/agencies to help stop multiple foreclosure attempts over 9 years.\tApprox. XXXX XXXX XXXX  \nLiquidation of multiple 401k\tLost saving/retirement funds = approx. XXXX XXXX XXXX \nTime spent for management of this issue  XXXX  hrs/year\tApprox XXXX  IRS confiscation of all tax refunds since XXXX\tApprox. XXXX XXXX  per year for XXXX years) \nIRS enforced maximum withholdings  single filer status\t\nApprox. XXXX XXXX  per year.) \nIRS\tXXXX  IRS debt XXXX\nMedical conditions due to stress:\nDuring the past 9 years, we have been under hardship and undue stress leading to the following medical conditions: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \nAmount - XXXX\nMortgage paid over 9 years totaling over $300,000\nDamaged Credit  I have filed XXXX XXXXtime to stop foreclosure since XXXX which now prevents me from getting a loan.\nUnable to get loans\nXXXX  \nThere have been several lawsuits filed against Wells Fargo ranging from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which have been very similar situations to my situation. Therefore, Im seeking XXXX XXXX XXXX  \nAbove is a list of activities and damage that have severely impacted me and my family due to Predatory lending, reporting 1099c by Wells Fargo, formerly known as XXXX.  Wrongful foreclosure attempts, Loan Modification Errors, ETC. These problems have negatively impacted our quality of daily life (i.e., no vacations, no dinners out, no shopping, etc.) and damaged our credit. This psychological trauma/mental health, stressful event needs to end. After XXXX  years of being on this mortgage, it is still unclear if my mortgage is valid. XXXX XXXX and Now Wells Fargo have all failed me as a borrower. I was given a predatory loan that is a fraudulent, unfair deceptive, or abusive loan that can trap borrowers in debt. After several government bailouts to these mortgage companies, Im trapped in debt that appears no way out but foreclosure. \n\nWhat is Wrongful Foreclosure Action\nA wrongful foreclosure is when a lending institution forecloses on a property without any proper legal basis.  This can be through mistakes, negligence or intentional misconduct.  However, it goes, borrowers should always exercise due diligence making sure they dont fall prey to such practices.  \nWhen Your Rights Are Violated\nLending institutions stand to profit by foreclosing on a property.  It may be done by mistake or by unfair means for financial gain.  Whether accidental or deliberate, wrongful foreclosures have huge ramifications for homeowners.  Families can lose their homes, and their credit is so badly impacted by foreclosure that getting a new mortgage is next to impossible, to say nothing of how bad credit can impact other areas of life.  Wrongful foreclosures also cause undue stress on a family, especially if they must completely rearrange their lives (new neighborhoods/cities/schools / etc.).  Many homeowners may decide to pursue legal action against lenders, to reclaim some semblance of their former lives.\nWrongful Foreclosure Cases\nThere are several high-profile cases to illustrate what happens when wrongful foreclosures happen.  One of the most well-known cases involves Wells Fargo.  In 2019, Washington DCs Eastern U.S. District Court ruled that Wells Fargo wrongfully took back hundreds of homes.  It wasnt deliberate on Wells Fargos part, but a textbook example of a technical glitch in software that caused hundreds of borrowers not to get the loan modifications they qualified for.  As part of the judiciary relief, Wells Fargo gave each borrower more than $10,000.  Victims also had further recourse under a class action settlement with the bank.\nIn another case, a lending institution told a couple they couldnt get a loan modification without getting behind on payments.  They defaulted on their loan and filed for bankruptcy on the advice of the lender.  They lost their home anyway because the lender continued with foreclosure proceedings, even with a bankruptcy stay in place.  The couple eventually were awarded more than $45 million in actual and punitive wrongful foreclosure damages and court costs.","date_sent_to_company":"2025-02-28T09:47:50.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"30331","tags":"Servicemember","has_narrative":true,"complaint_id":"12028314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-02-12T22:11:23.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["Following the filing of this modification, the couple claims that Wells Fargo filed similar <em>changes</em> with the court in XXXX XXXX XXXX XXXX XXXX, neither of which were approved or requested by the couple.\nAccording to the lawsuit, Wells Fargo may have submitted the modification plans to enrich itself through incentive payments by the U.S. government.\nThe New York Times reports that some lenders take part in <em>certain</em> <em>programs</em> designed to encourage loan modifications for troubled borrowers."]},"sort":[9.192144,"12028314"]},{"_index":"complaint-public-v1","_id":"6651418","_score":8.99706,"_source":{"product":"Student loan","complaint_what_happened":"PHEAA has forced Terms and Conditions to be accepted and agreed upon for use of service via their online portal. The CFPB should be made aware of these Terms and Conditions for determining if any of the clauses fall outside of CFPB Regulations. \n\nI specifically do not agree with this clause. PHEAA is trying to maintain no accountability for information that appears to be inaccurate, based on the language of this clause. \n\n\" PHEAA intends for the information, materials, and functions contained on Online Services to be as current and accurate as possible, but can not guarantee and does not warrant the accuracy or reliability of the information, material, or functions available through Online Services. '' Full Terms and Conditions : These ONLINE SERVICES TERMS OF USE ( \" TERMS OF USE '' ) state the terms and conditions that govern your use of the website ( s ), web services, web-based applications, and mobile applications ( \" Online Services '' ) offered by the Pennsylvania Higher Education Assistance Agency , also conducting loan servicing operations as American Education Services and FedLoan Servicing and digital technology services as Avereo ( \" PHEAA '' ). By accessing or using any of the information, materials, or functions available on or through Online Services, you agree to and understand, and are legally bound by, these TERMS OF USE. PHEAA may amend or change the Online Services offered, or these TERMS OF USE, from time to time, at PHEAAs sole discretion, by posting updated terms and conditions within Online Services or by providing written notice to you by email, through a website, or U.S. Mail. You agree to be bound by any modifications, changes, or revisions made by PHEAA to the Online Services or to these TERMS OF USE upon the date of their modification, change, or update by PHEAA. You agree that you are responsible for reviewing these TERMS OF USE regularly, and your continued use of Online Services constitutes your acceptance of any modifications, changes, or revisions to Online Services or these TERMS OF USE. \n\nThese TERMS OF USE are in addition to any other terms and conditions that may apply to accounts you have with PHEAA or to any other services or information provided by PHEAA. Where appropriate, please review those specific terms and conditions. \n\nAs used in these TERMS OF USE, \" you '' or \" your '' refers to you or to any other person you authorize to use Online Services on your behalf. \" PHEAA '' refers to PHEAA or any agent, designee, or contractor of PHEAA. \n\nPHEAA intends for the information, materials, and functions contained on Online Services to be as current and accurate as possible, but can not guarantee and does not warrant the accuracy or reliability of the information, material, or functions available through Online Services. Any calculations, functions, or tools available on Online Services are intended only to provide estimates that may differ from actual amounts that are applicable to you or to your account. Reasons for this variation include, but are not limited to : ( 1 ) loan servicers may use different repayment calculations ; ( 2 ) loan servicers may make other calculation assumptions; or ( 3 ) loan servicers may use different interest rates and processing methods. Actual loan repayment amounts are established by you and your lender. \n\nSubmission of any forms via Online Services does not automatically qualify you for financial aid, loan program benefit, or other requested action. When indicated, you may print and return a complete form to PHEAA or another applicable entity, depending on the type of financial aid involved. PHEAA reserves the right to deny or invalidate requests, forms, or applications submitted on altered forms. Any requests or submitted applications are subject to review and approval by and at the discretion of PHEAA. \n\nAccount Information, Password/Passphrase Protection , & Indemnification Online Services include secure online and mobile tools that enable you to manage your student loan account with us via the internet. If you create an online access account, you are responsible for maintaining the confidentiality of any username and password/passphrase and for any and all activities that occur under your password/passphrase or account. You agree to protect and keep confidential your account information, user IDs, passwords/passphrases, or any other means of accessing your account or any other information or content on Online Services, as applicable. You also agree to immediately notify PHEAA of any unauthorized use of your account or any other breach of security known to you regarding your account or use of Online Services by phone at XXXX, or by email at XXXX. If you disclose any of the foregoing information, you assume all risks and losses associated with such disclosure. If you permit any other person to access your account or your account information, user IDs, passwords/passphrases, or any other means of accessing your account, you are responsible for any resulting transactions or activities. Upon receipt of information or evidence regarding unauthorized access, PHEAA may block or temporarily prevent access to your account until the access problem can be resolved. You agree to indemnify, defend, and hold harmless PHEAA, its directors, officers, employees, and agents from and against all losses, expenses, damages, and costs, including reasonable attorney fees, arising out of or relating to your use of Online Services or use by any other person accessing Online Services using your username and password/passphrase or other means of account access. PHEAA reserves the right to terminate your online access account after an extended period of inactivity. \n\nConsent for Services & Data Retention Your use of certain services will serve as your consent for PHEAA to use and store the information necessary in order to perform the services. \n\nFor example : Choosing to opt-in to allow PHEAA to remember your device identifier for identity management will serve as your consent to provide that service and store your device identifier. \nYour provision of your mobile phone number during the account creation and recovery process will serve as your consent to permit PHEAA to contact you at this number for the purposes of two-factor authentication and account recovery. You thereby permit PHEAA to use reasonable means to contact you, including, but not limited to, text message ( SMS ), MMS, or a phone call. You may revoke this consent by contacting PHEAA at the appropriate number below. Additional terms related to Text Messaging and MMS can be found below. \nLimitations on Use Users shall not transmit any material or information to Online Services that is abusive, threatening, XXXX, indecent, false, libelous, defamatory, obscene, profane, or solicitous, infringes on any copyright or other proprietary rights of any other person or entity, or otherwise could result in civil or criminal liability under the law. Users shall not abuse or harass another person through Online Services. Users are responsible for respecting and adhering to state, federal and international laws at all times with respect to their use of Online Services. Any attempted violation of law may result in criminal or civil litigation against the offender by PHEAA or any proper authority. PHEAA will fully comply with applicable authorities to provide any information necessary for the litigation process. PHEAA reserves the right to suspend, block, and/or revoke access to Online Services for any User who violates these Terms of Use. \n\nSecurity of Transmissions There may be security, transmission, or other risks associated with use of the internet and Online Services and you expressly assume any and all such risks. You are responsible for obtaining all software, hardware, or other equipment necessary to use Online Services, including, without limitation, the use of up-to-date web-browsers and appropriate encryption, antivirus, anti-spyware, and internet security software. Online Services may contain encryption methods that are not supported by all browsers. If you are not using a browser that supports 128-bit encryption, you may be unable to view all of the information and materials contained in Online Services. \n\nIntellectual Property Notices Except where otherwise expressly noted in these TERMS OF USE or within the content of Online Services, the contents of Online Services, including, but not limited to, graphics, icons, text, screens, software, and overall appearance of Online Services, are the sole and exclusive property of PHEAA or exclusively licensed by PHEAA and are protected by United States copyright and trademark laws. The posting of the contents of Online Services is not a waiver of any of PHEAA 's proprietary rights, including, but not limited to, copyrights, trademarks, service marks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to you or to any third party. \n\nChildren 's Online Privacy Protection Act Consistent with the Children 's Online Privacy Protection Act ( COPPA ), PHEAA will not knowingly collect or retain information submitted by children under the age of 13. If PHEAA learns that PHEAA unknowingly collected personally identifying information from children under 13 years of age, PHEAA will immediately take all reasonable measures to delete the information from PHEAA 's computer systems and all other data systems. \n\nThird-Party Links & Resources Online Services contains links to other internet sites and resources that are not related to or controlled by PHEAA. PHEAA assumes no responsibility or liability for any errors or omissions in the material or information available on or through such other internet sites or resources. The existence of such links is not an endorsement by PHEAA of such internet sites or the resources, contents, or operators thereof. In addition, such other internet sites and resources may provide less security than PHEAA. Your access to and use of such internet sites and resources is at your own risk. \n\nPersonal Data Collection & Privacy For information on how PHEAA collects personal information, and uses and shares such information, see PHEAA 's privacy policy and online privacy practices. \n\nWarranties Disclaimer ONLINE SERVICES, INCLUDING ALL CONTENT, SOFTWARE, AND INFORMATION, MATERIALS, AND FUNCTIONS MADE AVAILABLE ON ONLINE SERVICES, IS PROVIDED \" AS IS '' WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. PHEAA MAKES NO REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY WEBSITE OPERATED BY A THIRD PARTY. YOU ACKNOWLEDGE AND AGREE TO USE ONLINE SERVICES, INCLUDING ALL CONTENT, SOFTWARE, AND INFORMATION, MATERIALS, AND FUNCTIONS PROVIDED BY PHEAA ( INCLUDING THIRD-PARTY INFORMATION, MATERIALS, FUNCTIONS, PRODUCTS, AND CONTENT ) AT YOUR SOLE RISK, AND FURTHER ACKNOWLEDGE AND AGREE THAT PHEAA DOES NOT GUARANTEE AND DOES NOT WARRANT THAT YOUR ACCESS WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE OR THAT THE ONLINE SERVICES, INCLUDING ALL CONTENT, SOFTWARE, AND INFORMATION, MATERIALS, AND FUNCTIONS ACCESSIBLE FROM ONLINE SERVICES, WILL BE FREE OF COMPUTER VIRUSES OR OTHER MALICIOUS, MISCHIEVOUS, OR DESTRUCTIVE PROGRAMMING. PHEAA RESERVES THE RIGHT TO CHANGE, MODIFY, ADD, OR REMOVE PORTIONS OF ONLINE SERVICES AT ANY TIME, FOR ANY REASON AND WITHOUT PRIOR NOTICE TO YOU. \n\nDamages PHEAA shall not be liable for any loss, injury, or damages, whether special, direct, indirect, incidental, or consequential, including but not limited to, loss of revenues, opportunities, profits, or data, whether arising from or related to any action in contract, negligence, tort, or otherwise, which may result from your use of Online Services or the material and information contained herein or in connection with any failure of performance, error, omission, interruption, delay in operation or transmission, computer virus, malicious code, line system failure, loss of data, loss of use, or other defect related to Online Services, even if PHEAA is aware of the possibility of such damages. \n\nChoice of Law Your access to and use of Online Services and these TERMS OF USE shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to the conflict of laws thereof, and the laws of the United States of America. The venue for any proceeding regarding these TERMS OF USE shall be in a court with competent jurisdiction over PHEAA in XXXX XXXX, Pennsylvania. \n\nText Messaging ( SMS ) or MMS Terms By providing your phone number as an account recovery method, you will have the option to receive a text message with a verification code as a second factor when signing into your online account from an unrecognized device. The frequency of text messages you receive will vary depending on the frequency by which you use your online account or require verification codes to assist with username and/or password/passphrase recovery. By agreeing to allow American Education Services ( PHEAA ) to contact you on your mobile number ( s ), you may receive text messages regarding general account information, the frequency of these messages depends on account status. Message and data rates may apply, and carriers are not liable for delayed or undelivered messages. You can unsubscribe at any time by texting STOP. \n\nMiscellaneous Terms To the extent any portion of these TERMS OF USE are determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these TERMS OF USE as so modified, shall remain in full force and effect. No waiver by PHEAA of any right or term or provision of these TERMS OF USE will be deemed a waiver of any other right, term or provision of these TERMS OF USE at that time or a waiver of that or any other right, term, or provision of these TERMS OF USE at any other time. \n\nModification PHEAA may modify the TERMS OF USE at any time. In the event that PHEAA makes any material changes the TERMS OF USE, users will be able to view the changes on PHEAA 's website. The most recent policy is available through PHEAA 's websites and any questions about the TERMS OF USE can be directed to XXXX. \n\nContact Us American Education Services XXXX FedLoan Servicing XXXX","date_sent_to_company":"2023-03-05T15:14:24.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"178XX","tags":null,"has_narrative":true,"complaint_id":"6651418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2023-03-05T15:08:32.000Z","state":"PA","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["In the event that PHEAA <em>makes</em> any material <em>changes</em> the TERMS OF USE, users will be able to view the <em>changes</em> on PHEAA 's website. The most recent policy is available through PHEAA 's websites and any questions about the TERMS OF USE can be directed to XXXX. \n\nContact Us American Education Services XXXX FedLoan Servicing XXXX"]},"sort":[8.99706,"6651418"]},{"_index":"complaint-public-v1","_id":"3081683","_score":8.603689,"_source":{"product":"Mortgage","complaint_what_happened":"BBVA - XXXX XXXX XXXX Credit Score Ruined XX/XX/XXXX In XX/XX/XXXX, we ( XXXX XXXX XXXX ) applied for a Construction XXXX XXXX with XXXX XXXX but were denied because of bad credit, low XXXX credit score. We were shocked, thought we had perfect credit. We are responsible business owners in our XXXX, pay all of our bills on-time, do not have any credit card debt and make a good living. Never saw this coming and we are devastated. Not only can we not obtain a mortgage for homeownership but we can not get loans to build XXXX XXXX XXXX is  our livelihood for the past 30 years. We are in trouble. \nApparently BBVA had been sending our Visa credit card statement to an erroneous address and a {$40.00} charge did not get paid for months. BBVA made no attempt to notify us of this issue which ultimately ruined our credit and now we are unable to get a mortgage or spec house loans. As a matter of fact the Teller at BBVA researched our account and it showed that our Visa paper statements had all been sent back ( returned to sender ) to BBVA, so they were aware that we were not receiving these statements. \nOur BBVA Visa credit card was opened at the same time we got a {$120000.00} BBVA equity loan on our previous home, used loan to do some major remodeling. Loan was opened on XX/XX/XXXX. \nWe did not ask for, nor did we knowingly apply for the Visa card but BBVA offered the Visa card along with the Equity loan. They also offered us a discount on our loan payment if we opened a checking account and gave us a {$1000.00} overdraft protection account. Again all we applied for and intended to get was an Equity loan we never asked for the Visa, checking, or over-draft protection account.\n\nAt some point after opening equity loan, along with the other accounts BBVA threw in, we realized BBVA had an erroneous address for us so I ( K ) physically went into the local bank branch to have the teller go into our accounts and change our mailing address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Note that our XXXX XXXX mailing address has been the same for over 20 years and is the only address that we have ever used. \nCurrently our statements for the Equity line of credit, Checking and Overdraft Protection all show the corrected address. But not the BBVA Visa, it still shows a bad address that BBVA imposed on us when our accounts were established, which is 50 -- -- -- -- -- -- -- -- -- -- -- -- -- --. Obviously the Teller did not change the address for the Visa at the same time she changed address on other accounts. Much to our ignorance we believed that when I physically went into the BBVA bank branch and changed our address to XXXX. XXXX that it changed our address for ALL of our BBVA accounts. This is how it works at XXXX XXXX where we have banked for over 30 years. But the Teller at BBVA did not notify me that the address change was not for all accounts so we had no way of knowing. \n\nAlso, unbeknownst to us, the BBVA Visa credit card was never linked to our online account for us to see any activity and we had never received a paper statement to make us aware that the Visa card was not linked to our online account. Since never ever receiving a separate statement for the BBVA statement, had no idea there was a separate statement, we believed the blue Visa credit cards were linked to our BBVA checking and overdraft account. We never even used the BBVA Visa until 8 months after receiving card when we used it once for a {$40.00} computer security program again fully believing it was linked to our checking or overdraft account, which had and still has more than enough money to cover {$40.00}, so we certainly never thought about it not getting paid. \nThe address shown on our BBVA Visa credit card statement is XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - which was an old address where we rented temporarily before we bought XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- house in XXXX of XXXX, financed by XXXX and got equity loan by BBVA. \nNote that we had lived at XXXX for a year before we obtained the Equity loan from BBVA so we would not have ever given the old temporary rental house address of XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - as our mailing or physical address. Our guess is the BBVA Mortgage Officer, XXXX XXXX XXXX XXXX XXXX XXXX-, or someone else at BBVA who inputted our information into the system, saw this address on our credit report ( I guess ) and inputted this bad address? Again our correct mailing address for over 20 years is XXXX. XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --. \nAlso, I am not sure how we received the physical BBVA Visa credit card being that BBVA had wrong address on our Visa account. But when we moved out of rental house the summer of XXXX we did submit a change of address with the XXXX  Florida Post Office ( from XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- and forwarded to XXXX. XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ), just to make sure if anything unknowingly sent here, any packages etc, they would eventually find us. So possibly the credit card was forwarded to us and is how we received. \nThe change of address forwarding of mail through the postal service is only good for a certain amount of time possibly was in effect just long enough to get the physical card forwarded to us but shortly after expired before we could start receiving the statements. PERFECT STORM! \nSo not only were we unknowingly not able to view our Visa statement on our online banking we were also unknowingly not receiving the paper statement by mail because BBVA did not change our mailing address as I requested, resulting in ultimately ruining our credit. \nOnce we were made aware of the unpaid charges we immediately paid cash in person {$40.00} on XX/XX/XXXX at the local XXXX BBVA bank branch. Although the account is paid in full BBVA is still reporting the status of our account to the Credit Bureau as a Charge Off   which has ruined our credit score. We are not experts at credit reporting language but seems like if an account is paid in full by the consumer, it could not also be Charged Off, either is was paid in full OR it was charged off as bad debt. Which Charge Off seems to be the worst status to have, ruined our credit like its close to foreclosure or bankruptcy. In addition our BBVA Visa account currently shows that it is open and has a {$200.00} credit limit. Everything is conflicting as to the status of this account. \nAnyway we understand our part, our responsibility part, we made the {$40.00} charge and missed following up on it to make sure it was paid. Trusting our bank had our back, online banking linked, changed our address to correct and receiving our statements for all accounts. Although we are not 100 % to blame, BBVA holds some responsibility here too. Yet we are ruined, our bread & butter business ruined, no spec loans and possibly we cant qualify as a XXXX XXXX XXXXXXXX XXXXXXXX XXXX   for our customers. Plus the loss of obtaining home ownership - but BBVA remains unscathed and unwilling to help us out of this mess. This is not right! Is there anyone human at BBVA? If a human with common sense looked at the situation I dont think they would elect to ruin these people ( XXXX XXXX XXXX ) over {$40.00}. Plus we are a BBVA customer, does this not mean anything? Why would BBVA want to ruin us? Does BBVA value their customers? \nWe borrowed {$120000.00} from BBVA, made every payment timely and paid it off in full. Perfect customers. When the {$40.00} charge was made we had and still have the money in our BBVAs accounts to pay the {$40.00}. \nBottom line - BBVA hooked us into this credit card offer with the equity loan mortgage. Then flubbed up by not having it logged in correctly so when we checked online it did not show up - and they used a bogus address to send the bill - when the bill was returned they made no good faith effort to correct their billing and notify the customer. Now no good faith in trying to correct the damage. As a matter of fact once we paid the {$40.00} balance on the Visa, BBVA changed the credit rating status from bad Delinquent Closed Account to an even worse status Charge Off!!! WHY????????????????????\n\nBBVA hands are definitely not clean. They bear some weight of the burden here. It does not make common sense for a customer to pay off {$120000.00} and be a charge off for {$40.00}. What is wrong with this picture? Does anyone care enough at BBVA to get to the bottom of this fiasco and try to figure out a solution? \n\nTO RECAP : XXXX. XXXX XXXX XXXX received {$120000.00} 2nd mortgage equity loan from BBVA 2. BBVA hooked on a credit card with the mortgage 3. BBVA hooked on a bogus address to the credit card 4. XXXX physically went to the BBVA branch to correct address 5. XXXX XXXX XXXX sold home, paid off BBVA {$120000.00} 2nd mortgage equity loan, perfect payment history, perfect customer 6. XXXX XXXX XXXX applied for mortgage to buy new house - found out CREDIT RUINED by BBVA - emotionally went to pieces and got sick-we are a small business, our credit rating is our life 's blood, we will be ruined 7. BBVA had not corrected our address on the credit card, therefore there was a mere {$40.00} balance that had not been paid by us because BBVA had flubbed up on changing our address. In fact they had  used such an old address where we didn't even live when they first issued the credit card. We have no idea where they dug up that old address. THIS WAS THE MAJOR FAULT THAT HAS CAUSED OUR DEVASTATING PROBLEM. \n8. We do not know why BBVA did not change address when we went to the branch to have this done, we do not know why they did not catch their mistake when the credit card statements were returned to them, we do not know why they did not note we had an overdraft protection on our account and had paid off {$120000.00} so we obviously would not try to dodge paying {$40.00}. Does this sound like clean hands by BBVA? Why can't they just realize there were many mistakes made by all the parties and take the \" charge off '' our credit report, and save our lives, STOP THE BLEEDING.","date_sent_to_company":"2018-11-23T16:17:46.000Z","issue":"Incorrect information on your report","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3081683","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BBVA FINANCIAL CORPORATION","date_received":"2018-11-23T15:50:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["We never even used the BBVA Visa until 8 months after receiving card when we used it once for a {$40.00} computer <em>security</em> <em>program</em> again fully believing it was linked to our checking or overdraft account, which had and still has more than enough money to cover {$40.00}, so we certainly never thought about it not getting paid."]},"sort":[8.603689,"3081683"]},{"_index":"complaint-public-v1","_id":"5895765","_score":8.440059,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Greetings, I'm a XXXX years Honorably Retired and Permanently XXXXXXXX XXXX Veteran. \n\nThis is additional information to be added to my open complaint ( XXXX ). \n\nIn the XXXX open complaint, I stated that I missed three payments ( XXXX, XXXX, XXXX ) in the year of XXXX due to COVID-19. \n\nI reported this to Wells Fargo during the early stage of COVID-19 when I was seeking assistance ( i.e. forbearance, loan modification, refinance ). \n\nOn XX/XX/XXXX, I paid my mortgage off in full. Yet, Wells Fargo has placed serious delinquency on my XXXX credit report ( along with the other credit bureaus ). \n\nI found additional information from CFPB and DOJ copied at the bottom. I also attached this data as a pdf file. \n\nBased off this release, I feel that Wells Fargo has made a grave error by reporting to all three credit bureaus that I was delinquent. Wells Fargo has also reported to all three credit bureaus that Foreclosure started. \n\nWells Fargo has caused GRAVE harm to me emotionally, mentally, and financially by placing adverse/negative information on my credit profiles. \n\nI was denied multiple times for loans ( i.e. refinance, loan modification, home equity, personal loans, etc. ) by Wells Fargo and other banks/creditors due to Wells Fargo 's actions. \n\nI humbly seek justice. \n\n\n\nFOR IMMEDIATE RELEASE : XX/XX/XXXX MEDIA CONTACT : XXXX XXXX XXXX Tel : ( XXXX ) XXXX CFPB AND DOJ PUT LANDLORDS AND MORTGAGE SERVICERS ON NOTICE ABOUT SERVICEMEMBERS ' AND VETERANS RIGHTS Joint Letters Remind Landlords And Mortgage Servicers To Adhere To The CARES Act And Additional Legal Requirements Under The Servicemembers Civil Relief Act XXXX XXXXXXXX. The Consumer Financial Protection Bureau ( CFPB ) and U.S. Department of Justice ( DOJ ) issued two joint letters today regarding important legal housing protections for military families. One letter was sent to landlords and other housing providers regarding protections for military tenants. A second letter was sent to mortgage servicers regarding military borrowers who have already exited or will be exiting COVID-19 mortgage forbearance programs in the coming weeks and months. \n\nThe letter to landlords and other housing providers reminds property owners of the important housing protections for military tenants, some of whom may have had to relocate or make other changes to their housing arrangements in response to the crisis. While military families enjoy the same legal protections and privileges afforded to all other homeowners and tenants, they also have additional housing protections under the Servicemembers Civil Relief Act ( SCRA ), which is enforceable by the DOJ and servicemembers themselves. \n\nThe letter to mortgage servicers comes in response to complaints from military families and veterans on a range of potential mortgage servicing violations, including inaccurate credit reporting, misleading communications to borrowers, and required lump sum payments for reinstating their mortgage loans. These complaints are being reviewed for compliance by the CFPB with the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and other applicable requirements. \n\nThe illegal foreclosures of military families in the last crisis was one of the financial industrys worst failures, said CFPB XXXX XXXX XXXX. The CFPB will be closely watching mortgage servicers and will hold them accountable for illegal tactics perpetrated against military families. \n\nThe Department of Justice takes seriously its responsibility to safeguard the rights of servicemembers and veterans, said Assistant Attorney General XXXX XXXX. While servicemembers carry the great burdens of this Nation, they should not have to worry that their sacrifices will result in economic harm to their families. Mortgage servicers and landlords must ensure that they are in full compliance with federal laws intended to protect servicemembers and their families during military service. \n\nDuring the COVID-19 pandemic, roughly 7.6 million homeowners entered forbearance. While the majority have resumed their regular mortgage payments, approximately 1.25 million borrowers many of whom are military borrowers remain in forbearance programs that will expire at the end of the year. Ensuring that mortgage servicers comply with their legal obligations is crucial, especially since a decade ago some large financial institutions illegally seized the homes of military families, sending their lives into a tailspin. These violations were a result of breakdowns in the mortgage servicing industry that were severe and widespread. The result was numerous settlements with regulators, including a {$180.00} XXXX settlement between DOJ and some of the countrys largest mortgage servicers. \n\nServicemembers have several legal protections under the SCRA that are designed to enable them to devote their entire energy to the national defense. These include, for example, a prohibition on foreclosing on certain servicemembers mortgages without court orders, the ability for military families to terminate residential leases early, and without penalty, upon receipt of military orders, and a prohibition on evicting military families from their homes without court orders. In addition, under the CARES Act and Regulation X, servicemembers and veterans have the same protections available to all mortgage borrowers. These include, for example, streamlined COVID hardship forbearance options, requirements that mortgages receiving a COVID-19 hardship forbearance be reported as current to credit reporting agencies if the loan was current before entering forbearance under the CARES Act, and requirements in the Bureaus Regulations X and Z for treatment of delinquent borrowers and borrowers who have applied for loss mitigation. \n\nThe CFPB and DOJ are calling on mortgage servicers and landlords to ensure that military homeowners and tenants are safeguarded during the pandemic and benefit equally from the Nations economic recovery.","date_sent_to_company":"2022-08-19T12:54:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"210XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5895765","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-08-19T12:08:32.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["A second letter was sent to mortgage servicers regarding military borrowers who have already exited or will be exiting COVID-19 mortgage forbearance <em>programs</em> in the coming weeks and months. \n\nThe letter to landlords and other housing providers reminds property owners of the important housing protections for military tenants, some of whom may have had to relocate or <em>make</em> other <em>changes</em> to their housing arrangements in response to the crisis."]},"sort":[8.440059,"5895765"]},{"_index":"complaint-public-v1","_id":"3813176","_score":8.433044,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I am adding this to my original complaint ID XXXX and its subsequent complaints in a response to the most recent letter dated XX/XX/XXXX sent to me by XXXX XXXX of Bank of America regarding my home equity account. \n\nThe letter reads as follows- Client name : XXXX XXXX Correspondence received from : Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX XXXX XXXX : I'VE CAREFULLY REVIEWED YOUR CORRESPONDENCE AND WANT TO LET YOU KNOW OUR FINAL RESPONSE. \n\nWe previously researched and responded to your concerns in the enclosed letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX XXXX. We've refrained from providing copies of the related enclosures for these responses as they've been provided on several occasions. \n\nOur records indicate that your loan is paid through the XX/XX/XXXX installment and is in default status. As of the date of this letter, your loan has not been sent to our foreclosure department. \nIt is important to understand that the general, industry-wide accepted definition of \" collateral, '' in this context, is property ( such as securities ) pledged by a borrower to protect the interest of the lender. The enclosed XXXX XXXX Open-End Mortgage ( which is the instrument securing the property to the loan ) explicitly states : \" To secure to lender the repayment of the indebtedness evidenced by the Agreement together with interest thereon, and all renewals, extension, and conversions of or modification to the Agreement ; the payment of all other sums provided in the Agreement or advanced to protect the security of the Mortgage ; and the performance of all other covenants and agreements of Borrower contained herein and in the Agreement, for consideration paid, Borrower hereby mortgages, grants and conveys to Lender, its successors and assigns forever, with statutory power of sale ( if applicable ) and with mortgage covenants, the property described in Exhibit A to this Mortgage ( the Property ). '' This is also supported by the enclosed XXXX Line Agreement ( which is the loan ) under section 5, titled \" Security '' : \" To secure payment of all sums I owe you under this Agreement, and any extension, renewal, or modification of the Agreement, and to secure all charges under the mortgage of the Property securing the Account, I am giving you a mortgage ( \" Mortgage '' ) on my real property located at : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. '' Although the XXXX XXXX Open-End Mortgage and XXXX Line Agreement do not explicitly use the word \" collateral, '' the terms clearly communicate that the property is being pledged by the borrower to protect the interests of the lender. The signatures on these documents dated XX/XX/XXXX, indicated an understanding, acceptance, and agreement of these terms. \n\nOn XX/XX/XXXX, we offered the enclosed Home Equity Payment Reduction Program Trial Period Plan ( TPP ) ; however, our records indicate that you did not accept the TPP. If you need loan assistance or to learn more about the programs available, please visit : https : //bankofamerica.com/homeloanhelp. You can also speak to a customer relationship manager by calling XXXX, Monday through Friday from XXXX XXXX to XXXX XXXX Eastern. \n\nHERE 'S OUR PROPOSED RESOLUTION We understand your concern regarding the notary seal on the enclosed Modification of Security Instrument dated XX/XX/XXXX. Our research indicates that the notarial certificate is present and valid. \n\nWe reviewed your claims of signature forgery. Our research has uncovered no reasonable factual basis to substantiate your claim. Therefore, we are unable to address your claim in detail at this time. If you wish to pursue this matter further, please have XXXX XXXX provide the following items : * Affidavit of Forged Documents, which requires : * The Bank of America loan number * The names of the specific documents that are related to the claim * A written description of the claim * A notarized signature * Include all documentation supporting the forgery claim, such as, police report ( s ), samples of documents signed by XXXX XXXX Please mail the requested documents to the following address, and we will investigate the matter : Bank of America Fraud Claims XXXX XXXX XXXX Mail code XXXX XXXX, CA XXXX If you have any questions regarding the claim, please call us at XXXX, Monday through Friday, XXXX XXXX. to XXXX XXXX Pacific. \n\nWe've also included these case documents, which you may find helpful : * Previous response letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX, without enclosures * Home Equity Payment Reduction Program Trial Period Plan ( TPP ) dated XX/XX/XXXX * Affidavit of Forged Document ( s ) form * XXXX Line Agreement signed on XX/XX/XXXX * XXXX XXXX Open-End Mortgage signed on XX/XX/XXXX * Modification to Bank of America Equity Maximizer Agreement and Disclosure Statement signed on XXXX XXXX * Modification of Security Instrument signed on XXXX XXXX * Claim notice dated XXXX XXXX * Loan payment history statement dated XXXX XXXX WE'RE HERE TO HELP we understand this may not be the result you were hoping for, but we hope it's clear why we reached this decision. \n\nOur clients are important to us. If there's anything else you need, please call me at XXXX, extension XXXX Monday through Friday, XXXX : XXXX. to XXXX XXXX. Pacific. \n\nXXXX XXXX Senior Resolution Specialist Regulatory Complaints Let me begin by stating I have NEVER requested the Equity Payment Reduction Program Trial Period Plan ( TPP ), This letter dated XX/XX/XXXX, reads- \" CONGRATULATIONS! YOU'RE ON YOUR WAY TOWARD AN AFFORDABLE HOME EQUITY ACCOUNT PAYMENT. \nTO ACCEPT OUR OFFER, CONTACT US OR MAKE YOUR FIRST TRIAL PERIOD PAYMENT BY XXXX XXXX. '' What I did request was to have a \" PRINCIPAL BALANCE REDUCTION ''. and in the CFPB response, dated XX/XX/XXXX, XXXX XXXX the assigned Resolution Specialist Regulatory Complaints of Bank of America declined my request for a reduction of principal balance. She states that \" My research reveals that your application for the XXXX Line Agreement was evaluated and approved under the stated income  guidelines in XX/XX/XXXX. Furthermore, the Bank of America Equity Maximizer was also evaluated and approved under the stated income guidelines in XX/XX/XXXX. Research confirms that on your online application in XXXX, you provided a yearly stated income of XXXX. '' I requested a copy of the deed, copy of the mortgage application, copies of the stated income guidelines that were used in the research to evaluate and approve the income verification process, and all other paperwork used to determine my qualifying for the XXXX loan and the Bank of America Equity Maximizer. These documents were never sent! \nHow was this verified? Surely, there must be some type of verification! Had the yearly stated income provided on the online application been {>= $1,000,000} and the Modification request be for {$500000.00}, would this also be approved under the stated income guidelines without income verification? \nXXXX XXXX was replaced! \n\nThis letter then states- \" We're pleased to inform you that you're approved to start a Home Equity Payment Reduction Program Trial Period Plan. Please read the information below that explains the next steps you need to take to qualify. '' As I wrote earlier, I have never requested this! Not only does this ignore my request for a reduction of the principal balance, but this offer increased the loan amount from {$240000.00} to {$250000.00}. \nThis letter states in Step # 2 : \" Notify us by XX/XX/XXXX of your intent to accept this trial offer to prevent your loan from starting the foreclosure process or to suspend foreclosure if that process has already begun. \n\nMr. XXXX response letter which is dated XX/XX/XXXX states- \" On XX/XX/XXXX, we offered the enclosed Home Equity Payment Reduction Program Trial Period Plan ( TPP ) ; however, our records indicate that you did not accept the TPP. '' More than 15 months have passed since the XX/XX/XXXX announced deadline and the forcloseure process has not yet begun. \n\nThroughout I have been told that they will proceed with a foreclosure sale. And throughout, I informed Bank of America that this would be best resolved by the courts if they were to proceed. I informed Bank of America that in no way would I be able to make the increased payments. \n\nBank of America had to know that the TPP offer {$1800.00} a month or XXXX annually was unattainable! If Bank of America took into consideration an income of {$37000.00} annually or {$3000.00} per month, less a real estate tax of approximately {$15000.00} or {$1200.00}, ( which is substantially higher presently ) both of which I informed Bank of America were the amounts during XXXX, this would leave {$1800.00} less the TPP offer of {$1800.00} would leave {$3.00} left to pay Home Insurance and all other bills. Had XXXX XXXX, a Senior Resolution Specialist of Regulatory Complaints done the research as carefully as he states, this information would have most certainly been known to him. This was just another attempt from Bank of America trying to take away attention from the facts! \n\nBank of America continues to try and cover up its mistakes! In my written complaints submitted to the CFPB, I mentioned a list of documents which shows all the discrepancies regarding my wife 's signature and other various mistakes. Along with the list I explained what was wrong with each document on the list. In turn, Bank of America sent with their latest response a list of documents, that were produced from their research. However, the list, conveniently, excluded numerous documents that my list contained. These documents are vital as a whole, not just the documents Bank of America chooses. \nBank of America claims that their research has uncovered no reasonable factual basis to substantiate my claims of forgery! I have explained many reasons that substantiate my claim of forgery which Bank of America chooses to ignore. They have all the documents involved. \n\nXXXX  Line Agreement Item # 5 Titled 'Security ' states- \" To secure payment of all sums I owe you under this Agreement, and any extension, renewal or modification of the Agreement, and to secure all charges under the mortgage of the Property securing the Account, I am giving you a mortgage ( \" Mortgage '' ) on my real property located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. '' This property is jointly owned and was not mine alone to give! \nI informed Bank of America that the XXXX Line Agreement document contains only my signature. Below my signature is a space for a 2nd borrower signature which is left blank. This document suggests that the property is my real property alone. Nowhere does it indicate that this is a jointly owned property. Also, nowhere on this document is a XXXX XXXX representatives signature, although on page 1 of 3 there is a space provided with no signature present. \n\nThe XXXX XXXX Open-End Mortgage document shows differences. On 3 separate occasions, I received a copy of this document from Bank of America. One copy shows below the borrowers printed names, in hand written form, on page 1 of 6 the # XXXX with the Maturity Date XX/XX/XXXX. The second copy again shows in hand written form, on page 1 of 6 the # XXXX with the Maturity Date XX/XX/XXXX, however the maturity date is highlighted in yellow. The third copy again shows in hand written form, on page 1 of  6 the # XXXX with the Maturity Date XX/XX/XXXX, except the first 10 digits blacked out. Clearly something is amiss! Which document is the original? \nOn page 5 0f 6 on all 3 copies, shows the obvious difference in the signature from XXXX being signed with the R being significantly different along with the spacing of the name and most convincing is the different shades of ink! \nAlso, on page 5 of 6. my name is in is in print below my signature and my wife 's name is in hand written form rather than in print form. Lastly, on all 3 copies, the notary certificate is mostly missing and the actual seal is not seen at all. This document shows both myself and my wife listed as BORROWER ( S ) /MORTGAGOR ( S ). Yet, the XXXX Agreement has me alone giving the mortgage!\n\nThe CONSENT TO SECURITY AGREEMENT states- \" The undersigned is not personally obligated to pay the XXXX  Line Agreement. '' How is this possible if the undersigned grants the Bank a security interest in the property. \nThis document is the most important document and yet, Bank of America, conveniently, fails to mention it. There is neither a notary signature nor a notary seal present on this very important document which was done at the same time as the XXXX XXXX Open-End Mortgage document! Both documents witnessed by XXXX XXXX! \n\nModification to Bank of America Equity Maximizer Agreement and Disclosure Statement clearly shows that I am the only borrower. It states \" IN WITNESS WHEREOF, the Borrower signs this Modification Agreement as an instrument UNDER SEAL, effective as of the date first set forth above. EACH BORROWER ACKNOWLEDGES RECEIPT OF THIS MODIFICATION AGREEMENT. '' No seal is present. \nOn paragraph 2. Titled \" AGREEMENT '' states - \" Borrower is indebted to Bank with the terms and conditions of a certain open-end credit plan which is evidenced by the Agreement dated with an original Credit Limit of {$200000.00} and bearing interest thereon and delivered by Borrower to Bank. '' No date is present! \n\nRegarding Mr. XXXX XXXX response to the Modification of Security Instrument stating \" We understand your concern  regarding the notary seal on the enclosed Modification of Security Instrument dated XX/XX/XXXX. Our research indicates that the notarial certificate is present and valid. '' My copy of the Modification of Security Instrument shows that on Page 1 of 4 my name is the only name present. On Page 3 of 4, my signature is NOT present and yet the notary signature is present and a notary seal ( stamp ) is not visible. On Page 4 of 4 A completely different Notary who resides in Florida signed the Letter Acknowledgement and again no seal ( stamp ) is visible. ON page 2 of 4, there are 2 signatures with neither a notary signature nor a notary seal visible! This page clearly has space for the notary signature and seal to be present, and yet the seal is on a separate page. \nWhat good are notary seals if they are omitted from the page that have the only signatures on the document? \nIn addition, I have 2 copies in which one copy on page 1 of 4 at the  bottom to the right of my name is a space blacked out followed by the number XXXX. The other copy shows just the space followed by the number XXXX! Why the difference? It is obvious that changes were made! \n\nWhen Mr XXXX wrote, \" We previously researched and responded to your concerns in the enclosed letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX XXXX. We've refrained from providing copies of the related enclosures for these responses as they've been provided on several occasions. '' He did so on behalf of Bank of America. \nBank of America did not respond to my concerns! Within those letters, I requested copies of all the documents used to evaluate and approve the income verification process. Instead, I was sent documents unrelated to my request. By ignoring my request for those documents, Bank of America assumes, somehow, I will forget about them! And therefore, no need to include them in their research! \n\nThis Modification should never have been approved! Bank of America should have carefully considered the XXXX XXXX  documents and realized their mistakes. Instead, Bank of America added their own mistakes to the list. The XXXX XXXX  credit line was approved using only the stated income. By not verifying income, and without taking into account the real estate taxes and other bills relating to determining whether or not a loan should be approved is totally irresponsible. Therefore, the modification should have been denied! \n\nI have made numerous attempts to have this issue resolved, but to no avail. \nXXXX XXXX, the latest of many, and Senior Resolution Specialist of Regulatory Complaints assured me that he would  carefully review all the documents along with all the correspondence sent. It is quite obvious to me that the care needed to resolve this issue was not done in earnest. Bank of America is looking out for their own best interest rather than recognizing the wrongdoings. \n\nOnce again, it is obvious, Bank of America has failed to examine the documents and correspondence thoroughly!","date_sent_to_company":"2020-08-25T15:51:22.000Z","issue":"Struggling to pay your loan","sub_product":"Personal line of credit","zip_code":"077XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3813176","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-08-25T15:04:51.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I informed Bank of America that in no way would I be able to <em>make</em> the increased payments. \n\nBank of America had to know that the TPP offer {$1800.00} a month or XXXX annually was 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