{"took":65,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":381,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2662185","_score":17.659729,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My credit history, and personal information were comprised by Equifax during their security breach on XX/XX/XXXX. They did not report the security breach until XX/XX/XXXX. \n\nI am attempting to place a 90 day fraud alert on my credit file, but due to the massive number of compromised files, I have been unable to do so at this point. \n\nIn my opinion, Equifax has placed consumers at risk by waiting more that a calendar month to report the security breach. It has caused consumer tools to be overloaded with requests from those whose identity 's are at risk, and is, in my opinion, unequivocally irresponsible. In addition, I have read that high level Equifax executives sold nearly XXXX XXXX dollars worth of stock without disclosing the sale to the public, after the breach was discovered, but before it was announced to the public. The sales were not listed as a part of XXXX scheduled trading plans, indicating that the executives may have acted in response to the security breach. \n\nTo me as a consumer, this is unacceptable behavior for a company with records of personal data. This event has placed millions of Americans at large financial risk, and appears to have directly benefitted Equifax executives. In addition, Equifax is a company I have never chosen to do business with. My identity is likely compromised as a result of the business decisions of other credit vendors. \n\nPlease take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.","date_sent_to_company":"2017-09-09T19:15:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93117","tags":null,"has_narrative":true,"complaint_id":"2662185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T18:57:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The sales were not listed as a part of XXXX scheduled trading <em>plans</em>, indicating that the executives may have acted in response to the <em>security</em> breach. \n\nTo me as a consumer, this is unacceptable behavior for a company with records of personal data. This event has placed millions of Americans at large financial <em>risk</em>, and appears to have directly benefitted Equifax executives. In addition, Equifax is a company I have never chosen to do business with."]},"sort":[17.659729,"2662185"]},{"_index":"complaint-public-v1","_id":"12457377","_score":15.084671,"_source":{"product":"Student loan","complaint_what_happened":"I am writing to formally report a serious concern regarding the security of my private and student loan data. It has come to my attention that this sensitive information has been compromised due to unauthorized access by XXXX XXXX and XXXX  into the Department of Education databases. \n\nThis breach poses significant risks not only to my financial information but also to the integrity of the educational financing system as a whole. Given the nature of this violation, I believe it is imperative that immediate action be taken to investigate this matter thoroughly and to implement necessary safeguards to protect my data and that of other affected individuals. \n\nI kindly request that you acknowledge receipt of this letter and provide me with updates regarding any planned actions or investigations in response to this breach. Furthermore, I would appreciate any guidance you can offer regarding steps I should take to protect my information moving forward. \n\nThank you for your attention to this urgent issue. I look forward to your prompt response.","date_sent_to_company":"2025-03-13T16:57:56.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"49505","tags":null,"has_narrative":true,"complaint_id":"12457377","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-03-13T16:52:46.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["I kindly request that you acknowledge receipt of this letter and provide me with updates regarding any <em>planned</em> actions or investigations in response to this breach. Furthermore, I would appreciate any guidance you can offer regarding steps I should <em>take</em> to protect my information moving forward. \n\nThank you for your attention to this urgent issue. I look forward to your prompt response."]},"sort":[15.084671,"12457377"]},{"_index":"complaint-public-v1","_id":"8493326","_score":14.396259,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to bring to your immediate attention the urgent matter concerning the prompt removal of charge-off accounts and inaccurate addresses associated with my account. Despite previous many attempts to rectify these issues, they persist, causing undue inconvenience and frustration. \n\nThe presence of charge-off accounts on my credit report is severely impacting my financial standing and credibility. These accounts inaccurately reflect my credit history and hinder my ability to access financial services and opportunities. Furthermore, the inaccurate addresses listed on my account pose a significant security risk and undermine the integrity of my personal information. \n\nI urge you to take immediate action to rectify these issues and ensure that all charge-off accounts are promptly removed from my credit report. Additionally, I request that the inaccurate addresses associated with my account be corrected to prevent any further security breaches or misinformation. \n\nGiven the urgency of this matter, I expect a swift response and resolution from your end. Please provide me with a detailed plan of action outlining the steps you will take to address these concerns and the timelines for their implementation. Additionally, I request regular updates on the progress made towards resolving these issues. \n\nFailure to address these concerns promptly will compel me to escalate this matter further and seek assistance from relevant regulatory authorities. I trust that you will prioritize this issue and take the necessary steps to rectify it without delay. With this, I am asking for your assisstance to remove these charge off accounts and inaccurate addresses in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-03-06T06:57:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32216","tags":null,"has_narrative":true,"complaint_id":"8493326","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-06T06:57:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Furthermore, the inaccurate addresses listed on my account pose a significant <em>security</em> <em>risk</em> and undermine the integrity of my personal information. \n\nI urge you to <em>take</em> immediate action to rectify these issues and ensure that all charge-off accounts are promptly removed from my credit report. Additionally, I request that the inaccurate addresses associated with my account be corrected to prevent any further <em>security</em> breaches or misinformation."]},"sort":[14.396259,"8493326"]},{"_index":"complaint-public-v1","_id":"8487014","_score":14.396173,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to bring to your immediate attention the urgent matter concerning the prompt removal of charge-off accounts and inaccurate addresses associated with my account. Despite previous many attempts to rectify these issues, they persist, causing undue inconvenience and frustration. \n\nThe presence of charge-off accounts on my credit report is severely impacting my financial standing and credibility. These accounts inaccurately reflect my credit history and hinder my ability to access financial services and opportunities. Furthermore, the inaccurate addresses listed on my account pose a significant security risk and undermine the integrity of my personal information. \n\nI urge you to take immediate action to rectify these issues and ensure that all charge-off accounts are promptly removed from my credit report. Additionally, I request that the inaccurate addresses associated with my account be corrected to prevent any further security breaches or misinformation. \n\nGiven the urgency of this matter, I expect a swift response and resolution from your end. Please provide me with a detailed plan of action outlining the steps you will take to address these concerns and the timelines for their implementation. Additionally, I request regular updates on the progress made towards resolving these issues. \n\nFailure to address these concerns promptly will compel me to escalate this matter further and seek assistance from relevant regulatory authorities. I trust that you will prioritize this issue and take the necessary steps to rectify it without delay. With this, I am asking for your assisstance to remove these charge off accounts and inaccurate addresses in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-03-06T06:57:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32216","tags":null,"has_narrative":true,"complaint_id":"8487014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-06T06:50:42.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Furthermore, the inaccurate addresses listed on my account pose a significant <em>security</em> <em>risk</em> and undermine the integrity of my personal information. \n\nI urge you to <em>take</em> immediate action to rectify these issues and ensure that all charge-off accounts are promptly removed from my credit report. Additionally, I request that the inaccurate addresses associated with my account be corrected to prevent any further <em>security</em> breaches or misinformation."]},"sort":[14.396173,"8487014"]},{"_index":"complaint-public-v1","_id":"5648495","_score":14.078768,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Hello, I reached out to Wells Fargo due to my car loan being thirty days late for the first time since I had the loan. I contacted the company and explained to them, I went into the hospital and was very XXXX Once I became aware of my surroundings, I remembered that the car note was not paid and paid immediately. I then contacted Wells Fargo and asked for a courtesy deletion. I explained that I am still employed and plan to return to work. Due to security, financial and credit clearances for my employer, I am required to maintain a certain credit score. This late item tanked my credit score over 100 points, which now puts my job at risk. I am in rehab and looking to return to work on a part time basis in the next 60days. My case is unique and I have documentation to prove what occurred. \n\nThe represenative had me wait on hold for over thirty minutes and she came back on the line and told me she needed to take my information and get me over to the presidents office. Well needless to say, I never got over to the president office for assistance.","date_sent_to_company":"2022-06-09T02:07:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Loan","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"5648495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-06-09T01:25:23.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I explained that I am still employed and <em>plan</em> to return to work. Due to <em>security</em>, financial and credit clearances for my employer, I am required to maintain a certain credit score. This late item tanked my credit score over 100 points, which now puts my job at <em>risk</em>. I am in rehab and looking to return to work on a part time basis in the next 60days. My case is unique and I have documentation to prove what occurred."]},"sort":[14.078768,"5648495"]},{"_index":"complaint-public-v1","_id":"11895200","_score":14.031305,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX I wrote Chase Bank about an extremely poor customer 's experience I entailed at one of its branch which is located at XXXX XXXX XXXX XXXX XXXX, AR XXXX. In response to the letter mailed to the CEO of the Bank, XXXX XXXX, XXXX decided to close my Checking Account effective on XX/XX/XXXX. \n\nSuch short notice is placing me at a severe financial disadvantage because I received my only source of fixed income by Social Security ( SSDI ) via Direct Deposit to the Chase Checking Account ending in XXXX. \n\nSince Social Security takes 60 days or more to direct deposit funds to a new checking account I will have to receive a PAPER CHECK which will take at least 10 days to be received at my address with is a major inconvenience and disadvantage. \n\nI am on a strict budget like other fellow Americans and having me wait more than a week to receive funds to pay necessary bills such as my mortgage, utilities, car insurance etc due to Chase haphazardly closing my checking account prematurely is pure spite and it needs to be addressed appropriately by CFPB. \n\nI now understand why Chase is considered a subpar bank regarding customer service handled by inept employees with poor moral. \n\nI planned on severing my banking relationship with Chase in the future do to the extremely poor manner in which I was handled and the unprofessional and completely disturbed customer service and discrimination I experienced on XX/XX/XXXX. \n\nI had signed up with XXXX XXXX  for a Checking Account on XXXX, XX/XX/XXXX and I plan on using XXXX XXXX for my banking services and needs going forward. \n\nUnfortunately Social Security plan to make this change to XXXX XXXX on or about XX/XX/XXXX ( I receive my XXXX Funds every fourth XXXX of each month ). \n\nIn essence, closing my account on XX/XX/XXXX will create UNDUE FINANCIAL HARDSHIP on myself where bills will be paid late and food not bought because I will have to wait for a paper check for XXXX and XX/XX/XXXX via XXXX which has the risk of being lost or stolen in the mail placing me at a further disadvantage. \n\nI am a XXXX Veteran and for Chase to give me less than 30 days to close my account likely in retaliation of filing a XXXX claim against them and voicing my concerns with XXXX XXXX is truly unprofessional and callus on their end. I can see why the Chase employee have one of the lowest moral and dissatisfaction working at Chase due to the fact they treat their customers just as worst.","date_sent_to_company":"2025-02-02T21:13:18.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"72204","tags":"Servicemember","has_narrative":true,"complaint_id":"11895200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-02-02T20:14:11.000Z","state":"AR","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Such short notice is placing me at a severe financial disadvantage because I received my only source of fixed income by Social <em>Security</em> ( SSDI ) via Direct Deposit to the Chase Checking Account ending in XXXX. \n\nSince Social <em>Security</em> <em>takes</em> 60 days or more to direct deposit funds to a new checking account I will have to receive a PAPER CHECK which will <em>take</em> at least 10 days to be received at my address with is a major inconvenience and disadvantage."]},"sort":[14.031305,"11895200"]},{"_index":"complaint-public-v1","_id":"14908555","_score":13.4843,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am writing to report a serious breach of my personal information due to a confirmed data breach by LexisNexis, a major consumer reporting agency. My sensitive data including Social Security number, identity profile, and financial activity may have been exposed. \n\nThis breach affects my ability to trust the accuracy and security of any third-party data reporting and undermines my confidence in any credit reporting or scoring mechanisms based on compromised data. \n\nRequested Actions : Investigate LexisNexis for compliance with the Fair Credit Reporting Act ( FCRA ). \n\nRequire all credit bureaus ( XXXXXXXX XXXX XXXX  ) to : Validate all disputed data with me directly Allow early deletion of accounts that are paid, closed, or potentially exposed Recommend LexisNexis offer free identity theft protection and credit monitoring. \n\nRequest extended fraud alerts on my credit files across all bureaus. \n\nThis situation has caused great distress, and I am invoking my rights under the FCRA ( 15 U.S.C. 1681 et seq. ) and related state consumer protection laws. \n\n\nSummary of the Breach In XX/XX/XXXX, LexisNexis Risk Solutions suffered a data breach that exposed names, Social Security numbers, drivers license numbers, and birthdates of over XXXX individuals, including myself. The breach was not publicly disclosed until XXXX XXXX. \n\nLexisNexis is a major data broker and trusted source for identifying individuals in credit reporting and underwriting. Their data feeds into risk assessments, background checks, and credit profiles. \nConsumer Financial Protection Bureau LexisNexis Risk Solutions Concerns & Legal Basis Accuracy of Reporting Under the Fair Credit Reporting Act ( FCRA ), entities providing data for credit and other assessments must ensure accuracy and integrity of information. \n\nData Broker Liability Under FCRA The CFPB previously proposed treating data brokers as consumer reporting agencies under FCRA, which would require compliance with privacy, accuracy, and dispute resolution ruleseven though the proposal was withdrawn in XXXX. \n\nInformation Security Violations The CFPBs own enforcement guidance states that companies must protect from unfair practices, including publishing or reporting junk data due to breaches, which can mislead credit systems. \n\n\nRequested Actions I request that the CFPB : Investigate the LexisNexis breach, especially given its downstream effects on consumer credit and identity system data. \n\nEvaluate whether LexisNexis should be regulated under FCRA rules, including requiring transaction records for accuracy and take-down procedures. \n\nEnsure that no inaccurate or stale personal data from the breach continues to circulate to credit bureaus, lenders, or background verifiers. \n\nProvide guidance to consumers on managing credit/data impacts from such breaches, including fraud alerts or freezes. \n\nSupporting Context LexisNexis provides data critical to credit and risk systems, yet a breach like this poses enormous threat to data integrity. \n\nEarlier CFPB plans indicated data brokers would fall under FCRA oversight, though those rules were rescinded. \n\nCFPB has published multiple advisories explaining that reporting inaccurate or stale data is unlawful, and enforcement actions including suing credit bureaus for poor data quality have occurred. \nXXXX Thank you for reviewing my complaint. I ask for prompt clarity, consumer protections, and consideration of stronger oversight of data brokers like LexisNexis. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-07-27T22:40:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27253","tags":null,"has_narrative":true,"complaint_id":"14908555","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-07-27T22:28:23.000Z","state":"NC","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Summary of the Breach In XX/XX/XXXX, LexisNexis <em>Risk</em> Solutions suffered a data breach that exposed names, Social <em>Security</em> numbers, drivers license numbers, and birthdates of over XXXX individuals, including myself. The breach was not publicly disclosed until XXXX XXXX. \n\nLexisNexis is a major data broker and trusted source for identifying individuals in credit reporting and underwriting. Their data feeds into <em>risk</em> assessments, background checks, and credit profiles."]},"sort":[13.4843,"14908555"]},{"_index":"complaint-public-v1","_id":"11470161","_score":12.914966,"_source":{"product":"Student loan","complaint_what_happened":"According to Bidens Student Loan Forgiveness plan, those who were eligible to receive student forgiveness or recipients of XXXX XXXX, XXXX Loans, or XXXX loans. \n\nImplementing the SAVE plan on a valuable education would be nearly impossible as nearly all financial and economic resources had to be exhausted including parents having to take on second jobs or small business owners working to put their kids through school, only to have those falsehood promises dismissed as false hope. Moreover, its even more saddening and difficult for job seekers who have been out of the workforce to rejoin the private sector or public sector as a civil servant as discriminatory practices by financial institutions charging Usurious rates and engaging in Predatory lending practices to services are ha when in reality, after sending XXXX children to XXXX XXXX XXXX  colleges on roughly half-tuition scholarships, XXXX and XXXX could have provided a bit more private/federal student loans available to make it more accessible for the students not place undue financial burden or hardship on their parents, who would be willing to more money to support them in times of need, whilst jeopardizes their financially security a retirement future, with the implicit and implied social contract to look after them in their old age and ensure that their standard of living was at least as well but no more worse off than before deciding to take on the endeavor of enrolling, attending, and graduating from a world-renowned institution of higher education. In the case where one of the students is unable to obtain gainful employment post graduation, then the family is at risk of bearing an undue burden of debt, so much time money and resources allocated towards that goal and purpose only to have it squandered by the jealousy and envy of peers who believe that their deliberate intentional choice to enroll in an inferior school with inferior rankings according the XXXX and Rankings, should be compensated at least as much as their State school counterparts is simply a matter of pity undue pride or shame on the part of the one who gaslights the ability of the honest hard working American people.\n\nWith one or the other child unable to provide or make sufficient income to support not only themselves but be able to afford to live comfortably without having to sacrifice their own health and livelihood to be able to survive.","date_sent_to_company":"2025-01-10T07:09:49.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"35226","tags":null,"has_narrative":true,"complaint_id":"11470161","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-01-10T06:28:31.000Z","state":"AL","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["According to Bidens Student Loan Forgiveness <em>plan</em>, those who were eligible to receive student forgiveness or recipients of XXXX XXXX, XXXX Loans, or XXXX loans. \n\nImplementing the SAVE <em>plan</em> on a valuable education would be nearly impossible as nearly all financial and economic resources had to be exhausted including parents having to <em>take</em> on second jobs or small business owners working to put their kids through school, only to have those falsehood promises dismissed as false hope."]},"sort":[12.914966,"11470161"]},{"_index":"complaint-public-v1","_id":"7629155","_score":11.962818,"_source":{"product":"Checking or savings account","complaint_what_happened":"I've requested to file XXXX separate grievances ( employees all say different things ) ; I've talked to supervisor, and he took abusive action : illegitimate and retaliatory financial withholding. \n\nEmployees blatantly lied to me about business practices and when I should receive my debit card. \n\nI'm receiving discrimination from this company. \nCurrently the supervisor has locked me out of my account because I told him after all the negative experiences I don't want to bank with Ally and plan to utilize Chime or something instead. In retaliation he locked me from access to my accounts stating he couldn't verify my identity when I've jumped through every hoop created, answered every security question correctly ( I refused to verbally provide my full social because I'm in a domestic XXXX shelter around other people it would place undue risk on my information, but I did provide the last XXXX ) and have provided my government issued identification twice and have answered every former address related question, mother 's maiden name and every other question under the sun correctly. \n\nI've wasted a significant amount of time on the phone lines trying to repair their errors with no compensation and no positive results. \n\nI still not having access to my funds. Ally has gone above and beyond to create barriers, lie to me, and refuse me access to my own money. \n\nThese calls were all recorded. Please investigate this poor practice. \n\nSincerely, B.S., XXXX, Ph.D. in Human Services Canidate Please take this complaint seriously.","date_sent_to_company":"2023-09-29T23:58:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"992XX","tags":null,"has_narrative":true,"complaint_id":"7629155","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2023-09-29T23:29:49.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Sincerely, B.S., XXXX, Ph.D. in Human Services Canidate Please <em>take</em> this complaint seriously."]},"sort":[11.962818,"7629155"]},{"_index":"complaint-public-v1","_id":"15318494","_score":11.962818,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/year>, I made my mortgage payment online with NewRez LLC. I am fully aware that payments can take a few days to process ; however, as of today, the funds remain in my bank account with no record of the payment ever being drafted or returned. Despite this, NewRez LLCs system shows a non-sufficient funds ( NSF ) fee and marks the payment as not made. \n\nThis same issue occurred in XX/XX/year>, when I was also charged an NSF fee despite having sufficient funds in my account. These repeated errors are not due to my actions or banking availability they are clearly the result of NewRez LLCs internal payment processing failures. \n\nImpact : I have been charged unwarranted NSF and late fees for XXXX consecutive months. \nThere is a risk of damage to my credit if NewRez LLC reports these as late payments. \nThe ongoing errors have caused unnecessary stress, time loss, and concern over the security and accuracy of my mortgage account. \n\nWhat I want to happen : XXXX. XXXX reversal and refund of all NSF and late fees for XXXX and XX/XX/year>. \nXXXX. Written confirmation that my credit has not and will not be impacted by these errors. \nXXXX. A clear explanation of the cause of these repeated failures and a specific plan to prevent them from happening again. \nXXXX. Direct contact information for a senior-level representative who can ensure my account is handled properly moving forward. \n\nI have maintained sufficient funds and have made my payments on time. These errors are solely due to NewRez LLCs internal system failures and must be corrected immediately.","date_sent_to_company":"2025-08-15T09:13:50.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"196XX","tags":null,"has_narrative":true,"complaint_id":"15318494","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-08-15T09:06:42.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["There is a <em>risk</em> of damage to my credit if NewRez LLC reports these as late payments. \nThe ongoing errors have caused unnecessary stress, time loss, and concern over the <em>security</em> and accuracy of my mortgage account. \n\nWhat I want to happen : XXXX. XXXX reversal and refund of all NSF and late fees for XXXX and XX/XX/year>. \nXXXX. Written confirmation that my credit has not and will not be impacted by these errors. \nXXXX."]},"sort":[11.962818,"15318494"]},{"_index":"complaint-public-v1","_id":"3275211","_score":11.735178,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2019 I attempted to wire {$300.00} online with a credit card to XXXX to someone that I know. I got a message that the transaction was completed and I sent the reference number to the receiver. About 40 minutes later, I received an e-mail that the transaction had been cancelled and my account was closed. I spoke to someone in customer service, who said that they can not give me any information about why it was cancelled and they told me I can never send a money gram transfer again -- -neither online or in person. They said it was a \" security issue to protect me ''. I told them that I know the person I was sending it to and was willing to take that \" risk '' with MY money. I asked to know what the problem was, but they were not willing to give me any information other than that is the way they do things and don't have to give me a reason. \n\nAfter reading many of the complaints, it seems that after you send money several times, they shut down your account. I have sent a few times before in the office, with the most recent time being on XX/XX/2019 to a different country. I have a small business which requires me to send money overseas. As there is a paper trail and they check id 's in the office, I'm really wondering why I was denied using their service. I am not satisfied with the customer service that I received. I am also upset that it took so long for them to tell me the transaction was cancelled, as it could have meant the recipient went to collect her money and it wouldn't be there.\n\nThey also told me it would take 3-10 business days to reverse the charges. As it was on my credit card ( versus taking the money out of my bank account ), it wasn't as big an issue ( my plan is to dispute the charge as soon as it processes ) -- -- but it seems it is not right to take people 's money and keep it for 3-10 business days. At the very least, they should pay interest. It should be returned immediately when the transaction is cancelled. It could be a financial hardship to people, especially if sending a large amount.","date_sent_to_company":"2019-06-14T18:14:41.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"55407","tags":null,"has_narrative":true,"complaint_id":"3275211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","date_received":"2019-06-14T17:43:20.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They said it was a \" <em>security</em> issue to protect me ''. I told them that I know the person I was sending it to and was willing to <em>take</em> that \" <em>risk</em> '' with MY money. I asked to know what the problem was, but they were not willing to give me any information other than that is the way they do things and don't have to give me a reason. \n\nAfter reading many of the complaints, it seems that after you send money several times, they shut down your account."]},"sort":[11.735178,"3275211"]},{"_index":"complaint-public-v1","_id":"7212580","_score":11.599866,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The issue is with Synchrony Bank. My wife, XXXX XXXX XXXX is the owner of our Verizon Account. I am the manager. My name is XXXX XXXX XXXX. XXXX XXXX Verizon XXXX XXXX. My Verizon XXXX XXXXXXXX. We pay automatically with another credit card monthly. Verizon offered a better plan for the same cost if we used a Verizon Credit Card. I accepted the new plan, then XXXX applied for a Verizon Credit Card. Verizon partners with Synchrony Bank to have Synchrony Bank review our credit report and reply back to Verizon and to us if the application was approved or denied and for what reason. Synchrony Bank performs the credit report review, not Verizon. Synchrony bank used XXXX XXXX to review our credit reports. XXXX submitted her authorization first. Within 2-weeks she received an email from Synchrony Bank they were unable to approve your request at this time. The reason was, \" Application has risk factors that cause us to be unsure of your identity. '' I called Verizon Credit Card Services and was told I had to speak to Synchrony Bank. I called Synchrony Bank and was told I had to speak with Verizon Credit Card Services. THIS WENT BACK AND FORTH. I went to the Verizon store XXXX XXXX XXXX XXXX, XXXX XXXX. I was there with the store manager for about 3 hours. He tried calling Verizon and Synchrony Bank. but couldn't get a resolution. He said the store is only a sales store and is limited in what he can do to help. I spoke with XXXX at Synchrony Bank. She referred me back to Verizon Credit Card Services. It takes 30 days from the day your authorization is denied to retry. I thought it would save tome If I applied for the Verizon credit card. I applied. On XX/XX/XXXX. I got an email from Synchrony Bank denying my application for the exact same reasons as my wife 's denial ; \" unable to approve your request at this time. The reason was, \" Application has risk factors that cause us to be unsure of your identity. '' I called XXXX XXXX, spoke with XXXX. XXXX said my name was the only name on the report and it matches my social security card name. XXXX said I had an excellent report. XXXX couldn't understand why Synchrony Bank was unsure of my identity. Synchrony Bank will not do anything but refer me to Verizon Credit Card Services. \nSynchrony Bank must be able to identify my wife and me, however they won't try. Synchrony Bank is not performing its duties by law as it relates to its role in authorizing or denying a credit card, and being able to identify a person whom Verizon and XXXX XXXX have no problem identifying. I am an XXXX XXXX XXXX veteran, I have VA ID, a California Driver 's license, Federal Employee Plan health insurance, Voter 's registration card, we have lived in this home since XXXX, I have USDOL, FECA. OWCP benefits for an on the federal job XXXX, and I have a Federal Civil Service Annuity. Please have Synchrony Bank provide me with an executive assistant contact phone number who will speak with me and identify me and review my XXXX XXXX Credit Report using my identity, to determine that I have a XXXX score of about XXXX, and my credit record is impeccable, then authorize a Verizon Credit Card for me, with my wife as co-owner.","date_sent_to_company":"2023-07-07T02:23:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94566","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"7212580","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-07-07T00:53:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It <em>takes</em> 30 days from the day your authorization is denied to retry. I thought it would save tome If I applied for the Verizon credit card. I applied. On XX/XX/XXXX. I got an email from Synchrony Bank denying my application for the exact same reasons as my wife 's denial ; \" unable to approve your request at this time. The reason was, \" Application has <em>risk</em> factors that cause us to be unsure of your identity. '' I called XXXX XXXX, spoke with XXXX."]},"sort":[11.599866,"7212580"]},{"_index":"complaint-public-v1","_id":"2471920","_score":11.585115,"_source":{"product":"Checking or savings account","complaint_what_happened":"My husband and I opened our personal checking and savings account with Bank of America on  XXXX   XXXX ,  XXXX  and our business checking and savings account on  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX , around  XXXX , logged into our personal account. Noticed that in our personal account there was a debit of {$880000.00} coming out of our account. I also attempted to log in to our business account, but was unable to log in. In my attempt to log in was given an error message of No match found. Please create a n ew Online ID and Passcode. We  had previously set up online banking, so this was a surprise to us. I immediately called the banks customer service center, asked about the debit amount coming out of our account and was told that the debit was put there by Bank of America as a way of stopping any further activity. I was then directed to contact th e Risk Closure  Department. Contacted them, was asked to provide my social security number and my Drivers License Number in order to locate my account and for verification purposes. Was told by a Risk Customer Service Representative that my account was under review and was most likely going to be closed. When I asked for the reason behind the closure, was only given the reason that it was a business decision and that we didnt adhere to the provisions of t he Deposit Agreement and   Disclosures and that at any time the owner of the account or the bank had the option to close the account without giving any reason for closure. I asked for more clarification of the closer and was told again that it was a business decision and was not able to give me any more information. Later, went home and rea d the Deposit Agreement and Disclosure again and  was unable to locate or determine any reason behind what was not adhered to within this agreement/disclosure.     On  XXXX   XXXX ,  XXXX  around  XXXX , contacted t he Risk Closure Depar tment to obtain more information on our accounts and if they were going to be closed. In talking to the representative I was under the impression that I was discussing our personal and business accounts. Was told the closure was still under review and that there wasnt much else that could be done at this time. Furthermore, explained that we are a small business starting out and that we are only able to keep money in our account for a short time since we are trying to build our business by buying more products for resale. We dont have the capacity to keep money in our account for a lengthy amount of time. The nature of our business is that we buy our items from auction. At times we find good deals at the last moment, bid on the item, win the auction and make the purchase. We have a short turnaround time to make a payment. We are not like other businesses that purchase product and have 30 days to make a payment. For example there was a cash deposit in to our account and within that same banking day we sent a wire to a company by the name of  XXXX   XXXX , which also has an account with Bank of America, to purchase products that we had won on the auction. We have copies of the receipts for the items we purchased through the auction. If this documentation is needed to assist in this matter, we would be more than happy to provide them to you.     On  XXXX   XXXX ,  XXXX  around  XXXX , contacted t he Risk Closure D epartment and was told that there was no risk closure attached to my social security number. I was under the impression that our personal accounts were not going to be closed.     On  XXXX   XXXX ,  XXXX  around  XXXX , visited the local branch to see if our personal account was still open as well as the business account. I was told that the accounts were still under review, but were not closed. I again, still thought the accounts were going to be okay. After leaving the branch, I went to the ATM machine to withdrawal money and my card had been inactivated. Went back in to the branch and spoke with another representative. This individual noticed the pending risk closure and went to another branch employee to discuss. I was told they were trying to contact the Risk Closure Department to see if I could make a withdrawal and I was told that this department had already closed for the day, this was around  XXXX . This department closes at  XXXX  local time.     On  XXXX   XXXX ,  XXXX  around  XXXX , contacted the  Risk Closure Dep artment to obtain clarification on whether our accounts were actually going to be closed. Was told that they were in fact going to be closed. I again asked for the reason behind the account closure and was given the same response as I received on  XXXX   XXXX ,  XXXX . I was still unable to receive a legitimate detailed reason for the closure. I explained to the representative that if the bank is going to provide the reason for closure of being that the customer didnt adhere to th e Deposit Agreement and Disclosure, that  they should be able to give a specific reason and page number within the agreement/disclosure that was not followed.     We strongly believe that that my spouse 's national origin, owner of the business, might have played a part in their decision to close our accounts. We did not receive an unbiased risk evaluation from Bank of America, due to his national origin. Bank of America was fully aware that the owner of the business had traveled and conducted routine business in  XXXX , which is his national origin.     During this time of not being able to use our accounts, we have suffered operational losses and opportunity costs of not being able to engage in normal planned business activity. This has put an undue stress on the business of not being able to purchase products. This has also put an undue amount of stress on our family, with young children, by not having access to our funds. I have also had to take time off of work to deal with this situation.","date_sent_to_company":"2017-05-01T17:59:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95610","tags":null,"has_narrative":true,"complaint_id":"2471920","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-05-01T17:22:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I have also had to <em>take</em> time off of work to deal with this situation."]},"sort":[11.585115,"2471920"]},{"_index":"complaint-public-v1","_id":"8415917","_score":11.579582,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against Wells Fargo for Potential Data Breach, Mismanagement of Personal Information, and Request for Monetary Damages Introduction : I am filing a complaint against Wells Fargo due to receiving communication linked to an old account under the name XXXX XXXX, my birth name, which I legally changed in XXXX and have not used since. This situation, which I believe to be a result of a data breach or severe mismanagement of personal information, is not only alarming but poses a risk to my financial security and privacy. In light of this, and my immediate need to address potential repercussions, I am seeking monetary damages to hire a private investigator and obtain necessary insurances. \n\nNarrative of Events : Upon receiving the letter from Wells Fargo regarding an account associated with a name I no longer use, I was deeply concerned about the integrity of my personal data and the security of my financial information. This incident is particularly troubling as I am in the midst of planning significant financial activities, including a capital raise and real estate transactions, necessitating a clear and secure financial standing. \n\nViolations and Requested Resolution : Gramm-Leach-Bliley Act ( GLBA ) : The potential exposure of my personal data suggests a breach of GLBA, which mandates financial institutions to protect the confidentiality and security of consumer information. \n\nFair Credit Reporting Act ( FCRA ) : Should this issue affect my credit report, it would violate the FCRA 's requirements for accurate and fair credit reporting. \n\nGiven these concerns, I request the CFPB to : Initiate a thorough investigation into the handling and protection of my personal and financial data by Wells Fargo, specifically identifying how my former name came to be associated with recent communications. \nMandate Wells Fargo to provide monetary damages sufficient to hire a private investigator to assess the extent of the data breach or mismanagement and to secure necessary insurances that would protect my financial interests moving forward. \nEnsure Wells Fargo takes immediate steps to secure my data against further unauthorized access or breaches and to correct any inaccuracies in their records or on my credit report stemming from this issue. \nConclusion : The receipt of this letter under a former name and the potential it signifies for a data breach or significant mismanagement has caused me considerable distress and concern for my financial future. It is imperative that this matter is resolved promptly and thoroughly, with Wells Fargo held accountable for any lapses in data security or management. I trust the CFPB will act swiftly to address this complaint and facilitate the necessary financial restitution for me to mitigate the potential impacts of this situation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-25T11:53:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92019","tags":null,"has_narrative":true,"complaint_id":"8415917","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-02-25T11:46:26.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["This situation, which I believe to be a result of a data breach or severe mismanagement of personal information, is not only alarming but poses a <em>risk</em> to my financial <em>security</em> and privacy. In light of this, and my immediate need to address potential repercussions, I am seeking monetary damages to hire a private investigator and obtain necessary insurances."]},"sort":[11.579582,"8415917"]},{"_index":"complaint-public-v1","_id":"8838437","_score":11.57472,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"The company is Gemini ( cryptocurrency exchange ) Federal ID number : XXXX. \n\nCompany name is : Gemini XXXX XXXX In XXXX of 2024, I deposited {$20000.00} into Gemini to trade cryptocurrency. On XX/XX/2024, I tried sending the currency to another wallet. It required 2 Factor Authentication and upon successful completion, It tells me I failed to respond to the request, which is a lie. I end up sending a support ticket confirming my identity. The ticket closes and I tried again, but still it said I failed to respond. \n\nFast forward to XX/XX/2024, I try once again to send my cryptocurrency, but I get the same error message : \" Failure to respond ''. I open another support ticket demanding that they give me full access to my funds are I will file a complaint with the FTC. They make me jump through several hoops all listed here : \" Please provide us with : Your current occupation and employer, and/or your current source of income ; Your estimated net worth and a detailed description of your source of wealth Is your source of wealth derived solely from employment income, or is it also derived from other sources such as investment returns and/or inheritance? For any stated sources of wealth, please also provide supporting documentation such as a pay slip, bank statement, tax return, or other relevant documentation. \nA description of your expected account activity How much do you expect to fund your account initially? How often do you plan on funding your account and at what volume? What are your anticipated transaction patterns? For example, do you envision buying and holding your digital assets or will you be actively trading? \nLastly, Gemini offers a variety of products and services including our Exchange, OTC Desk, and the Gemini Credit Card. Which products and services do you plan on using? '' TICKET ID : XXXX I end up complying with all of their requests and answering all of their questions sufficiently, but still they lock down my account. Mind you, each response I get takes days if not weeks to get a response. \n\nThey request even more information after this. \n\n\" Please provide us with : bank statement crypto statement from the exchnage crypto funds are coming from. \" They cant even take to time to correct the typos in their email. \n\nI'm out here risking getting my identity stolen by digitizing all of my personal information ( social security card, birth certificates, paystubs, bank statements, drivers license, etc. ) while the customer support at Gemini gets to sit in their chairs and not move a finger. \n\nAfter complying with all of their requests, my account is still locked.","date_sent_to_company":"2024-04-23T22:21:17.000Z","issue":"Money was not available when promised","sub_product":"Virtual currency","zip_code":"96732","tags":null,"has_narrative":true,"complaint_id":"8838437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Winklevoss Exchange LLC","date_received":"2024-04-23T21:46:28.000Z","state":"HI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I'm out here <em>risking</em> getting my identity stolen by digitizing all of my personal information ( social <em>security</em> card, birth certificates, paystubs, bank statements, drivers license, etc. ) while the customer support at Gemini gets to sit in their chairs and not move a finger. \n\nAfter complying with all of their requests, my account is still locked."]},"sort":[11.57472,"8838437"]},{"_index":"complaint-public-v1","_id":"3293582","_score":11.560299,"_source":{"product":"Student loan","complaint_what_happened":"I am still waiting for Fedloan Services to publish the ability to recertify my income for my income based repayment plan. XXXX had me in the most expensive IBR instead of REPAY. I requested the least expensive option when I applied for the initial IBR from XXXX   because I was going to apply for public service loan forgiveness after 120 payments. \nMy original payment was hundreds of dollars more than it should have been but I trusted that XXXX knew what they were doing. I had to have my payment recalculated last year to the repay IBR and it took so long to process Fedloan Services was sending me payment notifications for $ 1400+. Then when my payment was finally recalculated they made it so my new payment would not count for the first month against public service loan forgiveness. I also had to request a deferment for a month for the last 2 years because it takes so long to have them process the annual recertification. Once the magical new payment is calculated there is absolutely no time to budget for the new calculated payment causing a significant hardship and payments that dont count towards PSLF because they took so long it was either enter deferment or cough up $ 1400+ for a non IBR payment until they finally figure out their recalculated payment or risk my financial future and jeprodize my security clearance. \nThere is no reason why the loan recalculation can not be done with months for the individual to plan for the new payment. \nTax filings are due every year at the same time. They are using that information to calculate the new payment. There is no reason why if it takes months for a computer system to apply some magical formula that it can not be a process that starts in XXXX, the new payment is calculated by XXXX and the individual starts paying the new payment in XXXX instead of the current process that causes absolute anxiety and unnecessary deferments. \nMy payment is always out of wack because my husband is XXXX XXXX military and his income changes depending on whether he is in a XXXX XXXX and his income is used to calculate my payment creating a marriage penalty that non married individuals do not have. If they were my husbands loans SCRA would apply ; however, it doesnt even though youre using his income for payment calculations. So it is ok to put a military service member in a financial hardship if it is the military spouses loans but not ok if its their loans. If the military service members income is used to calculate my payment then SCRA should apply regardless of whos name is on the loan. \nMy calculated payment should be based upon my income as a government employee and should not have anything to do with my spouses income because a single person paying 10 % of their disposable income pays less than what the marriage penalty is.","date_sent_to_company":"2019-07-02T13:34:09.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"98387","tags":"Servicemember","has_narrative":true,"complaint_id":"3293582","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2019-07-02T12:56:11.000Z","state":"WA","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Once the magical new payment is calculated there is absolutely no time to budget for the new calculated payment causing a significant hardship and payments that dont count towards PSLF because they took so long it was either enter deferment or cough up $ 1400+ for a non IBR payment until they finally figure out their recalculated payment or <em>risk</em> my financial future and jeprodize my <em>security</em> clearance."]},"sort":[11.560299,"3293582"]},{"_index":"complaint-public-v1","_id":"15746687","_score":11.27828,"_source":{"product":"Debt or credit management","complaint_what_happened":"In XXXX XXXX, Shellpoint unexpectedly contacted my then-boyfriends phone number, stating I was past due after transferring to their company ( I was unaware of this at this time ) and discussing information without my consent. When I contacted Shellpoint to clarify, they were unable to verify my identity because, although my name, address, and date of birth matched, the Social Security number linked to the account was not mine. One of the agents of Shellpoint had even told me the last 4 digits of the social security number that was linked to my account during one of my interactions I had when trying to resolve my account. \n\nXX/XX/XXXX : While attempting to set up online access, I discovered that entering my Social Security number on the find my account tool on their website and also giving my zip code, it pulled up the account to a couple with the same last name and same city as me. Their last 4 of account number, policy number and company to their insurance, their full names, and address information was shown and it was linked to my social I had input in the find my account tool. \nThis meant Shellpoint had incorrectly linked my Social Security number to another borrowers mortgage account, while simultaneously assigning a different Social Security number to my account. \n\nIn XX/XX/XXXX, after I filed a complaint with the Oregon Department of Consumer and Business Services, Shellpoint acknowledged updating my Social Security number but dismissed the seriousness of the matter, stating they saw nothing else wrong. \n\nThis mishandling represents a major privacy and compliance failure, exposing both my identity and another households private mortgage information and social. \n\n\nSeparately, Shellpoint engaged in deceptive and unprofessional servicing of my account : XX/XX/XXXX : A trial modification offer was posted to my Shellpoint portal. \n\nXX/XX/XXXX : I received an email from XXXX XXXX confirming approval for a trial plan leading to a permanent modification. \n\nI successfully made the required trial payments ( in fact, four payments instead of the three required ). \n\nI was told by the loss mitigation team via phone on XX/XX/XXXX, that I would receive documents by mail within 23 weeks to finalize the modification. \n\nThese documents never arrived. Instead : XX/XX/XXXX : My portal showed that the loan assistance plan was no longer being offered. \n\nXX/XX/XXXX, onward : I repeatedly contacted Shellpoint to resolve the issue and attempt to make monthly payments. I was told only the Loss Mitigation Team could assist me, but each time agents attempted to transfer my call, they were unable to reach anyone. Several agents on different occasions tried to connect me, but no one from Loss Mitigation ever picked up. I was repeatedly promised callbacks that never occurred, leaving me unable to make my required payments. \n\nXX/XX/XXXX : I received a letter by mail claiming my account was past due $ $ $ ( subject to additional interest and fees ) and assigning me a single point of contact. \nHowever, that contact was never available and never returned messages. \n\nXX/XX/XXXX : Out of desperation, I reapplied for assistance through the portal, submitting a new application and supporting documents. \n\nXXXX XXXX : Despite repeated calls, no one from the Loss Mitigation Team contacted me. \n\nXX/XX/XXXX : I finally received a portal message stating that my modification was retracted because the investor declined to participate, citing the end of the HAMP program. This directly contradicted the trial modification I had already completed and was told I would be finalizing.\n\nShellpoints conduct constitutes multiple violations of OAR 137-020-0805 : 1. Subsection ( 3 ) Misrepresentation : I was told I was approved for a modification, made trial payments, and was promised finalization documents. Instead, the plan was rescinded without notice or justification. \n\n2. Subsection ( 6 ) Failure to deal in good faith : Agents acknowledged the urgency of my case but consistently failed to connect me to the Loss Mitigation Team or provide promised callbacks.\n\n3. Subsection ( 5 ) Failure to comply with RESPA : Shellpoint failed to provide timely, accurate, and complete servicing information, leaving me unable to make payments or resolve my account. \n\n4. Privacy violations : Shellpoint mishandled sensitive borrower information by incorrectly linking Social Security numbers, exposing my identity and another couples mortgage information and social.\n\nI have been unfairly placed at risk of foreclosure despite complying with Shellpoints trial plan.\n\nMy credit and financial security have been jeopardized. \n\nMy personal identity and Social Security number were mishandled, exposing me to potential fraud and privacy violations. \n\nThe stress, anxiety, and uncertainty caused by Shellpoints conduct have affected not only me, but also my family members residing on the property.\n\nShellpoint Mortgage Servicing has engaged in deceptive servicing, failed to deal in good faith, and mishandled sensitive borrower information in violation of Oregon law, federal RESPA requirements, and borrower privacy protections. \n\nGiven the seriousness of these violations, I request immediate relief. \n\nIn addition to this complaint filed I will be filing a complaint with the Oregon Department of Justice - Consumer Protection Section to request they take requested action towards this matter and ensure that Shellpoint / New Rez doesnt continue to do this to others too!\n\nODJ Requested Actions : Investigate Shellpoint/NewRez for unlawful debt collection and deceptive trade practices. \n\n\nRequire Shellpoint/NewRez to explain and remediate their mishandling of my Social Security number and account information. \n\nImpose penalties or enforcement measures necessary to deter these unlawful practices against other Oregon consumers.","date_sent_to_company":"2025-09-05T16:54:47.000Z","issue":"Didn't provide services promised","sub_product":"Mortgage modification or foreclosure avoidance","zip_code":"974XX","tags":null,"has_narrative":true,"complaint_id":"15746687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-09-05T15:41:34.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Privacy violations : Shellpoint mishandled sensitive borrower information by incorrectly linking Social <em>Security</em> numbers, exposing my identity and another couples mortgage information and social.\n\nI have been unfairly placed at <em>risk</em> of foreclosure despite complying with Shellpoints trial <em>plan</em>.\n\nMy credit and financial <em>security</em> have been jeopardized. \n\nMy personal identity and Social <em>Security</em> number were mishandled, exposing me to potential fraud and privacy violations."]},"sort":[11.27828,"15746687"]},{"_index":"complaint-public-v1","_id":"8933799","_score":10.7921505,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute Regarding Violation of the Gramm-Leach-Bliley Act Privacy Rule Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the violation of the Gramm-Leach-Bliley Act ( GLBA ) Privacy Rule by ( Experian ). As a consumer, I am deeply anngry about the mishandling of my nonpublic personal information, which is protected under the GLBA Privacy Rule. \n\nThe GLBA Privacy Rule is designed to safeguard consumer financial privacy and restrict the disclosure of nonpublic personal information to nonaffiliated third parties without the consumer 's consent. It is essential for financial institutions, including credit bureaus, to comply with these regulations to protect consumer rights and privacy. \n\nI know that [ experian ] has failed to adhere to the provisions of the GLBA Privacy Rule by [ describe the specific violation, e.g., unauthorized sharing of my credit information with a third party without my consent ]. This breach of privacy regulations is unacceptable and puts my personal financial information at risk. \n\nXXXXXXXX XXXX  Account number XXXX Date opened XX/XX/year> Balance {$230.00} According to the Federal Trade Commission 's guidelines on the GLBA Act, financial institutions must notify consumers about their information-sharing practices and provide them with the opportunity to opt-out of sharing their information with certain nonaffiliated third parties. Any entity that receives consumer financial information from a financial institution is also bound by restrictions on the reuse and redisclosure of that information. \n\nXXXXXXXX XXXX  Account number XXXX Date opened XX/XX/year> Balance {$230.00} XXXX demand that [ Experian ] remove accounts from my credit report immediately and provide a detailed explanation of the steps taken to rectify the violation of the GLBA Privacy Rule. I also request that you correct any inaccuracies in my credit report resulting from this violation and take measures to prevent similar incidents in the future. \n\nXXXXXXXX XXXXXXXX Account number XXXX Date opened XX/XX/year> Balance {$230.00} What are the GLBA Compliance Requirements?\n\nGLBA compliance is a part of the Federal Trade Commission ( FTC ). According to the GLBA, the three main components that a company needs to meet are : 1. The Financial Privacy Rule The first component of the GLBA compliance checklist is the Financial Privacy Rule. The main purpose of the Financial Privacy Rule is to provide an agreement between financial institutions and their customers regarding the protection of their Non-Personal Information ( NPI ). \nAccording to the Financial Policy Rule, a business should provide suitable notices of its privacy norms and policies to consumers. Consumers are defined as those individuals who are using the product or services of the business. The notice should include details regarding : With whom the information is being shared?\n\nHow will the shared information be used?\n\nHow will private data be protected?\n\nThe Financial Policy Rule provides details pertaining to the collection and disclosure of private financial information to regulate the sharing of Non-Personal Information ( NPI ) of your customers with external agencies. It also requires businesses to provide the customers the choice to opt in or out of having their NPI ( Non-Personal Information ) disclosed to non-affiliated third parties.\n\n2. The Safeguards Rule According to the Safeguards Rule, financial institutions must develop, implement, and maintain a detailed information security plan that explains how the business is protecting customers ' and previous customers ' nonpublic personal information ( NPI ). The 'Safeguards Rule ' should provide details regarding the measures adopted towards building up an NPI protection plan for better cybersecurity including : Protection against common attack vectors, cyber threats, and cyber attacks Protection from data leaks, data breaches, and unauthorized access for use of nonpublic personal information ( NPI ).\n\n3. The Pretexting Provisions The Pretexting Provisions rule supports financial institutions to build up protection against the problem of social engineering or pretexting. This usually happens when a fraud person impersonates the account holder by telephone, mail, or often by phishing or spear-phishing and tries to get unauthorized or fraudulent access to personal information. The most popular compliances for Pretexting Provisions include : A comprehensive written plan for scrutinizing account activity Conducting staff training exercises to ensure the prevention of providing NPI to fraudulent entities by employees Identifying and carrying out Operations Security ( OPSEC ) processes for risk management What are Penalties for GLBA Non-Compliance?\n\nGLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses I feel like ( Experian ) have violated the following Failure to Provide Privacy Notices : Financial institutions are required to provide customers with privacy notices that explain the types of personal information that the institution collects, how that information is used, and how it is shared. Non-compliance with this requirement can result in penalties and fines.\n\nUnauthorized Access to Customer Information : Financial institutions are required to establish appropriate safeguards to protect customer information from unauthorized access. If an institution fails to secure its systems or fails to properly authenticate users, it could lead to a data breach that exposes customer information.\n\nInadequate Information Security Policies : The GLBA requires financial institutions to develop and implement information security policies that protect customer information. If an institution fails to develop adequate policies or fails to implement them effectively, it could result in a data breach and expose customer information.\n\nFailure to Train Employees : Financial institutions are required to train employees on how to comply with the GLBAs privacy and security requirements. If an institution fails to provide adequate training, employees may inadvertently violate the laws requirements, leading to penalties and fines Inadequate Vendor Management : Financial institutions are required to ensure that vendors who have access to customer information are also complying with the GLBAs privacy and security requirements. If an institution fails to adequately manage its vendors, it could result in a breach that exposes customer information. \n\nXXXX XXXX ( founding partner of consumer attorney ) XXXX will be assisting me in seeking damages against ( Experian ) under the ground of violating the The Gramm-Leach-Bliley Act ( GLBA ). \n\n\nXXXXXXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$230.00}","date_sent_to_company":"2024-05-05T22:38:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"8933799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-05T22:38:15.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The most popular compliances for Pretexting Provisions include : A comprehensive written <em>plan</em> for scrutinizing account activity Conducting staff training exercises to ensure the prevention of providing NPI to fraudulent entities by employees Identifying and carrying out Operations <em>Security</em> ( OPSEC ) processes for <em>risk</em> management What are Penalties for GLBA Non-Compliance?\n\nGLBA non-compliance penalties can be quite serious for financial institutions."]},"sort":[10.7921505,"8933799"]},{"_index":"complaint-public-v1","_id":"8933675","_score":10.788434,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute Regarding Violation of the Gramm-Leach-Bliley Act Privacy Rule Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the violation of the Gramm-Leach-Bliley Act ( GLBA ) Privacy Rule by ( Clarity ). As a consumer, I am deeply XXXX about the mishandling of my nonpublic personal information, which is protected under the GLBA Privacy Rule. The GLBA Privacy Rule is designed to safeguard consumer financial privacy and restrict the disclosure of nonpublic personal information to nonaffiliated third parties without the consumer 's consent. It is essential for financial institutions, including credit bureaus, to comply with these regulations to protect consumer rights and privacy. I know that [ Clarity ] has failed to adhere to the provisions of the GLBA Privacy Rule by [ describe the specific violation, e.g., unauthorized sharing of my credit information with a third party without my consent ]. This breach of privacy regulations is unacceptable and puts my personal financial information at risk. \n\nXXXXXXXX XXXX Account number XXXX Date opened XX/XX/2020 Balance {$230.00} According to the Federal Trade Commission 's guidelines on the GLBA Act, financial institutions must notify consumers about their information-sharing practices and provide them with the opportunity to opt-out of sharing their information with certain nonaffiliated third parties. Any entity that receives consumer financial information from a financial institution is also bound by restrictions on the reuse and redisclosure of that information. \n\nXXXX XXXX  Account number XXXX Date opened XX/XX/2020 Balance {$230.00} I demand that [ Clarity ] remove accounts from my credit report immediately and provide a detailed explanation of the steps taken to rectify the violation of the GLBA Privacy Rule. I also request that you correct any inaccuracies in my credit report resulting from this violation and take measures to prevent similar incidents in the future. \n\nXXXX XXXX  Account number XXXX Date opened XX/XX/2020 Balance {$230.00} What are the GLBA Compliance Requirements? GLBA compliance is a part of the Federal Trade Commission ( FTC ). According to the GLBA, the three main components that a company needs to meet are : 1. The Financial Privacy Rule The first component of the GLBA compliance checklist is the Financial Privacy Rule. The main purpose of the Financial Privacy Rule is to provide an agreement between financial institutions and their customers regarding the protection of their Non-Personal Information ( NPI ). \n\nAccording to the Financial Policy Rule, a business should provide suitable notices of its privacy norms and policies to consumers. Consumers are defined as those individuals who are using the product or services of the business. The notice should include details regarding : With whom the information is being shared? How will the shared information be used? How will private data be protected? The Financial Policy Rule provides details pertaining to the collection and disclosure of private financial information to regulate the sharing of Non-Personal Information ( NPI ) of your customers with external agencies. It also requires businesses to provide the customers the choice to opt in or out of having their NPI ( Non-Personal Information ) disclosed to non-affiliated third parties. 2. The Safeguards Rule According to the Safeguards Rule, financial institutions must develop, implement, and maintain a detailed information security plan that explains how the business is protecting customers ' and previous customers ' nonpublic personal information ( NPI ). The 'Safeguards Rule ' should provide details regarding the measures adopted towards building up an NPI protection plan for better cybersecurity including : Protection against common attack vectors, cyber threats, and cyber attacks Protection from data leaks, data breaches, and unauthorized access for use of nonpublic personal information ( NPI ). 3. The Pretexting Provisions The Pretexting Provisions rule supports financial institutions to build up protection against the problem of social engineering or pretexting. This usually happens when a fraud person impersonates the account holder by telephone, mail, or often by phishing or spear-phishing and tries to get unauthorized or fraudulent access to personal information. The most popular compliances for Pretexting Provisions include : A comprehensive written plan for scrutinizing account activity Conducting staff training exercises to ensure the prevention of providing NPI to fraudulent entities by employees Identifying and carrying out Operations Security ( OPSEC ) processes for risk management What are Penalties for GLBA Non- Compliance? GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses I feel like ( clarity ) have violated the following Failure to Provide Privacy Notices : Financial institutions are required to provide customers with privacy notices that explain the types of personal information that the institution collects, how that information is used, and how it is shared. Non-compliance with this requirement can result in penalties and fines. Unauthorized Access to Customer Information : Financial institutions are required to establish appropriate safeguards to protect customer information from unauthorized access. If an institution fails to secure its systems or fails to properly authenticate users, it could lead to a data breach that exposes customer information. Inadequate Information Security Policies : The GLBA requires financial institutions to develop and implement information security policies that protect customer information. If an institution fails to develop adequate policies or fails to implement them effectively, it could result in a data breach and expose customer information. Failure to Train Employees : Financial institutions are required to train employees on how to comply with the GLBAs privacy and security requirements. If an institution fails to provide adequate training, employees may inadvertently violate the laws requirements, leading to penalties and fines Inadequate Vendor Management : Financial institutions are required to ensure that vendors who have access to customer information are also complying with the GLBAs privacy and security requirements. If an institution fails to adequately manage its vendors, it could result in a breach that exposes customer information. \n\nXXXX XXXX ( founding partner of XXXX XXXX ) XXXX will be assisting me in seeking damages against ( Experian ) under the ground of violating the The Gramm-Leach-Bliley Act ( GLBA ). \n\nXXXX XXXX  Account number XXXX Date opened XX/XX/2020 Balance {$230.00}","date_sent_to_company":"2024-05-05T23:04:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"8933675","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-05T23:04:13.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The most popular compliances for Pretexting Provisions include : A comprehensive written <em>plan</em> for scrutinizing account activity Conducting staff training exercises to ensure the prevention of providing NPI to fraudulent entities by employees Identifying and carrying out Operations <em>Security</em> ( OPSEC ) processes for <em>risk</em> management What are Penalties for GLBA Non- Compliance? GLBA non-compliance penalties can be quite serious for financial institutions."]},"sort":[10.788434,"8933675"]},{"_index":"complaint-public-v1","_id":"2678932","_score":10.7864065,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. located at : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX : XXXX has illegally put a hold ( writ ) on my savings and checking account. On XXXX XXXX, XXXX I made a {$15.00} purchase at a store and was told it was denied. I had plenty of money in my accounts, however after calling my credit union I was told there was a writ on my accounts, Everything was on hold and I could not access any money. \n\nI was told to call the law office above and did so. They claim I had a bill that was not paid nor had payments arrangements. Docket number is XXXX XXXX New Jersey XXXX. THe hold included my social security benefits, salary and all income. They ordered me to send 3 months statements to prove social security payments etc, which I immediately sent. I also informed them that I WAS on a payment plan for that account since XXXX and had to send them documents to prove that ( which I also did and are included here ). \n\nXXXX XXXX XXXX of the firm was somewhat helpful but her supervisor, XXXX was not. After realizing a mistake was made on their end, I asked for an immediate request to have my bank re-institute my account and remove the hold. THis was on a Friday afternoon. XXXX told me specifically \" well it may be a priority of yours but it 's really not a priority of anyone else ''. I demanded a call back on Monday with a status. That never happened. In fact I have called him at least twice a day, along with legal attorney with me and he refuses to take my calls or to return the call. I called XXXX again and she said she \" thought '' it was taken care of but not totally sure or how long it would take to fix it. \n\nI visited my credit union with documents to show I was not in non-compliance however they said they need a court document to remove the \" writ '' hold. In the meantime I had to cancel a weekend trip due to not being able to get any money out of my account XXXX no gas for my car and no funds XXXX. I have had two automatic payment withdrawls from bill pays rejected, thus I will be charged {$25.00} for each of those returns. Without knowing when this hold will be released I run the risk of more charges that are not my fault. I have no other income in my household so this is a major major problem. \n\nThe poor record keeping, harassing calls from this firm is unexcusable. They did not do their due diligence to ensure this was accurate before ensuing court charges and this writ. I am being damaged both financially and personally. Upon research, this company has repeated problems such as this. I need it fixed asap and payment for my damages which total {$500.00} XXXX cancelled weekend trip, fees on my account ).","date_sent_to_company":"2017-10-18T14:18:47.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"08054","tags":null,"has_narrative":true,"complaint_id":"2678932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Forster, Garbus and Garbus","date_received":"2017-09-19T22:14:01.000Z","state":"NJ","company_public_response":null,"sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["THe hold included my social <em>security</em> benefits, salary and all income. They ordered me to send 3 months statements to prove social <em>security</em> payments etc, which I immediately sent. I also informed them that I WAS on a payment <em>plan</em> for that account since XXXX and had to send them documents to prove that ( which I also did and are included here ). \n\nXXXX XXXX XXXX of the firm was somewhat helpful but her supervisor, XXXX was not."],"issue":["Took or threatened to <em>take</em> negative or legal action"]},"sort":[10.7864065,"2678932"]},{"_index":"complaint-public-v1","_id":"8933672","_score":10.775869,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute Regarding Violation of the Gramm-Leach-Bliley Act Privacy Rule Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the violation of the Gramm-Leach-Bliley Act ( GLBA ) Privacy Rule by ( innovis ). As a consumer, I am deeply anngry about the mishandling of my nonpublic personal information, which is protected under the GLBA Privacy Rule. The GLBA Privacy Rule is designed to safeguard consumer financial privacy and restrict the disclosure of nonpublic personal information to nonaffiliated third parties without the consumer 's consent. It is essential for financial institutions, including credit bureaus, to comply with these regulations to protect consumer rights and privacy. I know that [ innovis ] has failed to adhere to the provisions of the GLBA Privacy Rule by [ describe the specific violation, e.g., unauthorized sharing of my credit information with a third party without my consent ]. This breach of privacy regulations is unacceptable and puts my personal financial information at risk. \n\nXXXXXXXX XXXX Account number XXXX Date opened XX/XX/2020 Balance {$230.00} According to the Federal Trade Commission 's guidelines on the GLBA Act, financial institutions must notify consumers about their information- sharing practices and provide them with the opportunity to opt-out of sharing their information with certain nonaffiliated third parties. Any entity that receives consumer financial information from a financial institution is also bound by restrictions on the reuse and redisclosure of that information. \n\nXXXXXXXX XXXX Account number XXXX Date opened XX/XX/2020 Balance {$230.00} I demand that [ Innovis ] remove accounts from my credit report immediately and provide a detailed explanation of the steps taken to rectify the violation of the GLBA Privacy Rule. I also request that you correct any inaccuracies in my credit report resulting from this violation and take measures to prevent similar incidents in the future. \n\nXXXX XXXX Account number XXXX Date opened XX/XX/2020 Balance {$230.00} What are the GLBA Compliance Requirements? GLBA compliance is a part of the Federal Trade Commission ( FTC ). According to the GLBA, the three main components that a company needs to meet are : 1. The Financial Privacy Rule The first component of the GLBA compliance checklist is the Financial Privacy Rule. The main purpose of the Financial Privacy Rule is to provide an agreement between financial institutions and their customers regarding the protection of their Non-Personal Information ( NPI ). According to the Financial Policy Rule, a business should provide suitable notices of its privacy norms and policies to consumers. Consumers are defined as those individuals who are using the product or services of the business. The notice should include details regarding : With whom the information is being shared? How will the shared information be used? How will private data be protected? The Financial Policy Rule provides details pertaining to the collection and disclosure of private financial information to regulate the sharing of Non-Personal Information ( NPI ) of your customers with external agencies. It also requires businesses to provide the customers the choice to opt in or out of having their NPI ( Non-Personal Information ) disclosed to non-affiliated third parties. 2. The Safeguards Rule According to the Safeguards Rule, financial institutions must develop, implement, and maintain a detailed information security plan that explains how the business is protecting customers ' and previous customers ' nonpublic personal information ( NPI ). The 'Safeguards Rule ' should provide details regarding the measures adopted towards building up an NPI protection plan for better cybersecurity including : Protection against common attack vectors, cyber threats, and cyber attacks Protection from data leaks, data breaches, and unauthorized access for use of nonpublic personal information ( NPI ). 3. The Pretexting Provisions The Pretexting Provisions rule supports financial institutions to build up protection against the problem of social engineering or pretexting. This usually happens when a fraud person impersonates the account holder by telephone, mail, or often by phishing or spear-phishing and tries to get unauthorized or fraudulent access to personal information. The most popular compliances for Pretexting Provisions include : A comprehensive written plan for scrutinizing account activity Conducting staff training exercises to ensure the prevention of providing NPI to fraudulent entities by employees Identifying and carrying out Operations Security ( OPSEC ) processes for risk management What are Penalties for GLBA Non- Compliance? GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses I feel like ( innovis ) have violated the following Failure to Provide Privacy Notices : Financial institutions are required to provide customers with privacy notices that explain the types of personal information that the institution collects, how that information is used, and how it is shared. Non-compliance with this requirement can result in penalties and fines. Unauthorized Access to Customer Information : Financial institutions are required to establish appropriate safeguards to protect customer information from unauthorized access. If an institution fails to secure its systems or fails to properly authenticate users, it could lead to a data breach that exposes customer information. Inadequate Information Security Policies : The GLBA requires financial institutions to develop and implement information security policies that protect customer information. If an institution fails to develop adequate policies or fails to implement them effectively, it could result in a data breach and expose customer information. Failure to Train Employees : Financial institutions are required to train employees on how to comply with the GLBAs privacy and security requirements. If an institution fails to provide adequate training, employees may inadvertently violate the laws requirements, leading to penalties and fines Inadequate Vendor Management : Financial institutions are required to ensure that vendors who have access to customer information are also complying with the GLBAs privacy and security requirements. If an institution fails to adequately manage its vendors, it could result in a breach that exposes customer information. \n\nXXXX XXXX ( founding partner of XXXX XXXX XXXX XXXX will be assisting me in seeking damages against ( innovis ) under the ground of violating the The Gramm-Leach-Bliley Act ( GLBA ). XXXX XXXX Account number XXXX Date opened XX/XX/2020 Balance {$230.00}","date_sent_to_company":"2024-05-05T23:18:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"8933672","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2024-05-05T23:05:03.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The most popular compliances for Pretexting Provisions include : A comprehensive written <em>plan</em> for scrutinizing account activity Conducting staff training exercises to ensure the prevention of providing NPI to fraudulent entities by employees Identifying and carrying out Operations <em>Security</em> ( OPSEC ) processes for <em>risk</em> management What are Penalties for GLBA Non- Compliance? GLBA non-compliance penalties can be quite serious for financial institutions."]},"sort":[10.775869,"8933672"]},{"_index":"complaint-public-v1","_id":"8933798","_score":10.775586,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute Regarding Violation of the Gramm-Leach-Bliley Act Privacy Rule Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the violation of the Gramm-Leach-Bliley Act ( GLBA ) Privacy Rule by ( Experian ). As a consumer, I am deeply anngry about the mishandling of my nonpublic personal information, which is protected under the GLBA Privacy Rule.\n\nThe GLBA Privacy Rule is designed to safeguard consumer financial privacy and restrict the disclosure of nonpublic personal information to nonaffiliated third parties without the consumer 's consent. It is essential for financial institutions, including credit bureaus, to comply with these regulations to protect consumer rights and privacy.\n\nI know that [ experian ] has failed to adhere to the provisions of the GLBA Privacy Rule by [ describe the specific violation, e.g., unauthorized sharing of my credit information with a third party without my consent ]. This breach of privacy regulations is unacceptable and puts my personal financial information at risk. \n\nXXXXXXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$230.00} According to the Federal Trade Commission 's guidelines on the GLBA Act, financial institutions must notify consumers about their information-sharing practices and provide them with the opportunity to opt-out of sharing their information with certain nonaffiliated third parties. Any entity that receives consumer financial information from a financial institution is also bound by restrictions on the reuse and redisclosure of that information. \n\nXXXXXXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$230.00} XXXX demand that [ Experian ] remove accounts from my credit report immediately and provide a detailed explanation of the steps taken to rectify the violation of the GLBA Privacy Rule. I also request that you correct any inaccuracies in my credit report resulting from this violation and take measures to prevent similar incidents in the future. \n\nXXXXXXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$230.00} What are the GLBA Compliance Requirements?\n\nGLBA compliance is a part of the Federal Trade Commission ( FTC ). According to the GLBA, the three main components that a company needs to meet are : 1. The Financial Privacy Rule The first component of the GLBA compliance checklist is the Financial Privacy Rule. The main purpose of the Financial Privacy Rule is to provide an agreement between financial institutions and their customers regarding the protection of their Non-Personal Information ( NPI ).\n\nAccording to the Financial Policy Rule, a business should provide suitable notices of its privacy norms and policies to consumers. Consumers are defined as those individuals who are using the product or services of the business. The notice should include details regarding : With whom the information is being shared?\n\nHow will the shared information be used?\n\nHow will private data be protected?\n\nThe Financial Policy Rule provides details pertaining to the collection and disclosure of private financial information to regulate the sharing of Non-Personal Information ( NPI ) of your customers with external agencies. It also requires businesses to provide the customers the choice to opt in or out of having their NPI ( Non-Personal Information ) disclosed to non-affiliated third parties.\n\n2. The Safeguards Rule According to the Safeguards Rule, financial institutions must develop, implement, and maintain a detailed information security plan that explains how the business is protecting customers ' and previous customers ' nonpublic personal information ( NPI ). The 'Safeguards Rule ' should provide details regarding the measures adopted towards building up an NPI protection plan for better cybersecurity including : Protection against common attack vectors, cyber threats, and cyber attacks Protection from data leaks, data breaches, and unauthorized access for use of nonpublic personal information ( NPI ).\n\n3. The Pretexting Provisions The Pretexting Provisions rule supports financial institutions to build up protection against the problem of social engineering or pretexting. This usually happens when a fraud person impersonates the account holder by telephone, mail, or often by phishing or spear-phishing and tries to get unauthorized or fraudulent access to personal information. The most popular compliances for Pretexting Provisions include : A comprehensive written plan for scrutinizing account activity Conducting staff training exercises to ensure the prevention of providing NPI to fraudulent entities by employees Identifying and carrying out Operations Security ( OPSEC ) processes for risk management What are Penalties for GLBA Non-Compliance?\n\nGLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses I feel like ( Experian ) have violated the following Failure to Provide Privacy Notices : Financial institutions are required to provide customers with privacy notices that explain the types of personal information that the institution collects, how that information is used, and how it is shared. Non-compliance with this requirement can result in penalties and fines.\n\nUnauthorized Access to Customer Information : Financial institutions are required to establish appropriate safeguards to protect customer information from unauthorized access. If an institution fails to secure its systems or fails to properly authenticate users, it could lead to a data breach that exposes customer information.\n\nInadequate Information Security Policies : The GLBA requires financial institutions to develop and implement information security policies that protect customer information. If an institution fails to develop adequate policies or fails to implement them effectively, it could result in a data breach and expose customer information.\n\nFailure to Train Employees : Financial institutions are required to train employees on how to comply with the GLBAs privacy and security requirements. If an institution fails to provide adequate training, employees may inadvertently violate the laws requirements, leading to penalties and fines Inadequate Vendor Management : Financial institutions are required to ensure that vendors who have access to customer information are also complying with the GLBAs privacy and security requirements. If an institution fails to adequately manage its vendors, it could result in a breach that exposes customer information. \n\nXXXX XXXX ( founding partner of consumer attorney ) XXXX  will be assisting me in seeking damages against ( Experian ) under the ground of violating the The Gramm-Leach-Bliley Act ( GLBA ). \n\n\nXXXXXXXX XXXX  Account number XXXX Date opened XX/XX/year> Balance {$230.00}","date_sent_to_company":"2024-05-05T22:38:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"8933798","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-05T22:38:15.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The most popular compliances for Pretexting Provisions include : A comprehensive written <em>plan</em> for scrutinizing account activity Conducting staff training exercises to ensure the prevention of providing NPI to fraudulent entities by employees Identifying and carrying out Operations <em>Security</em> ( OPSEC ) processes for <em>risk</em> management What are Penalties for GLBA Non-Compliance?\n\nGLBA non-compliance penalties can be quite serious for financial institutions."]},"sort":[10.775586,"8933798"]},{"_index":"complaint-public-v1","_id":"8933744","_score":10.775586,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute Regarding Violation of the Gramm-Leach-Bliley Act Privacy Rule Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the violation of the Gramm-Leach-Bliley Act ( GLBA ) Privacy Rule by ( XXXX ). As a consumer, I am deeply anngry about the mishandling of my nonpublic personal information, which is protected under the GLBA Privacy Rule. \n\nThe GLBA Privacy Rule is designed to safeguard consumer financial privacy and restrict the disclosure of nonpublic personal information to nonaffiliated third parties without the consumer 's consent. It is essential for financial institutions, including credit bureaus, to comply with these regulations to protect consumer rights and privacy. \n\nI know that [ experian ] has failed to adhere to the provisions of the GLBA Privacy Rule by [ describe the specific violation, e.g., unauthorized sharing of my credit information with a third party without my consent ]. This breach of privacy regulations is unacceptable and puts my personal financial information at risk. \n\nDISCOVER BANK Account number XXXX Date opened XX/XX/year> Balance {$230.00} According to the Federal Trade Commission 's guidelines on the GLBA Act, financial institutions must notify consumers about their information-sharing practices and provide them with the opportunity to opt-out of sharing their information with certain nonaffiliated third parties. Any entity that receives consumer financial information from a financial institution is also bound by restrictions on the reuse and redisclosure of that information. \n\nDISCOVER BANK Account number XXXX Date opened XX/XX/year> Balance {$230.00} I demand that [ XXXX ] remove accounts from my credit report immediately and provide a detailed explanation of the steps taken to rectify the violation of the GLBA Privacy Rule. I also request that you correct any inaccuracies in my credit report resulting from this violation and take measures to prevent similar incidents in the future. \n\nDISCOVER BANK Account number XXXX Date opened XX/XX/year> Balance {$230.00} What are the GLBA Compliance Requirements?\n\nGLBA compliance is a part of the Federal Trade Commission ( FTC ). According to the GLBA, the three main components that a company needs to meet are : 1. The Financial Privacy Rule The first component of the GLBA compliance checklist is the Financial Privacy Rule. The main purpose of the Financial Privacy Rule is to provide an agreement between financial institutions and their customers regarding the protection of their Non-Personal Information ( NPI ).\n\nAccording to the Financial Policy Rule, a business should provide suitable notices of its privacy norms and policies to consumers. Consumers are defined as those individuals who are using the product or services of the business. The notice should include details regarding : With whom the information is being shared? \nHow will the shared information be used?\n\nHow will private data be protected?\n\nThe Financial Policy Rule provides details pertaining to the collection and disclosure of private financial information to regulate the sharing of Non-Personal Information ( NPI ) of your customers with external agencies. It also requires businesses to provide the customers the choice to opt in or out of having their NPI ( Non-Personal Information ) disclosed to non-affiliated third parties.\n\n2. The Safeguards Rule According to the Safeguards Rule, financial institutions must develop, implement, and maintain a detailed information security plan that explains how the business is protecting customers ' and previous customers ' nonpublic personal information ( NPI ). The 'Safeguards Rule ' should provide details regarding the measures adopted towards building up an NPI protection plan for better cybersecurity including : Protection against common attack vectors, cyber threats, and cyber attacks Protection from data leaks, data breaches, and unauthorized access for use of nonpublic personal information ( NPI ). \nXXXX. The Pretexting Provisions The Pretexting Provisions rule supports financial institutions to build up protection against the problem of social engineering or pretexting. This usually happens when a fraud person impersonates the account holder by telephone, mail, or often by phishing or spear-phishing and tries to get unauthorized or fraudulent access to personal information. The most popular compliances for Pretexting Provisions include : A comprehensive written plan for scrutinizing account activity Conducting staff training exercises to ensure the prevention of providing NPI to fraudulent entities by employees Identifying and carrying out Operations Security ( OPSEC ) processes for risk management What are Penalties for GLBA Non-Compliance?\n\nGLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses I feel like ( XXXX ) have violated the following Failure to Provide Privacy Notices : Financial institutions are required to provide customers with privacy notices that explain the types of personal information that the institution collects, how that information is used, and how it is shared. Non-compliance with this requirement can result in penalties and fines. \nUnauthorized Access to Customer Information : Financial institutions are required to establish appropriate safeguards to protect customer information from unauthorized access. If an institution fails to secure its systems or fails to properly authenticate users, it could lead to a data breach that exposes customer information.\n\nInadequate Information Security Policies : The GLBA requires financial institutions to develop and implement information security policies that protect customer information. If an institution fails to develop adequate policies or fails to implement them effectively, it could result in a data breach and expose customer information.\n\nFailure to Train Employees : Financial institutions are required to train employees on how to comply with the GLBAs privacy and security requirements. If an institution fails to provide adequate training, employees may inadvertently violate the laws requirements, leading to penalties and fines Inadequate Vendor Management : Financial institutions are required to ensure that vendors who have access to customer information are also complying with the GLBAs privacy and security requirements. If an institution fails to adequately manage its vendors, it could result in a breach that exposes customer information. \n\nXXXX XXXX ( founding partner of consumer attorney ) consumerattorneys.com will be assisting me in seeking damages against ( XXXX ) under the ground of violating the The Gramm-Leach-Bliley Act ( GLBA ).\n\nDISCOVER BANK Account number XXXX Date opened XX/XX/year> Balance {$230.00}","date_sent_to_company":"2024-05-05T22:38:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"8933744","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-05-05T21:59:32.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The most popular compliances for Pretexting Provisions include : A comprehensive written <em>plan</em> for scrutinizing account activity Conducting staff training exercises to ensure the prevention of providing NPI to fraudulent entities by employees Identifying and carrying out Operations <em>Security</em> ( OPSEC ) processes for <em>risk</em> management What are Penalties for GLBA Non-Compliance?\n\nGLBA non-compliance penalties can be quite serious for financial institutions."]},"sort":[10.775586,"8933744"]},{"_index":"complaint-public-v1","_id":"15077895","_score":10.642523,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To who this may concern, I am writing on behalf of XXXX XXXX XXXX XXXX to inform you that we are very concerned and dissatisfied with the recent handling of a fraudulent ACH payment on our primary account with KeyBank. \n\nOn Thursday, XX/XX/XXXX at XXXX XXXX  Eastern, an unauthorized ACH payment attempt was made to debit + {$13000.00} from our account. At the time this transaction was being processed, our primary account holder was physically present at the bank, and the payment was mentioned during communication. Working with Bank Manager, XXXX XXXX, we quickly assessed the situation and requested an immediate halt to the payment, as we do not typically engage with vendors or clients to process such a large payment. \n\nWhile we appreciate that XXXX XXXX acted swiftly to stop the initial request, we were dismayed to learn that he did not terminate the follow-up mechanisms within the ACH processing system. This failure allowed a second automated payment attempt, which ultimately resulted in a withdrawal of {$13000.00} to the account that was confirmed as fraudulent. \n\nThis incident reflects a lack of adequate knowledge and due diligence on the part of the banks team and management, who are responsible for ensuring the financial security of client assets. It also exposes a critical flaw in the automated ACH processes, where human intervention to suspend suspicious transactions did not trigger a comprehensive follow-up action. More specifically, had management taken appropriate measures, such as flagging the recipient account for potential fraud and blocking all subsequent transactions, this loss would have been entirely preventable. \n\nIn light of this, we believe there are significant opportunities for KeyBank to enhance its fraud prevention protocols, particularly concerning accounts flagged for fraudulent activity. Given KeyBanks substantial assets : -- {$180.00} XXXX in total assets as of XXXX XXXX -- {$60.00} XXXX in wealth management assets, -- {$19.00} XXXX in Key Family Wealth assets as of XX/XX/XXXX ) -- {$2.00} XXXX onboarded by Key Private Client from XX/XX/XXXX to XX/XX/XXXX There is ample capability and responsibility to protect clients from such risks. Our loss of {$13000.00}, nearly half of our assets as a small nonprofit, would equate to a total of {$94.00} XXXX in client losses if this fraud were to happen on a larger scale, because if it can happen to one client, it can happen to any client when the bank is operating with flawed security systems and client protection in place. \n\nWe strongly urge KeyBank to adopt the following best practices immediately : Implement automatic blocking or restriction of all transactions with accounts flagged and confirmed for fraudulent activity. \n\nEnforce a probation or monitoring period on flagged accounts, ensuring thorough investigation and minimizing risk before allowing any further transactions. \nEnhance the interaction between automated systems and human oversight to ensure that flagged incidents receive deeper, immediate follow-up action. \n\nDespite our direct communications with KeyBanks CEO, XXXX XXXX XXXX, and their Executive Assistant, our {$13000.00} remains unrecovered, and we have received no satisfactory resolution. Therefore, through this letter, XXXX XXXX XXXX XXXX files a formal complaint with the hopes of preventing other clients, regardless of service tier, from suffering similar losses due to these operational lapses and system flaws. \n\nWe trust that KeyBank will take this matter with the utmost seriousness and respond promptly with a plan to rectify the situation and strengthen your controls to protect all clients. \n\nThank you for taking the time to look into this urgent matter. We look forward to hearing back from you soon.","date_sent_to_company":"2025-09-02T22:30:03.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"44145","tags":null,"has_narrative":true,"complaint_id":"15077895","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2025-08-04T13:10:57.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We trust that KeyBank will <em>take</em> this matter with the utmost seriousness and respond promptly with a <em>plan</em> to rectify the situation and strengthen your controls to protect all clients. \n\nThank you for taking the time to look into this urgent matter. We look forward to hearing back from you soon."]},"sort":[10.642523,"15077895"]},{"_index":"complaint-public-v1","_id":"11879316","_score":10.614168,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent : Dispute and Request for Credit Freeze - Violation of Fair Credit Reporting Act and Nevada State Law To Whom It May Concern : This letter constitutes a formal dispute regarding the inability to place a credit freeze on my TransUnion credit report. I have attempted to initiate a credit freeze through [ method of freeze attempt, e.g., website, phone ] on [ date ( s ) of attempts ], but my requests have been unsuccessful.\n\nThe Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-1, explicitly grants consumers the right to place a security freeze on their credit reports without charge. This right is further reinforced by Nevada state law ( NRS 603A ). The FCRA mandates that credit reporting agencies must comply with consumer requests for credit freezes within one business day.\n\nTransUnion 's failure to process my credit freeze request constitutes a violation of both federal and state law. This inaction creates a significant risk to my financial security by exposing me to potential identity theft and fraudulent credit activity. \n\nRelevant Case Law and Credit Law References : * XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) : This case established the FTC 's authority to regulate credit reporting agencies and enforce compliance with the FCRA. The court affirmed the importance of consumers ' rights to access and control their credit information. \n* XXXX v. XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) : This case addressed the liability of credit reporting agencies for inaccuracies in credit reports and the importance of consumer rights under the FCRA. \n* 15 U.S. Code 1681e ( b ) : This section of the FCRA mandates that credit reporting agencies must investigate consumer disputes and correct any inaccurate or incomplete information.\n\n* Nevada Revised Statutes Chapter 603A : This chapter of Nevada law provides specific protections for consumers ' credit rights, including the right to place a security freeze on their credit reports. \nI demand that TransUnion immediately investigate this issue and rectify the error preventing me from placing a credit freeze on my account. I expect a written response within the timeframe mandated by the FCRA ( 30 days ) that includes the following : * A detailed explanation of the reason for the unsuccessful freeze attempts. \n* Confirmation of the successful placement of a credit freeze on my TransUnion credit report. \n* A plan to prevent similar issues from occurring in the future. \nI reserve the right to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Nevada Attorney General 's office, and the Federal Trade Commission ( FTC ), if TransUnion fails to resolve this matter promptly and satisfactorily. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-31T04:39:13.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"89106","tags":null,"has_narrative":true,"complaint_id":"11879316","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-31T04:26:41.000Z","state":"NV","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":["* A <em>plan</em> to prevent similar issues from occurring in the future. \nI reserve the right to <em>take</em> further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Nevada Attorney General 's office, and the Federal Trade Commission ( FTC ), if TransUnion fails to resolve this matter promptly and satisfactorily. \nSincerely, XXXX XXXX"],"issue":["Problem with fraud alerts or <em>security</em> 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