{"took":321,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":312,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9961627","_score":19.127071,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Affirm was responded to regarding what they requested in regards to me calling them to verify my identity on, XXXX XXXX at XXXX. The representative has advised an escalation to their team for investigation of the charge off accounts will be reviewed with the conversation on this day and the CFPB complaint submitted on, XX/XX/year> will be attached to the escalation. I requested that it be notated to the account that Affirm has not done their due diligence in over 6 months when properly accessing and investigating this account. Affirm alleges they loaned me money and that is a lie. As indicated I provided the equity in the transaction when I signed the promissory note, Affirm has no superior claim as they provided no equity in this transaction. Affirm Has yet to provide a copy of the 1099c ( copyB ) that they must provide to the IRS for proper and accurate book-keeping for accounting purposes and their compliance with the Securities Exchange Commission XXXX which would be provided to myself as proof that this loan has been charged off and used to be reported as income. All information that Affirm has alleged is false, even if the 1099c was to be provided to myself it is still false as indicated there was never any loan. I provided the equity therefore I have superior claim. Proper investigation is to be conducted for the lies alleged by Affirm and correct reporting to the credit file and any errors shall be fixed according to 15 U.S.Code 1692. Affirm is in violation of inaccurate reporting of accounts to the consumer credit file and Securities Fraud within the Securities Exchange Commission. I am also requesting all Federal Reserve Notes that I provided to Affirm are returned to myself for Affirm false and misleading and fraudulent activity. It is of truth that Affirm has never loaned me any money. Affirm/ Bank does not loan money. Affirm has fabricated and created a false loan receiving assets from the Promissory note, then creating a false reality that I owed them.","date_sent_to_company":"2024-08-30T15:08:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48091","tags":null,"has_narrative":true,"complaint_id":"9961627","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2024-08-30T14:33:21.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Affirm has fabricated and <em>created</em> a false loan receiving assets from the Promissory note, then <em>creating</em> a false reality that I owed <em>them</em>."]},"sort":[19.127071,"9961627"]},{"_index":"complaint-public-v1","_id":"6686748","_score":17.65008,"_source":{"product":"Checking or savings account","complaint_what_happened":"I received an email on XX/XX/XXXX, from Capital One, signifying that someone had updated my phone number with the company. I looked at this as a potential scam or phishing because I have never done business with or worked with Capital One. I received another email on the XX/XX/XXXX, notifying me of a newly created checking account with Capital One 360 checking. Again, I never have done business with Capital One or created any accounts myself with them. \nI called Capital One the XX/XX/XXXX and asked if there was an account in my name. They found an account was opened on XX/XX/XXXX ( that I did not create ). I asked them to close it and provide me the creator 's identity or the details of the creation of the account. They told me that it would take XXXX business days. \nI never heard anything. \nI called today, XX/XX/XXXX to confirm that the account was closed and was told that they can not give me any information due to privacy and security restrictions. I explained to them that this is not what was originally told to me and this is my identity that has been stolen. \nI need to find out who created my account and to take legal action against that party. I have a right to know that information, being as I am the victim. \nAfter researching online, I am not the only victim of this situation. There is a reoccurring theme of Capital On opening fraudulent accounts.","date_sent_to_company":"2023-03-13T16:26:14.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"33991","tags":null,"has_narrative":true,"complaint_id":"6686748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-03-13T16:02:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["I received another email on the XX/XX/XXXX, notifying me of a newly <em>created</em> checking <em>account</em> with Capital One 360 checking. Again, I never have done business with Capital One or <em>created</em> any <em>accounts</em> <em>myself</em> with <em>them</em>. \nI called Capital One the XX/XX/XXXX and asked if there was an <em>account</em> in my name. They found an <em>account</em> was opened on XX/XX/XXXX ( that I did not <em>create</em> ). I asked <em>them</em> to close it and <em>provide</em> me the creator 's identity or the details of the creation of the <em>account</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["<em>Account</em> opened as a result of fraud"]},"sort":[17.65008,"6686748"]},{"_index":"complaint-public-v1","_id":"3238168","_score":15.448189,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX and my TransID is XXXX. On XX/XX/2019, a XXXX XXXX cashier associate fraudulently created a line of credit without my permission including the use of an incorrect social security number to be filled under the creation of the account. On XX/XX/2019, I contacted Transunion for guidance and requested XXXX XXXX to submit a deletion of credit inquiry directly to Transunion. I have been informed, by Transunion, that the removal of the credit inquiry will take place when this cover letter is received by myself and the deletion of credit inquiry is received by XXXX XXXX. \n\nOn XX/XX/2019, I contacted Transunion for a status update as it is only a few days away from the 60 day timeframe. Transunion informed me that they received my cover letter that was mailed to them but did not receive the letter of deletion of credit from XXXX XXXX. I informed the representative that XXXX XXXX does not provide the customer a copy of the letter and that it is electronically sent to Transunion. Transunion persistently said that the matter is still open until I provide a copy of the letter of deletion of credit. However, I am unable to according to XXXX XXXX. \n\nI will be filing a claim against both agencies as their processes are not aligned with one another. Please determine the correct coarse of action whether Transunion is able and should receive electronic letters of deletion of credit or if XXXX XXXX must provide the customer a copy of the letter of deletion of credit. In addition, XXXX XXXX automatically opens a line of credit with simply a drivers license without validating the correct social security number.","date_sent_to_company":"2019-05-10T14:59:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"945XX","tags":null,"has_narrative":true,"complaint_id":"3238168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-05-10T14:59:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["On XX/XX/2019, a XXXX XXXX cashier associate fraudulently <em>created</em> a line of credit without my permission including the use of an incorrect social <em>security</em> number to be filled under the creation of the <em>account</em>. On XX/XX/2019, I contacted Transunion for guidance and requested XXXX XXXX to submit a deletion of credit inquiry directly to Transunion."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.448189,"3238168"]},{"_index":"complaint-public-v1","_id":"14224925","_score":15.4444475,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am locked out of my Experian account and unable to access my credit report or place a security freeze. This is extremely urgent because my Social Security number has been compromised and I need to freeze my credit file to protect myself from fraud. \n\n\n\nWhen I attempt to verify my identity through Experians online system ( Verify a different way ), I enter my correct phone number and the last 4 of my Social Security Number, but I never receive the verification code by text or phone call. As a result, I can not log in or secure my credit file. \n\n\n\nI have called Experians customer service phone numbers ( XXXX and XXXX ) multiple times, but the automated phone system does not provide any option to speak to a live representative. No matter what I say including fraud department, identity theft, or representative the system keeps cycling me through automated responses and will not connect me to a person. \n\n\n\nAt this point, I am unable to protect my personal information because I can not access my account or place a credit freeze with Experian. Given that my Social Security number has been compromised, I urgently need Experians assistance to secure my credit file. I am requesting immediate contact from a live agent to help resolve this issue. \n\nThis was the worst customer service experience I have ever encountered. They are supposed to be keeping our credit safe, but this is actually putting me at a greater risk because they are creating such terrible roadblocks to people being able to reach them when they need it urgently.","date_sent_to_company":"2025-06-21T20:25:13.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"19145","tags":null,"has_narrative":true,"complaint_id":"14224925","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-21T20:10:57.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["They are supposed to be keeping our credit safe, but this is actually putting me at a greater risk because they are <em>creating</em> such terrible roadblocks to people being able to reach <em>them</em> when they need it urgently."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.4444475,"14224925"]},{"_index":"complaint-public-v1","_id":"3238227","_score":15.411503,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX and my TransID is XXXX. On XX/XX/2019, a XXXX XXXX cashier associate fraudulently created a line of credit without my permission including the use of an incorrect social security number to be filled under the creation of the account. On XX/XX/2019, I contacted XXXX  for guidance and requested Synchrony Bank to submit a deletion of credit inquiry directly to XXXX. I have been informed, by XXXX, that the removal of the credit inquiry will take place when this cover letter is received by myself and the deletion of credit inquiry is received by Synchrony Bank. \n\nOn XX/XX/2019, I contacted XXXX for a status update as it is only a few days away from the 60 day timeframe. XXXX  informed me that they received my cover letter that was mailed to them but did not receive the letter of deletion of credit from Synchrony bank. I informed the representative that Synchrony bank does not provide the customer a copy of the letter and that it is electronically sent to XXXX. XXXX  persistently said that the matter is still open until I provide a copy of the letter of deletion of credit. However, I am unable to according to Synchrony Bank. \n\nI will be filing a claim against both agencies as their processes are not aligned with one another. Please determine the correct coarse of action whether XXXX  is able and should receive electronic letters of deletion of credit or if Synchrony bank must provide the customer a copy of the letter of deletion of credit. In addition, Synchrony bank automatically opens a line of credit with simply a drivers license without validating the correct social security number.","date_sent_to_company":"2019-05-10T14:59:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"945XX","tags":null,"has_narrative":true,"complaint_id":"3238227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2019-05-10T14:32:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["On XX/XX/2019, a XXXX XXXX cashier associate fraudulently <em>created</em> a line of credit without my permission including the use of an incorrect social <em>security</em> number to be filled under the creation of the <em>account</em>. On XX/XX/2019, I contacted XXXX  for guidance and requested Synchrony Bank to submit a deletion of credit inquiry directly to XXXX."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.411503,"3238227"]},{"_index":"complaint-public-v1","_id":"8042487","_score":15.133593,"_source":{"product":"Credit card","complaint_what_happened":"USAA Federal Savings Bank, at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, will not accept my negotiable instruments and securities, or use my applications as tender of payment for my credit card or auto insurance policy. As a member of the Federal reserve system, USAA has access to the Federal reserve window to withdraw Federal reserve notes using my negotiable instruments and applications. USAA does not return my financial instruments that I have added value to, or my securities. \n\nUSAA violates the FDCPA by creating false and misleading statements to make it appear that I owe them payments, when actually the statements are for dividends the bank owes me as an undisclosed investor. However, they provide no direction on how I may register transfer my securities through their direct holding system to start receiving payments as the entitlement holder. I removed USAA 's security interest in my accounts in XXXX. \n\nIn XXXX I opted out of authorizing USAA to report consumer credit transactions between myself and USAA. When I viewed my consumer credit reports in XXXX my nonpublic personal information was still being reported. USAA also reports my banking transactions to XXXX XXXX XXXX. I have never filled out any Form SSA-89 to have my principal 's SSN released. These are violations of the FCRA. \n\nI have also concluded that in XXXX a USAA employee made a friendly phone call to me to deceptively create a verbal contract that I had no intention of entering into. \n\nList of registered/certified mailings of tenders to USAA Federal Savings Bank XXXX XXXX Rescission of security interest and tender received by USAA on XXXX XXXX ( all years XXXX  ) XXXX Tender received by USAA on XXXX XXXX XXXX Tender received by USAA XXXX XXXX XXXX XXXX XXXX Tender received by USAA XXXX XXXX XXXX XXXX XXXX Opportunity to cure received by USAA XXXX XXXX XXXX XXXX XXXX Default received by USAA XXXX XXXX XXXX XXXX XXXX Tender received by USAA XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-12-21T16:28:38.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"856XX","tags":null,"has_narrative":true,"complaint_id":"8042487","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-12-21T16:17:13.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["USAA violates the FDCPA by <em>creating</em> false and misleading statements to make it appear that I owe <em>them</em> payments, when actually the statements are for dividends the bank owes me as an undisclosed investor. However, they <em>provide</em> no direction on how I may register transfer my <em>securities</em> through their direct holding system to start receiving payments as the entitlement holder. I removed USAA 's <em>security</em> interest in my <em>accounts</em> in XXXX."]},"sort":[15.133593,"8042487"]},{"_index":"complaint-public-v1","_id":"3479649","_score":14.362528,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"No citizen has directly and explicitly consented to the 3 credit reporting agencies. We citizens trust that you, the CFPB, will regulate and enforce supportable policies. \n\nExperian lost my personal data due to a preventable intrusion. I have since locked all my credit reports. Every single time I have tried to lock, unlock or even view my data at Experian I have failed their online security test to prove myself. I only ever fail security tests with Experian and never the others. They do not let me create a consumer account to manage my credit, they give me a PIN each time I lock/unlock my report. And every time I try to use the PIN for the next transaction, as should work, even their own PIN check fails. \n\nI am currently buying a house and must unlock all my credit reports for mortgage precertification. Once again, I breezed thru unlocking my credit reports at XXXX and XXXX but I failed the security test at Experian. And now I have to call them but only on weekdays during business hours. The exact same time I work. \n\nExperian clearly can't even manage to provide a proper system to verify my identity let alone have the proper protocols to secure their data internally. What steps are the CFPB taking to ensure that ( a ) our data is safe with Experian and ( b ) when we have life events requiring we access our data that we actually can do so and ( c ) to ensure that they are providing consumer support during non-traditional business hours?","date_sent_to_company":"2019-12-29T08:24:29.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"98008","tags":null,"has_narrative":true,"complaint_id":"3479649","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-12-29T03:05:30.000Z","state":"WA","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":["Every single time I have tried to lock, unlock or even view my data at Experian I have failed their online <em>security</em> test to prove <em>myself</em>. I only ever fail <em>security</em> tests with Experian and never the others. They do not let me <em>create</em> a consumer <em>account</em> to manage my credit, they give me a PIN each time I lock/unlock my report. And every time I try to use the PIN for the next transaction, as should work, even their own PIN check fails."],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.362528,"3479649"]},{"_index":"complaint-public-v1","_id":"9782777","_score":14.328026,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/year> - utilized Marcus by Goldman Sachs account to pay first month and security deposit of over {$3600.00} to rental management, this was my first transaction in the account other than funding it. There were no errors with transferring funds, the transfer cleared with Marcus and my rental agency XXXX XXXX XXXX XXXX XX/XX/year>- I attempted payment to same rental agency with second month fees using Marcus account, I received no notices flagging the transaction, no notices of transfer failing, no correspondence at all. \nXX/XX/year> - I received notice from my rental agency saying they did not receive funds for my XX/XX/year> transfer due to account frozen. \nXX/XX/year> - I called into Marcus customer services asking why account was frozen, I verified myself ID with name, DOB, SSN, and a secret passphrase. I was then escalated to the fraud department because they stated they could not verify who I am. The fraud department asked me to verify myself with PIN numbers sent to phone numbers they had in an outdated database that are not in service ( one was my mothers phone number from 10+ years ago, and the other was a number I had no idea about ). Because I could not verify using these numbers, they created a fraud case against me, and stated that they need 3-7 business days to come up with security questions to ask me so I can verify myself. They did not provide a case number, a reasoning behind the case and account freezing, and did not allow me to verify myself in other ways. They told me I had to wait, did not tell me who to contact, if I was going to be contacted, and did not send me any notice regarding the incident. \nXX/XX/year> - I called into Marcus customer service and was able to verify myself with the first support person using name, DOB, SSN, and secret passphrase. I was sent again to the fraud department where they again asked me to verify myself using the same ambiguous and non-existent phone numbers, and because I was not able to do this, they again said I had to wait. I asked to speak to a supervisor, they said they could not do that. They said to call back each of the next 3 days during business hours to reach a supervisor. \n\nThis account is used to send rent payments. I am now nearing 3 weeks of non-payment for my rent, and am being threatened that legal action will occur if I dont pay my rent. There has been no effort on Marcuss end to resolve the case. They are stalling. I understand that Goldman Sachs is trying to get out of consumer banking, and I believe these account freezes ( which are happening across the board to thousands of accounts with Marcus ) are intentional ways for them to relieve themselves of consumer banking indirectly.\n\nI would really appreciate if this was looked into. I am a college graduate with little savings trying to make it on my own and this experience with Marcus is impacting my life, career, and safety.","date_sent_to_company":"2024-08-14T00:06:24.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"06902","tags":null,"has_narrative":true,"complaint_id":"9782777","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-08-13T23:30:23.000Z","state":"CT","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Because I could not verify using these numbers, they <em>created</em> a fraud case against me, and stated that they need 3-7 business days to come up with <em>security</em> questions to ask me so I can verify <em>myself</em>. They did not <em>provide</em> a case number, a reasoning behind the case and <em>account</em> freezing, and did not allow me to verify <em>myself</em> in other ways. They told me I had to wait, did not tell me who to contact, if I was going to be contacted, and did not send me any notice regarding the incident."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Savings <em>account</em>"]},"sort":[14.328026,"9782777"]},{"_index":"complaint-public-v1","_id":"11017180","_score":13.956039,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year> I spent countless hours trying to speak to a human at Experian. Once I did get ahold of an individual, they told me to try logging in today XX/XX/year> as my account was locked from too many attempts of trying to log in. I tried using both my XXXX and XXXX mail credentials to log in, but to no avail. The security questions they provide when trying to use my XXXX account have nothing to do with me. Their system wants me to verify my account with the last XXXX digits of a phone number that I never had. Then ask me my favorite teacher in which I have never used as a security question, as I didnt have a favorite teacher. All of the problems stems back to my trying to get financing at XXXX  XXXX XXXX this past weekend and was told my account was frozen and they use Experian for their credit checks. I was forced to put the sale item on a credit card that charges interest as a result when I could have received XXXX  months at XXXX percent with exceptional credit. I have since tried to create an account and log in at Experian, but cant log in or sign up, nor change my password or anything. I have no recollection of ever creating account through them, but their system shows there is already an account with my email address. When I try to reset the password ( presuming I may have signed up in the past ) that is when I am prompted to verify myself by replying by text or by a phone call to a phone number that was never mine. Their system is messed up and I think they need to investigate who did use my email address to open an account. XXXX has been my email address ever since back in the day when XXXX came about. It is time to get my account corrected. For all I know they are using incorrect information to base my credit on. Both XXXX and XXXX show my current XXXX XXXX at XXXX. That is easily good enough to get financing about anywhere, assuming my account is not locked at Experian and false information about me is being used. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XXXX","date_sent_to_company":"2024-12-04T03:59:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"50208","tags":null,"has_narrative":true,"complaint_id":"11017180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-04T03:03:29.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have since tried to <em>create</em> an <em>account</em> and log in at Experian, but cant log in or sign up, nor change my password or anything. I have no recollection of ever <em>creating</em> <em>account</em> through <em>them</em>, but their system shows there is already an <em>account</em> with my email address. When I try to reset the password ( presuming I may have signed up in the past ) that is when I am prompted to verify <em>myself</em> by replying by text or by a phone call to a phone number that was never mine."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.956039,"11017180"]},{"_index":"complaint-public-v1","_id":"13071522","_score":13.742114,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This is the exact message I sent to square support twice. The first time it was on contact with a live agent. He couldn't have cared less about my situation and wouldn't help at all. So I rated my experience and let them know I would be contacting you as well. I would like to also say I haven't contacted legal aid but intend to this coming week as I am still being threatened by this person. I also then submitted this message again to the email that they sent me. \nSubject : Urgent Request for Review of Account Deactivation and Withheld Funds Dear Square Support, I recently received notice that my account has been deactivated due to security concerns, and that the associated funds will not be released. Im writing to formally request a review and reconsideration of this decision.\n\nI want to be fully transparent about what happened. I created an invoice at the direction of someone I was emotionally involved withsomeone I now realize was manipulating me both personally and financially. He instructed me to create a new Square account and send an invoice for {$500.00} to a newly created email accountan account he also told me to create and use. I followed his instructions and shared the payment link with him. On the invoice itself, I included XXXX XXXX and a personal note that said love you, because at the time, I was in love with him and trusted his intentions. \n\nLooking back, I had concerns, but I tried to do what I thought was right just in case something went wrong. I understand how this might appear suspicious to your system, but I want to clarify that I did not attempt to defraud Square or anyone else. I did not benefit from the money, and I was not knowingly violating Squares policies. \n\nSince then, Ive learned that this individual has also stolen my identity and is continuing to threaten me, including pressuring me to send him XXXX ( XXXX ) out of this very money. I am working with legal aid and gathering documentation to report this behavior and protect myself from further damage. \n\nPlease consider reviewing my account again. I am fully willing to provide ID and any verification needed. I strongly prefer communication by email and can be reached at Thank you for your time and consideration.","date_sent_to_company":"2025-04-19T20:24:45.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"416XX","tags":null,"has_narrative":true,"complaint_id":"13071522","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-04-19T19:51:48.000Z","state":"KY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am working with legal aid and gathering documentation to report this behavior and protect <em>myself</em> from further damage. \n\nPlease consider reviewing my <em>account</em> again. I am fully willing to <em>provide</em> ID and any verification needed. I strongly prefer communication by email and can be reached at Thank you for your time and consideration."]},"sort":[13.742114,"13071522"]},{"_index":"complaint-public-v1","_id":"1408437","_score":13.498463,"_source":{"product":"Student loan","complaint_what_happened":"Hi I am a co-signer on XXXX of my daughter 's student loans which is 'managed ' by American Educations Services of XXXX , PA ( XXXX ). Her loan became delinquent and, as a cosigner, they began collection proceedings on the account including phone calls and letters directed toward myself. That is fine, however the problem is they somehow entered an erroneous social security number for me in their system. In order to create an account and even look at balances, past due amount etc, in other words to be provided with a full disclosure of the debt they are holding me responsible for, a social security number is required. Thus I am in a strange and very unfair predicament where they are taking collection actions against me, including a threat to report the delinquent status to the major credit bureaus, but I have no access to the loan details! As far as I know there are laws against collection activity without full disclosure concerning the debt in question! I 've called multiple times and was told I have to send a photocopy of my social security card in order for them to update their records. They will not simply update it with information provided via phone call despite a lengthy identity verification Q & A - as if, in the age of digital photo editing, an image is any more secure?? So XXXX I sent a photocopy to the email address they provided, but they claim never having received it. Every time I call they place me on hold for XXXX min while 'researching ' the problem. I asked if they could simply supply an email address where I could send the photocopy, while on the phone with them, so I would know if they received it. they indicate for some reason they ca n't receive e-mail directly or something to that effect, and that request too is denied. so here again I 'm placed in an impossible situation! they ask me to send the photocopy to an email address, but refuse to provide me any confirmation they 've received it! Attempts to work with American Educational Services and resolve this problem have proven very time consuming. During that time, the loan status is continually ageing but I do n't have access to the necessary information in order to check the loan status, see when payments are due, for what amount, etc. I 've tried working with them to resolve the issue for approaching two months but the situation still drags on. I do n't have any recourse other than maybe hiring a lawyer but it is financially prohibitive.","date_sent_to_company":"2015-06-05T21:23:29.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"808XX","tags":null,"has_narrative":true,"complaint_id":"1408437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2015-06-05T21:23:28.000Z","state":"CO","company_public_response":null,"sub_issue":"Received bad information about my loan"},"highlight":{"complaint_what_happened":["Her loan became delinquent and, as a cosigner, they began collection proceedings on the <em>account</em> including phone calls and letters directed toward <em>myself</em>. That is fine, however the problem is they somehow entered an erroneous social <em>security</em> number for me in their system. In order to <em>create</em> an <em>account</em> and even look at balances, past due amount etc, in other words to be provided with a full disclosure of the debt they are holding me responsible for, a social <em>security</em> number is required."]},"sort":[13.498463,"1408437"]},{"_index":"complaint-public-v1","_id":"13697058","_score":13.354888,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) Complaint Template Date : XX/XX/year> Complainant Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : [ XXXX XXXX XXXX ] Email : [ XXXX XXXX XXXX ] Company : MRS BPO , LLC XXXX XXXX XXXX ( XXXX  ) Issue : Identity Theft / Incorrect Credit Reporting / Unlawful Collection Description of Complaint : The account in question was fraudulently created under the name 'XXXX XXXX, ' a name I have never legally used or authorized. This name is not associated with my Social Security number through the SSA or DMV, yet XXXX  ( XXXX XXXX ) opened an account using that name and tied it to my Social Security numberwithout my knowledge or consent. \n\nI did not initiate or authorize this account. When I contacted XXXX  and later MRS BPO ( the collection agency now attempting to collect on the debt ), I informed them that the name was invalid and the account unauthorized. I was ignored. Instead of correcting the error, they proceeded to report the debt to credit bureaus under my Social Security number for a total of {$1000.00}. \n\nA representative attempted to claim that I had 'acknowledged ' the debt simply because I confirmed that it appeared on my credit report. That is false. Acknowledging the presence of an error is not the same as accepting responsibility. I made it clear that I did not open the account and that I needed help removing it. \n\nUpon contacting the company to dispute the account, I spoke with a representative who was dismissive of my concerns. I informed her that the name on the accountXXXX  XXXX invalid and not legally associated with me. Despite this, she attempted to claim that I had 'acknowledged ' or accepted responsibility for the account. That is entirely false. Acknowledging that the account appeared on my credit report is not the same as admitting ownership or liability. \n\nEven if any equipment, bills, or legal documentation had been sent to me, I would not have been able to legally accept them. My government-issued credentialssuch as my ID, drivers license, and Social Security recordsdo not display the name XXXX XXXX, and I have never held legal authority to transact under that name. Therefore, any account opened in that name and tied to my Social Security number was unauthorized, invalid, and a direct violation of identity verification protocols. \n\nIt is also critical to note that at no point was the account corrected, modified, or transitioned into my legal identity in a way that would have authorized me to access, manage, or take control of it. I was never given the opportunity to legally assume responsibility, nor was I ever provided a path to correct the name on the account. I had no legal authority over the services tied to that account, and yet it was still reported against my Social Security number, without correction or remedy. This further reinforces that I was treated as liable for a debt tied to an identity that was never mine. \n\nDespite the fact that I paid off the phones and made payments out of fear of negative consequences, XXXX refused to update the account to reflect my legal name. They accepted my moneywithout hesitationbut rejected my requests to correct the name on the account. As a result, all equipment, bills, and communications were sent under a name I do not legally possess. The account was originally created using my Social Security number and an invalid name, yet I was never granted legal control over the account. This is a clear abuse of consumer trust, a failure of identity verification, and a violation of my rights under the Fair Credit Reporting Act. Their willingness to accept payments while refusing to legitimize my identity is not just unethicalit is evidence of systemic negligence and exploitation. \n\nAdditionally, this account was created during the COVID-19 pandemic, a time when XXXX received federal broadband subsidies to provide internet access. They took public funds while bypassing proper ID verification, then turned around and aggressively pursued consumers for repayment once those programs endedincluding individuals like myself who never legally authorized any service. \n\nRequested Relief : - Immediate deletion of the account from all credit bureaus - Cease and desist all collection activity - Written confirmation of resolution- Regulatory investigation and penalties for FCRA violations and mishandling of identity","date_sent_to_company":"2025-06-02T12:14:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"64152","tags":null,"has_narrative":true,"complaint_id":"13697058","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"MRS BPO, LLC","date_received":"2025-05-25T01:50:39.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Additionally, this <em>account</em> was <em>created</em> during the COVID-19 pandemic, a time when XXXX received federal broadband subsidies to <em>provide</em> internet access. They took public funds while bypassing proper ID verification, then turned around and aggressively pursued consumers for repayment once those programs endedincluding individuals like <em>myself</em> who never legally authorized any service."]},"sort":[13.354888,"13697058"]},{"_index":"complaint-public-v1","_id":"6987324","_score":13.274634,"_source":{"product":"Debt collection","complaint_what_happened":"My personal information had already been compromised due to cybercrime. I constantly have had to dispute and close different cards with my bank ( which there is proof for ) because every time I open one I see charges I have not made from places I have never been to or companies I have never bought from. This includes my personal email. This too, is compromised. I have tried different things to secure my information on my computer but, someone either has my social security number or for some reason it's easy for them to link my information and no matter how many times I change things, this keeps happening. This I mention in case it's the same situation with the following ; Affirm was an extension someone recommended to try to see if I prequalify for a loan and what would that look like. This was once when I was looking for a flight ticket that I ended up deciding to buy myself like I've always done, I've never taken a loan. And I didn't even choose the same airlines or dates. I did not agree to receiving the loan, I did not sign anything, receive any sum of money or was able to confirm if the airlines did because Affirm would not provide this information. I'm sure I didn't because airlines send a confirmation and information about your flight and also because I didn't actually create any ticket at the time but, some day later when I paid for it myself. I have disputed this with Affirm many times, escalated and since the beginning, they have only taken my information to \" confirm '' it's me ( like social security number ). I believe they have only done this to finish adding information to the completion of my profile or account with them. The only help I have gotten is an email asking for proof for the dispute which I can't give them because Indeed, I did not take the loan therefore, don't have proof of that. How could I explain I don't have money that was never given to me when what this company only provides is the name of an airlines? That time, I didn't even fly with the same airlines! When I call the airlines, I'm told it must be a scam if they can't provide me with information to even verify or find the ticket. Then, I'm told by an attorney that I have nothing to do with the airlines, Affirm is the one assuring I was given a loan or agreed to it. I have no way of confirming this, only Affirm 's word. If they gave it to the airlines, at least the airlines should be able to confirm this or agree in some way to receive this. But, the conflict is with Affirm. This debt keeps growing and when I finally wanted to take a car loan I was denied this when they ran my credit. I've also disputed this online with XXXX and it's being denied. Keeps happening for months now. I've never been a bad payer but, I've never consented to this.","date_sent_to_company":"2023-05-16T16:15:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"Payday loan debt","zip_code":"32725","tags":null,"has_narrative":true,"complaint_id":"6987324","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2023-05-16T14:39:56.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I'm sure I didn't because airlines send a confirmation and information about your flight and also because I didn't actually <em>create</em> any ticket at the time but, some day later when I paid for it <em>myself</em>. I have disputed this with Affirm many times, escalated and since the beginning, they have only taken my information to \" confirm '' it's me ( like social <em>security</em> number ). I believe they have only done this to finish adding information to the completion of my profile or <em>account</em> with <em>them</em>."]},"sort":[13.274634,"6987324"]},{"_index":"complaint-public-v1","_id":"6984258","_score":13.23895,"_source":{"product":"Checking or savings account","complaint_what_happened":"Starting XX/XX/XXXX at XXXX I applied for a credit card with Capital One after getting approved and notified that my card was on the way I was prompted to log into an account that was fraudulently setup in my name XX/XX/XXXX. I explained that this accounts was not me and expressed that I need the account completely closed so that way I can make my own account. They stated I can not do that at the time due to customer protection not being opened. The next day at XXXX XXXX I gave them a call and spoke to the department explained the situation expressed I need to be able to log in to pay things like for the credit card I just signed up for. They stated they cant provide me with a log in or any information in reference to the account even though I gave them my full social security number to pull up the account as well as my first and last name. They refused to give me the information about the account as well as would not even provide with the last name of the people I was speaking with. That afternoon I went to my local sheriffs department gave the deputy authorization to speak on my account and they gave information, but only the last 4 of the account numbers and that in XXXX hours my account will be closed and I can recreate one to access my credit card that I just applied for. The next day on XX/XX/XXXX I called in before attempting myself they stated it was all ready and I can create another account. This is information was false as well as they kept changing when my account where closed during this process. They told me I have to wait another 24 hours and gave me the same explanation the past 2 days. Frequent told them about the situation and how all this is going on. Today I spoke with a manager he laughed when I asked to speak with his supervisor due to managers not assisting me then stated he will be the highest I can speak to. He told me he would get me transferred to a department that can assist me a voicemail played that said due to the status of your account we cant assist you and then it hung up.","date_sent_to_company":"2023-05-17T00:30:20.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"23061","tags":null,"has_narrative":true,"complaint_id":"6984258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-05-17T00:09:16.000Z","state":"VA","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["The next day at XXXX XXXX I gave <em>them</em> a call and spoke to the department explained the situation expressed I need to be able to log in to pay things like for the credit card I just signed up for. They stated they cant <em>provide</em> me with a log in or any information in reference to the <em>account</em> even though I gave <em>them</em> my full social <em>security</em> number to pull up the <em>account</em> as well as my first and last name."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_issue":["Can't close your <em>account</em>"]},"sort":[13.23895,"6984258"]},{"_index":"complaint-public-v1","_id":"5986388","_score":13.215458,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have been experiencing suspicious activity from my XXXX bank. Ive made complaints and the organization was not taking my concerns seriously. I ordered cards and changed my security and suspicious activity continued. I did not feel like my funds were safe and decided to create a new checking account. \nOn XX/XX/22 I chose to discover bank as I liked the perks and what they had to offer. I was disappointed at the time ; they were not offering a checking account due to some company update. I told myself, Ill wait and make savings account to secure my funds. I make a {$500.00} transfer from XXXX to Discover bank. I realized I transferred everything leaving me with {$0.00} to cover for daily expenses like gas. I transfer {$60.00} back from discover to XXXX but my card was locked and became suspended. Ive even paid 1 or 2 bills using my discover ACCT # and R # discover since I couldnt use the XXXX card. Yesterday XX/XX/22, I moved {$250.00} from XXXX to discover, and then discover sends an email that my account is suspended for suspicious activity and provided me with no explanation. I called them and I was informed that the bank made a decision to close the account. They did not provide an explanation. I filed a complaint with them. I do not understand whats suspicious about me slowly transferring all my funds to Discover. The worst part of it all is that they are withholding my {$500.00} for 60 days and I have a major concern with that. That does not sound legal to me, I need someone to help me resolve this or to at least reconsider opening or sending {$500.00} as soon as possible.","date_sent_to_company":"2022-10-06T18:22:26.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"35235","tags":null,"has_narrative":true,"complaint_id":"5986388","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2022-09-15T18:52:26.000Z","state":"AL","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I ordered cards and changed my <em>security</em> and suspicious activity continued. I did not feel like my funds were safe and decided to <em>create</em> a new checking <em>account</em>. \nOn XX/XX/22 I chose to discover bank as I liked the perks and what they had to offer. I was disappointed at the time ; they were not offering a checking <em>account</em> due to some company update. I told <em>myself</em>, Ill wait and make savings <em>account</em> to secure my funds. I make a {$500.00} transfer from XXXX to Discover bank."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Savings <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[13.215458,"5986388"]},{"_index":"complaint-public-v1","_id":"10505831","_score":13.201517,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against Bank of America for its ongoing unlawful and deceptive actions concerning the offset of my personal checking account funds ( XXXX ( Adv SafeBalance Banking Account ) to satisfy a business credit card debt. Despite multiple attempts to resolve the issue, Bank of America continues to withhold the money without providing any meaningful mechanism to dispute the transaction. Furthermore, Bank of America 's actions are based on a purported future security interest that was never properly disclosed or agreed upon, and which would be unconscionable under the circumstances. Below is a detailed account of the violations : Bank of America debited {$4500.00} from my personal checking account ( all money I had to provide a living to me and my XXXX children ) without my knowledge or consent or prior disclosure of any security interest. I did not grant Bank of America a security interest in my personal checking account when I the travel reward business credit card in 2019, nor would I ever have knowingly agreed to such a broad and sweeping waiver of my rights over personal funds. It would be unconscionable for me to have granted such a security interest in all future personal accounts. At the time of opening the business credit card in 2019, I had no way of knowing what future accounts I would hold or whose money I might be managing in those accounts. The funds currently withheld by Bank of America are the only money I have to support myself and my XXXX children. Allowing Bank of America to withhold these funds without prior notice and based on a vague or non-existent agreement would cause extreme financial hardship. \nUnder 15 U.S.C. 1666h, any security interest in a consumer account must be separately disclosed and explicitly agreed upon by the account holder. Bank of Americas failure to disclose this purported security interest constitutes a deceptive and misleading business practice, in violation of federal law. \nBank of America violated 15 U.S.C. 1666h, which prohibits a card issuer from offsetting a cardholder 's debt from a consumer credit transaction against funds in a deposit account unless certain conditions are met. The business credit card debt in question is completely unrelated to my personal checking account, yet Bank of America continues to withhold personal funds from my account to satisfy this business obligation. \nBank of Americas actions are a direct violation of federal consumer protection laws that are designed to ensure personal funds are not wrongfully seized to pay off unrelated debts without proper disclosure or consent. By withholding my personal funds without notice or a proper legal basis, Bank of America has left me without the financial means to provide for my family. \nBank of America offset {$4500.00} from my personal checking account without any prior notice or my consent. I was not given any opportunity to resolve this matter amicably or to explore other arrangements before the funds were taken. The lack of notice and failure to obtain my consent violates fundamental principles of fairness, transparency, and my contractual and statutory rights. \nBank of America 's actions have placed me and my family in significant financial distress, as I rely on these personal funds for basic living expenses. The unlawful withholding of these funds has left me unable to support my XXXX XXXX  children, creating severe hardship for our household. \nDespite multiple attempts to resolve this matter with Bank of America, they have failed to provide me with a copy of the purported agreement that supposedly grants them the right to offset my personal checking account. Bank of America continues to send me between customer service and branch offices, neither of which have produced any documentation. This lack of transparency and refusal to provide a proper dispute mechanism is not only frustrating but violates my rights as a consumer. \nThere has been no mechanism offered by Bank of America to effectively challenge this transaction, despite my repeated requests. Bank of America continues to withhold my personal fundsfunds that are essential for the well-being of myself and my XXXX childrenwithout giving me any recourse to dispute the matter under the law. \nAfter debiting my account to almost XXXX without my knowledge, BoA now charges me a maintenance fee for failure to maintain a balance on the account!","date_sent_to_company":"2024-10-18T15:19:34.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"10301","tags":null,"has_narrative":true,"complaint_id":"10505831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-10-18T14:50:07.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The unlawful withholding of these funds has left me unable to support my XXXX XXXX  children, <em>creating</em> severe hardship for our household. \nDespite multiple attempts to resolve this matter with Bank of America, they have failed to <em>provide</em> me with a copy of the purported agreement that supposedly grants <em>them</em> the right to offset my personal checking <em>account</em>. Bank of America continues to send me between customer service and branch offices, neither of which have produced any documentation."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["Checking <em>account</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.201517,"10505831"]},{"_index":"complaint-public-v1","_id":"2487545","_score":13.177456,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Since  XXXX   XXXX ,  XXXX   XXXX   XXXX , a collections company, whom I have NEVER done business with nor have I ever had an account with, has been reporting a Debt Buyer Account on my   XXXX   credit report an amount of {$410.00}. I have disputed this account with   XXXX   and was told by them that they verified this account as being mine, which it 's not.     As instructed on the  XXXX  investigation report, I have called  XXXX  at the number provided on the credit report numerous times to dispute this matter using the account number provided by  XXXX  which appears on the investigation report. For my own protection, I am refusing to give  XXXX  any additional information -- especially my SS # to a collection company in the event they make any additional inquiries which ought also need to be removed from my credit profile. Although I provided  XXXX  with the account number, my name and address to verify my identity to them as it appears on my   XXXX   report to identify myself as the person disputing the erroneous and damaging information they are reporting on credit profile,  XXXX  refuses to discuss this account with me because I refuse to give them the  last 4 digits of my  Social Security number, citing privacy protection.     After their many attempts to justify their reason of needing my social security number to identify me they used  one of the ir internal systems to access my name and number through their system and asked me to confirm the last  XXXX  digits of my SS # which the agent named \"  XXXX  '' said she had my full social security number in front of her as proof that  XXXX  performed an UNAUTHORIZED CREDIT CHECK which appears on my credit report and have not provided any information besides stating a DEBT BUYER ACCOUNT. I told  XXXX , I knew my rights under FCRA and by providing a company issued account number, that I did n't have to provide my SS # as reasonable ID -- particularly to a DEBT COLLECTOR speaking on a RECORDED LINE ; who would ultimately use my information in their own pursuit of debt collection activities.     Also, inany of my disputes neither  XXXX  nor  XXXX  has provided any additional information to me such as a statement or contract to indicate the origin of this collection debt, to resolve this matter, since I have never had any dealings at all with  XXXX , no contracts, no signed agreements, no nothing. On  XXXX   XXXX ,  XXXX , I applied for an apartment and my application came back saying I had to provide an additional {$720.00} Security deposit because  XXXX  has placed this on my credit report -- fraudulently and illegally. This is even more frustrating because they say date of first delinquency is in  XXXX ,  XXXX , date opened,  XXXX ,  XXXX ,  XXXX  and have been reporting this since  XXXX  of  XXXX , creating numerous erroneous inquiries among my other credit reports ( i.e.  XXXX ,  XXXX , Experian Rental  Bureaus   ), a s well.     I pray you can help me get this sorted out. Thank you.","date_sent_to_company":"2017-05-17T05:14:30.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32258","tags":null,"has_narrative":true,"complaint_id":"2487545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-05-17T01:14:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Although I provided  XXXX  with the <em>account</em> number, my name and address to verify my identity to <em>them</em> as it appears on my   XXXX   report to identify <em>myself</em> as the person disputing the erroneous and damaging information they are reporting on credit profile,  XXXX  refuses to discuss this <em>account</em> with me because I refuse to give <em>them</em> the  last 4 digits of my  Social <em>Security</em> number, citing privacy protection."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.177456,"2487545"]},{"_index":"complaint-public-v1","_id":"2487542","_score":13.169634,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Since XX/XX/XXXX, XXXX XXXX XXXX, a collections company, whom I have NEVER done business with nor have I ever had an account with, has been reporting a Debt Buyer Account on my XXXX credit report an amount of {$410.00}. I have disputed this account with XXXX and was told by them that they verified this account as being mine, which it 's not. As instructed on the XXXX investigation report, I have called XXXX at the number provided on the credit report numerous times to dispute this matter using the account number provided by XXXX which appears on the investigation report. For my own protection, I am refusing to give XXXX any additional information -- especially my SS # to a collection company in the event they make any additional inquiries which ought also need to be removed from my credit profile. Although I provided XXXX with the account number, my name and address to verify my identity to them as it appears on my XXXX report to identify myself as the person disputing the erroneous and damaging information they are reporting on credit profile, XXXX refuses to discuss this account with me because I refuse to give them the last 4 digits of my Social Security number, citing privacy protection. After their many attempts to justify their reason of needing my social security number to identify me they used one of their internal systems to access my name and number through their system and asked me to confirm the last four digits of my SS # which the agent named \" XXXX '' said she had my full social security number in front of her as proof that XXXX performed an UNAUTHORIZED CREDIT CHECK which appears on my credit report and have not provided any information besides stating a DEBT BUYER ACCOUNT. I told XXXX, I knew my rights under FCRA and by providing a company issued account number, that I did n't have to provide my SS # as reasonable ID -- particularly to a DEBT COLLECTOR speaking on a RECORDED LINE ; who would ultimately use my information in their own pursuit of debt collection activities. Also, inany of my disputes neither XXXX nor XXXX has provided any additional information to me such as a statement or contract to indicate the origin of this collection debt, to resolve this matter, since I have never had any dealings at all with XXXX, no contracts, no signed agreements, no nothing. On XX/XX/XXXX, I applied for an apartment and my application came back saying I had to provide an additional {$720.00} Security deposit because XXXX has placed this on my credit report -- fraudulently and illegally. This is even more frustrating because they say date of first delinquency is in XX/XX/XXXX, date opened, XX/XX/XXXX and have been reporting this since XX/XX/XXXX, creating numerous erroneous inquiries among my other credit reports ( i.e. Transunion, XXXX XXXX XXXX  XXXX ), as well. I pray you can help me get this sorted out. Thank you.","date_sent_to_company":"2017-05-17T05:14:30.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32258","tags":null,"has_narrative":true,"complaint_id":"2487542","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-05-17T01:14:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Although I provided XXXX with the <em>account</em> number, my name and address to verify my identity to <em>them</em> as it appears on my XXXX report to identify <em>myself</em> as the person disputing the erroneous and damaging information they are reporting on credit profile, XXXX refuses to discuss this <em>account</em> with me because I refuse to give <em>them</em> the last 4 digits of my Social <em>Security</em> number, citing privacy protection."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.169634,"2487542"]},{"_index":"complaint-public-v1","_id":"2487535","_score":13.169634,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Since  XXXX   XXXX ,  XXXX   XXXX   XXXX , a collections company, whom I have NEVER done business with nor have I ever had an account with, has been reporting a Debt Buyer Account on my Equifax credit report an amount of {$410.00}. I have disputed this account with Equifax and was told by them that they verified this account as being mine, which it 's not.     As instructed on the Equifax investigation report, I have called  XXXX  at the number provided on the credit report numerous times to dispute this matter using the account number provided by  XXXX  which appears on the investigation report. For my own protection, I am refusing to give  XXXX  any additional information -- especially my SS # to a collection company in the event they make any additional inquiries which ought also need to be removed from my credit profile. Although I provided  XXXX  with the account number, my name and address to verify my identity to them as it appears on my Equifax report to identify myself as the person disputing the erroneous and damaging information they are reporting on credit profile,  XXXX  refuses to discuss this account with me because I refuse to give them the las t 4 digits of  my Social Security number, citing privacy protection.     After their many attempts to justify their reason of needing my social security number to identify me they used  one  of their internal systems to access my name and number through their system and asked me to confirm the last  four  digits of my SS # which the agent named \"  XXXX  '' said she had my full social security number in front of her as proof that  XXXX  performed an UNAUTHORIZED CREDIT CHECK which appears on my credit report and have not provided any information besides stating a DEBT BUYER ACCOUNT. I told  XXXX , I knew my rights under FCRA and by providing a company issued account number, that I did n't have to provide my SS # as reasonable ID -- particularly to a DEBT COLLECTOR speaking on a RECORDED LINE ; who would ultimately use my information in their own pursuit of debt collection activities.     Also, inany of my disputes neither  XXXX  nor Equifax has provided any additional information to me such as a statement or contract to indicate the origin of this collection debt, to resolve this matter, since I have never had any dealings at all with  XXXX , no contracts, no signed agreements, no nothing. On  XXXX   XXXX ,  XXXX , I applied for an apartment and my application came back saying I had to provide an additional {$720.00} Security deposit because  XXXX  has placed this on my credit report -- fraudulently and illegally. This is even more frustrating because they say date of first delinquency is in  XXXX ,  XXXX , date opened,  XXXX ,  XXXX ,  XXXX  and have been reporting this since  XXXX  of  XXXX , creating numerous erroneous inquiries among my other credit reports ( i.e.  XXXX , Equifax,  XXXX  Renta l Bureaus ),  as well.     I pray you can help me get this sorted out. Thank you.","date_sent_to_company":"2017-05-17T05:14:26.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32258","tags":null,"has_narrative":true,"complaint_id":"2487535","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-05-17T00:18:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Although I provided  XXXX  with the <em>account</em> number, my name and address to verify my identity to <em>them</em> as it appears on my Equifax report to identify <em>myself</em> as the person disputing the erroneous and damaging information they are reporting on credit profile,  XXXX  refuses to discuss this <em>account</em> with me because I refuse to give <em>them</em> the las t 4 digits of  my Social <em>Security</em> number, citing privacy protection."]},"sort":[13.169634,"2487535"]},{"_index":"complaint-public-v1","_id":"11922222","_score":13.086657,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I received a Cash App debit card in the mail yesterday ( XX/XX/year> ) with my name which I did not apply for. I have never used Cash App or created an account. I believe I have been a victim of identity theft and someone used my information to open the card under my name. I have contacted Cash App and requested them to disable the card, and the account associated with the card because it was not opened by me. They have sent an email asking me questions and also ask that I upload a front and back image of the debit card so they can investigate and disable the card and close the account once they can determine it is open fraudulently and provided them all the information they were looking for. The case number I was assigned is XXXX. I already froze my account for the 3 major credit bureaus approximately 5 months ago, but somehow Cash App allowed an individual to open an account and debit card under my name without my consent. I have already filed a police report notifying them of the identity theft incident as well. I have messaged Cash App from the initial email they sent with the case number and questions they needed but have not received a response acknowledging whether they were able to close the account and disable the debit card. I called them and the person answering the phone was not able to provide any additional information as well on the case. I read online that a lot of people were encountering the same thing where they received a Cash App debit card without opening ones themselves and with most not even having used Cash App like myself. This is not an isolated incident and Cash App needs to address this problem of fraud and identity theft that persist with their company and using compromised information to open the accounts of unsuspecting victims. Those same people that have fraudulent accounts and debit cards opened under their name from Cash App also received 1099-K forms from XXXX, the parent of Cash App, most likely because these fraudulently opened accounts act as a Cash App business account and have bad actors transferring money into these accounts as a way of possibly laundering money I suspect. This also leaves the victims on the hook for taxes from the 1099-K form that XXXX sends out because the bad actors have used the victim 's social security number as a means to create a Cash App business account and transfer money to account as a way to launder money leaving the victim on the hook for taxes from those transaction. I hope to resolve the issue Cash App because I was a victim of identity theft and did not open the Cash App account or request for a debit card.","date_sent_to_company":"2025-02-05T01:24:32.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"94112","tags":null,"has_narrative":true,"complaint_id":"11922222","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-02-05T00:38:05.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have never used Cash App or <em>created</em> an <em>account</em>. I believe I have been a victim of identity theft and someone used my information to open the card under my name. I have contacted Cash App and requested <em>them</em> to disable the card, and the <em>account</em> associated with the card because it was not opened by me."]},"sort":[13.086657,"11922222"]},{"_index":"complaint-public-v1","_id":"20957775","_score":12.9044895,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Building Name : XXXX XXXX XXXX Address Airtm XXXX ( Legal Compliance departament ) : XXXX XXXX XXXX XXXX, XXXX XXXX City : XXXX XXXX : Delaware Zip Code : XXXX .............................................................................................................. \nXXXX. Airtm account regularization request. Airtm Id. XXXX ................................................................................................................ \n\nDear Sirs at CFPB, I am writing this letter with full transparency to request a formal review of my status. My original XXXX Airtm account, XXXX, was unexpectedly and unfairly blocked in XX/XX/XXXX under the premise of having multiple accounts, which at that time was entirely false, as I only operated XXXX. In my eagerness to clarify the situation with my account, which had been verified for years and unexpectedly requested documents again, I mistakenly focused on manual support tickets instead of completing the automatic verification requests available in my dashboard. I now realize this caused unnecessary confusion. After being ignored by them, they started associating me with emails I didn't create and people who are not me and have no relationship with me. \n\nOn XX/XX/XXXX, my account was unexpectedly blocked. Despite my efforts to resolve this through official channels, I have encountered a total lack of human oversight. Specifically : Ignored Legal Correspondence : I have sent formal communications to XXXX and, when I had no success with support, to XXXX, their designated regulatory and legal contact, and I have been met with absolute silence. This demonstrates a refusal to engage in the 'Good Faith ' resolution process required by financial regulations. \n\nGeneric Risk Notifications : Instead of a manual review of my more than 5 years history, I received automated XXXX Department templates that provide no specific justification, leaving me in a serious state of financial defenselessness! \n\nSecurity & Phishing Risks : During this period of exclusion, I have been exposed to phishing attempts and suspicious technical failures within their support interface. The lack of a direct, secure communication channel from Airtms side has put my personal data at risk, and the company has failed to provide the security a financial institution owes its customers. \n\nHaving been a loyal user since the pandemic started in XXXX, I had used Airtm as my primary tool to protect my income from devaluation in XXXX. Throughout these years, I have maintained an impeccable track record, reflected in a historical XXXX rating of approximately XXXX stars, which certifies my commitment to the community and the correct use of the platform. \n\nFinding myself excluded from Airtm services without justification and facing the loss of my financial management tool, my priority was to regain access. It was only after being expelled in XXXX that I attempted to create other emails to regain my ability to operate. I recognize this subsequent act was a procedural mistake, but I never hid my identity ; I always used my real information because my intention is not to deceive, but to regain access to your services.","date_sent_to_company":"2026-04-16T17:52:32.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"20957775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Airtm Inc.","date_received":"2026-04-05T06:54:40.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In my eagerness to clarify the situation with my <em>account</em>, which had been verified for years and unexpectedly requested documents again, I mistakenly focused on manual support tickets instead of completing the automatic verification requests available in my dashboard. I now realize this caused unnecessary confusion. After being ignored by <em>them</em>, they started associating me with emails I didn't <em>create</em> and people who are not me and have no relationship with me."],"issue":["Managing, opening, or closing your mobile wallet <em>account</em>"]},"sort":[12.9044895,"20957775"]},{"_index":"complaint-public-v1","_id":"17258202","_score":12.731774,"_source":{"product":"Debt collection","complaint_what_happened":"National Credit Systems has reported to the credit companies that myself and husband owe over {$4000.00} in rental related charges.\n\nI am disputing this alleged debt because it is legally invalid, improperly calculated, and was created in violation of XXXX  landlord-tenant law. \n\nXXXX. My landlord failed to comply with Indiana XXXX XXXX and XXXX, which require a landlord to provide an itemized list of damages or deductions within 45 days of the tenant vacating. \n\nI moved out on XX/XX/year>. \n\nThe landlord did not provide any move-out statement until XX/XX/year>, which is over 100 days later. \n\nBecause they failed to meet the 45-day requirement, Indiana law states the landlord forfeits the right to retain the security deposit and forfeits the right to pursue damages. \n\nTherefore, no legally valid debt exists. \n\n\n\nXXXX. The move-out statement they eventually sent was inflated, inconsistent, and contained duplicated charges. \n\nThey charged me rent for the month of XXXX XXXX, even though I paid rent through XX/XX/XXXX and provided a valid 30-day notice as a month-to-month tenant. \n\nThey attempted to charge an early termination fee, even though I was not under a lease for 2025 and was legally month-to-month. \n\nThey initially claimed I owed over {$4000.00}, then reduced it to {$1000.00}, then to {$600.00}, depending on when I questioned or challenged the charges. \n\nThe drastic and repeated changes in the alleged balance suggest fraudulent and deceptive accounting practices. \n\n\n\nXXXX. The landlord has never provided a proper itemized list compliant with Indiana law. The late receipts and contractor invoices they sent are not legally valid because they were not provided within the required 45-day window and do not replace the required written itemized statement. \n\n\nXXXX. The debt collector, National Credit Systems , Inc., was notified that I disputed the debt via email and asked for them to provide validation as required under the FDCPA ( 15 U.S.C. 1692g ). \n\nThey never responded or provided validation. \n\nDespite this, they have reported the alleged debt to credit reporting agencies, which violates the FDCPA ( false or misleading representations and failure to mark the account as disputed ).","date_sent_to_company":"2025-11-14T15:58:40.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"46218","tags":null,"has_narrative":true,"complaint_id":"17258202","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-11-14T15:40:52.000Z","state":"IN","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["National Credit Systems has reported to the credit companies that <em>myself</em> and husband owe over {$4000.00} in rental related charges.\n\nI am disputing this alleged debt because it is legally invalid, improperly calculated, and was <em>created</em> in violation of XXXX  landlord-tenant law. \n\nXXXX. My landlord failed to comply with Indiana XXXX XXXX and XXXX, which require a landlord to <em>provide</em> an itemized list of damages or deductions within 45 days of the tenant vacating. \n\nI moved out on XX/XX/year>."]},"sort":[12.731774,"17258202"]},{"_index":"complaint-public-v1","_id":"3331648","_score":12.601986,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2019 the bank decides to close my accounts ( Regular savings & Adv Plus Savings ) after a email communication very unclear, but when I try to use the funds were not available. I am told that the balance is will send by mail in a cashier check of the BofA. \nTo date ( 2 months after closing ) the check ( s ) with the balances indicated they have not been received at the address entered in the bank in the XXXX XXXX XXXX XXXX and the explanations received by phone and XXXX do not answer where and when I will receive the money. \nThe communications made on my side with the BofA ( Closure dptmt ) only respond to me that : the physical mail used does not have a tracking number and that the sent envelope does not have bank logo ; and therefore it is possible that them are lost ( who knows ... ). \nFrom my side I must wait and see in the check show up within the 90 days window that the bank has for a re issue of new checks. \nI find myself to date without knowing where my funds are, without being able to use them and with deceptive explanations that only tend to delay the return of my funds. \nAs per today I'm facing direct and indirect damage due to the not availability of my money but this is not of importance to the bank. \nI'm still Bank of America customer through the credit card that I have valid and operational, however I see clearly that this bank does not want to provide any solution for a money deposited in confidence in their trust. \nAfter several harsh claims via XXXX, the bank appointed a contact person only reachable by phone, this person indicated that the checks were re issued on XX/XX/XXXX under the same scheme : plain envelope and basic postal service with no tracking possibility. \nAgain I must wait and see ; and clearly a new window of 90 days was open on XX/XX/XXXX, meaning that the recovery will be perhaps within 4 months from closure. \nA total lack of responsibility, and care for the fund deposited with this bank, a total lack of service from an institution that is created to give security to funds deposited, a total distortion of the function that a bank must perform mishandling funds of a customer and giving totally unprofessional responses with zero responsibility on actions taken with the assets of a third part. \nI currently reside in XXXX XXXX / XXXX and it is not possible physically present myself at the bank branch, from there this request. \nI would greatly appreciate your help.","date_sent_to_company":"2019-08-06T15:08:57.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"3331648","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-08-06T14:28:40.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["I find <em>myself</em> to date without knowing where my funds are, without being able to use <em>them</em> and with deceptive explanations that only tend to delay the return of my funds. \nAs per today I'm facing direct and indirect damage due to the not availability of my money but this is not of importance to the bank."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Funds not received from closed <em>account</em>"]},"sort":[12.601986,"3331648"]},{"_index":"complaint-public-v1","_id":"3792447","_score":12.20389,"_source":{"product":"Checking or savings account","complaint_what_happened":"My wife as Social Security Representative Payee had control two Chase Bank Guardian Accounts where my daughters social security checks were being deposited for the past eight years. The bank has placed a hold on these accounts as of early XX/XX/XXXX after my wife sustained a XXXX XXXX  and I requested to assume control. The bank says the accounts were not created legitimately. The bank has refused to release the funds to me as the current Social Security Representative Payee and legal conservator of my daughters Persons. \nThe most recent Social Security deposits, ( including the last one with me as the Representative Payee ) were deposited in these accounts and are inaccessible due to the bank hold.\n\nThe bank presently holds and will not release the funds for their deposited SSI and SSA payments as follows : ( Routing # XXXX ) XXXX Account # XXXX XXXX Account # XXXX XX/XX/282020 Stimulus {$1200.00} XX/XX/282020 Stimulus {$1200.00} XX/XX/XXXX SSI {$540.00} XX/XX/XXXX SSI {$540.00} XX/XX/XXXX SSA {$670.00} XX/XX/XXXX SSA {$670.00} XX/XX/XXXX SSI {$540.00} XX/XX/XXXX SSI {$540.00} XX/XX/XXXX SSA {$670.00} XX/XX/XXXX SSA {$670.00} Sub Total SSA SSI - {$3600.00} Sub Total SSA SSI - {$3600.00} Misc. Deposits - {$490.00} Misc. Deposits - {$280.00} Total Account - {$4100.00} Total Account - {$3900.00} Since I am unable to access the funds, because the bank says I am not the Conservator of my daughters Estate, I have requested that the funds be released to my daughters directly who are the legitimate owners of the funds. \nThe bank is requesting ( XX/XX/XXXX XXXX Action Needed : Please provide Letters of Conservatorship - Over Estate - these court certified documents will include who has the authority to open an account and what bank is to be used. \nChase Banks position ( XX/XX/XXXX ) is as follows : Account as a Guardianship account. Upon review of the account we have found that per the Court Order Chase was not authorized to open the account. The Court Order states that the Conservator only has Conservatorship of the Person only. Please be advised that a hold has been placed on the account until an court order is received and reviewed. \n\nCourt authority documents determine : o Guardianship type, which includes : Guardianship of the ward 's person only : Guardian is responsible for protecting ward 's physical person and well-being ( we don't open accounts for guardianship of ward 's person ) Guardianship of the ward 's estate only : Guardian is responsible for controlling and protecting ward 's monetary assets ( we can open accounts for these guardianships My response to the banks position ( XX/XX/XXXX ) : Your comments that we dont open accounts for guardianship of wards person is as full of holes as swiss cheese!\n\n1. There are accounts which have been opened ( that should be clear to both of us ) 2. The Bank did open them because they exist 3. I have no other paperwork other than that offered to date 4. XXXX has been using the accounts for the past 8 years for the girls social security as representative payee. \n5. XXXX and now I have been designated as Representative Payee for Social Security provided to my daughters 6. The funds belong to my daughters Based upon the above, my daughters should be able to come down and withdraw the funds with the proper identification? \nI do not want to become the Conservator of my daughters Estates as the bank is directing. There is an onerous accounting requirement in taking on such a task. The Social Security Administration does not require such a designation to function as Representative Payee.\n\nI have created two new accounts at another intuition using the Social Security Representative Payee Documentation and will act as the Representative Payee for future Social Security payments or until my wife recovers. I have notified Social Security about the XXXX payment going to the wrong account and they have taken action to request the return of funds and redirection to my new accounts. \nSummary Solution : I believe that the funds impounded at Chase Bank should be made available to my daughters who are the legitimate owners especially since the error in the creation of the accounts lies with the bank and not my wife or myself. This should be done without any new court documents required. Upon release of the funds to my daughters, the accounts at Chase should be closed. This is the only reasonable solution in light of the relevant facts.","date_sent_to_company":"2020-08-12T19:37:03.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90274","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3792447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-08-12T19:14:13.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["My wife as Social <em>Security</em> Representative Payee had control two Chase Bank Guardian <em>Accounts</em> where my daughters social <em>security</em> checks were being deposited for the past eight years. The bank has placed a hold on these <em>accounts</em> as of early XX/XX/XXXX after my wife sustained a XXXX XXXX  and I requested to assume control. The bank says the <em>accounts</em> were not <em>created</em> legitimately."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[12.20389,"3792447"]},{"_index":"complaint-public-v1","_id":"10715047","_score":11.993243,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX I received a letter indicating that my Capital One Platinum Mastercard account ending in XXXX is closed. The letter indicated the reason my account was closed was because \" activity on this account or other account is not consistent with our account usage and violates Capital One Customer Agreement ''. I mailed Capital One a properly endorsed registered security and they did not credit my account ending in XXXX. I spoke with the XXXX XXXX ( ID : XXXX ) on XX/XX/XXXX who told me it was received. He told me they didn't accept that form of payment. I said, \" send it back if you reject it ''. He said we can't do that. UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. That means Capital One accepted it, but they still have not credited my account. When I sent my registered security, I sent an instruction letter informing them that I will continue to send them a properly endorsed security every month and to not close my account pursuant to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k. My credit application evidences a debt. It's a certificate of indebtedness. My application was turned into an asset back security and was sold and continues to be sold on the secondary market according to Capital One Multi-Asset Trust, and Trust Indenture Agreement on the SEC website. It is securities fraud to assign a CUSIP number to a security and trade/ sell on the secondary market. The XXXX  number indicated the security is being sold over and over and Capital One is receiving a financial benefit from the security I invested into their company with my social security number on it. They also never credited the payment. Per 15 USC 1666d- Treatment of Credit Balances- Whenever a credit balance in excess of { {$1.00} } is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; This is another violation of Federal Law. My dividend payment is supposed to come to me an investor in their company and not for them to steal it and keep it. This constitutes XXXX XXXX that can not be denied. XXXX Forms of endorsement ( a ) when presented by banks ( XXXX ) For payment or exchange placed on a bearer security presented for payment or exchange by a bank should be in certain form. My bearer security was properly endorsed. They have it because I sent it via Registered mail. I also have a copy of it. Capital One stole my security, didn't credit my account, and engages in unfair practices. \n\nCapital One charged-off my Platinum Mastercard Account ending in XXXX. Charge-offs/ Certificate of Indebtedness is also considered income, and income can not be reported to my credit report. Also, because the accounts were charged-off, I know a 1099 was filed on the listed account. As far as the inquiries on my credit report, Capital One is considered financial institutions operating under a corporation and by definition under title 15 U.S. Code 1681b - Permissible purposes of consumer reports, they need my consent to furnish anything to my consumer report, therefore in reference to them reporting anything to my credit report as well as the inquiries by them on my consumer report, it is a violation to report any of my information. I absolutely did not give Capital One consent to furnish any information to XXXX, XXXX, XXXX and/or any other third-party institution. Not only has Capital One closed my account without my consent, but Capital One is also performing against their own Indentured Trust operating agreements. I have proof my private information has been sold to 3rd parties. I am very aware of my Consumer Rights, and according to The Securities Exchange Act of 1934 and The Trust Indentured Act of 1939, Capital One is in Violation according to their own prospectus as well as their XXXX and XXXX forms on SEC websites. I indeed am protected by my lawful rights, and land of the law. I am also aware that Capital One is a Corporation who took my personal information then turned it into a security and sold it over to the primary and secondary markets and in the process extended back to me, my own credit when it should have been an unlimited charge card extended to me, because I am the one who furnished them a security by providing my information. I am claiming my Purchaser rights, being as though Capital One is merely XXXX XXXX, and a XXXX, which can not speak. Having knowledge from Capital One prospectus reports, I have come to terms, I simply invested into their company. Capital One 's corporation has been disregarding the Trust Indentured Act of 1939 as well as The Securities Exchange Act of 1934. Capital One has caused me extreme physical, mental, and emotional distress, putting a financial strain on my life. I frequently use my cards to pay for my bare necessities for myself. After speaking verbally to different agents of Capital One on several different occasions, Capital One were unwilling to provide any equitable relief, especially knowing there is remedy for debt to be discharged, nor were they making any attempts to provide any alternate remedy, to discharge. Capital One has not only caused me unnecessary health issues, but my privacy also as well has been invaded and credit score depleted, from what it once use to be. According to the Privacy Act of 1974, my information was improperly misused, reported, mishandled, and sold to other 3rd parties, as well as put on the primary and secondary markets, by Capital One.","date_sent_to_company":"2024-11-06T19:22:00.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"10715047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-11-06T18:31:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["That means Capital One accepted it, but they still have not credited my <em>account</em>. When I sent my registered <em>security</em>, I sent an instruction letter informing <em>them</em> that I will continue to send <em>them</em> a properly endorsed <em>security</em> every month and to not close my <em>account</em> pursuant to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k. My credit application evidences a debt. 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