{"took":138,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":14,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2945343","_score":8.931697,"_source":{"product":"Checking or savings account","complaint_what_happened":". \n\n\n\n\n\nURGENT FROM : XXXX. XXXX XXXX XXXX, XXXX XXXX, President Commissaries XXXX ; and XXXX XXXX, Majority Owner, 100 % Proxy Holder and CIO ATT : 1.XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Head of Americas Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX ; 2.XXXX XXXX XXXX - VIA Email : XXXX ; XXXX Office Mail Code XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX CC : I. Federal Deposit Insurance Corporation, Division of Depositor and Consumer Protection XXXX / XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / FDIC Reference among others : Number : XXXX VIA / E-mail : XXXX, XXXX ; II. Federal Reserve Board of Governors XXXX XXXX XXXX XXXX, XXXX  XXXX VIA / E-mail : XXXX ; Reference among others : Number XXXX XXXX. Consumer Financial Protection Bureau XXXX XXXX, Senior Vice President - Head of Customer Experience Consumer Financial Protection Bureau-XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VIA / E-mail : XXXX ; IV. Office of the Comptroller of the Currency XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX VIA / E-mail : XXXX ; Reference among others : Number :XXXX XXXX United States Securities and Exchange Commission ( SEC ), XXXX XXXX SEC Headquarters Office, to the hands of XXXX XXXX XXXX XXXX Special Counsel Office of Investor Education and Advocacy U.S. Securities and Exchange Commission VIA / E-mail : XXXX, XXXX, XXXX ; VI. \n\nFEDERAL TRADE COMMISSION Headquarters Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Telephone : ( XXXX ) XXXX VIA Email : XXXX XXXX. XXXX Direction XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ; XXXX. XXXX, XXXX ; Ladies and Gentlemen from XXXX XXXX and XXXX XXXX, Ladies and Gentlemen from CHASE, We, XXXX XXXX and XXXX XXXX, refer to our previous correspondence ( See attached corespondence with XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). We are acting in our capacity as President Commissaries, and 100 % Proxy-Hoder and CIO ( Chief Investment Officer ) from XXXX XXXXXXXX XXXX XXXX. \n\nTherefore among others, it has to be noted, that CHASE and its subsidiaries in the role of remittancebank illegally did transfer from our deposit-accounts in XXXX XXXX ( XXXX ) XXXX via XXXX XXXX XXXX to XXXX XXXX XXXX   an amount of USD XXXX XXXX ( please compare again belove attached clearing document ( mr XXXX XXXX XXXX PAGE ), which was sent to CHASE by FDIC and by CFPB, but which questionnaire remained unanswered ). Disposition ( s ) about our assets took place without XXXX XXXX XXXX   INVESTASIs knowledge and consent. This money was stolen from our account in XXXX XXXX ( XXXX ) XXXX and further on was illegally used by JP Morgan XXXX  ( whereby deposits are insured with FDIC and registered with SEC US ). \n\nIn connex with proceeds realized via stock-market by XXXX XXXX in cooperation with XXXX XXXX  XXXX ( USD XXXX XXXX-Please see attachment belove again XXXX dbag XXXX ) from traded deposits of XXXX XXXXXXXX XXXX XXXX, CHASE has received prospects and authentificated transaction by XXXX XXXX ( XXXX XXXX XXXX ) including all the details and registered with SEC US in a volume of XXXX XXXX USD. \n\nIn XX/XX/XXXX bank -statments from XXXX XXXX ( in total were collected more then USD XXXX XXXX from assets of XXXX XXXX XXXX ) were falsified and registered under the name of XXXX XXXX who again was not informed about. \n\nFrom XXXX XXXX per XXXX to XXXX XXXX XXXX XXXX then was confirmed, that suche transfers was provided for a certain beneficiary company for TRADING ( compare : XXXX XXXX XXXX -statements and Agreements which was sent among others to the US competent authorities FDIC , SEC US , CFPB and FED US and to competent international prosecutors in XXXX XXXX XXXX and XXXX in regard with investigations and prosecutions against involved XXXX XXXX  XXXX , XXXX XXXX , XXXX XXXX XXXX in International Criminal Organized Bank Cartel and abuse the assets of our company XXXX XXXX XXXX ( Please see above attachment XXXX XXXX XXXX  XXXX XXXX XXXX )! \nAs it can be seen from previous correspondence, XXXX XXXX did not want to cooperate with us. In the meantime it came up, that there are massive irregularities related to the business relationship between XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and other international banks, this over many years. Our assets are based on the deposits held at XXXX XXXX XXXX and XXXX, XXXX and its subsidiary ( among others see attachments our mentioned assets registered with SEC US and insured with FDIC ), which were denominated in XXXX and have been used, among others, as collateral for credit lines opened at XXXX XXXX XXXX ( Please see attachment MKB 1 ( 1 ) .pdf ( 397 KB ). \n\nOnce these credit lines have been opened, XXXX XXXX  XXXX has given various assessments to other international banks where these investments exist until today. Interest and income were also assessed on a resurgent basis. But after original investments via XXXX XXXX XXXX have come to an end, we are prevented from accessing our assets. \n\n\nWe are now editing individual banks in which such investments are deposited in the name of PT. XXXX XXXX XXXX / XXXX XXXX. We provide you with appropriate information related to investments of PT. XXXX XXXX XXXX at XXXX XXXX, in which connex an essential role plays SEC, as among others - XXXX American Depositary Shares are filed with the U.S. Securities and Exchange Commission on XX/XX/XXXX ( Registration Nr. XXXX and that the role of CUSTODY has XXXX XXXX ).  Enclosed you find respective correspondences and prospectus. \n\n\nFurther there are XXXX XXXX Dynamic Proportion Portfolio Notes ( date of prospectus 6. XX/XX/XXXX ). An excerpt ( pages 80 86 ) from  respective prospectus you find enclosed, where you also will find the role of XXXX. XXXX XXXX XXXX. The name XXXX applies to the abbreviation of XXXX. XXXX XXXX XXXX at XXXX XXXX XXXX, but the real investor XXXX. XXXX XXXX XXXX here apparently has been tried to disguise and it has been tried to push forward a company with virtually identical /similar name as a PXXXX XXXX  called XXXX XXXXXXXX XXXX XXXX ( XXXX ) ltd.. But such a company was never officially registered under this name (! ). Such dubious circumstances are in an urgent need of clarification. \n\nIn our annexes you will also find part of the correspondence, prospectuses, etc. collected since XXXX. Direct corespondences with XXXX XXXX ( among others with XXXX XXXX XXXX ) remained inconclusive. In XXXX we also have contacted competent French supervisory authority XXXX among others via our legal department. First XXXX XXXX XXXX / XXXX seemed to be cooperative, but then XXXX XXXX / XXXX ( her superiors ) did not give us any valuable information and apparently had great interest in completing further contacts between XXXX. XXXX XXXX XXXX and XXXX. In the end, until now there was no result to get information from XXXX XXXX and from XXXX why we have not been able to realize even a single dollar of our XXXX XXXX assets (! ). \n\nPT. XXXX XXXX XXXX assets at XXXX XXXX consist of ( please see enclosed ) : a ) XXXX XXXX ADRs ; b ) XXXX XXXX Linked Dynamic Proportion Portfolio Notes ; c ) Possibly other assets, which have been concealed to us so far ; INFORMATION TABLE The provisions of this Information Table set out below ( save for Part 4 ( Fees ), Part 5 ( Performance Swap Information ) and Part 6 ( Administrative and Settlement Data ) ) will be endorsed upon, or attached to, each Global Note and Note Certificate. Part 1 Issue Amount and Redemption Date Class Initial Issue Amount Redemption Date Principal Protection Ratio Issue Date Class E-5GC Up to EUR XXXX XX/XX/XXXX 85 % XX/XX/XXXX The class of Notes specified above is a \" Class '' of Notes. 1. Distribution fees and other costs of issuance in relation to each Class of Notes are met by the Swap Counterparty on behalf of the Issuer in consideration for a debit to the applicable Notional Cash Account as described in the section of this Prospectus entitled \" The Performance Swaps ''. The Swap Counterparty will make payment of such distribution fees to the Sole Distributor. \n\n\n2. The Issue Date and Redemption Date may be subject to adjustment. Any such adjustment will be the subject of an announcement on the website of the XXXX Stock Exchange ( XXXX ) and on the website of the XXXX Stock Exchange ( XXXX ). \n\nPart 2 Coupons Notes Coupon Payment Dates Day Count Fraction Guaranteed Coupon Rate Class E-5GC Each date falling on the expiry of each six month period from the Issue Date, up to and including the Redemption Date XXXX 0.25 % Part 3 General Business Day Centres : XXXX, XXXX XXXX, XXXX   XXXX, XXXX, XXXX Issue Price : 100 per cent. Series Number : XXXX \" XXXX XXXX '' ( See Page 17 ) Part 4 Fees Notes Senior Management Fee Rate Junior Management Fee Proportion Gap Risk Payment Rate Target Rate Class E-5GC 0.80 % 20 % 0.80 % 3 month EURIBOR plus 230bps Part 5 Performance Swap Information Notes Currency Limit Liquidity Event Threshold Class E-5GC 2.00 % 2.00 % Eligible Currency : USD, EUR, GBP, JPY Part 6 Administrative and Settlement Data Notes Specified Denomination Tradeable Amount ISIN Common Code VP code Class E5GC EUR XXXX EUR XXXX and integral multiples of EUR XXXX thereafter XXXX, XXXX, XXXX See paragraph 3.1 of the section of this Prospectus headed \" Summary of the Portofolio. \nIt can be assumed that XXXX XXXX XXXX, which still withholds crucial information and codes, has intervened with XXXX XXXX, possibly also with XXXX, so that the business relationship between XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX could not be discovered by way of XXXX XXXX. \n\nThere is urgent suspect, that XXXX XXXX and XXXX XXXX was and is acting with an aim of misusing assets from XXXX. XXXX XXXX XXXX and improperly enriching itself and / or third parties ( clients and/or business-partners ). According to our investigations XXXX XXXX is responsible for illegal and criminal steps by falsification of prospects related to our investments. The facts of investment ( s ) of PT. XXXX XXXX XXXX in XXXX XXXX are out of question and are evident from prospectuses registered with SEC US ( see  XXXX ( 43 KB ), filed with US SEC on XXXX XXXX, Registration XXXX ). \n\nIn both prospects from the beginning are containing general text and date of ISSUE 6. XX/XX/XXXX ( in total 117 pages ), compare prospectuses ( XXXX Prospectus.pdf ( 963 KB ) and XXXX XXXX Credit-Linked Dynamic Proportion % XXXX ( 1 ) .pdf ( 756 KB ). \n\nQUOTE PROSPECTUS XXXX XXXX ( the \" Issuer '' ) ( incorporated in XXXX ) issue of \" XXXX XXXX '' Dynamic Proportion Portfolio Notes ( the \" Notes '' ) This Prospectus constitutes a prospectus for the purposes of Article 5.3 of Directive XXXX ( the \" Prospectus Directive '' ) as implemented in XXXX by the Prospectus ( Directive XXXX ) Regulations XXXX and has been prepared, amongst other things, for the purpose of giving information with regard to the Issuer and the Notes. \n\nApplication will be made to the XXXX Financial Services Regulatory Authority ( the \" XXXX '' ), as competent authority under the Prospectus Directive, for this Prospectus to be approved. Such approval will relate only to Notes which are to be admitted to trading on the regulated market of the XXXX Stock Exchange or  other regulated markets for the purposes of Directive XXXX or which are to be offered to the public in any Member State of the XXXX XXXX XXXX. \n\nApplication will be made to the XXXX Stock Exchange for Notes issued to be admitted to the Official List and trading on its regulated market. Application will additionally be made to XXXX XXXX for some or all of the Classes of Notes to be admitted to trading on its regulated market ( on the basis of the approval of the XXXX referred to above ). \n\nNo assurances can be given that such listing and admission to trading will be approved. Any investment in Notes does not have the status of a deposit and will not have the benefit of the deposit protection scheme operated by the XXXX. The Issuer will not be regulated by the IFSRA by virtue of the issue of Notes. \n\nThe Notes will be offered for sale to the public in XXXX, XXXX, the Kingdom of XXXX and the Kingdom of XXXX during a subscription period from ( and including ) XXXX XX/XX/XXXX to ( and including ) XXXX XX/XX/XXXX, provided that the relevant regulatory approvals have been granted. Such subscription period is subject to adjustment by or on behalf of the Issuer ( and for the avoidance of doubt, no supplement to this XXXX will be published in relation thereto ). \n\nThe total number of Notes and the Classes of Notes to be issued will be determined based on market demand for the Notes during the subscription period together with market conditions at the end of the subscription period and will be made available on the website of the XXXX Stock Exchange ( XXXX ) on or around the last day of the subscription period ( and for the avoidance of doubt, no supplement to this Prospectus will be published in relation thereto and such information will be in the form of an announcement in accordance with Article 8 of the Prospectus Directive and the XXXX will be notified of such information and dealing in the Notes may begin before such information is made available ). \n\nThe XXXX has been requested to provide the competent authorities in XXXX, XXXX, the Kingdom of XXXX and the Kingdom of XXXX for the purposes of the Prospectus Directive with a certificate of approval attesting that the Prospectus has been drawn up in accordance with the Prospectus Directive. Further requests may be made in the future to the competent authorities in other jurisdictions. \n\nTHE NOTES HAVE NOT BEEN, AND WILL NOT BE, REGISTERED UNDER THE SECURITIES ACT AND, MAY NOT BE OFFERED, SOLD OR DELIVERED WITHIN THE UNITED STATES OR TO, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS ( AS DEFINED IN REGULATION S UNDER THE SECURITIES ACT ). THE ISSUER HAS NOT BEEN NOR WILL BE REGISTERED UNDER THE INVESTMENT COMPANY ACT. \n\nArranger : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sole Distributor XXXX XXXX The date of this Prospectus is XXXX XX/XX/XXXX UNQUOTE BUT : Note Difference in the text starts in prospectus A ( XXXX Prospectus.pdf ( XXXX KB ) on PAGE 1 below where are the following DATA DETAILS evident : / XXXX XXXX XXXX XXXX and further , among others on PAGES XXXX XXXX : QUOTE THE PORTFOLIO MANAGER XXXX XXXX XXXX, XXXX, a XXXX corporation ( XXXX ), is a holding company which, through its subsidiaries, is engaged in a broad range of insurance and related activities in the United States and abroad. \n\nXXXX  primary activities include both general and life insurance operations. Other significant activities include retirement services, financial services and asset management. XXXX XXXX XXXX ( XXXX ) comprises a group of international companies which provide investment advice and market asset management products and services to clients around the world. \n\nThe XXXX XXXX will be XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX the Portfolio XXXX ), a private limited company incorporated under the laws of XXXX and XXXX, and authorized and regulated by the XXXX XXXX XXXX XXXX XXXX with permission to manage investments. XXXX. XXXX XXXX XXXX, a XXXX XXXX corporation and an investment advisor registered with the United States Securities and Exchange Commission, will provide subadvisor services to the Portfolio Manager. \n\nEach of the Portfolio Manager and XXXX. XXXX XXXX XXXX. are wholly-owned subsidiaries of XXXX. As of XX/XX/XXXX, XXXX managed approximately U.S. dollars XXXX XXXX of assets, of which approximately XXXX dollars XXXX XXXX related to XXXX affiliated assets ( including those managed by joint ventures and certain other JSXinvestment advisor subsidiaries, but not including assets sub-advised to third party managers ) and approximately U.S. dollars XXXX XXXX related to client assets.JSX manages more than U.S. dollars XXXX XXXX in fixed income investments. JSXs managed fixed income investments include investment grade bonds, high yield bonds, private investments, leveraged loans, municipal bonds and mortgage loans. XXXX presently has more than 2,000 employees worldwide. \n\nPersonel Information regarding the background and experience of key personnel who are expected to be involved, directly or indirectly, in the selection and management of the XXXX XXXX XXXX is set out below. Such persons may not necessarily continue to be employed by XXXX for the entire term of the Portfolio Management Agreement and/or may not perform or continue to perform services in relation to the Global Reference Portfolio or the Portfolio Management Agreement. \n\nXXXX XXXX, Vice President, Senior Portfolio Manager, XXXX XXXX and XXXX XXXX XXXX joined XXXX in XXXX and is a Senior Portfolio Manager responsible for managing credit derivatives, synthetic CDOs, and preferred stock portfolios. Since joining, XXXX XXXX has been involved in building XXXX 's credit derivatives portfolio. Prior to AIGGIG, XXXX XXXX worked with XXXX as a Corporate Bond Strategist. His responsibilities there included developing quantitative and relative value tools, portfolio strategy, credit derivatives, and risk management. Prior to XXXX, he was at XXXX XXXX in their XXXX XXXX XXXX XXXX. Prior to that, he worked as a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX received an XXXX in XXXX from XXXX University of XXXX XXXX and a XXXX  in XXXX from XXXX XXXX XXXX XXXX in XXXX. \n\nXXXX XXXX, Vice President, Senior Credit Analyst, High Grade Fixed Income XXXX XXXX joined XXXX in XXXX. He is primarily involved in high grade credit research and oversees the global consumer cyclical research team. In addition, he has regional sector responsibility for XXXX XXXX, building materials, and general industrials. Prior to this role, XXXX XXXX was a portfolio manager responsible for managing a range of XXXX and XXXX balance sheet and total return portfolios. Prior to joining XXXX, he worked as a portfolio manager in the XXXX XXXX XXXX subsidiary of XXXX XXXX XXXX XXXX. XXXX XXXX is a qualified Accountant and is an Associate Member of the XXXX XXXX XXXX XXXX XXXX ( XXXX ). He received a XXXX  ( Honours ) in XXXX XXXX XXXX from XXXX XXXX XXXX and is an Associate Member of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). \n\nXXXX XXXX, Senior Managing Director, Head of Global Fixed Income XXXX XXXX joined XXXX with the acquisition of XXXX XXXX XXXX XXXX ( XXXX ) in XXXX and is responsible for XXXX 's Global Fixed Income operations. As Chief Investment Officer of XXXX since XXXX, XXXX XXXX was responsible for overseeing all aspects of AGIMs business. Prior to AGIM in XXXX, XXXX XXXX served as Vice Chairman, General Counsel, and Chief Investment Officer of XXXX XXXX XXXX, a U.S. dollars XXXX XXXX annuity company, based in XXXX, XXXX. XXXX XXXX began his career at XXXX XXXX XXXX in XXXX. After two years with the firm, XXXX XXXX moved to XXXX XXXX XXXX, XXXX. where he was a partner in the corporate finance and securities section of the firm. XXXX XXXX received an XXXX ( cum laude ) in  XXXX from XXXX University and a XXXX  from XXXX University XXXX XXXX. He is also a member of XXXX XXXX XXXX. \n\nXXXX XXXX, Vice President & Senior Investment Manager,  Emerging Markets Fixed Income XXXX XXXX joined XXXX in XXXX as a Senior Investment Manager contributing to the Emerging Market Bond Team. He focuses on portfolio management of local currency debt as well as sovereign debt. XXXX XXXX was previously the London-based emerging market currency strategist for an affiliate, XXXX XXXX XXXX. \n\nXXXX XXXX began his investment career when he joined the XXXX member companies in XXXX, following roles at the XXXX for XXXX, the XXXX XXXX, and the Permanent Representation of XXXX to the XXXX XXXX. He received a degree in XXXX from the University XXXX XXXX and a XXXX in XXXX of the XXXX XXXX from the University of XXXX. \n\nXXXX XXXX, Managing Director, Co-Head of High Yield ( Please see public Article ... .. ) XXXX XXXX XXXX XXXX as Head of High Yield Research in 2001 with the acquisition of XXXX XXXX XXXX XXXX became a high yield Portfolio Manager for XXXX in XX/XX/XXXX and Co-Head of High Yield in XXXX. At AGIM, XXXX XXXX served as the media/communications group head. XXXX XXXX was with XXXX XXXX of California where he most recently served as Vice President covering the media and communications sectors. Prior to that, XXXX XXXX served as Vice President in the media and communications groups of XXXX XXXX and XXXX XXXX. He also worked as an associate in corporate finance at XXXX XXXX XXXX XXXX. XXXX XXXX began his career in the audit division of XXXX XXXX XXXX XXXX  He received a XXXX, summa cum laude, in XXXX from XXXX, and an XXXX from the University of XXXX, XXXX. He is a member of XXXX XXXX XXXX. \n\nXXXX XXXX, Managing Director, Head of High Grade Corporate Bond Trading XXXX XXXX joined XXXX in XXXX and is a Managing Director and Head of High Grade Corporate Trading, overseeing trading for both the XXXX XXXX and XXXX trading desks. XXXX XXXX also is responsible for trading U.S. corporate bond and credit derivative markets for the airlines, autos, energy, and REITs sectors. Since joining XXXX, XXXX XXXX has been involved in integrating trading teams from both XXXX and XXXX XXXX, as well as the high grade team in XXXX. Prior to joining XXXX, XXXX XXXX was a Fixed Income Trader and Portfolio Manager for XXXX XXXX and a Management Associate with XXXX XXXX XXXX. XXXX XXXX received a XXXX in XXXX XXXX   XXXX from XXXX XXXX. \n\nXXXX XXXX, Managing Director, Head of XXXX XXXX Debt XXXX XXXX joined XXXX in XXXX and is Head of Emerging Markets Debt. He is responsible for the portfolio management of emerging sovereign strategies in hard and local currencies and credit default swaps for internal and non-affiliated clients. Prior to his current position and responsibilities at XXXX, his responsibilities included portfolio management of single currency U.S. Dollar, Sterling, and Irish Punt portfolios as well as global bond portfolios. XXXX XXXX is a member of the Fixed Income Asset Allocation Team and also represents emerging markets debt in the Global Asset Allocation Committee meetings. He received a XXXX ( Honours ) in XXXX XXXX XXXX from the University of XXXX. \n\nXXXX XXXX, Vice President, Trader, High Grade Fixed Income XXXX XXXX joined XXXX in XX/XX/XXXX and is currently based in XXXX XXXX, and is responsible for trading dollars in the following sectors : Aerospace/Defense, Healthcare, Homebuilders, Hotels, Gaming, Consumer Products, Retail and Supermarkets. XXXX XXXX was based in XXXX from XX/XX/XXXX to XXXX of XXXX, where he traded dollars, euros and sterling in the following sectors : Autos, XXXX Chemicals, Metals, Supermarkets, Retail, Sovereigns, Supranationals, U.S. treasuries and U.S. agencies. From XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX was based in XXXX XXXX and traded Consumer Products, Defence, Banks, Brokers, Healthcare, Sovereigns, Supranational,  Agencies, other services and all floating rate paper. Upon joining XXXX, he worked in the Systems Department as a Front Office Systems Analyst where he implemented several different fixed income and equity analytical systems. Prior to joining XXXX, XXXX XXXX was a Senior Pricing Analyst at XXXX XXXX XXXX. He received a XXXX in XXXX XXXX and a Minor in Economics from the University of XXXX XXXX. He holds Series 7 and 63 licenses and the XXXX XXXX XXXX. \n\nXXXX XXXX, Fixed Income Trader, Investment Grade Fixed Income XXXX XXXX joined XXXX in XXXX and is a member for the XXXX High Grade team trading Financials, Utilities, Defence, Pharmaceuticals, and Consumer Products in both cash and CDS. Prior to joining XXXX, XXXX XXXX was an underwriting trainee at XXXX. He received a XXXX in XXXX from XXXX University. \n\nXXXX XXXX, Managing Director, Head of Fixed Income Trading Desk, XXXX XXXX XXXX joined XXXX in XXXX and is the Head of Fixed Income Trading in XXXX. His responsibilities include trading corporate bonds and credit default swaps within balance sheet and total return portfolios. XXXX XXXX also manages three other traders in the XXXX office and is the dedicated emerging market trader focusing on both hard currency and local government markets. \n\nPreviously, XXXX XXXX was at XXXX XXXX XXXX, most recently as a Fixed Income XXXX. Prior to XXXX, he was employed by XXXX XXXX XXXX XXXX and XXXX XXXX Overseas Division in different capacities in the money market area. XXXX XXXX received his Investment Management Certificate and completed the Security and Financial Derivatives Examination. XXXX XXXX, XXXX, Vice President, Investment XXXX, Fixed Income Investment Grade XXXX XXXX joined XXXX in XXXX as a Fixed Income Investment XXXX. Her primary responsibility includes managing single currency portfolios with a credit bias. She began her career as an Investment Manager for XXXX XXXX XXXX on the XXXX XXXX XXXX team specializing in XXXX credit portfolios. \n\nXXXX XXXX graduated from XXXX University with a XXXX  degree in XXXX. She has completed the XXXX XXXX XXXX and XXXX. XXXX XXXX is a member of the XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). She is a CFA charterholder. \n\nXXXX XXXX, Chief Credit Officer, Global Fixed Income XXXX XXXX joined XXXX in XXXX and is the Chief Credit Officer for Global Fixed Income with responsibilities that span various asset classes and geographies. \n\nHe also chairs XXXX XXXX XXXX XXXX. Prior to his current duties, XXXX XXXX served as Managing Director of High Grade Fixed Income Research, where he oversaw a team of 16 investment professionals responsible for over U.S. dollars XXXX XXXX in assets. Prior to joining XXXX, XXXX XXXX worked for New York XXXX XXXX XXXX for 12 years, serving as an analyst covering various industry sectors, then as a manager in various credit functions. Previously, he worked in the Controller 's Department of XXXX XXXX XXXXXXXX for 6 years where he focused on investment accounting, mergers and acquisitions, competitive analysis and strategic planning. XXXX XXXX is a member of the XXXX XXXX Society of Security Analysts and has served on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where he remains a member. He holds an XXXX in XXXX from XXXX XXXX University 's XXXX XXXX XXXX XXXX and a XXXX in XXXX  from XXXX University. \n\nXXXX XXXX, XXXX, Managing Director, Fixed Income Capital Markets of XXXX XXXX XXXX is responsible for XXXX Matched Investment Program, as well as coordinating XXXX other fixed income capital markets initiatives. \n\nXXXX XXXX is also responsible for overseeing XXXX Structured Credit business including investments in third-party-managed CDO transactions and issuance of XXXX XXXX transactions. XXXX XXXX held a similar position at XXXX where she also directed the firms investments in asset-backed and commercial mortgage-backed securities. XXXX XXXX joined XXXX with the acquisition of XXXX in XXXX, and XXXX XXXX in XXXX as a member of the real estate group. Her prior experience was in real estate banking. XXXX XXXX earned a BA degree in sociology and an XXXX degree in XXXX  from the University of XXXX at XXXX. XXXX XXXX is a CFA charterholder. \n\nXXXX XXXX XXXX, CFA, Vice President, High Yield Trader, XXXX XXXX XXXX XXXX XXXX rejoined XXXX XXXX High Yield Team in XXXX. XXXX XXXX was a high yield portfolio manager with XXXX XXXX XXXX. Over the ten years that he has been associated with XXXX, XXXX XXXX had been involved in many different aspects of the companys financial business including systems, marketing services, securities accounting, portfolio forecasting and analysis and, beginning in XXXX, high yield trading. Prior to joining XXXX in XXXX, XXXX XXXX was a municipal bond trader with XXXX XXXX, XXXX and a financial analyst and trader for XXXX XXXX XXXX XXXX XXXX. He received a BS in Finance from the University of XXXX in XXXX and an XXXX in XXXX from XXXX University in XXXX. He is a XXXX charterholder. \n\nXXXX XXXX, Vice President, Senior Investment XXXX XXXX XXXX joined XXXX in XXXX and is a Vice President and Senior Investment Manager responsible for interest rate and currency and credit risk on both multi-currency and single currency bond portfolios. Since joining XXXX, he has been in charge of initiating both XXXX and XXXX XXXX products. \n\nXXXX XXXX industry experience began in XXXX at JP Morgan Investment Management where he was responsible for managing single and multi-currency bond portfolios on behalf of pension funds and private clients. During his 11 years at JP Morgan, XXXX XXXX undertook positions in capital markets research, fixed income trading and portfolio management focusing on risk management techniques, use of derivatives and macro economic analysis. XXXX XXXX holds a BSc degree ( honours ) in XXXX XXXX  XXXX from the University of XXXX. He holds the IMC and is registered as a holder of the CFTC Series 3 qualification. \n\nXXXX XXXX, XXXX, Vice President, Structured Credit XXXX XXXX joined XXXX in XXXX. XXXX XXXX invests in and manages a portfolio of third-partymanaged CDO transactions and assists in the issuance of XXXX XXXX transactions. Previously, XXXX XXXX was employed at XXXX, where she was responsible for recommending investments in the XXXX sector and was the analyst for the XXXX portfolio. In addition, XXXX XXXX was part of the management team for two TIAA-managed CDOs backed by structured finance securities. XXXX XXXX has a XXXX  in XXXX ( magna cum laude ) from XXXX University and an XXXX in XXXX from XXXX XXXX University, XXXX XXXX XXXX XXXX. XXXX XXXX is a XXXX charterholder. \n\nXXXX XXXX, Managing Director, High Grade Research XXXX XXXX XXXX joined XXXX in XXXX as a XXXX XXXX XXXX covering financial institutions. In XX/XX/XXXX, he became Director of High Grade Research, and is responsible for managing a group of XXXX XXXX XXXX","date_sent_to_company":"2018-06-25T19:02:37.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2945343","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-06-25T18:22:41.000Z","state":null,"company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["After two years with the firm, XXXX XXXX moved to XXXX XXXX XXXX, XXXX. where he was a partner in the corporate finance and <em>securities</em> <em>section</em> of the firm. XXXX XXXX received an XXXX ( cum laude ) in  XXXX from XXXX University and a XXXX  from XXXX University XXXX XXXX. He is also a member of XXXX XXXX XXXX."]},"sort":[8.931697,"2945343"]},{"_index":"complaint-public-v1","_id":"10023628","_score":8.103868,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Peace and Love To All Who Read This. \nPer the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I, the consumer, may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. Your power of attorney has been removed. Effective Immediately.\n\nThe success of your company and your notes depends on your ability to provide accurate information to your customers and to protect that information among other things. However, you failed to take care of the living men and women whose information youre profiting off of without them even knowing while failing to provide any benefit to them.\n\nAs an investor and one forced into peonage because of a fake system your organization operates, this is a notice to inform you that due to your actions and negligence, you are no longer allowed to carelessly use my personal identifiable information or my social security number to make a profit without my benefit. Due to self-proclaimed consumer reporting agencies like yourself, Ive spent an extensive amount of time and money rebuilding my credit, removing my information from the dark web, canceling cards, bank accounts, etc. I was made aware of the fact that you guys are selling my information after reading your SEC Filings. Youre selling my credit file and report as securities and to companies every month in general as well every time I try to use my credit in the market. Ive been getting turned down by company after company when trying to get credit cards and loans when Im simply trying to rebuild my credit and get my life back in order. This is a fake system that you continue to feed knowing that consumers have the right to credit no matter their score because the credit is coming from their personal estate account tied to their social security number and not from the lender. The lenders create money out of thin air so they arent actually lending me anything. Your credit system is used to punish consumers and keep them trapped in misery. \nYoure aXX/XX/XXXX. You are a private for-profit organization acting as a government entity. As a consumer reporting agency, youre only supposed to provide my info to government organizations regarding child support. You have stolen my nonpublic personal information and youre using it to make money without my permission or consent. I didnt give you permission to obtain my information and youre using my personal information to cause me harm with no remorse. \nWe do not have a contractual agreement with each other in any form or fashion. I never gave you permission to collect my personal information from any external or internal source and I definitely didnt give you permission to sell it to make a profit. This is considered identity theft and fraud. I am unable to purchase a vehicle or perform simple day to day pleasantries due to defamatory reporting. Im tired of the constant excuses of how you guys dont control the info shown on your site when we both know that its a lie.\n\nYour credit reporting has stifled my business making it hard for me to get loans needed that would help my business grow. Due to the slowdown in business, I was forced to look for employment. I have missed out on several jobs that I was more than qualified for, but didnt make it past the background check despite having a clean criminal record.\n\nWith that being said, Im prepared to file a lawsuit unless my demands are met. I will also take my personal CUSIP and send that information over to the SEC as evidence about how youre selling information on the secondary market. Then Ill file a 211, 3949-a on your company and a 1099b on that CUSIP with the IRS. Ill get the FTC and OCC involved as well just because. I will also mention these other claims which include negligence, unjust enrichment, racketeering, organized crime, forced slavery, and a violation of the FCRA. Then Im going to start teaching people how to go after you guys the same exact way! \nYou will find your violations down below, but of course you guys know what laws youre breaking every single day. I expect a prompt response and settlement of this issue within 10 days. \n\nLaws For Enforcement Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) 18 U.S. Code 1961 - Definitions ( 1 ) racketeering activity sections 891894 ( relating to extortionate credit transactions ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1956 ( relating to the laundering of monetary instruments ), fraud in the sale of securities P.L. 90321, Approved XX/XX/XXXX ( 82 Stat. 146 ) Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.\n\n( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.\n\n15 U.S. Code 1681- Congressional findings and statement of purpose Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. \n\n15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( k ) Adverse Action.\n\n( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.\n\n15 U.S. Code 1681b - Permissible purposes of consumer reports In general ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nP.L. 90321, Approved XX/XX/XXXX ( 82 Stat. 146 ) SEC. 604. [ 15 U.S.C. 1681b ] ( a ) IN GENERAL.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XX/XX/XXXX ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. \n\n( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.\n\n( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.\n\n( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.\n\n15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.\n\nPrivacy Act of 1974 ( 5 U.S. Code 552a ) DEFINITIONS.For purposes of this section ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; CONDITIONS OF DISCLOSURE No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be- ( 12 ) to a consumer reporting agency in accordance with section 3711 ( f ) of title 31.\n\n12 CFR 1016.1 - Purpose and scope.\n\n( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.\n\n12 CFR 1016.4 - Initial privacy notice to consumers required.\n\nInitial privacy notice to consumers required.\n\n( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part.\n\n12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.\n\n( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.\n\n( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.\n\n( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. \n( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. \n( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.\n\n( i ) Duration of consumer 's opt out direction.\n\n( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.\n\n15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : SUMMARY | Prospectus 424b4 TransUnion TransUnion is a leading global risk and information solutions provider to businesses and consumers. We provide consumer reports, risk scores, analytical services and decisioning capabilities to businesses. Businesses embed our solutions into their process workflows to acquire new customers, assess consumer ability to pay for services, identify cross-selling opportunities, measure and manage debt portfolio risk, collect debt, verify consumer identities and investigate potential fraud. Consumers use our solutions to view their credit profiles and access analytical tools that help them understand and manage their personal information and take precautions against identity theft. We are differentiated by our comprehensive and unique datasets, our next-generation technology and our analytics and decisioning capabilities, which enable us to deliver insights across the entire consumer lifecycle. We believe we are the largest provider of risk and information solutions in the United States to possess both nationwide consumer credit data and comprehensive, diverse public records data, which allows us to better predict behaviors, assess risk and address a broader set of business issues for our customers. We have deep domain expertise across a number of attractive industries, sometimes referred to as verticals, including financial services, insurance and healthcare. We have a global presence in over 30 countries across XXXX XXXX, XXXX, XXXX XXXX and XXXX.","date_sent_to_company":"2024-09-04T05:26:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34601","tags":null,"has_narrative":true,"complaint_id":"10023628","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-04T05:21:02.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Youre selling my credit file and report as <em>securities</em> and to companies every month in general as <em>well</em> every time I try to use my credit in the market. Ive been getting turned down by company after company when trying to get credit cards and loans when Im simply trying to rebuild my credit and get my life back in order."]},"sort":[8.103868,"10023628"]},{"_index":"complaint-public-v1","_id":"5942130","_score":7.406187,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX To : Wells Fargo XXXX XXXX XXXX XXXX. \n6 major email addresses of Wells Fargo as XXXX XXXX XXXX XXXX Wells Fargo online : XXXX XXXX 2 main of contact phone numbers after the claim dispute and fraud investigation done by Wells Fargo agents who declared the XXXX legitimate service and paid for them {$2400.00}. \nCustomer Service ( XXXX ) XXXX XXXX XXXX Escalated Solution ( XXXX ) XXXX Summary of the issues of XXXX XXXX XXXX of XXXX product as follows : ID # XXXX ( {$49.00} posted XX/XX/XXXX ) ; ID # XXXX ( {$1100.00} posted XX/XX/XXXX ) ; ID # XXXX ( {$710.00} posted XX/XX/XXXX ) ; ID # XXXX ( {$310.00} Posted XX/XX/XXXX ) ; ID # XXXX ( {$200.00} posted XX/XX/XXXX ). I have suffered for almost 3 months starting from XX/XX/XXXX until present XX/XX/XXXX for paying 4 times through my XXXX ending # XXXX the total of {$2400.00}. XXXX paid back {$49.00} for an introduction to their service of installment of electronic devices leaving the disputed amount of {$2400.00}. \nIn my case, the sum of {$2400.00} was the total amount of the labor cost of the installation of the XXXX video camera at some spots inside and outside of my house in conjunction with the XXXX product sold by the XXXX team. However, the XXXX product installment of XXXX was unable to make the connection with the XXXX Community Monitoring ( XXXX security service ), and XXXX also improperly sold the XXXX devices directly to me through their service of installment for my convenience ; therefore, the issue of no appropriate connection to XXXX  monitoring was properly from the Ring devices sold not from the original seller. \nAfter 2 months ( XX/XX/XXXX and XX/XX/XXXX ) of verbal complaints back and forth with the XXXX managers, I received no response and no refund from XXXX managers. Therefore, I called the XXXX XXXX California XXXX XXXX XXXX ) for their advice on XXXX installer issues where I got the message to get my compensatory damage from the Wells Fargo XXXX  to stop payment because the improper selling XXXX devices and failure to make a connection with XXXX XXXX was not under XXXX jurisdiction. \nSo far, under the WF claim dispute and WF Fraud investigation time frame of 60 days starting from the day that WF received my warning and complained against the XXXX merchant 's unlawful conduct ; WF agents should stop the payment to the XXXX merchant. But WF failed to protect my financial resource ; therefore, I started my complaint against WF agents to WF management to absorb my {$2400.00} loss resulting from WF agent 's failure to stop payment within the 60 days allowable time frame. After XX/XX/XXXX, when I was informed by the WF executive intake escalator who took in my complaint and generated a case number for the assigned escalator specialist to give me the legitimate solution, I expected to see the {$2400.00} put in the dispute section where no interest being applied and no harassed billing collection issues to me from XXXX, XXXX, XXXX, XXXX, XXXX, and the present of XXXX of XXXX. \nI have suffered emotionally, physically, and financially through complaining, appealing to the Wells Fargo chain of command from XX/XX/XXXX until today, and moving upward and downward ( from the bottom to top, then, from the top back to the bottom ) through the processing time of researching but compiling of the escalating specialist and their managers for 9 months with no solution but researching, and finally the adverse effect solution of XXXX XXXX and his supervisor XXXX from XX/XX/XXXX, until XX/XX/XXXX, while they both hit and run leaving the damage to the WF loyal customer as I am. \nOn XX/XX/XXXX, I contacted XXXX XXXX, a customer service supervisor ID # XXXX ) who confirmed that the amount of {$58.00} that XXXX monitor refunded toward my previous credit card ending # XXXXXXXX ( WF XXXX # XXXX ) which was replaced by WF Fraud Department with the assistant of XXXX XXXX, an escalator specialist, who assured me over the phone that the balance of my credit was {$0.00} amount- there was no transferring, no confusing from the previous with the disputed amount of {$2400.00} set aside in the new card ending of # XXXX ( WF XXXX # XXXX ) issued by WF Fraud Department action, not by customer request on XX/XX/XXXX. Furthermore, XXXX XXXX took in my complaint and generated a new replacement for the previous complaint number # XXXX to # XXXX over the WF phone # ( XXXX ) XXXX. He also provided a customer service complaint # XXXX with the instruction to call ( XXXX ) XXXX before calling the Executive Branch at ( XXXX ) XXXX. He generated points of my complaint as ( 1 ) request to provide the final solution for my complaint against the time wasted for research and harassment of WF agents for pending the solution ; ( 2 ) the above dispute amount of {$2400.00} should be deducted {$500.00} that WF executive office reward to me in XX/XX/XXXX not adding interest rate to bounce back to {$2700.00} ; ( 3 ) why it took so long from XX/XX/XXXX, to XX/XX/XXXX, for the specialist to research and find out the misconducts of WF escalated specialists; ( 4 ) stop emailing, mailing, and phone calling the default, delinquency of WF XXXX billing department that triggered my anger, stress, XXXX and worsen my physical and mental condition ; ( 5 ) in XX/XX/XXXX, I filed the complaint with WF about the financial XXXX XXXX against those WF billers harassment because I had been waiting for WF executive officer to remove the remainder of the XXXX merchant charge entering to my XXXX card for WF agents fault. \nOn XX/XX/XXXX, I spoke to XXXX XXXX at ( XXXX ) XXXX, who was an executive intake officer of XXXX XXXX because I received a mail letter from WF bank dated XX/XX/XXXX, that warned me about ( 1 ) my credit score reduced from XXXX to XXXX due to owning WF XXXX  unpaid ; ( 2 ) my WF credit line reduced from {$7000.00} to {$2600.00} even though I paid all of my balance through other merchants and stopped using a new XXXX Card issued to me on XX/XX/XXXX ; ( 3 ) providing me the WF legal contact information for me to address my issues either unresolved or provided the adverse solution before I seeking the legal assistance outside of WF system ; ( 4 ) stop adding the interest into the disputed amount pending at WF Executive Office for WF agents misconduct and disrespect toward an elderly customer ; ( 5 ) WF local branch has no idea and no authority to address the WF XXXXXXXX and the WF escalated specialist and managers. They advised me to continue to address my issue with the proper channels of Wells Fargo for a proper solution. As per XXXX XXXX 's information that the decision on XX/XX/XXXX, was made by XXXX XXXX XXXX to resolve case # XXXX, I was not aware and was informed by XXXX XXXX whose phone # ( XXXX ) XXXX ext XXXX where the extension was either not exist or no longer in service. Finally, XXXX XXXX informed me to give XXXX XXXX a second chance to carry out his duty according to WF policy and procedure and address the issue with me. I requested her to leave the message to XXXX XXXX, a supervisor of XXXX XXXX XXXX who is my current case manager, but XXXX XXXX failed to call me in the next 2 days. Therefore, I called phone # ( XXXX ) XXXX back and got XXXX XXXX XXXX, a team leader of escalated specialist, who told me that he would take care of my case and called him at his cell # ( XXXX ) XXXX if I would see my new case being informed via a phone or my email address. The solution should be reached 10 days after the case manager officially informed me a couple of days after a case was taken in by an intake officer. The attempt solution was estimated by XX/XX/XXXX. However, I left voice messages on XXXX XXXX 's cell phone on XX/XX/XXXX, and XXXX, XXXX but received no reply from him. XXXX XXXX was on vacation as per XXXX XXXX verbally informed me when I criticized him for failing to take a second to handle my case accordingly as per Wells Fargo Policy and Procedure guidelines for them. On XX/XX/XXXX, I requested XXXX XXXX to call me back, and he called me back on XX/XX/XXXX to inform me that I would receive the email information of my case manager the next day and the solution would be rendered on XX/XX/XXXX. However, I received nothing as per his empty promises over the phone, I called XXXX XXXX on XX/XX/XXXX to check on the solution, but he told me the information via email was sent back to him as not being deliverable through my email address at XXXX. I requested him to email me right away, and I confirmed that his test email was received by me on XX/XX/XXXX at XXXX pm to prove that he was misinformed by XXXX XXXX, a second chance case manager, who also failed his second chance. XXXX XXXX promised to provide the solution by the end of the day XX/XX/XXXX. But I still received no solution. \nOn XX/XX/XXXX, I called ( XXXX ) XXXX where XXXX XXXX transferred my call to XXXX XXXX, an intake executive officer at ( XXXX ) XXXX, who informed me that the XXXX XXXX manager, XXXX XXXX was a head of the department, who declared to need more time indefinitely to research and reach the solution for my case, no one above him to intervene this adverse solution of XXXX XXXX XXXX, a case manager for a case # XXXX generated on XX/XX/XXXX by XXXX XXXX XXXX Therefore, I called customer service phone # ( XXXX ) XXXX to complain against XXXX XXXX, XXXX XXXX, and XXXX XXXX hit and ran on the adverse solution and dumping on my cases where I was informed that XXXX XXXX XXXX, a manager of XXXX XXXX in XXXX XXXX state, would call me today XX/XX/XXXX, on the solution for my case that has been jeopardized and prolonged to hide, conceal, and deceive the elderly loyal bank customer like me. \nYour consideration to promptly resolve the above issues is appreciated. \nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-09-01T13:42:16.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90631","tags":"Older American","has_narrative":true,"complaint_id":"5942130","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-09-01T13:11:57.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX To : <em>Wells</em> Fargo XXXX XXXX XXXX XXXX. \n6 major email addresses of <em>Wells</em> Fargo as XXXX XXXX XXXX XXXX <em>Wells</em> Fargo online : XXXX XXXX 2 main of contact phone numbers after the claim dispute and fraud investigation done by <em>Wells</em> Fargo agents who declared the XXXX legitimate service and paid for them {$2400.00}."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[7.406187,"5942130"]},{"_index":"complaint-public-v1","_id":"9760084","_score":6.7024636,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Facts I was a tenant of XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX ( this move-in date is stated inaccurately as XX/XX/XXXX on the final account statement emailed ) until XX/XX/XXXX, on a sublease, and when I renewed the lease from XX/XX/XXXX, until XX/XX/XXXX. \n\nI contacted the tenant at the time on Friday, XX/XX/XXXX expressing my interest in the apartment he posted for sublease on XXXX. We communicated about the details via email and agreed to meet at the leasing office on Wednesday, XX/XX/XXXX to view the apartment. Before our meeting, I called the leasing office and scheduled to meet with them on Saturday, XX/XX/XXXX at XXXXXXXX XXXX At this meeting, I toured the property, received information about the application process, paid an application fee ( {$34.00} ), and submitted an application. After meeting with the tenant on XX/XX/XXXX to view the half-moved-out apartment I expressed that I wanted to move forward with the process and he sent a drafted sublease document for my viewing later that day. The next day I replied with my intention to move in on XX/XX/XXXX, however, ultimately we agreed on a XX/XX/XXXX, move-in date. He allowed me to receive the keys sooner as he had by the apartments to prep for move-in. We met on Friday, XX/XX/XXXX at the leasing office to sign the sublease and for me to pay the security deposit. I wrote a {$1500.00} check to the tenant for the security deposit which was XXXX times the amount that the apartments required. He explained that this was for his own security considering that it was a sublease. \n\nThe tenant agreed to leave the keys in the office so that I could receive them on Monday, XX/XX/XXXX, to clean and sanitize before move-in. I scheduled a more thorough cleaning and disinfection of the apartment on XX/XX/XXXX through the XXXX app and a XXXX XXXX  with XXXX XXXX for Tuesday, XX/XX/XXXX. There was no move-in inspection checklist signed by the property XXXX or the tenant that I subleased from and myself with an agreement on the condition of the apartment or specific cleaning obligations upon move-out when I signed the sublease. \n\nToward the end of the sublease, I communicated with the tenant I subleased from and proposed that he deduct the {$300.00} deposit that he paid to the leasing office from the {$1500.00} that I paid him for the security deposit so that he could be refunded. The property XXXX confirmed that {$300.00} deposit that he paid them at the start of his lease would roll over and be applied to my new lease. We agreed that he would keep the full amount of the {$1500.00} deposit that I gave him at the start of the sublease. This would reimburse him for the {$300.00} security deposit that he paid directly to the apartments for the term of his lease ( I assumed when I renewed the lease ) and cover a portion of the XX/XX/XXXX prorated rent amount of {$1200.00} that I would owe to him. I agreed to send him the outstanding amount of {$53.00} to settle the bill which I did. \n\nDuring my stay on my renewed lease, I kept the home clean, tidy, sanitized, and in good, healthy living condition. I had an area rug cleaned for the living area by XXXX XXXX on Tuesday, XX/XX/XXXX and they agreed to clean the XXXX XXXX area around the beds in the bedrooms at no cost. This service was provided just XXXX months before my move-out date. \n\nI submitted my notice of intent to vacate the apartment on XX/XX/XXXX via email at XXXXXXXX XXXX  and included a request to be advised of any damages that fall outside of normal wear and tear so that I could resolve. I also submitted a hard copy of my intent to vacate to the leasing shortly after the email and received yellow paper copy of XXXX XXXXXXXX XXXX notice of intent to vacate which was signed by me and the XXXX. The document includes what is referred to as a policy which is a list of XXXX requirements regarding the refund of the XXXX XXXX. Section number XXXX states that, the resident must clean each kitchen appliance thoroughly and that the XXXX would, charge for each major appliance that is left dirty. We thoroughly cleaned and disinfected the microwave, the refrigerator ( fridge and freezer sections with all drawers removed and thoroughly washed and disinfected ), the stovetop, and the oven. Section XXXX states that, the resident shall schedule a time with the XXXX to complete the XXXX XXXX inspection. After submitting my notice, I inquired a few times about having someone do a walk-through with me before moving out of the apartment. I was told the first time that a walkthrough could be scheduled and was told later that the leasing office personnel didnt have the capacity to do walkthroughs with every tenant so my request would not likely be granted. I expressed my concerns about not being allowed an opportunity to do a walkthrough and resolve any issues. \n\nI officially moved out on Sunday, XX/XX/XXXX. A leasing agent told me to bring the keys in to the office the next morning on Monday, XX/XX/XXXX because the office would be closed on Sunday. I received an email on XX/XX/XXXX, with an attached untitled letter dated XX/XX/XXXX regarding the retention of my security deposit and my final account statement. Please note that I never received a hard copy of the letter only the attachment in the email. I didnt agree with the deductions listed totaling {$1300.00} and replied to the email correspondence with a written demand as the apartment was not damaged, leaving normal wear and tear upon my moving out and specifically for the reasons listed in my response which I have uploaded a copy of with this complaint. \n\nEfforts to Resolve I sent several certified letters to XXXX XXXX XXXXXXXX XXXX disputing the charges included in the move-out statement and demanding that my security deposit be returned but didnt receive acknowledgment of receipt. I mailed XXXX letters ( XXXX certified with a return receipt requested and XXXX through regular mail ) on Wednesday, XX/XX/XXXX. Because the tracking halted at some point and I never received any notification that the apartments received the certified mail that had an expected delivery date of Friday, XX/XX/XXXX, I mailed XXXX more letters ( XXXX certified with a return receipt requested and XXXX through regular mail ) XXXX weeks later on Wednesday, XX/XX/XXXX that had an expected delivery date on Friday, XX/XX/XXXX, and still received no acknowledgment of receipt or response. I went to the XXXX XXXX XXXX on XX/XX/XXXX and spoke with supervisors who informed me that they would contact the leasing office directly to determine if they were receiving the certified mail sent. They explained that it was possible that the XXXX XXXXXXXX XXXX XXXX XXXX XXXX have received the mail but did not sign for it. As per the post office clerk 's suggestion, I mailed XXXX more letters on that day ( XXXX through priority mail with a signature confirmation request and XXXX through first-class mail ) which had expected delivery dates of Thursday, XX/XX/XXXX, for the priority mail and Friday, XX/XX/XXXX for the first-class mail. \n\nAfter leaving the post office, I went to the property to speak with the property XXXX, XXXX XXXX, in person and with the intent to deliver a copy of the letter. When I inquired, XXXX confirmed receipt of my letter and sarcastically mentioned that she had received all XXXX of my letters. I requested a response to my certified letter and she expressed that my letters were basically the same as my email ( originally sent in response to the move-out statement emailed to me on XX/XX/XXXX ) and that she would not make any changes. \nI shared that I planned to proceed further with my request. XXXX told me that she could just resend the email sent ( I assumed she was referring to an email response to me on Tuesday, XX/XX/XXXX ) but I explained that the certified letter included details for the emailed response to the final account statement. XXXX mentioned the arrangement I had with the previous tenant from which I subleased the apartment before signing my own lease. However, her comment was unintelligible to me at the moment which is another reason why I explained that a more formal response to my request XXXX be helpful so that I can clearly understand her position on the matter and take the proper next steps. I was told by XXXX that she would put responding to my letter on her list of things to do. After our interaction, I sent a follow-up email the same day to clarify information regarding how many letters I sent and when and attached a copy of the letter as well. \n\nI spoke with a representative at XXXX XXXX XXXX corporate office who referred me to the central support office in XXXX and suggested that I speak with the regional XXXX XXXX XXXX and later referred to XXXX XXXX, a XXXX XXXX with XXXX XXXXXXXX XXXX. I was also given a number, ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX and an email, XXXX to reach out with my concerns. I could not get in touch with anyone other than the representative at the corporate office who provided the information. I sent an email to XXXX XXXX on XX/XX/XXXX expressing my concerns and providing a copy of the letter sent to the apartments but did not receive a reply. \n\nI received a letter from the XXXX XXXX XXXX XXXX XXXX ( XXXX ), a debt collector, that was dated XX/XX/XXXX that stated that I owed {$1000.00} as of XX/XX/XXXX ( my move out date ). Please note that I was not notified of any charges until the email that I received from the leasing office on XX/XX/XXXX. I called XXXX to get more information and informed them that I would dispute the matter. I mailed a request for debt validation letter ( dated XX/XX/XXXX ) to the XXXX, which was received by them on XX/XX/XXXX. In the letter, I stated my dispute claims and requested that they, provide validation of this debt including any written contracts, notices, move-in documents, move-out statements & ledgers along with any and all written communications between your client and myself as I noticed that your client submitted a move-out statement and lease but did not submit the emailed or mailed certified security deposit demand letter that they received from me. XXXX XXXXXXXX XXXX XXXX did respond to their request, however, the leasing office only provided the final account statement ( which has errors regarding my move-in date ), and itemized account statement ( was never given to me ), the lease agreement ( doesnt specify guidelines for cleaning ), a move-out inspection checklist ( with an inaccurate account of the condition of the apartment when I moved out and inaccurate information such as XXXX XXXX XXXX XXXX when there were XXXX XXXX XXXX XXXX XXXX  ), and XXXX pictures that do not accurately depict the condition of the apartment when I moved out. Additionally, I can not confirm that the pictures submitted to XXXX were taken of my apartment after I returned the keys and moved out as I was denied a walkthrough with personnel from the leasing office. Additionally, a move-in checklist was not provided and management did not verify the condition of the apartment when I entered the sublease nor when I renewed the lease after my sublease. \n\nIve uploaded a copy of the lease highlighting the guidelines regarding cleaning and move-out, the sublease and correspondence, the demand letter mailed certified to the Alas leasing office, the email correspondence with the final account statement, pictures sent from the leasing office XXXX that was used to justify the charges, a copy of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my written notice of intent to vacate, email sent to corporate Regional Head, email correspondence between the original tenant and me, the results from my dispute with the National Credit Systems XXXX XXXX XXXX XXXX from the post office XXXX XXXX certified letters that were maild, and all other relevant documents. \nPlease view the copy of the demand letter sent justifying my position on the charges and a statement below concerning my perspective on the pictures captured. \n\nStatement Concerning Pictures Submitted by XXXX XXXX XXXX As mentioned before, I can not confirm that the pictures submitted to XXXX were taken of my apartment after I returned the keys and moved out as I was denied a walkthrough with personnel from the leasing office. This denial was not in compliance with the policy in XXXX XXXX XXXX XXXX of Intent to Vacate signed by a leasing agent/manager and myself which states that I would have an opportunity to schedule a move-out inspection and after the inspection and return of the keys I would receive a copy of the move in or move out forms. Additionally, a move-in checklist was not provided and management did not verify the condition of the apartment when I entered the sublease nor when I renewed the lease after my sublease. There was also no guidelines that detailed the nature of cleaning. I cleaned and the apartment thoroughly with the cleaning materials that I had. There were stains in/on some cabinets that did not come up when cleaned and were there when I moved into the apartment. There were small spots on the carpet but I did my part to maintain the cleanliness of the carpet as indicated by my paying XXXX XXXX to deep clean the carpet. Before calling XXXXXXXX XXXX  both times, I called the leasing office to inquire about having the carpet cleaned through the vendors that they used and I was told by XXXX leasing agent that they would ask and get back to me but I never heard back. Another time that I inquired about having the carpet cleaned I was told that they do not normally offer this option to tenets and that they have vendors that they use for make ready purposes. I inquired because I have lived in apartments that allowed me to use their XXXX XXXX vendors to clean my carpet at the discounted rate that they received as they saw it as upkeep/maintenance and encouraged tenants to have the carpet cleaned at least once during their lease. Additionally, I can not be responsible for the life of the carpet. XXXX XXXX XXXXXXXX is attempting to charge me {$800.00} for them replacing the carpet with not consideration of proration to account for the time that I occupied the apartment which is unacceptable. Baseboards and walls were cleaned, the floors were swept and mopped, the carpet was cleaned and all other parts of the house were cleaned and disinfected and normal wear and tear was evident in the apartment when I moved out on XX/XX/XXXX.","date_sent_to_company":"2024-08-12T11:15:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80247","tags":null,"has_narrative":true,"complaint_id":"9760084","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2024-08-12T11:15:03.000Z","state":"CO","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Section</em> number XXXX states that, the resident must clean each kitchen appliance thoroughly and that the XXXX would, charge for each major appliance that is left dirty. We thoroughly cleaned and disinfected the microwave, the refrigerator ( fridge and freezer <em>sections</em> with all drawers removed and thoroughly washed and disinfected ), the stovetop, and the oven. <em>Section</em> XXXX states that, the resident shall schedule a time with the XXXX to complete the XXXX XXXX inspection."]},"sort":[6.7024636,"9760084"]},{"_index":"complaint-public-v1","_id":"5248282","_score":6.689191,"_source":{"product":"Mortgage","complaint_what_happened":"I XXXX XXXX XXXX, am concerned that there is immediate need for injunction and restitution. I seek your expertise and authority to inform the agency heads as to the grave injustice that is proceeding. There is a hearing in XXXX XXXX today XX/XX/XXXX, under XXXX, which may cause to invalidate our recorded interest and award a Quiet title to land developers. They have interfered with all our attempts to settle the claims with XXXX Bank since prior to the XXXX foreclosure. As I am still in the home, I intend preserve my interest and The XXXX 's estate. My family have attempted to defend and assert the right to rescind and did properly defeat the WILD, Unlawful, Unconscionable contract. We are seeking right to equity and ownership of our home. \nWe are first time homeowners, first time buyers, and never refinanced, or even legally completed any remodification. The proof and records are already in the possession of the XXXX, XXXX XXXX, The CFPB file XXXX [ XXXX ] XXXX The Federal Court XXXX and The XXXX XXXX XXXX XXXX XXXX XXXX of this state supplied by the foreclosing entities. The exhibits and statements made by the attorney on behalf of XXXX XXXX differ from the response provided to this agency compared to the response provided to the XXXX. All this is evidence confirms and substantiate everything alleged by the XXXX 's. The extent of trickery and egregious actions by the foreclosing Parties and their counsel are too numerous and therefore extremely difficult to direct the courts and regulators to. \nWe have made every attempt to navigate Non-Judicial foreclosure proceedings under the WA XXXX more than a good faith effort to negotiate with the regulatory agencies, foreclosure prevention entities, and the foreclosing parties. Everyone has ignored us. Now I see that the DOJ has found liability and guilt information under XXXX XXXX XXXX. ( See footnote at XXXX of Annex XXXX, as it relates to NPV and equity to the parties ). The settlement is contingent on the relief to the homeowners. It shows there was viable restitution and remedy to keep us out of foreclosure and out of harms way this entire time. Not one of the states agencies made an attempt to help us. This Mortgage created consist of Violations of Sections 17 ( a ) ( 2 ) and 17 ( a ) ( 3 ) of the Securities Act and 17 ( b ) engaged in transactions, practices, or sec ( 16 ) courses of business which operated or would operate as a fraud or deceit upon the purchaser. CV XXXX filed XX/XX/XXXX against the false representation made by the XXXX securities offerings explains in detail the effects this contract has on the world financial markets and global economy. It also shows the knowledge and forethought of XXXX and XXXX Bank as it pertains to their respective roles. Also see that history shows all parties beside the homeowner victims were able to seek remedy or claims under securitization jurisdiction and are not injured by the XXXX 's. ( XXXX Bank XXXX. XXXX XXXX XXXX FDIC, XXXX XXXX XXXX XXXX XXXX ), and see FDIC XXXX & A for failed bank for XXXX cost over XXXX XXXX in FDIC insured accounts to be paid, less than half of the Liabilities after all assets liquidated. \nIn fact the XXXX was signing a stipulated Judgement to settle horrific crimes against XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( all bad acts against XXXX transpired XXXX XXXX XXXX  XXXX conveniently ) On XX/XX/XXXX in XXXX XXXX XXXX XXXX Judgement it was explicitly noted that we were resolving claims for monetary compensation paid to us for harm done during these years. Furthermore, the damages awarded were TO BE conclusive of the damages we sustained during these years XXXX. HOWEVER, it is my believe any amount owed to XXXX XXXX would be included as they initiated foreclosure in XXXX and proceeded to trustee sale on XX/XX/XXXX in XXXX XXXX XXXX XXXX day XXXX settled with the XXXX 's XXXX I feel that a rouge escrow account falsely trigger foreclosure on us in XXXX the same month WA XXXX was cashing an extortion bank draft forced under duress to pay and then the XXXX XXXX is allowed to proceed in this State without the agency heads even looking into the DOJ XXXX XXXX XXXX the XXXX XXXX Bank XXXX XXXX XXXX XXXX disturbing. The winter of XXXX XXXX spent sitting in the cold, dark, XXXX XXXX with no food or heat trying to study law to defend against the foreclosure and the XXXX agents simultaneous, [ which is The XXXX 's full time residence not properly taxed or described ]. \n\nAll the documents and exhibits provided are an admission of the adverse party. Because they have been supplied and are available for review, I will point out several factors that appear to violate the XXXX 's rights, as well as the foreclosing statutory requirements. \nA trustee can not appoint a trustee. A Trustee and Beneficiary can not be the same persons under WA XXXX. Who is the XXXX of the DOT foreclosed on the XXXX 's XXXX? The Lienholder notice sent by XXXX XXXX XX/XX/XXXX was sent to XXXX Bank. The XXXX XXXX states that the XXXX XXXX case was moved to XXXX XX/XX/XXXX to restrain sale. Our right to demand trial or contest a magistrate was waived XX/XX/XXXX. XXXX and XXXX XXXX say 14 days from filing a case are allowed to comply with this. XXXX is 13 days. The federal docket will also show that Ocwen filed the case XX/XX/XXXX, first document on court is the XXXX 's Complaint. This document was replaced by Ocwen on XX/XX/XXXX, the same day the XXXX was removed, and XXXX assigned. An action is not brought, and case does not commence until filing of the complaint. Further the XXXX have no idea what was placed on the federal court XX/XX/XXXX labelled \" the complaint '' and then changed XX/XX/XXXX. This is Prejudice and strange. Third the response to CFPF on page XXXX sec XXXX states sale was Postponed to XX/XX/XXXX. No notice was provided or published. Then there is the fact that Ocwen and PHH were merging in Delaware in XXXX. Ocwen was forced closed due to the violations it was already known to be committing on homeowners. XX/XX/XXXX consent order was signed exactly when Ocwen acquired the XXXX 's accounts and proceeded to do every XXXX of the violations alleged by your agency to my family up until XX/XX/XXXX. PHH was not merged in WA until XXXX. There was no servicer to negotiate with all of XX/XX/XXXX to save the foreclosure from proceeding. Further XX/XX/XXXX PHH responded to XXXX complaint and said they needed more time and would provide the XXXX response after XX/XX/XXXX sale date. Also, PHH admitted to needing more time to provide the XXXX required account statements and confessed to providing the XXXX 's with false information in their response provided to us in XXXX. \nPLEASE KEEP IN MIND THAT these actions should be moot, considering I have learned that the XXXX XXXX has so been ordered, back in XXXX to provide direct relief to the VICTIMS. I am a direct transacting party from XXXX all the way until XX/XX/XXXX, when PHH sold the REO to an investment company. From XX/XX/XXXX to XX/XX/XXXX the title was in the name of XXXX Bank as trustee for XXXX XXXX and PHH is XXXX of attorney to complete the XXXX requirements of foreclosure and holding property. During this time the XXXX makes clear that the XXXX can void the trustee sale and make right with the XXXX 's rather than continue to move forward and knowingly perpetuate the now confirmed mortgage fraud. \nThe order and sanctions imposed by the DOJ on XXXX Bank for finally confessing to the collaboration with XXXX under the XXXX ( XXXX XXXX ) transaction. Gave until XX/XX/XXXX to XXXX Bank to comply with the requirements of XXXX XXXX in the form of 100 % forgiveness or a workable negotiation. The XXXX 's being under contract the entire time with the original parties from XXXX have never been afforded any mitigation or loss prevention. We were in fact denied by all the agencies. What this means is that all equity and obligation has been performed by the XXXX 's. We paid and they do admit this. There statements show the value of the home on the XXXX records in XXXX XXXX and now XXXX. Its beyond likely they are not entitled to gross enrichment. We have receipts to prove far more paid to the parties. ( They all are now confirmed to have committed fraud under that Transaction of XXXX INABS trust. ) Why would this state not order the relief be granted rather than imply the XXXX 's must pay known criminals? The XXXX collapsed the world economy, this is an international event, PHH is a foreign company, and this may very well be crimes against Humanity. Not just against XXXX XXXX XXXX. However, I am only seeking your intervention and assistance in protection from the crime of foreclosing on my home. The XXXX 's are only the second owner of the summer cabin on XXXX XXXX. It is a XXXX XXXX and it has an interesting and odd past. The Trustee on the DOT recorded was scratched off. The original trustees named all deny any knowledge of this DOT. The XXXX is very clear that the beneficiary may assign a successor trustee for foreclosure and upon this they are vested with full statutory authority of THE ORIGINAL TRUSTEE, with which comes power of sale Who is the TRUSTEE under the XXXX 's DOT? Furthermore, the Escrow was collected XX/XX/XXXX, the heirs of the estate ( sellers ) were conveyed the estate from probate XX/XX/XXXX. The escrow covered title insurance and closing costs, for the loan on the DOT. The escrow agent was XXXX. They were not licensed. XXXX, took the escrow and some other title company forced a legal description change 1 day prior to executing the DOT with XXXX. The title insurance went with the escrow under loan displayed on DOT, XXXX took first payment early and under a different loan number XX/XX/XXXX with an entirely separate escrow account for our tax and PMI. Recently I see this XXXX account # with escrow for the PMI was still running concurrent XXXX payable to XXXX, while Ocwen started servicing XXXX under account no XXXX, to which an escrow account was also active. I even called and spoke to the XXXX in XXXX when I discovered this and they are unable to represent individuals, so I received no notice that this trust was found to have violated my family and relief was ordered. On this note it is my understanding that upon the courts recommendation or prosecutors recommendation regulatory agencies in WA may enjoin a citizen complaint if action is in the interest of the public. This is a perfect example. The same parties as in XXXX XXXX XXXX, however the XXXX have been injured directly by MERS, and there is absolute harm and certain absolute that we are at risk of paying twice. These two elements are the 2 elements of the CPA violations that were not found to be present in that case. Also in XXXX she defaulted in the first year XXXX, on much larger loan value. Even despite this the XXXX enjoined the action due to all the excitement surrounding MERS beneficiary not recording in the XXXX XXXX records. That case determined MERS was not a beneficiary under WA XXXX, but more important they recognized that XXXX dissolved and could not assign interest by a nominee in XXXX. So why can they in XXXX by way of OCWEN as MERS attorney in fact, where MERS is acting for XXXX? Could it be the patented loan document that allows them the beneficial interest? ( MERS Modified XXXX ). \nThe multiple mystery accounts ran through the life of our DOT until all agencies were starting to investigate the XXXX in late XXXX - XXXX Ocwen began to foreclose to consolidate the concurrent fraudulent accounts. This was only made aware by my pleadings to the court in XXXX by the counsel and that is why all responses to your agency heads were redacted. The court rules on redaction or debt disputes makes clear that the identifying material evidence such as account numbers do not qualify for redaction. This was a deceitful act to prejudice us. \nI recently learned fidelity was not licensed and find it must be made known to your agency and the regulatory heads that is the only reason XXXX XXXX XXXX under case XXXX is attempting to rule against the XXXX XXXX and XXXX XXXX XXXX for a superior title action. Because he is an escrow agent licensed to assign the DOT. When in fact the escrow agent that sold the mortgage was not licensed either, and refuses to allow Our Reconveyance and declaration. \nI have read the XXXX, XXXX, and assumption agreements, I have read the XXXX and XXXX ratings entitled \" The Takedown '' dated XX/XX/XXXX. I have read all the SEC filings from all the entities under the XXXX XXXX XXXX Issuing contract and understand how the Depositor, Seller, Issuer, Sponsor, Servicer, Lender all being IndyMac is not normal. Yet because of XXXX performing and controlling all these roles under XXXX, when they were deemed insolvent the entire contract legally collapsed. It must be void as it was made specifically when insolvent. Statutorily and traditionally this is accurate. However under the XXXX, The Trustee ( XXXX Bank [ Co-Manager of the XXXX XXXX Trust formation and XXXX ] XXXX would take beneficial interest of \" the assets '' and \" the Original Loan documents '' among many other indemnification contract language, that preserved the XXXX XXXX contract. It was not until XXXX upon officially linking XXXX Bank to XXXX and having equally engaged in the underwriting scheme, false representations of the opine, and malfeasance that action can now be brought. The share holders and certificate holders are not the only ones injured. \nDeliberate indifference as instructed under WPI XXXX appears to be consistently effecting my families right to peace and fear from persecution. I feel the Agencies are turning a XXXX Eye to XXXX XXXX Trusts abusive business Practice and failing to Prevent by required reporting of Trust. And imposing Double standards by subjecting the XXXX to the XXXX when the foreclosing beneficiary is the ISSUER, XXXX XXXX XXXX XXXX and should have been restrained from non-judicial foreclosure. This is the issuing entity formed under the XXXX Prospectus Co-Managed by XXXX and XXXX Bank. The contract closed on XX/XX/XXXX, The same day the XXXX XXXX with the parties under the XXXX. As of the findings and in full consideration of the totality of the findings in the completed XXXX and XXXX cases conducted over the last XXXX years it has been found to be an unconscionable contract. According to the language used by the DOJ settlement as well as the FDIC, XXXX, AND similar cases settled, does not waive the rights of any individual or any agency of state or local to pursue claims for the Mortgage Securitization scheme INABS XXXX contract. That as of XX/XX/XXXX XXXX Bank as trustee lost any Indemnification provided in the XXXX contract that is the INABS XXXX. I lost all the equity by XXXX plummeting, and also the world economy collapsed as a result. My family has persevered all these years and started XXXX XXXX XX/XX/XXXX, 3 days before XXXX funded the formation of the XXXX in XXXX as a direct result of this contract. \nI also believe it is because of the desire to provide loans to the XXXX that XXXX loan numbers were generated under the XXXX 's name and I also believe these were used to manage escrow accounts unlawfully. Our NOD which should be on file was sworn by XXXX XXXX XX/XX/XXXX to have provided the XXXX 's a mediation meeting with beneficiary. It is blank on the date and time of this false meeting. I learn that XXXX XXXX was the same rep that committed perjury in a bankruptcy case by lying about hugely overstate escrow shortages XX/XX/XXXX. Could it be that the XXXX 's really did not get a mediation meeting and that we were also victim of an escrow shortage scheme? Is it fishy that the XXXX recorded on the DOT was never paid on yet the title insurance and escrow account did in fact go forth with that loan number. Is it also strange that no Trustee on the DOT truly ever existed or wont admit? are they not the one with the Power of Sale. Is it not more likely than not that the closing escrow agents had something to do with the changing of the legal description of the estate a day before close? It is no secret that the neighbors on XXXX XXXX who have now purchased the dirty deed in XX/XX/XXXX are intending to develop and are not bona-fide purchasers. They have mocked us for not having any remedy under foreclosure and are providing no legal authority to deny our recorded interest. The XXXX stated XX/XX/XXXX that they do not have jurisdiction to void the XXXX 's recorded interest, however he will sign a legally insufficient SJ order today at XXXX to try to cause such effect in order to give the appearance of justification for ruling in favor of the parties seeking to profit from horrific mortgage fraud. This is causing undue hardship, it is very disturbing and has already harmed me beyond repair. The only saving grace has been the sanctuary of my home. It was appraised at XXXX in XXXX by an independent XXXX. \nShort XXXX c XXXX : \" This act may be known and cited as the foreclosure fairness act. '' [ 2011 c 58 2. ] ( b ) Create a framework for homeowners and beneficiaries to communicate with each other to reach a resolution and avoid foreclosure whenever possible; and ( c ) Provide a process for foreclosure mediation when a housing counselor or attorney determines that mediation is appropriate. \nAdditionally the XXXX also states that the XXXX will do everything it can to work with the XXXX for the beneficiary XXXX. WA created XXXX, sec XXXX, sec XXXX, sec XXXX, sec XXXX and sec XXXX specifically to combat the hidden beneficiaries and the lost ability to negotiate with a lender. Securities and MERS give rise and are cause of legally unsound deed of trust statutes in the wake of the securitization of residential mortgages. To make matters worse the XXXX also gives detail of how the servicer and trustee are paid. Both serve to profit in such ways that are left to self regulation and honor system. XXXX would profit from the dissolution of XXXX and the XXXX, is in a position that provides beneficial interest in foreclosing, proceeds, and full deference to determine when a mortgage is in default which is breeding ground for scienter. The servicer incentives were used to prolong application times and delay modifications and in my case Ocwen accepted over a year of payments and kept them in suspense or unapplied funds continuously. They refused to apply additional payments to principal as well. \nGiven that there is clearly more than meets the eye here and there is time to save our home, and perhaps assist in continuing efforts to prosecute the bad actors, I respectfully call upon this agency and the State regulators to allow the XXXX 's to show the evidence, to seek restitution and protection. Because the PHH and XXXX bank did not sale until 2 years ago today, it is still technically within 2 years. However if your agency can confirm the DOJ settlement does in fact welcome state and local efforts to enforce. and You can confirm the XXXX XXXX XXXX is included in the list of trust that are named under the \" covered conduct ''. The XXXX XXXX list the XXXX that XXXX Bank is liable to. XXXX XXXX is listed on page XXXX left column midway down. It is only under the XXXX 's DOT that all these parties can be seen in full light. I assert that both civil and criminal acts have been committed against my family by XXXX bank. Please understand that this is no way conclusive of all the findings and evidence that I have uncovered. I am not an attorney and do not have the ability to articulate any of this briefly. I also would ask that you remember XXXX XXXX is a Trust, the ISSUING entity of ALL the securitized mortgages, and the security certificates. Within this XXXX are Hundreds of \" supplemental trust ''. My mortgage just so happens to be held in a \" supplemental trust '' also named XXXX XXXX. This is not the same as XXXX XXXX XXXX \" issuer ''. This must be understood to confirm that XXXX Bank and XXXX did both conspire and are both now confirmed liable and have both directly harmed the XXXX and continue to proceed as a normal course of business under this contract. I seek equitable estoppel, and prosecution if it is found they are ignoring the DOJ order and attempting to conduct fraudulent mortgage activity in the state of WA. \nThank you for your consideration and immediate attention to this matter as time is of the essence. The WA state constitution and statutory code do not intend to supersede any federal law or law of The United States that has jurisdiction over such entities, as regulatory, licensing, or reporting enforcement. And likewise the federal authorities have given full deference to the local jurisdictions to take action. And furthermore, in the XXXX XXXX XXXX under XXXX XXXX it also makes clear that the Servicer and Trustee will report to and abide by any local jurisdictions authority as it XXXX relate. The statute of limitation XXXX be closing, or it XXXX be seen to not yet have commenced as the compliance review for XXXX will be evaluated next month. I would like to have the concerns presented here addressed regardless if I lose my home or not. These states regulatory agencies will need to tell the XXXX 's and XXXX XXXX : 1. who the ORIGINAL trustee was? 2. who had any statutory authority ( MERS as beneficiary ) to assign to XXXX in XXXX beneficial interest of XXXX XXXX 3. Did MERS divest any beneficial interest to XXXX? If, so under what legal statute or authority do you rely? 4. Who was the XXXX that foreclosed? 5. Are they the proper party to foreclose on a residential first-time homeowner under WA XXXX? 6. If XXXX XXXX has WA approval to foreclose, does the DOJ XXXX XXXX have no merit? or is it not applicable to The XXXX? 8. If XXXX XXXX has WA approval to foreclose, can the XXXX or XXXX explain what obligation they are foreclosing on? 9. The default on the receivables, or is that one Leon secures two obligations? \nI am available for any further information and I do appreciate your diligence in this matter. \nSigned This day XX/XX/XXXX. \nXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-04-05T12:14:45.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"98584","tags":null,"has_narrative":true,"complaint_id":"5248282","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2022-02-22T17:24:03.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This Mortgage created consist of Violations of <em>Sections</em> 17 ( a ) ( 2 ) and 17 ( a ) ( 3 ) of the <em>Securities</em> Act and 17 ( b ) engaged in transactions, practices, or sec ( 16 ) courses of business which operated or would operate as a fraud or deceit upon the purchaser. CV XXXX filed XX/XX/XXXX against the false representation made by the XXXX <em>securities</em> offerings explains in detail the effects this contract has on the world financial markets and global economy."]},"sort":[6.689191,"5248282"]},{"_index":"complaint-public-v1","_id":"2943872","_score":6.2502313,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I was approved for a merchant account with JPMorgan Chase and its merchant division XXXX XXXX ( Merchant ID Number : XXXX ) after filing an application ( Application ID Number XXXX ) and speaking with XXXX XXXX, EVP Head of Sales of XXXX   XXXX. My reason for obtaining a merchant account was to start an online business and operate it as a sole proprietorship. Despite purchasing a website domain, I was never able to fully fulfill my goal due to the unethical and fraudulent business practices of JPMorgan Chase and XXXX   XXXX. As of the date of this complaint I do not own and or operate any sole proprietorship. \nFrom XX/XX/XXXX until XX/XX/XXXX, I was a customer of JPMorgan Chase and XXXX  XXXX. During that time, I fully complied with all terms, covenants, and conditions as outlined in the agreement. On XX/XX/XXXX, I received an email from XXXX XXXX Risk Department informing me that my merchant account had been terminated due to a violation of section 10.3 of the merchant agreement. After spending the next week making repeated phone calls and sending emails to XXXX  XXXX customer service department, I still had no explanation as to exactly why my account had been terminated. At this point, I decided to apply with several other banks for a new merchant account. Each time, I was denied credit and was told that my name, address, birthday, social security number, and other personal information had been placed on XXXX  MATCH List, also known as the Terminated Merchant File ( TMF ). Through these credit denials, I learned that JPMorgan Chase had placed me on the MATCH List. As of the date of this complaint, no bank has approved me for a merchant account. \nSince XX/XX/XXXX, I have contacted dozens of nameless customer service representatives from XXXX XXXX and JPMorgan Chase, which owns XXXX XXXX. No one could give me a reason why my account was terminated, nor were they able to confirm that JPMorgan Chase had placed me on the MATCH List. On XX/XX/XXXX, I filed a complaint against XXXX  XXXX with the XXXX XXXX XXXX ( XXXX  ). On XX/XX/XXXX, the complaint was closed because XXXX  XXXX never had the courtesy to respond to my complaint. During this time, I sent certified letters through the USPS to multiple XXXX  XXXX employees, specifically XXXX XXXX, President, XXXX XXXX, EVP of Sales, XXXX XXXX, Director, and XXXX XXXX, Director of Client Relations. In addition, I sent certified letters to XXXX XXXX, President of JPMorgan Chase Merchant Services and XXXX XXXX, CEO of Chase Commerce Services. As of the date of this letter, none of these individuals, with the exception of a representative for XXXX XXXX, have had the courtesy to respond to this vital matter. \nOn XX/XX/XXXX, I filed a complaint with the XXXX against JPMorgan Chase. I received a letter dated XX/XX/XXXX from JPMorgan Chases Executive Office from XXXX Ohio in response to my complaint. The letter included the terms of section 10.3, as cut and paste from the merchant agreement, along with a short statement that the reporting was accurate, and they were unable to remove me from the MATCH List. In response, I sent a letter demanding that they provide me with evidence that I had violated the terms, covenants, and conditions stated in section 10.3 of the merchant agreement. \nI received a response from JPMorgan Chase, dated XX/XX/XXXX, stating they were sorry I was dissatisfied with how they had researched my concerns, but that their decision was final. Furthermore, they would no longer be able to respond to any of my concerns. After six months of contacting JPMorgan Chase by phone, email, and written letters, they still did not provide me with an explanation as to how I violated section 10.3. As a result, they have no legal justification for placing my name on the MATCH List. As of the date of this complaint, JPMorgan Chase still refuses to respond to my inquiries. Their lack of ethics in handling this matter is just one of the many reasons they have established such a sordid reputation in the banking industry. \nRegarding XXXX  XXXX, the only person who responded to my complaints was a representative of XXXX XXXX named as XXXX XXXX, a paralegal for XXXX   XXXX. In a letter dated XX/XX/XXXX, XXXX XXXX stated XXXX  XXXX had been alerted of a violation involving my merchant account. She reported that my merchant account had been used to process a single transaction in the amount of {$79.00} on a website other than my own. The transaction was dated XX/XX/XXXX and involved the sale of XXXX XXXX XXXX ( XXXX  ) from the violating URL. This was a breach of the merchant agreement, resulting in JPMorgan Chase /XXXX  XXXX terminating my merchant agreement on XX/XX/XXXX and adding me to the XXXX MATCH List. \nI responded to XXXX XXXX in a letter dated XX/XX/XXXX. I explained that my merchant account did not process any transactions in the amount of {$79.00} on XX/XX/XXXX. I further explained that I had never sold XXXX  products. Furthermore, I am in no way associated with the violating URL. I followed up with another letter dated XX/XX/XXXX providing evidence to XXXX  XXXX showing that my merchant account had not processed a transaction in the amount of {$79.00} on XX/XX/XXXX, as they were falsely claiming. In my response, I offered to provide a sworn affidavit stating that my merchant account was never used to process any transactions on the violating URL. Additionally, I requested that XXXX  XXXX provide me with evidence to support their false claims that I had breached the merchant agreement. As of the date of this complaint, XXXX  XXXX has refused to respond to my inquiries. \nUnder section 10.3 of the merchant agreement JPMorgan Chase can terminate our agreement by giving me thirty ( 30 ) days prior notice. The agreement further states that JPMorgan Chase can terminate the agreement if I failed to comply with any terms, covenants, and conditions. As I stated above, I always complied with the terms, covenants, and conditions outlined in the agreement and for JPMorgan Chase to claim otherwise is simply false. The information I provided with my merchant application was 100 % true, complete, and accurate. JPMorgan Chase was fully aware of the types of merchandise I sold and had approved by website and inventory after the agreement was signed. All transactions were processed in accordance with the merchant agreement and were valid and legal transactions between myself and the respected cardholder. At no time was my merchant account used for anything other than what it was intended, as stated in our agreement. \nIn regard to putting my name on MATCH List, JPMorgan Chase had no legal authority to do so. ( This would be the case, even if I had violated the agreement, which I didnt. ) In recent years, XXXX has set strict guidelines on how banks can add individuals to the MATCH List. Specifically, for a person to be put on the list, he or she must be found to be involved in : fraud, money laundering, bankruptcy, theft, identity theft, merchant collusion, illegal transactions, fraud conviction, etc. I have advised JPMorgan Chase and XXXX XXXX that none of these conditions apply to me and anyone who claims otherwise is trying to defame my reputation. \nJPMorgan Chase and its affiliate, XXXX XXXX behavior has been both unethical and discriminatory and is just one of the many reasons why they have an F- and D- rating respectively with the XXXX. It is also one of the reasons for their sordid reputation, as discussed online by tens of thousands of current and former customers. Additionally, this is one of the many reasons JPMorgan Chase been made to pay XXXX of dollars in fines and settlements for civil and criminal lawsuits, as well as been subjected to reprimands by Federal Bank Regulators, the US Federal Government, the US Department of Justice, various US Attorney Generals, and consumer watch groups, such as the Consumer Financial Protection Bureau.\n\nTo settle this complaint, JPMorgan Chase can rightly remove my name from the XXXX MATCH List. Personally, I find it disgusting that a business located within the United States and governed by numerous state and federal laws can not only make false allegations against someone, like myself, but can also list them on the MATCH List. What makes it even more deplorable is the fact that neither XXXX XXXX nor JPMorgan Chase have any evidence that I did anything wrong. \nDue to being unlawfully added to the MATCH List by JPMorgan Chase, I have been blackballed and discriminated against within the financial community. No bank located in the United States will allow me to obtain a merchant account for a minimum of five years. As outlined in this complaint, I have spent the past six months desperately trying to communicate with XXXX XXXX and JPMorgan Chase in an effort to resolve this unjust and illegal ban. All of the information reported in this complaint against JPMorgan Chase is 100 % true, complete, and accurate. Furthermore, supporting evidence, including written communications between myself, XXXX  XXXX, and JPMorgan Chase, is available.","date_sent_to_company":"2018-06-23T05:32:33.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"166XX","tags":null,"has_narrative":true,"complaint_id":"2943872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-06-23T01:12:15.000Z","state":"PA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I was approved for a merchant account with JPMorgan Chase and its merchant division XXXX XXXX ( Merchant ID Number : XXXX ) after filing an application ( Application ID Number XXXX ) and speaking with XXXX XXXX, EVP <em>Head</em> of Sales of XXXX   XXXX. My reason for obtaining a merchant account was to <em>start</em> an online business and operate it as a sole proprietorship."]},"sort":[6.2502313,"2943872"]},{"_index":"complaint-public-v1","_id":"2943856","_score":6.2502313,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I was approved for a merchant account with XXXX XXXXXXXX ( Merchant ID Number : XXXX ) after filing an application ( Application ID Number XXXX ) and speaking with XXXX XXXX, EVP Head of Sales of XXXX XXXXXXXX. XXXX XXXX, Phone number is : XXXX. Email : XXXX. My reason for obtaining a merchant account was to start an online business and operate it as a sole proprietorship. Despite purchasing a website domain, I was never able to fully fulfill my goal due to the unethical and fraudulent business practices of XXXX XXXXXXXX. As of the date of this complaint I do not own and or operate any sole proprietorship. \nFrom XX/XX/XXXX until XX/XX/XXXX, I was a customer of XXXX XXXXXXXX. During that time, I fully complied with all terms, covenants, and conditions as outlined in the agreement. On XX/XX/XXXX, I received an email from XXXX XXXXXXXX Risk Department informing me that my merchant account had been terminated due to a violation of section 10.3 of the merchant agreement. After spending the next week making repeated phone calls and sending emails to XXXX XXXXXXXX customer service department, I still had no explanation as to exactly why my account had been terminated. At this point, I decided to apply with several other banks for a new merchant account. Each time, I was denied credit and was told that my name, address, birthday, social security number, and other personal information had been placed on MasterCards MATCH List, also known as the Terminated Merchant File ( TMF ).  Through these credit denials, I learned that XXXX XXXXXXXX had placed me on the MATCH List. As of the date of this complaint, no bank has approved me for a merchant account. \nSince XX/XX/XXXX, I have contacted dozens of nameless customer service representatives from XXXX  XXXX and JPMorgan Chase, which owns XXXX XXXXXXXX. No one could give me a reason why my account was terminated, nor were they able to confirm that XXXX XXXXXXXX had placed me on the MATCH List. On XX/XX/XXXX, I filed a complaint against XXXX XXXXXXXX with the XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, the complaint was closed because XXXX XXXXXXXX never had the courtesy to respond to my complaint. During this time, I sent certified letters through the USPS to multiple XXXX XXXXXXXX employees, specifically XXXX XXXX, President, XXXX XXXX, EVP of Sales, XXXX XXXX, Director, and XXXX XXXX, Director of Client Relations. In addition, I sent certified letters to XXXX XXXX, President of JPMorgan Chase Merchant Services and XXXX XXXX, CEO of XXXX XXXXXXXX XXXX. As of the date of this letter, none of these individuals, with the exception of a representative for XXXX XXXX, have had the courtesy to respond to this vital matter. \nOn XX/XX/XXXX, I filed a complaint with the XXXX against JPMorgan Chase. I received a letter dated XX/XX/XXXX from Chases Executive Office in response to my complaint. The letter included the terms of section 10.3, as cut and paste from the merchant agreement, along with a short statement that the reporting was accurate, and they were unable to remove me from the MATCH List. In response, I sent a letter demanding that they provide me with evidence that I had violated the terms, covenants, and conditions stated in section 10.3 of the merchant agreement. \nI received a response from JPMorgan Chase, dated XX/XX/XXXX, stating they were sorry I was dissatisfied with how they had researched my concerns, but that their decision was final. Furthermore, they would no longer be able to respond to any of my concerns. After six months of contacting JPMorgan Chase by  phone, email, and written letters, they still did not provide me with an explanation as to how I violated section 10.3. As a result, they have no legal justification for placing my name on the MATCH List. As of the date of this complaint, JPMorgan Chase still refuses to respond to my inquiries. Their lack of ethics in handling this matter is just one of the many reasons they have established such a sordid reputation in the banking industry. \nIn regard to XXXX XXXXXXXX, the only person who responded to my complaints was a representative of XXXX XXXX named as XXXX XXXX, a paralegal for XXXX XXXXXXXX. In a letter dated XX/XX/XXXX, XXXX XXXX stated XXXX XXXXXXXX had been alerted of a violation involving my merchant account. She reported that my merchant account had been used to process a single transaction in the amount of {$79.00} on a website other than my own. The transaction was dated XX/XX/XXXX and involved the sale of XXXX XXXX XXXX ( XXXX ) from the violating URL. This was a breach of the merchant agreement, resulting in XXXX XXXXXXXX terminating my merchant agreement on XX/XX/XXXX and adding me to the MasterCard MATCH List. \nI responded to XXXX XXXX in a letter dated XX/XX/XXXX. I explained that my merchant account did not process any transactions in the amount of {$79.00} on XX/XX/XXXX. I further explained that I had never sold XXXX products. Furthermore, I am in no way associated with the violating URL. I followed up with another letter dated XX/XX/XXXX providing evidence to XXXX XXXXXXXX showing that my merchant account had not processed a transaction in the amount of {$79.00} on XX/XX/XXXX, as they were falsely claiming. In my response, I offered to provide a sworn affidavit stating that my merchant account was never used to process any transactions on the violating URL. Additionally, I requested that XXXX XXXXXXXX provide me with evidence to support their false claims that I had breached the merchant agreement. As of the date of this complaint, XXXX XXXXXXXX has refused to respond to my inquiries. \nUnder section 10.3 of the merchant agreement XXXX XXXX can terminate our agreement by giving me thirty ( 30 ) days prior notice. The agreement further states that XXXX XXXXXXXX can terminate the agreement if I failed to comply with any terms, covenants, and conditions. As I stated above, I always complied with the terms, covenants, and conditions outlined in the agreement and for XXXX XXXXXXXX to claim otherwise is simply false. The information I provided with my merchant application was 100 % true, complete, and accurate. XXXX XXXXXXXX was fully aware of the types of merchandise I sold and had approved by website and inventory after the agreement was signed. All transactions were processed in accordance with the merchant agreement and were valid and legal transactions between myself and the respected cardholder. At no time was my merchant account used for anything other than what it was intended, as stated in our agreement. \nIn regards to putting my name on MATCH List, XXXX XXXXXXXX had no legal authority to do so. ( This would be the case, even if I had violated the agreement, which I didnt. ) In recent years, MasterCard has set strict guidelines on how banks can add individuals to the MATCH List. Specifically, for a person to be put on the list, he or she must be found to be involved in : fraud, money laundering, bankruptcy, theft, identity theft, merchant collusion, illegal transactions, fraud conviction, etc. I have advised XXXX XXXXXXXX that none of these conditions apply to me and anyone who claims otherwise is trying to defame my reputation. \nJPMorgan Chase and its affiliate, XXXX XXXXXXXX behavior has been both unethical and discriminatory and is just one of the many reasons why they have an F- and D- rating respectively with the XXXX. It is also one of the reasons for their sordid reputation, as discussed online by tens of thousands of current and former customers. Additionally, this is one of the many reasons JPMorgan Chase been made to pay billions of dollars in fines and settlements for civil and criminal lawsuits, as well as been subjected to reprimands by Federal Bank Regulators, the US Federal Government, the US Department of Justice, various US Attorney Generals, and consumer watch groups, such as the Consumer Financial Protection Bureau. \nTo settle this complaint, XXXX XXXXXXXX can rightly remove my name from the MasterCard MATCH List. Personally, I find it disgusting that a business located within the United States and governed by numerous state and federal laws can not only make false allegations against someone, like myself, but can also list them on the MATCH List. What makes it even more deplorable is the fact that neither XXXX XXXXXXXX nor JPMorgan Chase have any evidence that I did anything wrong. \nDue to being unlawfully added to the MATCH List by XXXX XXXXXXXX, I have been blackballed and discriminated against within the financial community. No bank located in the United States will allow me to obtain a merchant account for a minimum of five years. As outlined in this complaint, I have spent the past six months desperately trying to communicate with XXXX XXXXXXXX and JP Morgan in an effort to resolve this unjust and illegal ban. All of the information reported in this complaint against XXXX XXXXXXXX is 100 % true, complete, and accurate. Furthermore, supporting evidence, including written communications between myself, XXXX XXXXXXXX, and JPMorgan Chase, is available.","date_sent_to_company":"2018-06-25T16:08:32.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"166XX","tags":null,"has_narrative":true,"complaint_id":"2943856","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-06-23T00:43:39.000Z","state":"PA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I was approved for a merchant account with XXXX XXXXXXXX ( Merchant ID Number : XXXX ) after filing an application ( Application ID Number XXXX ) and speaking with XXXX XXXX, EVP <em>Head</em> of Sales of XXXX XXXXXXXX. XXXX XXXX, Phone number is : XXXX. Email : XXXX. My reason for obtaining a merchant account was to <em>start</em> an online business and operate it as a sole proprietorship."]},"sort":[6.2502313,"2943856"]},{"_index":"complaint-public-v1","_id":"10707510","_score":6.023025,"_source":{"product":"Debt or credit management","complaint_what_happened":"I want to start by stating that my problem touches on all given options listed below : -Charged upfront or unexpected fees -Confusing or misleading advertising or marketing -Confusing or missing disclosures -Did n't provide services promised -Problem with customer service Submitting complaint regarding Brigit and it's undisclosed fees and charges made to my account, misleading advertising of Services about cash advances and overdraft protection, misleading disclosures fine print, and violation of my rights under FCRA in opening an authorized credit builder account. \n\nI initially signed up for an account with Brigit through their app on my phone to utilize the instant cash option and overdraft protection they advertised online through aggressive mini commercials off of other apps I was using. During the signup process for the overdraft protection which was advertised as part of the free service not a paid subscription, I encountered difficulties linking my checking account using my account number and routing number. In an attempt to resolve this, I tried using my debit card instead, which Brigit took it as a payment method and the OK to charge my checking account for the membership fee. Once inputted, Brigit immediately charged my XXXX  account the membership fee of {$9.00} on XX/XX/XXXX. I had no idea I was even charged. I did not receive a new membership email of this paid subscription. \n\nXX/XX/XXXX I went back to the app with the purpose of closing the account and requesting a refund of the {$9.00}. While on the App, I experienced login issues where my password would never work and upon requesting a new pin which was to be emailed to my XXXX account to reset the password, that email came three hours later rendering the link for the pin useless as it had expired. After six attempts I was able to log in and submitted a support ticket for the closure of my Brigit Account and the refund of {$9.00}. \n\nAt XXXX I received the automated response confirming they received my ticket. At XXXX I received this response : \" We're happy to help! \n\nUpon reviewing your Brigit account, we see that you currently have an active Credit Builder account open with us. Please confirm if you would like us to close your Credit Builder account so we can assist you further. '' I want to add this is the first time I have ever heard the term Credit Builder Account. I do not know what it is or mean at all. I am blissfully ignorant to this term. \n\nAt XXXX I responded with : \" Yes I would like to close it i didn't open this and I would like a refund {$9.00} and any other charges I've incurred thank you '' At XXXX I received an email stating that my request has been received. \n\nThen at XXXX I received this from Support : \" It looks like we've lost connection to your checking account, so we'll need to reconnect! To reconnect your bank, you'll need to log back into the Brigit app and relink your checking account via XXXX. Once the connection has been restored we can review your account for anything you may need. \n\nPlease let us know if you have any trouble reconnecting! '' First note that this small chat of merely two emails took 4 hours and 36 minutes. At this rate I choose not to add my login issues or ask what a credit builder account is, Id miss my tea time with the queen. With this I knew not much if any would get done in the time I had slated for this as I had more urgent matters to attend to. \n\nSecond, I knew all to well that as soon as I reconnect my checking account with them that they would charge me for XXXX 's Bill while pretending to wanting to help me and hiding this predatory tactic as merely a kind innocent gesture to review the account with me after reconnecting my bank. I'm ignorant not dumb. I'm not the hot girl that ends up getting separated from the group in a horror movie. \n\nAs pointed out, Brigit has problems with customer service let alone if they can tell time. This is only one of five parts of this complaint. \n\nSecond would be deceptive account openings, charging upfront fees and at times unexpected with confusing and misleading disclosures with fine print so fine that I question it's atomic signature. \n\nThird and fourth being in their marketing and advertising of their services that at the end they did not provide. I signed up for their overdraft protection which in turn Brigit used that to charge my checking for the membership fee which was never disclosed. I saw it being part of their free account service not paid. Then since my checking account was connected I tried to request the {$250.00} cash advance. In their advertising they said that you only need a checking account and you can get {$250.00} cash advance straight into your checking account. I was denied. \n\nSigning up was too simple, with only just an email and phone number for verification and immediately Brigit is aggressively requesting to link your checking account to their app through XXXX. The commercial was this : NEED TO BUY GROCERIES BUT YOU HAVE NO MONEY? GOT JOB? GOT CHECKING ACCOUNT? YOU CAN {$250.00} INSTANTLY INTO YOUR CHECKING ACCOUNT. \n\nLast thing is this Credit Builder Account, I finally educated myself on what this is and I know there was nothing within the signup process for the app, its overdraft protection or its {$250.00} cash advance that Brigit would open credit builder account using my checking account information : My address, earnings, name of job, phone number, full name, and my social security number WITHOUT MY CONSENT. I did not sign a terms and conditions for this type of loan/account. {$750.00} credit builder loan, a loan that I cant even use. Just a fictitious loan to help with my credit. I never asked for that, I never signed up for that. No small print, not even an email confirming the opening of this unauthorized account. This is a clear violation of my rights under FCRA. Below are Sections of rights that Brigit has violated under FRCA. \n\nSection 1681b - Permissible Purposes of Consumer Reports - Brigit opened an account in my name without consent, they obtained and reported information without a permissible purpose.\n\nSection 1681q - Obtaining Information Under False Pretenses - Brigit open an unauthorized credit builder account in my name without consent that involved misrepresenting information to obtain my credit report or account details. Brigit acquired this my information through a guise of a false promise through their misleading advertising of free overdraft protection and the simplistic process of getting {$250.00} easily. \n\nSection 1681s-2 - Responsibilities of Furnishers of Information - Brigit reported this new account opening with the three major CRA 's XXXX XXXX, XXXX, & XXXX for which I did not give consent of any kind for Brigit to do so. \n\nFrom the latest attempt I wrote a strong worded email to Brigit on XX/XX/year> requesting in tangent : A refund for both the {$9.00} and the {$10.00} charges. \nThe closure of the unauthorized credit builder account. \nThe closure of my entire Brigit account. \nCommunication to all three credit bureaus of the removal of this illegal account off my credit profile. An account I NEVER ASKED FOR. \n\nTheir response was of normal jibberish of their long proud standing history of helping the populace with their credit woes, remember that hot chick in the horror movie? She got slashed by todays rates of just have a normal loan. I wouldn't tall dark and dumb to sign up for a fake one. They continue on with refutes of confirmations of date stamps of me signing up and exerts from their account agreements policy which would have been nice to have one emailed to me as I never got one.\n\nTalk about three fudge Sunday in my face, Chocolate... .The shade of what I think of Brigit . \n\n\" These are all critical elements of demonstrating your creditworthiness and building your credit. While your Credit Builder account is now closed, it will still appear on your credit report and may remain on your credit report for up to 7 years. '' That's some brown shade thrown in my face punishing me for 7 years for an account that I never asked for, signup for, would have never consented to have opened. Because of them this illegal account that Brigit opened illegally will have a long lasting impact to my creditworthiness. Because of Brigit I will have to fight with all three CRA 's to have them remove the account. \n\nVanilla ... .The shade of too cool for you \" In order for us to send back your {$10.00} Credit Builder savings, you will need to reconnect a bank account! Let us know once you're reconnected and we can help send your savings back to you. Thank you for trying out the Brigit subscription, and we appreciate your understanding! '' They offered the {$10.00} back oh how nice. They would love to give it back to me, all I have to do is reconnect my checking account. That's worse then XXXX XXXX 's hair on XXXX head. \n\nStrawberry ... .The shade of my face They closed the account... ..All of this just for one small account. No wonder there isn't any normal people left ... .Because of XXXX  like this that we have to put up with and still live or die trying.","date_sent_to_company":"2024-11-07T15:21:40.000Z","issue":"Confusing or misleading advertising or marketing","sub_product":"Credit repair services","zip_code":"745XX","tags":null,"has_narrative":true,"complaint_id":"10707510","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridge IT, Inc.","date_received":"2024-11-07T15:06:09.000Z","state":"OK","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Below are <em>Sections</em> of rights that Brigit has violated under FRCA. \n\n<em>Section</em> 1681b - Permissible Purposes of Consumer Reports - Brigit opened an account in my name without consent, they obtained and reported information without a permissible purpose.\n\n<em>Section</em> 1681q - Obtaining Information Under False Pretenses - Brigit open an unauthorized credit builder account in my name without consent that involved misrepresenting information to obtain my credit report or account details."]},"sort":[6.023025,"10707510"]},{"_index":"complaint-public-v1","_id":"2660002","_score":5.866028,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Re : Citibank Credit Acct. ending in XXXX Hello, I apologize if this is overly lengthy but I like to be thorough ( and I sure hope there are breaks in paragraphs as opposed to the way it 's displayed in the review section ). Yet it is still not as thorough as I would like since the bank has completely shut me out from having any access to my account. I was initially keeping records of dates, contact names, etc, but this institution initially put me in a position where I felt comfortable enough that such notes were no longer necessary. And now they are refusing me access both electronically via the internet and via telephone. When I called them at the end of XX/XX/XXXX and after going through all the routine security questions, they refused to speak with me about my account ( never in 55 years have I had a bank refuse to give me *any* information about my own account ).\nEarlier this year, due to a drastic reduction in income, I fell into delinquency on this account. After some discussion, I came to an agreement with the bank that the account would be closed and that I would be put on a payment program wherein I would pay off the balance over a period of 60 months, at $ 151/month. Frankly, I was stunned by the generosity of the 0 % APR they gave me.\nBecause they have now put me in a position of blindness where I have virtually nothing to refer to in order to provide you with an accurate account ( apparently statements have stopped coming as well ), I 'm going to jump ahead a couple of months to the most recent development. I received an email from my credit reporting alert service that potentially negative information had been recently been reported to the credit bureaus. I logged in to find that my balance had been \" charged off as bad debt. '' This was reported to XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX, respectively. It was easy to figure out that this also meant my payment program was terminated.\nI am convinced that if it were n't for this reporting service, I would still be unaware that any of this had happened, as to this moment I still have received nothing to this effect from the bank. Prior to setting up the payment arrangement, I recall being badgered by the bank constantly in the form of electronic account alerts, phone calls and letters that I needed to act. Yet now, when I could have used some of this badgering to let me know what was happening and even prevent it from going as far as it did, they kept me completely in the dark, not communicating with me by any means to make me aware of the situation - still have n't. And still wo n't.\nLet me try and piece together what led to this. With the help of a relative, I have recently set up an arrangement in which these monthly payments were to come out of a trust fund. {$150.00} was to automatically be sent out on the XXXX of each month ( the due date being the XXXX of each month ). I was given the impression that the first payment was to go out on XX/XX/XXXX. Only through investigation as a result of the credit alert did I discover this payment never went out. Through either computer error or miscommunication, the first payment was programmed to go out on XX/XX/XXXX( once this had all been discovered, the managers of the fund offered to expedite the payment, but I instructed them to hold off on it so I could see where I stood with the bank and what that payment would do for me, if anything. But as stated earlier, when I called last week, they refused to speak to me. I know this might be hard to believe, but rep after rep after rep in various departments literally would not tell me a single thing about my account ( should they deny this, I will address that claim then ).\nI am aware that as a result of my own oversight, I submitted a prior payment one day late. And I am also aware through discussion of the terms of the agreement at the time that two consecutive missed payments could result in removal from the payment plan ( though there seemed to be some discrepancy between a \" late '' payment and a \" missed '' payment ). I also know that yet another payment that I paid at a Citibank branch itself on the due date itself may have inaccurately been posted as late ( I know it had to be before the cutoff time of XXXX XXXX because that is when the branch closes! ). But as I said, I have denied access to anything I could refer to give you more detailed information.\nBut this really goes beyond the two late ( \" missed ''? ) payments. Where was any kind of notification or warning from the bank? All the badgering I got prior to the agreement? Why was I kept so in the dark until it took a credit alerting service to make me aware of how far it had gone? Why am I still being kept in the dark to this very day? With a little communication, this could have been resolved before it went off the rails entirely. And from that point on, payments would have gone out on time like clockwork for the next five years. Instead, what started out as a generous resolution from the bank has now unnecessarily become a ( possibly irreparable? ) nightmare.\nThe people who manage the fund ( who I 'm choosing not to name for the time being because, as is stated below this form, I am allowing this to be published publicly ) said they would like to write an official letter explaining their involvement. They seem to think they can get the plan reinstated. I want to hear what the bank has to say first. I also want access to my account returned to me so I can get my facts straight. I like to have my facts straight. I am especially appalled by this aspect of the whole thing - I can not get access to anything that will tell me what payments were received, how they were submitted, when they were posted, etc ( I do recall, before I was shut out completely, seeing a {$45.00} payment posted that I could n't make heads or tails of - I do n't even know where such a figure came from ).\nIf I were to give the managers of the fund the go ahead to write the bank a letter, I would want to make sure it goes to someone in authority as opposed to some standard dime-a-dozen rep who has no power to do anything. I figure that if this submission does nothing else, it will at least put me in touch with whom that person might be. And as far as any authority that the CFPB has over the bank, I believe they should be made to answer to why they have refused me access to information that I have every right to see. I have to wonder if they have in some way violated some law or regulation.\nThank you, XXXX XXXX","date_sent_to_company":"2017-09-07T05:56:25.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"20815","tags":null,"has_narrative":true,"complaint_id":"2660002","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2017-09-07T03:19:50.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Re : Citibank Credit Acct. ending in XXXX Hello, I apologize if this is overly lengthy but I like to be thorough ( and I sure hope there are breaks in paragraphs as opposed to the way it 's displayed in the review <em>section</em> ). Yet it is still not as thorough as I would like since the bank has completely shut me out from having any access to my account."]},"sort":[5.866028,"2660002"]},{"_index":"complaint-public-v1","_id":"2652684","_score":5.821471,"_source":{"product":"Mortgage","complaint_what_happened":"To whom it may concern, Please accept this correspondence concerning my recent experience with XXXX XXXX ( XXXX # XXXX ) representing Land Home Financial Services as a local Area Manager in XXXX, FL. I am requesting a serious investigation to be done on this transaction that essentially left me and my minor child without a roof over our head ( homeless ) while violating Florida Statutes Chapter # 501 - Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ) sections .201-.213 and 95.11 ( 3 ) ( K ), Florida Statutes . Attached hereto you will find supporting documentation in form of emails ( additional text messages and emails available ) that prove that the above mentioned Land Home Financial Services ( LHFS ) representative has engaged in bait and switch, deceptive trade practices and breach of contract during this transaction that resulted in me losing my rental apartment that I was occupying and becoming homeless. I was lead to believe all along during this process that this loan will close. Also, enclosed you will find the receipts for the financial loss that I suffered due to this failed transaction. I would like to give you a description of how this transaction transpired and I am open to be contacted if any additional information or documentation is required for a full investigation to be launched. Please accept my apologies in advance for the lengthy explanation. \nBack in XX/XX/XXXX of this year I started looking on-line at different Real Estate properties. I was intending to buy a home for myself and my daughter in the near future. I came across a property on XXXX and entered my personal information which subsequently resulted in a call from a XXXX representative to further discuss my interests on that particular property. I advised the representative that I was not working with a Mortgage Broker or a Realtor at that time and she recommended XXXX XXXX with LHFS as one of their preferred lenders in the area. She stated that they have a very tight and in depth criteria when selecting a preferred broker since they recommend them to consumers. That put me at ease as I believed that I could trust their recommendation. I agreed to XXXX passing on my contact information to XXXX and shortly thereafter I received a call from him and our communication on obtaining a loan with LHFS started. On our 1st conversation we went over general and basic information needed such as income, debt, social security number, date of birth etc. and I was told that after my credit was pulled I will be in contact with him again to discuss the maximum amount on the loan approval, and some additional info if needed. Also, at that time I was told that LHFS actually offers a Government Grant Sapphire Grant that is not available to all lenders out on the market and his office is actually issuing that directly to me since I qualified for it based on my income and property value that I was looking for. I was pleasantly surprised by that because I was looking into an FHA mortgage loan and the 3 % -5 % Grant would help with down payment and closing costs. He also recommended to me a Realtor that he claimed to know for a long time and had been doing business with, XXXX XXXX. So far everything looked perfect and I was thrilled over the down payment assistance XXXX XXXX! Shortly thereafter I was copied in an email from XXXX that was addressed to XXXX and contained XXXX Pre-Approval Letters, XXXX for {$150000.00} and XXXX for {$200000.00} which explained the following : my initial pre-approval was XXXX and to go up to XXXX I was contingent to providing him with a document that the second vehicle that was showing on my credit report was not my vehicle and that I was not making the payments on it. At that point I provided XXXX with the second vehicle Sales Contract and he advised that we could start looking for properties up to XXXX or even a bit higher since we might be able to negotiate the sales price. In regards to my credit score, he advised that I was at XXXX and I needed to be at minimum XXXX or above by the time we find a property but that he was not concerned about me bringing my score up quickly because I only had XXXX credit cards that had a tad bit of higher than usual balance and I was planning to pay them off or down anyways. \nI found a suitable property located at XXXX XXXX XXXX XXXX XXXX FL, XXXX. Towards the end of XX/XX/XXXX I came across this townhouse and in working with XXXX ( Realtor ) we had a signed contract by end of the month. When the offer was placed on the property, XXXX was advised on the sales price, address and some additional info he requested about the property. At that time I was told that I NO LONGER qualify for the Sapphire Grant because this property is coming up over the maximum DTI for the grant. The asking price was {$180000.00} and we ended up in a contract for {$180000.00}. Quick reminder, I had a Pre-Approval Letter of XXXX for a property purchase. I was not told at any point in time fromXX/XX/XXXX till this property was under contract that a lot of other factors come into play that could throw your DTI off, like property taxes, HOA, Insurance etc. since they are all calculated into the monthly housing expenses. It was never mentioned that I should only look for properties up to X amount, add on the rest of the expenses, and then look at the DTI before choosing a property. As you can imagine, disappointment is an understatement at that point but I had no choice because I was already in a signed contract so I had to come up with the 3 % down payment. I was told that the rest of the closing costs will be wrapped into the loan. Bait and Switch is absolutely what this grant was to me at that point. The process to qualify for it was not properly explained and in contrary the XXXX Pre-Approval Letter does not specify anything else other then the fact that I can purchase a property for up to XXXX in value. Quite frankly, there was absolutely nothing special about me doing business with XXXX or LHFS other than this Grant that was promised to me at the beginning of our conversations since anyone within the mortgage industry can obtain an FHA loan. \nAfter the loan was submitted to the underwriting department I was contacted by XXXX and I was told that the second car loan, the one that I am not paying for and the one that I send him the Sales Contract on, will need to be refinanced out of my name. The reason for that is because it is still considered my debt since the payments on the car were not made by the new owner for at least 12 months. Quick reminder, the Sales Contract was given to XXXX in the beginning of our dealings inXX/XX/XXXX. The date on when the car was sold is recorded in the contract plus proof of payments was also given to him as well. Left with no other choice but to try to refinance the car, I tried every avenue possible to have that done and it just didnt work out. My credit cards were not an issue anymore because by then my credit cards balances were paid down and my credit score was into low XXXX. The problem was that the person that purchased the vehicle was not able to have it refinanced due to some credit issues on her end. XXXX was advised of the situation and kept informed along the way. He was also informed that I had to give my landlord 30 day notice for moving out and I knew that the rental apartment I was living it would rent quickly because of the price and location. I had multiple conversations with XXXX over this issue and even after all that, at no point in time did he advise me that this loan would not close, so the 30 day notice was given. He continued to push this through and continued to tell me, my realtor and the sellers realtor that this will be a closed deal at some point. \nWe ended up extending the contract because we could not close in time due to the fact that the second vehicle was not able to get refinanced. If XXXX would have been a knowledgeable broker he would have known from day one that 12 months of car payments is a requirement for that second vehicle not to be considered my debt. Three other lenders that I had spoken to afterwards, not including XXXX XXXX, who herself is a Branch Manager at a different LHFS location in the state of FL knew of that requirement. At that point, he advised that another option to have this loan done would be add a co-signer to the loan and I told him that the only person that I could use could be my mother. \nI told him that my mother has gotten her XXXX XXXX XXXX XXXX in XX/XX/XXXX. Also, that she was in XXXX ( my home country ) from XX/XX/XXXX until XX/XX/XXXX therefore she only has documented income in the form of a paycheck sinceXX/XX/XXXX to which XXXX responded that that will not be an issue. The issue that we were having with my mother was that she had no credit whatsoever here in the XXXX, and for that I had to add her to my credit cards as an authorized signer which I did. It took a few weeks for that to start reflecting with the credit reporting agencies but once she showed a credit score he added her to the loan, changed the FHA to a Conventional loan and we were back on track to close on this townhouse. \nThe contract got extended once again and we were working on the last conditions that came back from the underwriting department which I was told were minor and the majority were for them to meet. We were one week out from closing and XXXX left for a XXXX week vacation to XXXX leaving XXXX XXXX in charge to close my loan, along with a couple of other people in his own office. Not until XXXX got involved and spoke to the underwriting department, after all the remaining items were submitted, that I was told that this loan it will not close or better yet it shouldnt have been a loan from the beginning. Why? Because 1. I should have never been given a Pre-Approval letter for a loan considering that the second car that was under my name but for which the actual owner was making payments were not done for at least 12 months. 2. My mother would need to have 2 years of W2, 1099 or equivalent within XXXX in order for her to be added to a loan as a co-signer. \nUnfortunately, by that time I had already had to vacate the rental unit as of XX/XX/XXXX since a new tenant was coming in inXX/XX/XXXX. The seller agreed to allow me to move my 2 bedroom 2 bathroom apartment furniture and belongings into the townhouses garage because we were to close on the loan within the next few days. That was very kind of him to allow me to do that vs. moving all my stuff into a storage unit and then into the house once the loan closed. However, the scenario was not ideal because I had to throw out everything that I had in the fridge and freezer and some other food due to the fact that I was only allowed to use the garage, and I was concerned for rodents etc. \nTwo days because the closing date I was told by XXXX that this loan will not close. To make matters even worse, I was homeless with no roof over my head or my daughters which I am primary custodian for. The seller agreed to allow me to move my stuff out of the garage and into a storage unit on a Saturday so that I did not have to use another day of vacation from work. \nWe canceled the purchase contract and the seller agreed to return my escrow deposit simply because they realized that it was nothing that I had done to prevent this loan from closing, but it was actually XXXX incompetence and lies. So here I was 6 months later, working with a professional mortgage broker that has been in business for XXXX years with no place to call home, a minor child with me, all my personal and furniture in a storage unit, and living at the mercy of my friends in their house till I found another rental apartment. \nDuring this ordeal I did not receive XXXX email from XXXX while he was in XXXX, although he was very well aware that this deal fell through because he was copied in all email communications with XXXX. I reached out to LHFS corporate office in CA and I requested that an executive reach out to me, and later on I received a call from XXXX XXXX who advised that he is the VP of National Sales, and he will me handling this matter because he is part owner of the company and his interest to have it resolved. \nI provided XXXX with all the information for this transaction, and I expressed to him that I am out of pocket, at that time of probably XXXX plus, and at minimum I am looking into being compensated for that. He agreed that he will be looking into this matter further, he would discuss it with XXXX and, I agreed to forward him the invoices once I moved into a new rental apartment since I was still living with friends at that time. \nOn XX/XX/XXXX I received a phone call from XXXX and he advised that he is back in town and he is deeply sorry for what happened and for the situation, and stressed that he was sorry for what he put me and my daughter through. He also said that he has no control over what LHFS will be reimbursing me for, but for whatever money they will not, he will do it out of his personal money to make me whole. I told him, just like I told XXXX, that I will put all the invoices together and I will be forwarding that to them once I know for sure the move in situation. \nI was lucky enough to find an apartment in the same community that I lived in before, and at the same rental price, but I had to wait for the unit to be ready. OnXX/XX/XXXX I was finally able to move in after having no place to call home for XXXX days. \nAs soon as I was able to put all the invoices together I emailed XXXX and XXXX and I requested for the reimbursement check to be sent to me. I received one communication email after that from XXXX asking for us to find a time to speak to which I responded that he can reach me on my cell phone at any time. Not a word from anyone else after that! \nAs we stand right now, I am out of pocket {$2200.00} because of a FL licensed mortgage broker that has against the law used unfair and deceptive trade practices by lying to me all along and making me believe something that was completely false and misleading, lured me into doing business with his company by promising a grant that was never given to me. That is bait and switch. He also breached a verbal contract when he stated that he will repay me the financial loss that I suffered but never gave me my money back. This is without taking into account the stress, the time lost and the pain and suffering that I went through yet it appears that LHFS and XXXX believe to have absolutely no obligation towards me as a consumer. I am asking that you step in and hold LHFS and XXXX fully responsible and accountable for their actions and facilitate that I recover my financial loss at minimum. \n\nRespectfully, XXXX XXXX XXXXXXXXXXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2017-08-28T20:37:06.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"33417","tags":null,"has_narrative":true,"complaint_id":"2652684","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"LAND HOME FINANCIAL SERVICES","date_received":"2017-08-28T20:28:25.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting a serious investigation to be done on this transaction that essentially left me and my minor child without a roof over our <em>head</em> ( homeless ) while violating Florida Statutes Chapter # 501 - Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ) <em>sections</em> .201-.213 and 95.11 ( 3 ) ( K ), Florida Statutes ."]},"sort":[5.821471,"2652684"]},{"_index":"complaint-public-v1","_id":"9005065","_score":4.2962265,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX U.S.Code XXXX ( a ) ( XXXX ) XXXX ( XXXX ) - the term consumer means a natural person XXXX U.S.Code XXXX ( a ) XXXX ( a ) - XXXX has a right to privacy. \n\n\n\nXXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) - creditor, [ XXXX XXXX as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment. \n\n\n\nXXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) - Location information includes telephone number, place of abode, place of employment. This is private remove it XXXX U.S.Code XXXX ( c ) XXXX XXXX XXXX ( c ) XXXX ( c ) Legal refusal to pay debt. Cease and Desist. \n\nOnly communication allowed is ; XXXX. Debt collector states all termination to collect are terminated ; XXXX. Allows consumer to invoke their status of creditor to receive their specified remedy ; XXXX. Allows for the notification of the intention to invoke specified remedy. XXXX. If the notice is delivered by mail the cease and desist is started upon the receipt of when the mail is sent. \n\n\n\nXXXX U.S.Code XXXX ( d ) XXXX ( d ) - Allows for the invoked status of XXXX, executor, and as age or majority, parent can execute over the minor. The minor would be the corporation of your own birth certificate and opposing debt collector. This would also allow for your claim of stating the debt collector has no legal standing as they are in fact a minor in law. \n\n\n\nXXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) ( A ) - false character, amount, or legal status of any debt. - AKA if your amount is shown in the positive it is a false and misrepresentation. If the balance was owed in a bank account it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? \n\n\n\nXXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) - anything you deem false and deceptive with evidence. \n\n\n\nXXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) - the assignee clause which makes the XXXX party debt collector and the one who assigns the debt liable. \n\n\n\nXXXX U.S.Code XXXX ( b ) XXXX ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation. \n\n\n\nXXXX XXXX XXXX XXXX Give me all of my COINS back.I want all of my money Notice, In accordance with XXXX XXXX XXXX I, the consumer and affiant in fact, give, with my written instruction, direction for to redirect all prior payments, and all current payments to rectify the matters herein, to me XXXX XXXX XXXX XXXX - False and deceptive forms. A form which is made to believe the debt has something to do with you or you are obligated and you are not, is false and deceptive. XXXX found in a form is a false and deceptive form and a violation of this act. For example if you go and get a car after a consumer credit transaction, you went for a car and gave credit. Companies are known to make whats called asset accounts. You never went to have an account made, this is a false and deceptive form because they never disclose this account being made. This includes statements which falsely accuses you of owing a debt. The delivery of these forms via mail constitutes mail fraud. However this subsection would not be used from inception of a contract, only after when an alleged debt is in the process of being collected and there is fraud found. \n\n\n\nXXXX U.S.Code XXXX ( a ) ( XXXX ) XXXX ( a ) ( XXXX ) - Allows for any action of damage. \n\n\n\nXXXX U.S.Code XXXX ( a ) ( XXXX ) ( A ) XXXX ( a ) ( XXXX ) ( A ) - XXXX dollars for each proceeding. To get a XXXX dollars per violation, you will use XXXX dollars as actual damage under XXXX U.S.Code XXXX ( a ) ( XXXX ) XXXX U.S.Code XXXX ( a ) ( XXXX ) ( B ) XXXX ( a ) ( XXXX ) ( B ) -If you win a civil suit and file a class action, you can obtain up to XXXX or 1 % of the company. \n\n\n\nXXXX U.S.Code XXXX ( d ) XXXX ( d ) - you can invoke your jurisdiction. And as the XXXX, or judge, and the creditor under XXXX ( d ) and you can administer judgement as the XXXX. You are the secured party right? \n\n\n\nXXXX U.S.Code XXXX ( b ) XXXX ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. \n\n\n\nXXXX ( a ) ( XXXX ) XXXX ( a ) ( XXXX ) - Consumers right to privacy Notice, I, the affiant, a consumer has the right to privacy pursuant to XXXX U.S.Code XXXX ( a ) ( XXXX ). has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. \n\n\n\nXXXX U.S.Code XXXX ( f ) XXXX ( f ) - Consumer reporting agencies - Examples are XXXX, Transunion, XXXX. However there are over XXXX agencies who collect, house XXXX and sell your information. Any person who produces a consumer report would be a CRA. \n\n\n\n\n\nXXXX U.S.Code XXXX ( XXXX ) ( A ) ( iii ) XXXX ( XXXX ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( B ) XXXX ( XXXX ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined, understand the Truth in Lending Act, this transaction must be excluded from your consumer report. \n\n\n\nXXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) - investigated reports must have sources of interviews of family and friends, and the results can not contain factual information. \n\n\n\nXXXX U.S.Code XXXX ( g ) XXXX ( g ) - The consumer XXXX, includes the full file of a consumers collected information and the sources of that information. \n\n\n\nXXXX U.S.Code XXXX ( i ) ( XXXX ) XXXX ( i ) ( XXXX ) - medical information can not be included - age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. In other words not a single piece of medical information should be on your report XXXX XXXX XXXX ( q ) ( XXXX ) XXXX ( q ) ( XXXX ) - Identity Theft definition, similar to XXXX XXXX XXXX XXXX XXXX Notice, affiant is aware the term identity theft as described in XXXX XXXX XXXX ( q ) ( XXXX ) and Regulation V XXXX XXXX XXXX is a fraud committed or attempted using the identifying information of another person without authority.If you never expressed permissions, which means its written down, then it shouldnt be on your report XXXX XXXX XXXX ( a ) ( XXXX ) XXXX ( a ) ( XXXX ) - CRAs need written instruction to make a consumer report by the XXXX XXXX XXXX XXXX ( CRA ) XXXX XXXX XXXX ( c ) ( XXXX ) ( A ) XXXX ( c ) ( XXXX ) ( A ) - This is an inquiry that gets reported onto your consumer report. Some times CRAs will try to say XXXX only refers to inquires, here is a snap back, you cant be afraid to fight back! \n\nNotice, affiant is aware, section XXXX U.S.Code XXXX, permissible purposes does not only refer to inquires. Inquiries fall under only XXXX subsection under the Fair Credit Reporting Act, Title XXXX XXXX XXXX ( c ) ( XXXX ) ( A ) and does not make up the entire section of XXXX XXXX XXXX. The presumption which states XXXX only refers to inquires is false and misleading. \n\n\n\nXXXX XXXX XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) - Unauthorized inquiries XXXX XXXX XXXX ( a ) XXXX ( a ) - reasonable procedures must be maintained to avoid violations of XXXX and XXXX XXXX XXXX XXXX ( b ) XXXX ( b ) - must maintain maximum possible accuracy. \n\n\n\nXXXX U.S.Code XXXX XXXX - Request for a full file disclosure and the sources of its XXXX XXXX U.S.Code XXXX ( f ) ( XXXX ) ( A ) ( i ) XXXX ( f ) ( XXXX ) ( A ) ( i ) - XXXX XXXX is a risk score. \n\nNotice affiant is aware, a XXXX XXXX is a risk score pursuant to XXXX XXXX XXXX XXXX ( f ) ( XXXX ) ( A ) ( i ). Like other risk scores, a XXXX XXXX is a calculated score that tells you how severe a risk is, based on several factors to predict the likelihood of certain credit behaviors such as default. \n\n\n\nXXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) - Method of XXXX I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with must be removed XXXX XXXX XXXX ( XXXX ) ( A ) XXXX ( XXXX ) ( A ) - failed demand to comply or failure to comply XXXX XXXX XXXX ( XXXX ) ( A ) ( i ) XXXX ( XXXX ) ( A ) ( i )- If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted. \n\n\n\nXXXX XXXX XXXX ( a ) ( XXXX ) ( A ) XXXX ( a ) ( XXXX ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$15.00} XXXX XXXX ( a ) ( XXXX ) ( A ) XXXX ( a ) ( XXXX ) ( A ) - Unauthorized Inquiries hold civil liability up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater. \n\n\n\nXXXX XXXX XXXX XXXX ( a ) ( XXXX ) - For negligent noncompliance, or in other words, failure to comply even though they should have known they must comply, is equal to the sum of action damages. \n\nThe law is public information acting like they didnt know is no excuse to violate you or the law XXXX XXXX Code XXXX XXXX - Any person which includes a consumer reporting agency who willfully and knowingly obtains INFORMATION on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX ) ( A ) ( XXXX ) - This is a snap back to a company who states they are required to report 100 % accurate information. They misconstrue the law to state they are required to report accurate information but this does not mean the must report negative information. This is not a requirement of the FCRA. This is false and misleading and a violation of XXXX ( XXXX ) ( XXXX ) XXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) The term person means a natural person or an organization. \n\nNotice, affiant is aware, a person as defined under the Truth in Lending Act as a natural person or an organization, and organization can be a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association as defined under the Truth in Lending Act, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( f ) XXXX XXXX XXXX ( f ) Notice, affiant is aware, the term credit means the right granted by I, the original creditor, to a debtor to defer payment of the debt or to incur debt or a loan from the XXXX Treasury and defer its payment. \n\n\n\nThis makes { COMPANY NAME } a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to I, at the time of the transaction. I, the affiant, came to extend credit as shown in exhibit ( -- ) and not receive a loan from the XXXX treasury. The contract I received, as a result, was an unsolicited advertisement described in XXXX U.S.C XXXX ( a ) ( XXXX ) by { COMPANY NAME } and lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by { COMPANY NAME }. \n\n\n\nXXXX XXXX XXXX XXXX ( g ) XXXX ( g ) The term creditor refers only to a person, natural person, who regularly extends credit and is the person to whom the debt arising from thus we created the debt, and the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or a contract. \n\n\n\nXXXX U.S.Code XXXX ( i ) XXXX ( i ) - a consumer in connection with a consumer credit transaction, refers to natural person who extends credit to obtain goods, money or services are primarily for personal, family, or household purposes. \n\n\n\nXXXX U.S.Code XXXX ( j ) XXXX ( j ) - A credit card from a bank such as XXXX are actually called open-ended consumer credit plans. Installment loans also fit under this category as well. \n\nin accordance with XXXX U.S.Code XXXX ( j ) which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which XXXX be computed from time to time. \n\n\n\nXXXX U.S.Code XXXX ( l ) XXXX ( l ) The term credit card means any card, which includes examples such as an EBT card or social security card, license plate, checkbook or remittance slip. \n\n\n\n\n\nXXXX U.S.Code XXXX ( p ) XXXX ( p ) The term unauthorized use, as used in section XXXX of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. \n\n\n\nXXXX U.S.Code XXXX ( v ) XXXX ( v ) - material disclosures require XXXX different requirements and XXXX disclosures are required if it is a mortgage contract. \n\nXXXX the annual percentage rate, XXXX the method of determining the finance charge XXXX the balance upon which a finance charge will be imposed, XXXX the amount of the finance charge, XXXX the amount to be financed, XXXX the total of payments, XXXX the number and amount of payments, XXXX the due dates or periods of payments scheduled to repay the indebtedness, XXXX disclosures required by section XXXX ( a ) of this title. ( Mortgage XXXX ) Notice, affiant is aware, in accordance to the regulations of the XXXX, there are XXXX required material disclosures which should be clear and conscious, bolded with XXXX point font and sectioned off in boxes within each consumer credit contract ; XXXX material disclosures are required if it is a mortgage contract. As shown in EXHIBIT ( -- ), the contract provided did not meet the full criteria of the material disclosures in accordance with XXXX U.S.Code XXXX ( v ) required by the Truth in Lending Act and is in violation of XXXX U.S.Code XXXX ( v ). \n\n\n\nXXXX U.S.Code XXXX ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, ( b ) does not include charges of a type payable in a comparable cash transaction. \n\nthe finance charge includes any of the following types of charges which are applicable : ( XXXX ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. \n\n( XXXX ) Service or carrying charge. \n\n( XXXX ) Loan fee, finders fee, or similar charge. \n\n( XXXX ) Fee for an investigation or credit report. \n\n( XXXX ) XXXX or other charge for any guarantee or insurance protecting the creditor against the obligors default or fees paid directly to the broker or the lender ( XXXX ) fees ( for delivery to the broker ) whether such fees are paid in cash or financed. \n\n( XXXX ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges ( XXXX ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property. Meaning all debts with a finance charge comes with insurance in case of default. \n\n\n\nXXXX ( a ) ( b ) XXXX ( a ) ( b ) - Insurance, interest, services, deliver fees, loan fees, broker fees, fee to cover defaults, are all included in the finance charge. \n\n\n\nXXXX U.S.Code XXXX ( a ) XXXX ( a ) No down payments or any cash in connection with a finance charge. \n\n\n\nXXXX XXXX Code XXXX ( XXXX ) ; ( XXXX ) Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the under TILA and every \" regulation '' or consumer law after, and since XXXX is the first law it's all of consumer credit protection, or ( XXXX ) if companies fails to comply with any requirement imposed under TILA shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. \n\n\n\nXXXX XXXX XXXX XXXX Revoking power of attorney. \n\nNotice, affiant is invoking it's right of rescission in accordance with XXXX U.S.Code XXXX and XXXX XXXX XXXX to rescind any power of attorney which XXXX have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which XXXX have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( XXXX ) ; nunc pro tunc.! If you have XXXX give them yours as well XXXX XXXX XXXX XXXX - arbitration clause Notice, affiant is aware, upon discovery, this contract has been a XXXX sided agreement which I was never disclosed the second signature by an authorized party, head of agency or registered agent .The appropriate \" meeting of the minds '' has never occurred in connection with this contract. Being the only party to sign this contract without full willful disclosure I invoke and reserve my right to revoke the arbitration clause in connection with this contract and for any transfer, trade, hypothecation, whether voluntary or involuntary involving any and every instrument which XXXX have occurred unbeknownst to me ; XXXX pro tunc. \n\n\n\nXXXX XXXX Code XXXX ( b ) ( XXXX ) ( A ) XXXX ( b ) ( XXXX ) ( A ) - Creditor must provide documentary evidence upon request to verify a billing error otherwise there is a violation of XXXX XXXX XXXX Notice, affiant is aware, documentary evidence pursuant to XXXX U.S.Code XXXX includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( -- ). I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication XXXX. I am giving formal notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of XXXX U.S.Code XXXX XXXX U.S.Code XXXX ( a ) XXXX ( a ) - For each violation of TILA is double the finance charge when it comes to consumer credit transactions. This doesn't mean if you find multiple TILA violations there is only double the finance charge XXXX time. Each violation is double the finance charge. In a lease each violation is XXXX dollars. If there is no security interest its XXXX per violation or higher depending on a pattern of failures aka XXXX. charges. \n\n\n\nXXXX U.S.Code XXXX ( B ) if there is a class action then the violation can be XXXX or 1 % of the net worth of the creditor. \n\n\n\nXXXX U.S.Code XXXX ( a ) XXXX ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, XXXX card etc, can result up to a XXXX fine. \n\n\n\nXXXX XXXX XXXX XXXX ( b ) XXXX ( b ) - It is illegal to require any downpayment in connection with a consumer credit transaction XXXX U.S.Code XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ) - Billing errors caused by not providing documentary evidence as defined as XXXX U.S.Code XXXX. \n\n\n\nXXXX XXXX XXXX XXXX XXXX ( a ) Creditor can not report information to any third party if there is a billing error dispute until the dispute is over XXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) - if the creditor does not provide all documentary evidence as defined under XXXX U.S.Code XXXX this will result in a billing error and the creditor forfeits all rights to collect on the amount the person has identified in dispute. If the person gets the final payout statement amount and states the amount is a billing error then the entire amount would not be able to be collected on. \n\n\n\nXXXX XXXX. XXXX ( d ) ( XXXX ) - enforcing the billing error, and restrictions from a company. \n\nNotice, affiant is aware, as the creditor XXXX not collect any disputed amount, I the consumer and affiant, does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by will forfeit its rights to collect the disputed amount as described in XXXX XXXX XXXX ( XXXX ) and hold the creditor liable under XXXX XXXX XXXX for the actual damage caused to I, the affiant, as well as held to criminal liability pursuant to XXXX XXXX XXXX for failing to require documentary evidence as requested to clarify and revolve the previously addressed billing error XXXX XXXX Code XXXX XXXX - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and ledger entires of the account from the date of account opening as described in XXXX IRS XXXX. \n\nMake sure to tell them if you want it in cash check or money order and where to send it too XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) - it is unlawful to discriminate in any aspect against anyone who exercised their right in good faith. Credit is the right granted under title XXXX ( f ) ... ( think about it ) XXXX XXXX Code XXXX ( b ) ( a ) ( A ) ( B ) ( C ) - The right to opt out, the right to have the information clearly and conspicuously disclosed and consumers directing that information not to be disclosed and explanation to how to opt out of reporting. \n\n\n\nXXXX XXXX. XXXX ( d ) Purchase money loan NoticeI the affiant has reason to believe and do so believe a purchase money loan, cash advance was given as the creditor from the XXXX Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it I, living name, agent for principal XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney in fact, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I I will autograph for my given name, XXXX XXXX and XXXX the agent and XXXX in fact. \n\n\n\nXXXX finds there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. \n\nUpon review of my credit report, I have notice you are reporting several inaccurate information. You have a duty pursuant to the FCRA to report accurate and fair information. In accordance with the Fair Credit Reporting act company name, has violated my rights. I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. \n\n\n\nThe Consumer Credit Report, Pursuant to title XXXX XXXX ( a ) ( XXXX ) exclusions ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late Payments Entries Identified On The Consumer Report Are A Violation Of My Rights As Consumer This includes charge offs and collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The following address needs to be removed immediately. \n\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The following employer need to be immediately removed. \n\nXXXX. XXXX TAC XXXX XXXX  The following inquiries need to be immediately removed. \n\nXXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX I believe these unauthorized inquiries violate the provisions outlined in Title XXXX XXXX XXXX, as I have not applied for credit or sought any services from the aforementioned creditors, and therefore, these inquiries are not valid or authorized. As a consumer, it is my right to have accurate and up-to-date information in my credit report, and unauthorized inquiries can negatively impact my creditworthiness and financial opportunities.","date_sent_to_company":"2024-05-14T17:13:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60510","tags":null,"has_narrative":true,"complaint_id":"9005065","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-14T16:37:51.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If you have XXXX give them yours as <em>well</em> XXXX XXXX XXXX XXXX - arbitration clause Notice, affiant is aware, upon discovery, this contract has been a XXXX sided agreement which I was never disclosed the second signature by an authorized party, <em>head</em> of agency or registered agent .The appropriate \" meeting of the minds '' has never occurred in connection with this contract."]},"sort":[4.2962265,"9005065"]},{"_index":"complaint-public-v1","_id":"9005208","_score":4.0494437,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"15 U.S.Code 1693 ( a ) ( 6 ) 1693a ( 6 ) - the term consumer means a natural person 15 U.S.Code 1692 ( a ) 1692 ( a ) - Consumer has a right to privacy. \n\n\n\n15 U.S.Code 1692a ( 4 ) 1692a ( 4 ) - creditor, [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment. \n\n\n\n15 U.S.Code 1692a ( 7 ) 1692a ( 7 ) - Location information includes telephone number, place of abode, place of employment. This is private remove it 15 U.S.Code 1692c ( c ) 15 USC 1692c ( c ) 1692c ( c ) Legal refusal to pay debt. Cease and Desist. \n\nOnly communication allowed is ; XXXX. Debt collector states all termination to collect are terminated ; XXXX. Allows consumer to invoke their status of creditor to receive their specified remedy ; XXXX. Allows for the notification of the intention to invoke specified remedy. XXXX. If the notice is delivered by mail the cease and desist is started upon the receipt of when the mail is sent. \n\n\n\n15 U.S.Code 1692c ( d ) 1692c ( d ) - Allows for the invoked status of administrator, executor, and as age or majority, parent can execute over the minor. The minor would be the corporation of your own birth certificate and opposing debt collector. This would also allow for your claim of stating the debt collector has no legal standing as they are in fact a minor in law. \n\n\n\n15 U.S.Code 1692e ( 2 ) 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt. - AKA if your amount is shown in the positive it is a false and misrepresentation. If the balance was owed in a bank account it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? \n\n\n\n15 U.S.Code 1692e ( 10 ) 1692e ( 10 ) - anything you deem false and deceptive with evidence.\n\n15 U.S.Code 1692e ( 12 ) 1692e ( 12 ) - the assignee clause which makes the 3rd party debt collector and the one who assigns the debt liable. \n\n\n\n15 U.S.Code 1692g ( b ) 1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation. \n\n\n\n15 U.S.Code 1692h 1692h Give me all of my COINS back.I want all of my money Notice, In accordance with 15 U.S.Code 1692h I, the consumer and affiant in fact, give, with my written instruction, direction for to redirect all prior payments, and all current payments to rectify the matters herein, to me 15 U.S.Code 1692j 1692j - False and deceptive forms. A form which is made to believe the debt has something to do with you or you are obligated and you are not, is false and deceptive. Fraud found in a form is a false and deceptive form and a violation of this act. For example if you go and get a car after a consumer credit transaction, you went for a car and gave credit. Companies are known to make whats called asset accounts. You never went to have an account made, this is a false and deceptive form because they never disclose this account being made. This includes statements which falsely accuses you of owing a debt. The delivery of these forms via mail constitutes mail fraud. However this subsection would not be used from inception of a contract, only after when an alleged debt is in the process of being collected and there is fraud found. \n\n\n\n15 U.S.Code XXXX ( a ) ( XXXX ) XXXX ( a ) ( XXXX ) - Allows for any action of damage. \n\n\n\n15 U.S.Code XXXX ( a ) ( XXXX ) ( A ) XXXX ( a ) ( XXXX ) ( A ) - XXXX dollars for each proceeding. To get a XXXX dollars per violation, you will use XXXX dollars as actual damage under 15 U.S.Code XXXX ( a ) ( XXXX ) 15 U.S.Code XXXX ( a ) ( XXXX ) ( B ) XXXX ( a ) ( XXXX ) ( B ) -If you win a civil suit and file a class action, you can obtain up to XXXX or 1 % of the company. \n\n\n\n15 U.S.Code XXXX ( d ) XXXX ( d ) - you can invoke your jurisdiction. And as the administrator, or judge, and the creditor under 1692c ( d ) and you can administer judgement as the administrator. You are the secured party right? \n\n\n\n15 U.S.Code 1681 ( b ) 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. \n\n\n\n15U.S.Code1681 ( a ) ( 4 ) 1681 ( a ) ( 4 ) - Consumers right to privacy Notice, I, the affiant, a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. \n\n\n\n15 U.S.Code 1681a ( f ) 1681a ( f ) - Consumer reporting agencies - Examples are Experian, XXXX, XXXX. However there are over 300+ agencies who collect, house , and sell your information. Any person who produces a consumer report would be a CRA. \n\n\n\n\n\n15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act 15 U.S.Code 1681a ( 2 ) ( B ) 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined, understand the Truth in Lending Act, this transaction must be excluded from your consumer report. \n\n\n\n15 U.S.Code 1681a ( e ) 1681a ( e ) - investigated reports must have sources of interviews of family and friends, and the results can not contain factual information.\n\n15 U.S.Code 1681a ( g ) 1681a ( g ) - The consumer File, includes the full file of a consumers collected information and the sources of that information. \n\n\n\n15 U.S.Code 1681a ( i ) ( 2 ) 1681a ( i ) ( 2 ) - medical information can not be included - age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. In other words not a single piece of medical information should be on your report 15 U.S.Code 1681a ( q ) ( 3 ) 1681a ( q ) ( 3 ) - Identity Theft definition, similar to REG V 12 CFR 1022.3 Notice, affiant is aware the term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.If you never expressed permissions, which means its written down, then it shouldnt be on your report 15 U.S.Code 1681b ( a ) ( 2 ) 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer Credit Reporting Agency ( CRA ) 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) 1681b ( c ) ( 1 ) ( A ) - This is an inquiry that gets reported onto your consumer report. Some times CRAs will try to say that1681b only refers to inquires, here is a snap back, you cant be afraid to fight back! \n\nNotice, affiant is aware, section 15 U.S.Code 1681b, permissible purposes does not only refer to inquires. Inquiries fall under only one subsection under the Fair Credit Reporting Act, Title 15 U.S.Code 1681 ( c ) ( 1 ) ( A ) and does not make up the entire section of 15 U.S.Code 1681b. The presumption which states 1681b only refers to inquires is false and misleading. \n\n\n\n15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries 15 U.S.Code 1681e ( a ) 1681e ( a ) - reasonable procedures must be maintained to avoid violations of 1681b and 1681c 15 U.S.Code 1681e ( b ) 1681e ( b ) - must maintain maximum possible accuracy. \n\n\n\n15 U.S.Code 1681g 1681g - Request for a full file disclosure and the sources of its Information 15 U.S.Code 1681g ( f ) ( 2 ) ( A ) ( i ) 1681g ( f ) ( 2 ) ( A ) ( i ) - Credit score is a risk score. \n\nNotice affiant is aware, a XXXXredit score is a risk score pursuant to 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ). Like other risk scores, a credit score is a calculated score that tells you how severe a risk is, based on several factors to predict the likelihood of certain credit behaviors such as default. \n\n\n\n15 U.S.Code 1681i ( 7 ) 1681i ( 7 ) - Method of Verification I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with must be removed 15 U.S.Code 1681i ( 6 ) ( A ) 1681i ( 6 ) ( A ) - failed demand to comply or failure to comply 15 U.S.Code 1681i ( 5 ) ( A ) ( i ) 1681i ( 5 ) ( A ) ( i )- If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted. \n\n\n\n15 U.S.Code 1681n ( a ) ( 1 ) ( A ) 1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$15.00} U.S.Code 1681n ( a ) ( 1 ) ( A ) 1681n ( a ) ( 1 ) ( A ) - Unauthorized Inquiries hold civil liability up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater. \n\n\n\n15 U.S. Code 1681o ( a ) ( 1 ) - For negligent noncompliance, or in other words, failure to comply even though they should have known they must comply, is equal to the sum of action damages.\n\nThe law is public information acting like they didnt know is no excuse to violate you or the law 15 U.S. Code 1681q 1681q - Any person which includes a consumer reporting agency who willfully and knowingly obtains INFORMATION on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18U.S.Code 3571 15 U.S.Code 1681s-2 ( 7 ) ( E ) 1681s-2 ( 7 ) ( A ) ( E ) - This is a snap back to a company who states they are required to report 100 % accurate information. They misconstrue the law to state they are required to report accurate information but this does not mean the must report negative information. This is not a requirement of the FCRA. This is false and misleading and a violation of 1681s-2 ( 7 ) ( E ) 15 U.S.Code 1602 ( e ) 1602 ( e ) The term person means a natural person or an organization. \n\nNotice, affiant is aware, a person as defined under the Truth in Lending Act as a natural person or an organization, and organization can be a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association as defined under the Truth in Lending Act, 15 U.S.Code 1602 ( e ) 15 U.S.Code 1602 ( f ) 15 USC 1602 ( f ) Notice, affiant is aware, the term credit means the right granted by I, the original creditor, to a debtor to defer payment of the debt or to incur debt or a loan from the US Treasury and defer its payment. \n\n\n\nThis makes { COMPANY NAME } a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to I, at the time of the transaction. I, the affiant, came to extend credit as shown in exhibit ( -- ) and not receive a loan from the U.S. treasury. The contract I received, as a result, was an unsolicited advertisement described in 48 U.S.C 227 ( a ) ( 5 ) by { COMPANY NAME } and lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by { COMPANY NAME }. \n\n\n\n15 U.S. Code 1602 ( g ) 1602 ( g ) The term creditor refers only to a person, natural person, who regularly extends credit and is the person to whom the debt arising from thus we created the debt, and the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or a contract. \n\n\n\n15 U.S.Code 1602 ( i ) 1602 ( i ) - a consumer in connection with a consumer credit transaction, refers to natural person who extends credit to obtain goods, money or services are primarily for personal, family, or household purposes. \n\n\n\n15 U.S.Code 1602 ( j ) 1602 ( j ) - A credit card from a bank such as XXXX are actually called open-ended consumer credit plans. Installment loans also fit under this category as well. \n\nin accordance with 15 U.S.Code 1602 ( j ) which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time. \n\n\n\n15 U.S.Code 1602 ( l ) 1602 ( l ) The term credit card means any card, which includes examples such as an EBT card or social security card, license plate, checkbook or remittance slip. \n\n\n\n\n\n15 U.S.Code 1602 ( p ) 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. \n\n\n\n15 U.S.Code 1602 ( v ) 1602 ( v ) - material disclosures require 8 different requirements and 9 disclosures are required if it is a mortgage contract. \n\nXXXX the annual percentage rate, XXXX the method of determining the finance charge XXXX the balance upon which a finance charge will be imposed, XXXX the amount of the finance charge, XXXX the amount to be financed, XXXX the total of payments, XXXX the number and amount of payments, XXXX the due dates or periods of payments scheduled to repay the indebtedness, XXXX disclosures required by section 1639 ( a ) of this title. ( Mortgage Disclosure ) Notice, affiant is aware, in accordance to the regulations of the Bureau, there are eight required material disclosures which should be clear and conscious, bolded with ten point font and sectioned off in boxes within each consumer credit contract ; nine material disclosures are required if it is a mortgage contract. As shown in EXHIBIT ( -- ), the contract provided did not meet the full criteria of the material disclosures in accordance with 15 U.S.Code 1602 ( v ) required by the Truth in Lending Act and is in violation of 15 U.S.Code 1602 ( v ). \n\n\n\n15 U.S.Code 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, ( b ) does not include charges of a type payable in a comparable cash transaction. \n\nthe finance charge includes any of the following types of charges which are applicable : ( XXXX ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. \n\n( XXXX ) Service or carrying charge. \n\n( XXXX ) Loan fee, finders fee, or similar charge. \n\n( XXXX ) Fee for an investigation or credit report. \n\n( XXXX ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or fees paid directly to the broker or the lender ( XXXX ) fees ( for delivery to the broker ) whether such fees are paid in cash or financed. \n\n( XXXX ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges ( XXXX ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property. Meaning all debts with a finance charge comes with insurance in case of default. \n\n\n\n15U.S.Code1605 ( a ) ( b ) 1605 ( a ) ( b ) - Insurance, interest, services, deliver fees, loan fees, broker fees, fee to cover defaults, are all included in the finance charge. \n\n\n\n15 U.S.Code 1605 ( a ) 1605 ( a ) No down payments or any cash in connection with a finance charge. \n\n\n\n15 U.S. Code 1611 ( 1 ) ; ( XXXX ) Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the under TILA and every \" regulation '' or consumer law after, and since TILA is the first law it's all of consumer credit protection, or ( XXXX ) if companies fails to comply with any requirement imposed under TILA shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. \n\n\n\n15 U.S. Code 1635 Revoking power of attorney. \n\nNotice, affiant is invoking it's right of rescission in accordance with 15 U.S.Code 1635 and UCC XXXX XXXX to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( s ) ; nunc pro tunc.! If you have one give them yours as well 15 U.S. Code 1635 - arbitration clause Notice, affiant is aware, upon discovery, this contract has been a one sided agreement which I was never disclosed the second signature by an authorized party, head of agency or registered agent .The appropriate \" meeting of the minds '' has never occurred in connection with this contract. Being the only party to sign this contract without full willful disclosure I invoke and reserve my right to revoke the arbitration clause in connection with this contract and for any transfer, trade, hypothecation, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me ; Nunc pro tunc. \n\n\n\n15 U.S. Code 1637 ( b ) ( 2 ) ( A ) 1637 ( b ) ( 2 ) ( A ) - Creditor must provide documentary evidence upon request to verify a billing error otherwise there is a violation of 15 U.S.Code 1666b Notice, affiant is aware, documentary evidence pursuant to 15 U.S.Code 44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( -- ). I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication XXXX. I am giving formal notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b 15 U.S.Code 1640 ( a ) 1640 ( a ) - For each violation of TILA is double the finance charge when it comes to consumer credit transactions. This doesn't mean if you find multiple TILA violations there is only double the finance charge one time. Each violation is double the finance charge. In a lease each violation is XXXX dollars. If there is no security interest its XXXX per violation or higher depending on a pattern of failures aka R.I.C.O. charges. \n\n\n\n15 U.S.Code 1640 ( B ) if there is a class action then the violation can be XXXX or 1 % of the net worth of the creditor. \n\n\n\n15 U.S.Code 1644 ( a ) 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, EBT card etc, can result up to a XXXX fine. \n\n\n\n15 U.S. Code 1662 ( b ) 1662 ( b ) - It is illegal to require any downpayment in connection with a consumer credit transaction 15 U.S.Code 1666 ( b ) ( 2 ) 1666 ( b ) ( 2 ) - Billing errors caused by not providing documentary evidence as defined as 15 U.S.Code 44. \n\n\n\n15 U.S. Code 1666a 1666a ( a ) Creditor can not report information to any third party if there is a billing error dispute until the dispute is over 15 U.S.Code 1666 ( e ) 1666 ( e ) - if the creditor does not provide all documentary evidence as defined under 15 U.S.Code 44 this will result in a billing error and the creditor forfeits all rights to collect on the amount the person has identified in dispute. If the person gets the final payout statement amount and states the amount is a billing error then the entire amount would not be able to be collected on. \n\n\n\n12 C.F.R. 1026.13 ( d ) ( 1 ) - enforcing the billing error, and restrictions from a company.\n\nNotice, affiant is aware, as the creditor may not collect any disputed amount, I the consumer and affiant, does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for the actual damage caused to I, the affiant, as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to require documentary evidence as requested to clarify and revolve the previously addressed billing error 15 U.S. Code 1666d 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and ledger entires of the account from the date of account opening as described in Publication IRS XXXX. \n\nMake sure to tell them if you want it in cash check or money order and where to send it too 15 U.S. Code 1691 1691 ( a ) ( 3 ) - it is unlawful to discriminate in any aspect against anyone who exercised their right in good faith. Credit is the right granted under title 1602 ( f ) ... ( think about it ) 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) - The right to opt out, the right to have the information clearly and conspicuously disclosed and consumers directing that information not to be disclosed and explanation to how to opt out of reporting. \n\n\n\n16 C.F.R. 433.1 ( d ) Purchase money loan NoticeI the affiant has reason to believe and do so believe a purchase money loan, cash advance was given as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it I, living name, agent for principal XXXX XXXX and affiant, I am a federally protected consumer, holder in due course, attorney in fact, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I I will autograph for my given name, XXXX XXXX and as the agent and administrator in fact. \n\n\n\nCongress finds there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. \n\nUpon review of my credit report, I have notice you are reporting several inaccurate information. You have a duty pursuant to the FCRA to report accurate and fair information. In accordance with the Fair Credit Reporting act company name, has violated my rights. I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. \n\n\n\nThe Consumer Credit Report, Pursuant to title 15 1681 ( a ) ( 2 ) exclusions ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late Payments Entries Identified On The Consumer Report Are A Violation Of My Rights As Consumer This includes charge offs and collections XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER XXXX DATE XX/XX/XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XX/XX/XXXX The following address needs to be removed immediately. \n\nXXXX 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 XXXX XXXX XXXXXXXX The following employer need to be immediately removed. \n\nXXXX. XXXXXXXX XXXX XXXX XXXX The following inquiries need to be immediately removed. \n\nXXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX. XXXX I believe these unauthorized inquiries violate the provisions outlined in Title 15 USC 1681, as I have not applied for credit or sought any services from the aforementioned creditors, and therefore, these inquiries are not valid or authorized. As a consumer, it is my right to have accurate and up-to-date information in my credit report, and unauthorized inquiries can negatively impact my creditworthiness and financial opportunities.","date_sent_to_company":"2024-05-14T17:13:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60510","tags":null,"has_narrative":true,"complaint_id":"9005208","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-14T17:13:33.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Installment loans also fit under this category as <em>well</em>."]},"sort":[4.0494437,"9005208"]},{"_index":"complaint-public-v1","_id":"9005209","_score":4.0492306,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"15 U.S.Code 1693 ( a ) ( 6 ) 1693a ( 6 ) - the term consumer means a natural person 15 U.S.Code 1692 ( a ) 1692 ( a ) - Consumer has a right to privacy.\n\n15 U.S.Code 1692a ( 4 ) 1692a ( 4 ) - creditor, [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment. \n\n\n\n15 U.S.Code 1692a ( 7 ) 1692a ( 7 ) - Location information includes telephone number, place of abode, place of employment. This is private remove it 15 U.S.Code 1692c ( c ) 15 USC 1692c ( c ) 1692c ( c ) Legal refusal to pay debt. Cease and Desist. \n\nOnly communication allowed is ; XXXX. Debt collector states all termination to collect are terminated ; XXXX. Allows consumer to invoke their status of creditor to receive their specified remedy ; XXXX. Allows for the notification of the intention to invoke specified remedy. XXXX. If the notice is delivered by mail the cease and desist is started upon the receipt of when the mail is sent. \n\n\n\n15 U.S.Code 1692c ( d ) 1692c ( d ) - Allows for the invoked status of administrator, executor, and as age or majority, parent can execute over the minor. The minor would be the corporation of your own birth certificate and opposing debt collector. This would also allow for your claim of stating the debt collector has no legal standing as they are in fact a minor in law. \n\n\n\n15 U.S.Code 1692e ( 2 ) 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt. - AKA if your amount is shown in the positive it is a false and misrepresentation. If the balance was owed in a bank account it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? \n\n\n\n15 U.S.Code 1692e ( 10 ) 1692e ( 10 ) - anything you deem false and deceptive with evidence.\n\n15 U.S.Code 1692e ( 12 ) 1692e ( 12 ) - the assignee clause which makes the 3rd party debt collector and the one who assigns the debt liable. \n\n\n\n15 U.S.Code 1692g ( b ) 1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation.\n\n15 U.S.Code 1692h 1692h Give me all of my COINS back.I want all of my money Notice, In accordance with 15 U.S.Code 1692h I, the consumer and affiant in fact, give, with my written instruction, direction for to redirect all prior payments, and all current payments to rectify the matters herein, to me 15 U.S.Code 1692j 1692j - False and deceptive forms. A form which is made to believe the debt has something to do with you or you are obligated and you are not, is false and deceptive. Fraud found in a form is a false and deceptive form and a violation of this act. For example if you go and get a car after a consumer credit transaction, you went for a car and gave credit. Companies are known to make whats called asset accounts. You never went to have an account made, this is a false and deceptive form because they never disclose this account being made. This includes statements which falsely accuses you of owing a debt. The delivery of these forms via mail constitutes mail fraud. However this subsection would not be used from inception of a contract, only after when an alleged debt is in the process of being collected and there is fraud found. \n\n\n\n15 U.S.Code XXXX ( a ) ( XXXX ) XXXX ( a ) ( XXXX ) - Allows for any action of damage. \n\n\n\n15 U.S.Code XXXX ( a ) ( XXXX ) ( A ) XXXX ( a ) ( XXXX ) ( A ) - XXXX dollars for each proceeding. To get a XXXX dollars per violation, you will use XXXX dollars as actual damage under 15 U.S.Code XXXX ( a ) ( XXXX ) XXXX U.S.Code XXXX ( a ) ( XXXX ) ( B ) XXXX ( a ) ( XXXX ) ( B ) -If you win a civil suit and file a class action, you can obtain up to XXXX or 1 % of the company. \n\n\n\n15 U.S.Code XXXX ( d ) XXXX ( d ) - you can invoke your jurisdiction. And as the administrator, or judge, and the creditor under 1692c ( d ) and you can administer judgement as the administrator. You are the secured party right? \n\n\n\n15 U.S.Code 1681 ( b ) 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. \n\n\n\n15U.S.Code1681 ( a ) ( 4 ) 1681 ( a ) ( 4 ) - Consumers right to privacy Notice, I, the affiant, a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. \n\n\n\n15 U.S.Code 1681a ( f ) 1681a ( f ) - Consumer reporting agencies - Examples are XXXX, XXXX, Equifax. However there are over 300+ agencies who collect, house , and sell your information. Any person who produces a consumer report would be a CRA. \n\n\n\n\n\n15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act 15 U.S.Code 1681a ( 2 ) ( B ) 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined, understand the Truth in Lending Act, this transaction must be excluded from your consumer report. \n\n\n\n15 U.S.Code 1681a ( e ) 1681a ( e ) - investigated reports must have sources of interviews of family and friends, and the results can not contain factual information.\n\n15 U.S.Code 1681a ( g ) 1681a ( g ) - The consumer File, includes the full file of a consumers collected information and the sources of that information. \n\n\n\n15 U.S.Code 1681a ( i ) ( 2 ) 1681a ( i ) ( 2 ) - medical information can not be included - age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. In other words not a single piece of medical information should be on your report 15 U.S.Code 1681a ( q ) ( 3 ) 1681a ( q ) ( 3 ) - Identity Theft definition, similar to REG V 12 CFR 1022.3 Notice, affiant is aware the term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.If you never expressed permissions, which means its written down, then it shouldnt be on your report 15 U.S.Code 1681b ( a ) ( 2 ) 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer Credit Reporting Agency ( CRA ) 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) 1681b ( c ) ( 1 ) ( A ) - This is an inquiry that gets reported onto your consumer report. Some times CRAs will try to say that1681b only refers to inquires, here is a snap back, you cant be afraid to fight back! \n\nNotice, affiant is aware, section 15 U.S.Code 1681b, permissible purposes does not only refer to inquires. Inquiries fall under only one subsection under the Fair Credit Reporting Act, Title 15 U.S.Code 1681 ( c ) ( 1 ) ( A ) and does not make up the entire section of 15 U.S.Code 1681b. The presumption which states 1681b only refers to inquires is false and misleading.\n\n15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries 15 U.S.Code 1681e ( a ) 1681e ( a ) - reasonable procedures must be maintained to avoid violations of 1681b and 1681c 15 U.S.Code 1681e ( b ) 1681e ( b ) - must maintain maximum possible accuracy. \n\n\n\n15 U.S.Code 1681g 1681g - Request for a full file disclosure and the sources of its Information 15 U.S.Code 1681g ( f ) ( 2 ) ( A ) ( i ) 1681g ( f ) ( 2 ) ( A ) ( i ) - Credit score is a risk score.\n\nNotice affiant is aware, a credit score is a risk score pursuant to 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ). Like other risk scores, a credit score is a calculated score that tells you how severe a risk is, based on several factors to predict the likelihood of certain credit behaviors such as default.\n\n15 U.S.Code 1681i ( 7 ) 1681i ( 7 ) - Method of Verification I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with must be removed 15 U.S.Code 1681i ( 6 ) ( A ) 1681i ( 6 ) ( A ) - failed demand to comply or failure to comply 15 U.S.Code 1681i ( 5 ) ( A ) ( i ) 1681i ( 5 ) ( A ) ( i )- If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted. \n\n\n\n15 U.S.Code 1681n ( a ) ( 1 ) ( A ) 1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$15.00} U.S.Code 1681n ( a ) ( 1 ) ( A ) 1681n ( a ) ( 1 ) ( A ) - Unauthorized Inquiries hold civil liability up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater. \n\n\n\n15 U.S. Code 1681o ( a ) ( 1 ) - For negligent noncompliance, or in other words, failure to comply even though they should have known they must comply, is equal to the sum of action damages.\n\nThe law is public information acting like they didnt know is no excuse to violate you or the law 15 U.S. Code 1681q 1681q - Any person which includes a consumer reporting agency who willfully and knowingly obtains INFORMATION on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18U.S.Code 3571 15 U.S.Code 1681s-2 ( 7 ) ( E ) 1681s-2 ( 7 ) ( A ) ( E ) - This is a snap back to a company who states they are required to report 100 % accurate information. They misconstrue the law to state they are required to report accurate information but this does not mean the must report negative information. This is not a requirement of the FCRA. This is false and misleading and a violation of 1681s-2 ( 7 ) ( E ) 15 U.S.Code 1602 ( e ) 1602 ( e ) The term person means a natural person or an organization.\n\nNotice, affiant is aware, a person as defined under the Truth in Lending Act as a natural person or an organization, and organization can be a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association as defined under the Truth in Lending Act, 15 U.S.Code 1602 ( e ) 15 U.S.Code 1602 ( f ) 15 USC 1602 ( f ) Notice, affiant is aware, the term credit means the right granted by I, the original creditor, to a debtor to defer payment of the debt or to incur debt or a loan from the US Treasury and defer its payment.\n\nThis makes { COMPANY NAME } a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to I, at the time of the transaction. I, the affiant, came to extend credit as shown in exhibit ( -- ) and not receive a loan from the U.S. treasury. The contract I received, as a result, was an unsolicited advertisement described in 48 U.S.C 227 ( a ) ( 5 ) by { COMPANY NAME } and lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by { COMPANY NAME }. \n\n\n\n15 U.S. Code 1602 ( g ) 1602 ( g ) The term creditor refers only to a person, natural person, who regularly extends credit and is the person to whom the debt arising from thus we created the debt, and the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or a contract. \n\n\n\n15 U.S.Code 1602 ( i ) 1602 ( i ) - a consumer in connection with a consumer credit transaction, refers to natural person who extends credit to obtain goods, money or services are primarily for personal, family, or household purposes. \n\n\n\n15 U.S.Code 1602 ( j ) 1602 ( j ) - A credit card from a bank such as XXXX are actually called open-ended consumer credit plans. Installment loans also fit under this category as well. \n\nin accordance with 15 U.S.Code 1602 ( j ) which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time. \n\n\n\n15 U.S.Code 1602 ( l ) 1602 ( l ) The term credit card means any card, which includes examples such as an EBT card or social security card, license plate, checkbook or remittance slip. \n\n\n\n\n\n15 U.S.Code 1602 ( p ) 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. \n\n\n\n15 U.S.Code 1602 ( v ) 1602 ( v ) - material disclosures require 8 different requirements and 9 disclosures are required if it is a mortgage contract. \n\nXXXX the annual percentage rate, XXXX the method of determining the finance charge XXXX the balance upon which a finance charge will be imposed, XXXX the amount of the finance charge, XXXX the amount to be financed, XXXX the total of payments, XXXX the number and amount of payments, XXXX the due dates or periods of payments scheduled to repay the indebtedness, XXXX disclosures required by section XXXX ( a ) of this title. ( Mortgage Disclosure ) Notice, affiant is aware, in accordance to the regulations of the Bureau, there are eight required material disclosures which should be clear and conscious, bolded with ten point font and sectioned off in boxes within each consumer credit contract ; nine material disclosures are required if it is a mortgage contract. As shown in EXHIBIT ( -- ), the contract provided did not meet the full criteria of the material disclosures in accordance with 15 U.S.Code 1602 ( v ) required by the Truth in Lending Act and is in violation of 15 U.S.Code 1602 ( v ). \n\n\n\n15 U.S.Code 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, ( b ) does not include charges of a type payable in a comparable cash transaction. \n\nthe finance charge includes any of the following types of charges which are applicable : ( XXXX ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. \n\n( XXXX ) Service or carrying charge. \n\n( XXXX ) Loan fee, finders fee, or similar charge. \n\n( XXXX ) Fee for an investigation or credit report. \n\n( XXXX ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or fees paid directly to the broker or the lender ( XXXX ) fees ( for delivery to the broker ) whether such fees are paid in cash or financed. \n\n( XXXX ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges ( XXXX ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property. Meaning all debts with a finance charge comes with insurance in case of default. \n\n\n\n15U.S.Code1605 ( a ) ( b ) 1605 ( a ) ( b ) - Insurance, interest, services, deliver fees, loan fees, broker fees, fee to cover defaults, are all included in the finance charge. \n\n\n\n15 U.S.Code 1605 ( a ) 1605 ( a ) No down payments or any cash in connection with a finance charge. \n\n\n\n15 U.S. Code 1611 ( 1 ) ; ( 3 ) Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the under TILA and every \" regulation '' or consumer law after, and since TILA is the first law it's all of consumer credit protection, or ( XXXX ) if companies fails to comply with any requirement imposed under TILA shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. \n\n\n\n15 U.S. Code 1635 Revoking power of attorney. \n\nNotice, affiant is invoking it's right of rescission in accordance with 15 U.S.Code 1635 and UCC XXXX XXXX to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( XXXX ) ; nunc pro tunc.! If you have one give them yours as well 15 U.S. Code 1635 - arbitration clause Notice, affiant is aware, upon discovery, this contract has been a one sided agreement which I was never disclosed the second signature by an authorized party, head of agency or registered agent .The appropriate \" meeting of the minds '' has never occurred in connection with this contract. Being the only party to sign this contract without full willful disclosure I invoke and reserve my right to revoke the arbitration clause in connection with this contract and for any transfer, trade, hypothecation, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me ; Nunc pro tunc. \n\n\n\n15 U.S. Code 1637 ( b ) ( 2 ) ( A ) 1637 ( b ) ( 2 ) ( A ) - Creditor must provide documentary evidence upon request to verify a billing error otherwise there is a violation of 15 U.S.Code 1666b Notice, affiant is aware, documentary evidence pursuant to 15 U.S.Code 44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( -- ). I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication XXXX. I am giving formal notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b 15 U.S.Code 1640 ( a ) 1640 ( a ) - For each violation of TILA is double the finance charge when it comes to consumer credit transactions. This doesn't mean if you find multiple TILA violations there is only double the finance charge one time. Each violation is double the finance charge. In a lease each violation is XXXX dollars. If there is no security interest its XXXX per violation or higher depending on a pattern of failures aka R.I.C.O. charges. \n\n\n\n15 U.S.Code 1640 ( B ) if there is a class action then the violation can be XXXX or 1 % of the net worth of the creditor. \n\n\n\n15 U.S.Code 1644 ( a ) 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, EBT card etc, can result up to a XXXX fine. \n\n\n\n15 U.S. Code 1662 ( b ) 1662 ( b ) - It is illegal to require any downpayment in connection with a consumer credit transaction 15 U.S.Code 1666 ( b ) ( 2 ) 1666 ( b ) ( 2 ) - Billing errors caused by not providing documentary evidence as defined as 15 U.S.Code 44. \n\n\n\n15 U.S. Code 1666a 1666a ( a ) Creditor can not report information to any third party if there is a billing error dispute until the dispute is over 15 U.S.Code 1666 ( e ) 1666 ( e ) - if the creditor does not provide all documentary evidence as defined under 15 U.S.Code 44 this will result in a billing error and the creditor forfeits all rights to collect on the amount the person has identified in dispute. If the person gets the final payout statement amount and states the amount is a billing error then the entire amount would not be able to be collected on. \n\n\n\n12 C.F.R. 1026.13 ( d ) ( 1 ) - enforcing the billing error, and restrictions from a company.\n\nNotice, affiant is aware, as the creditor may not collect any disputed amount, I the consumer and affiant, does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for the actual damage caused to I, the affiant, as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to require documentary evidence as requested to clarify and revolve the previously addressed billing error 15 U.S. Code 1666d 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and ledger entires of the account from the date of account opening as described in Publication IRS 583. \n\nMake sure to tell them if you want it in cash check or money order and where to send it too 15 U.S. Code 1691 1691 ( a ) ( 3 ) - it is unlawful to discriminate in any aspect against anyone who exercised their right in good faith. Credit is the right granted under title 1602 ( f ) ... ( think about it ) 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) - The right to opt out, the right to have the information clearly and conspicuously disclosed and consumers directing that information not to be disclosed and explanation to how to opt out of reporting. \n\n\n\n16 C.F.R. 433.1 ( d ) Purchase money loan NoticeI the affiant has reason to believe and do so believe a purchase money loan, cash advance was given as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it I, living name, agent for principal XXXX XXXX and affiant, I am a federally protected consumer, holder in due course, attorney in fact, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I I will autograph for my given name, XXXX XXXX and as the agent and administrator in fact. \n\n\n\nCongress finds there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. \n\nUpon review of my credit report, I have notice you are reporting several inaccurate information. You have a duty pursuant to the FCRA to report accurate and fair information. In accordance with the Fair Credit Reporting act company name, has violated my rights. I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. \n\n\n\nThe Consumer Credit Report, Pursuant to title 15 1681 ( a ) ( 2 ) exclusions ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late Payments Entries Identified On The Consumer Report Are A Violation Of My Rights As Consumer This includes charge offs and collections XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER XXXX DATE XX/XX/XXXX XXXXXXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XX/XX/XXXX The following address needs to be removed immediately. \n\nXXXX 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 XXXX XXXX XXXXXXXX The following employer need to be immediately removed. \n\nXXXX. XXXXXXXX XXXX XXXX XXXX The following inquiries need to be immediately removed. \n\nXXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX I believe these unauthorized inquiries violate the provisions outlined in Title 15 USC 1681, as I have not applied for credit or sought any services from the aforementioned creditors, and therefore, these inquiries are not valid or authorized. As a consumer, it is my right to have accurate and up-to-date information in my credit report, and unauthorized inquiries can negatively impact my creditworthiness and financial opportunities.","date_sent_to_company":"2024-05-14T17:13:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60510","tags":null,"has_narrative":true,"complaint_id":"9005209","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-14T17:13:33.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Installment loans also fit under this category as <em>well</em>."]},"sort":[4.0492306,"9005209"]},{"_index":"complaint-public-v1","_id":"5970501","_score":3.2366543,"_source":{"product":"Checking or savings account","complaint_what_happened":"PLEASE NOTE : THE ENTIRE INCIDENT IS ALSO UPLOADED AS A XXXX \n\nCOMPLAINT AGAINST CitiBank and CLAIM Complaint lodged by me, XXXX on whom the theft/fraud was perpetrated against Citibank. The account that was affected was a joint account with my mother XXXX. The Citibank letter of denial of the claim is addressed to my mother, XXXX since she is also on the account. My mother is also helping me fight this case as this has caused me physical and mental stress. Enclosed is the fraud check and one of the many Citibank denial letters of the two claims submitted by XXXX to Citibank. \n\nThe complaints against Citibank are summarized below : XXXX. Citibanks failure to provide security within its bank premises at XXXX XXXX XXXX, XXXX, NY XXXX ( this incident was caught on tape which is now with the Bank and they will not provide that evidence to me but the police have requested it ). \nXXXX. Citibanks ATM machines failure to detect an obviously fraud check : a copy of the check that subsequently bounced is enclosed here and the check was forcibly deposited by the fraudster into my account. The check is part of the ATM receipt since the check was deposited via the ATM. Further, due to another glitch in the ATM, the total money in the check was immediately available in my account. This fatal flaw in the ATM caused a total loss of {$6500.00} from my account. The check was a fraudit had no bank name, account number or routing number. The name on the check is someone totally different from that of the account holder, i.e., XXXX. AND, without following any normal practice, the full amount of {$8000.00} was immediately available in XXXX account. \nXXXX. Citibanks refusal to my claims. We ( my mother and I ) have appealed the case three times and each time it is close to 40 minutes of narrating the incident from the beginning for Citibank which then ended with the denial the claim each time with no detailed explanation on how they came to this decision. A recent denial of my claims from Citibank is enclosed here. Repeated requests to Citibank to appraise us of what information was used to come to this decision was ignored. Their own letter ( enclosed ) states the law entitles me to obtain copies of the information used in our investigation. \nXXXX. Citibanks negligence in not reporting the crime to the local police : When I reported the incident to the police who are investigating what they termed as Grand Larceny, the detective said that it was highly improper that the bank manager did not report the incident immediately to the police. \n\nCLAIM : Citibank to refund the total of {$6500.00} that was stolen from my account. \n\nA COMPLETE DESCRIPTION OF THE FRAUD INCIDENT AND TIMELINE : Cases XXXX and XXXX My name is XXXX I am a XXXX  at XXXX University and have an account in Citibank ( XXXX ) XXXX A fraud was perpetrated on XXXX within the premises of Citibank. The section titled Statement gives the full account of this incident. The contents of the Statement was given first orally to XXXX ( Manager ) at the Citibank location at XXXX XXXX XXXX, XXXX, NY XXXX, and then subsequently ( again orally three times now ) to the Dispute Department, Citibank ( Case Reports : XXXX and XXXX ) and finally as a written report, Statement to the Police ( XXXX, XXXX XXXX XXXX branch : Complaint Report Number : XXXX, Reported to : XXXX XXXX XXXX. XXXX XXXX : XXXX ). XXXX went to the police station in late XXXX to identify the perpetrator from mug photographs the detective showed her but it was hard to make an identification since the perpetrator was wearing a mask and a hat. During this trip to the police station, Police informed XXXX that there are other incidents similar to her that occurred in the neighborhood. \n\nBelow is the copy of the Statement given to the police ; note they were orally given to Citibank four times. After the Statement, there is a detailed timeline of events involving Citibank and Police. \n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dated : XX/XX/2022 STATEMENT ( Date the statement was given to the police is given above ). \n\nAt approximately XXXX XXXX on XX/XX/2022 I entered the Citibank branch at XXXX XXXX XXXX and proceeded toward an ATM to withdraw some cash. A large man opened the door for me and followed me into the bank. As I was operating the ATM, the large man came very close to me at the ATM. He started by asking for what appeared to be change for {$60.00} or so that he was waving in front of me. I felt intimidated and confused. I am XXXX XXXX  tall and this man was over XXXX XXXX. I shook my head but he came closer to me, now waving a check around in addition to the {$60.00}. I was scared. I had never been approached this way inside the bank. At this point, I had already inserted my Citibank Debit Card into the ATM and the screen was showing the options I had. He suddenly said that he needed to deposit the check and could not use his own account since it was overdrawn. He reached over me to the ATM, told me not to panic, and placed his hand on my shoulder. He started selecting the option of deposit on the ATM and before I could say anything, he deposited the check, which was for {$8000.00}. I froze in shock. Before this deposit, I had {$1300.00} in my account and I saw that the amount went up to {$9500.00} after he deposited the check. My only thought was that I had to get this money out of my account. Im a XXXX XXXX and I had never had this much money in my account before. I didnt want this money in my account and the man then told me I needed to withdraw the money to give to him immediately. \n\nI was terrified. He told me again not to panic and then told me he could take a walk with me outside the bank if I was uncomfortable inside the bank. I was so scared because I live right XXXX XXXXXXXX XXXX from the Citibank location and I thought he might follow me home. He asked me repeatedly to withdraw the money. The maximum I could withdraw in cash was {$1500.00}. He took that money in cash from the ATM. He kept telling me to calm down and repeatedly put his hand on my shoulder and arm. I was terrified, confused and intimidated by the man and could not think straight or run or scream for help. He asked me to XXXX the remaining {$5000.00} to his account. The name on the XXXX account was XXXX XXXX. Again he put his hand on my shoulder and I was terrified of him, so I sent him the money. The XXXX transaction went through. The man kept talking to somebody on the phonehe appeared to be communicating with someone who was sitting in a car outside. I was so scaredagain, I live right XXXX XXXX XXXX from this bank. I thought that this man and his friend could follow me back to my apartment if I didnt give him the money he deposited. I just wanted to be rid of the money deposited in my account from his check and get away from the man. At this point, I took a hold of myself and realized I needed to get away from this man. The man was lurking around but I walked over to the teller and told her the entire episode. By this time, the man had taken off. The teller confirmed my worst fears and said it was a scam. She then took me to meet her manager, who launched a fraud investigation. \n\nTwo days later ( XX/XX/XXXX ) I went to the police station at XXXX XXXX XXXX. The woman at the front told me to wait until the check bounced, and then come back to report the incident. Three days after that, ( XX/XX/XXXX ), the check bounced, and I immediately went back to the station. I tried to file a police report, but an officer there told me to come back with a signed affidavit from Citibank. I tried to obtain an affidavit from Citibank for three weeks, by emailing the manager I spoke to and calling Citibank, but everyone I spoke to was unable to send me an affidavit. In the meantime, I obtained proof of the fraudulent check with a letter from Citibank, which Ive enclosed here. Citibank is currently still investigating the incident, but I was advised by their disputes department to file a police report. \n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TIMELINES We gave Citibank a written report for the two cases ( XXXX and XXXX ) under investigation by the Dispute Department, Citibank to ensure an accurate report in its entirety is available to the investigating tea We emphasize that the reason for the written report is that the first time the case was reported by the Manager of Citibank after the entire incident was narrated by XXXX to him as : A man followed the client into the bank. XXXX case was denied since the case report ( as reported by the Manager or his representative ) lacked all the essential and critical parts. Further, the original case report was only made for the {$5000.00} XXXX transaction and did not include the {$1500.00} ATM cash withdrawal ; note : the two are part of the same incident. \nWe have now talked to the Dispute Specialist and reported orally over the phone the entire incident that is given in the Statement above. However, we have no way of knowing if the agent captured the entire incident as reported orally by XXXX and if the agent has filed the case with the relevant information as the first time around the Bank Manager ( or whoever did the case filing ) failed to do so. \nCitibank has ignored our email and/or our request to provide us with the information they used to come to the decision to deny our claims repeatedly. \n\nCitibank XX/XX/2022 : XXXXXXXX XXXX incident reported in the Statement occurred. \nXX/XX/2022 : XXXXXXXX XXXX XXXX account holder ( account number : xxxxxxxxx ) and debit card owner ( last XXXX of debit card : XXXX ) on who the crime was perpetrated, reported the incident to the teller and bank manager, XXXX The account was placed on hold and the debit card can not be used. \nXX/XX/2022 : XXXX pm : Bank Manager tried to stop the XXXX transaction. XXXX provided a complete oral description to the Manager ( this description is the Statemen above ). Manager secured the video camera that captured the incident and the Manager identified XXXX and the perpetrator on the video camera images. This is footage relevant to the incident. \nXX/XX/2022 : XXXX gets a letter posted on her account stating that the case was under investigation ( no particulars of the case was given ) XX/XX/2022 : XXXX hands one of the bank tellers a written description of the incident similar to Statement above ; the manager was in a meeting and the teller told XXXX that it would be passed on to the manager. \nXX/XX/2022 : Check deposited by the fraud perpetrator bounced and XXXX was informed via a letter posted to her account. Citibank clearly has access to the bounced check-. \nXX/XX/2022 : Citibank sends a letter posted to XXXX account that tentatively, awaiting full investigation, she can access the {$5000.00}. Please note account is still on hold. \nXX/XX/2022 : Citibank sends a letter posted to her account that her {$5000.00} case has been denied. \nXX/XX/2022 : Horrified by this terrible denial and travesty of justice from Citibank, we ( XXXX and her mother were on a joint call to Citibank ) call the dispute department of Citibankhere is another terrible fact : since the account is on hold and debit card is invalid, there is no way to contact Citibank through any of the phone numbers. XXXX mother, joint account holder on said account on hold had to access a service agent through her own debit card On talking with the dispute specialist, we found out that the entire incident ( Statement above ) had been summarized ( not sure who actually filed the case : Manager or one of his deputies ) as : A man followed the client into the bank. This did not capture any detail of the actual incident and XXXX was denied the {$5000.00}. \nThe dispute specialist took over the phone ( conference call ) the details of the entire incident. She was extremely competent and sympathized with us. However, we have no way of finding out how much of the incident was actually reported as part of the two cases ( XXXX and XXXX ). We want to make sure that the appeal for the {$5000.00} and the new case report for {$1500.00} is investigated with this, the written ( Statement ). Further, we would like to submit that the XXXX  at the Citibank location at XXXX XXXX XXXX, XXXX, NY XXXX had the video camera that captured the entire event and had identified on those images, both XXXX and the fraud perpetrator. \nXX/XX/2022 : Citibank sends a letter saying that the case involving the withdrawal of {$1500.00} is denied and the transaction is considered legitimate. The reasons given are that the withdrawal was made with the debit card and PIN number, and that the activity appears to be consistent with your normal banking activities. On the first point, XXXX entered her PIN number under duress. The transaction can not be considered legitimate if she was in fear for her life while at the ATM. Secondly, the activity is NOT consistent with XXXX  normal banking activities. Before this, she had never withdrawn this large a sum of money in cash. This was the first withdrawal of its kind in XXXX account. We will appeal this decision. \nXX/XX/2022 : Two further appeals for the {$5000.00} and for {$1500.00} were repeatedly denied by Citibank. They would not acknowledge the receipt of the email that detailed the fraud perpetrated on XXXX or give us what information they used to deny our claims. \n\nXXXX Police Station : XX/XX/2022 : XXXX went to report the fraud perpetrated on her on XX/XX/2022 on Citibank premises at the XXXX Police Station ( XXXX XXXX XXXX branch ). Police would not take her report since at this time, the check deposited by the perpetrator had not bounced XX/XX/2022 : XXXX went back to the police station ( XXXX XXXX XXXX branch ) once the check bounced ; this time the police wanted a signed affidavit of the investigation that was being conducted by Citibank. XXXX tried 3 weeks with Citibank ( at the branch and over email ) to get a signed affidavit but with no luck. \nXX/XX/2022 XXXX XXXX then went back to the police station with her boyfriend and the police took her report ( XXXX above ). Please note that the police are taking this report very seriously and called it investigation of grand larceny. \nXXXX : Police detective showed XXXX mug shots of several suspects. It was hard for XXXX to identify as suspect at the time of the incident was wearing a mask and a hat. Police mentioned that bank manager was amiss in not reporting the incident to the police station. \n\nAt this point, we would like Citibank to consider all the evidence ( below ) and refund the {$6500.00} stolen from XXXX account. \nXXXX ) The accurate and entire ( Statement ) presented here 2 ) video footage that the Manager had retrieved at the bank when the incident was initially reported. \nXXXX ) details of the fraudulent and bounced check that is available to Citibank XXXX ) name associated with the XXXX account that XXXX transferred {$5000.00} to is provided in the Statement above We would like to highlight a huge fatal flaw in the Citibank ATM systemwhen the perpetrator deposited the check of {$8000.00} using XXXX account at the ATM, a clearly fraudulent check ( See enclosed ) was accepted and credited to XXXX account. The bank account showed on the ATM display that this {$8000.00} was immediately available. How is this even possible? the check was not made to XXXX and this check would not have been accepted by a teller ( wrong name, no bank number or account number ). Further, if the check was processed by the teller, funds would not be immediately available but will only be so after the check clears. The perpetrator knew this glitch existed and used it to his advantage to defraud CS : BECAUSE OF THIS GLITCH IN THE CITIBANK ATM, XXXX LOST A TOTAL OF {$6500.00}. Citibank has to take responsibility for this glitch in their ATM system. XXXX  is a XXXX XXXX XXXX  struggling to make ends meet and was defrauded on Citibank premises. The initial case was filed by a Citibank employee with insufficient, inaccurate, and incomplete information causing the bank to deny my claim. We strongly request that Citibank conducts the investigation of cases XXXX and XXXX with all the evidence including this written statement ( above ), the video footage recovered at the bank, and the fraudulent check. \n\nIn summary, I, XXXX am requesting that Citibank refund the {$6500.00} that was stolen from my account. Citibank has displayed a cavalier attitude and refused to acknowledge, let alone consider the evidence presented to them. They have caused emotional, physical, mental and financial stress while they remain a faceless corporate entity, uncaring about a XXXX XXXX who was robbed on XXXX premises, an event captured on video footage. One last point, my account only had {$1300.00} before this incident, the fraud check took it to {$9300.00} allowing {$6500.00} to be given to the fraudster. Once the check bounced, this left the balance at a deficit of {$5200.00}. Now Citibank is harassing us for this amount, threatening taking us to a Collection Agency and has frozen the account. \n\nWhile it is terrifying to know that perpetrator is still out there trying to rob his fellow citizens ( mainly due to inaction on Citibanks part ), it is ultimately more terrifying that Citibank, a huge, billion-dollar corporation, is abetting the fraud by refusing to acknowledge the incident as well as, very importantly, NOT fixing the fatal flaw in the ATM that the perpetrator exploited, thus allowing such scams to continue. Citibanks is by far the bigger crime.","date_sent_to_company":"2022-09-12T01:16:11.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11205","tags":null,"has_narrative":true,"complaint_id":"5970501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-09-12T00:46:13.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["He <em>started</em> by asking for what appeared to be change for {$60.00} or so that he was waving in front of me. I felt intimidated and confused. I am XXXX XXXX  tall and this man was over XXXX XXXX. I shook my <em>head</em> but he came closer to me, now waving a check around in addition to the {$60.00}. I was scared. I had never been approached this way inside the bank. 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