{"took":135,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":10,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2672445","_score":17.908735,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax had a massive data breach affecting 140M+ Americans on XXXX XXXX. Not only did they take over a month to alert the public, but executives were in the news for having sold their stock the day before the announcement. They demonstrated a reckless disregard for information security and their customers* ( *Nobody has any choice about what data they gather or store, as it is basically impossible to function in modern society without credit ). \n\nIt has also been reported that there 1 free year of credit protection they are offering to Americans who may have been affected includes a clause that waives your right to join a class action lawsuit. Americans should not have to pay to freeze their credit, especially given the potentially catastrophic impact this breach could have on an individual 's finances. Also, credit reporting firms ( XXXX and XXXX included ) should not be exploiting this breach to market their credit protection services. \n\nXXXX XXXX XXXX","date_sent_to_company":"2017-09-13T20:11:43.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"98107","tags":null,"has_narrative":true,"complaint_id":"2672445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-13T19:48:35.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["They demonstrated a reckless disregard for information <em>security</em> and their <em>customers</em>* ( *<em>Nobody</em> has any <em>choice</em> about what data they gather or store, as it is basically impossible to function in modern society without credit ). \n\nIt has also been reported that there 1 free year of credit protection they are offering to Americans who may have been affected includes a clause that waives your right to join a class action lawsuit."]},"sort":[17.908735,"2672445"]},{"_index":"complaint-public-v1","_id":"4513009","_score":13.207764,"_source":{"product":"Debt collection","complaint_what_happened":"I am a customer of U.S Bank I recently gained a substantial amount of money from trading stocks on XXXX after I made some winnings I transferred XXXX back to my U.S bank account on XX/XX/2021. I noticed a few days later that my XXXX account was warning me that my password was leaked. I then went on to my U.S Bank account and saw the same notification and when I looked at my balance all my money had been taken, I then went to my settings and got a notification that all my bank passwords had been stolen and that my accounts where involved in a data leak. I reported to XXXX and told them I have proof of a data leak and when I explained the situation to them they helped me get all my money back I also contacted U.S Bank i tryd explaining to them but they didnt seem to care to much about the details they give me provisional credit in the same amount that I had lost but I asked myself shouldnt they be concerned about why this was happening but they just shrugged me off as if I was a pest as if they just wanted to end the phone call, by the time I got the credit it was soon taken again leaving me with a bill of over XXXX XXXX dollars. They denied my claims and said I was irresponsible with my passwords even though I have evidence that there was a data leak on there end I should not be held responsible for there poor security system. Ive been getting harassed by U.S Bank constantly by there employees with harsh language and terms like nobodys going to believe someone like you I asked what that meant but they declined to answer, the worker continued to verbally attack me by saying you owe this and you have no choice but to pay without listening to a single thing I had to say. I just feel like this company is really abusive to there customers and they need to be held responsible. I would never be treated this way if my name was American or if my skin wasnt XXXX this has been one of the worst experiences of my life, I had no issues getting help from XXXX because they respect there customers enough not to harass and assume certain people are at fault because they look a certain way I love XXXX and how they treat everyone with dignity, I will inform all my friends and family about the way Im being treated by US Bank if this disrespect continues US Bank is a organization that has no respect for its customers especially if they are XXXX!!!","date_sent_to_company":"2021-07-02T08:27:37.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"55106","tags":null,"has_narrative":true,"complaint_id":"4513009","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2021-07-02T07:26:36.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Ive been getting harassed by U.S Bank constantly by there employees with harsh language and terms like <em>nobodys</em> going to believe someone like you I asked what that meant but they declined to answer, the worker continued to verbally attack me by saying you owe this and you have no <em>choice</em> but to pay without listening to a single thing I had to say. I just feel like this company is really abusive to there <em>customers</em> and they need to be held responsible."]},"sort":[13.207764,"4513009"]},{"_index":"complaint-public-v1","_id":"6157288","_score":11.125717,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XXXX XXXX, I received a text message from what I thought was my bank, Citibank, saying : [ CITI-ALERT ] : We blocked your debit due to unusual activity. Verify now to gain access XXXX XXXX XXXX The # used for the text is ( XXXX ) XXXX XXXX ( a Florida # ) I believed it was legit because Citibank has centers all over the US. \nI logged in with my computer and was sent to what seemed to be a very legitimate looking Citibank site, where I was asked to enter my banking details. I became suspicious when the site asked me to enter more details on a second page and logged out. Unfortunately, it was too late and they had sufficient material to hack and empty my bank account When I logged out, I called immediately the # I have for Citibank Business Accounts and was told that, being a Sunday, I had to call the next day during business hours. \nThe next day, Monday XXXX I got a text from my cell phone provider congratulating me on my new phoneI realized that something was wrong and took the appropriate steps to secure my phone #. I then checked my bank account and saw that there was a XXXX transfer of {$950.00} and a wire transfer of {$31000.00}. I called again the Citi Business Accounts # and was told that being a wire transfer, I had to call Citi Wire Specialty Services ( CWSS ). I did and got a recording that they were open only M-F XXXX XXXX XXXX XXXX XXXX ( I believe ). It was too late... \nI called at XXXX ( XXXX XXXX ) Tuesday XXXX to insure I would be first in line when they open and after a long wait ( already at XXXX! ) was finally able to talk to someone who referred me to a supervisor ( after another long wait ) who was able to hear me and take my case ( case # CIT XXXX XXXX XXXX ) The supervisor at CWSS was able to tell me that the wire transfer went to a XXXX bank account with the XXXX XXXX XXXX, to a person named XXXX XXXX XXXX XXXX # XXXX '' ( per my bank statement ) She also told me to file a complaint with OC3 and my local law enforcement and to call her back with the case # XXXX. \nOC3 does not give a # but I have the transcript and the XXXX County Sheriff Dept. case ID # is XXXX XXXX, signed by officer XXXX XXXX badge # XXXX. \nI had the hardest time calling back CWSS to give the report #. It took 5 calls, each one with at least a XXXX wait and a couple disconnections before I could talk to a human being that took the reports # at XXXX. They were getting ready to close and no action occurred consequently. Meanwhile the scammers, who knew about the time zone differences and the sclerosed banking procedures, had plenty of time to go withdraw the money Having been told that the inquiry into this could take 60 to 90 days, I had no choice but to wait patiently past 60 days to start inquiring about this issue. \nMeanwhile, having called XXXX, I saw a quick and favorable action from the service. They sent me a letter dated XX/XX/XXXX, acknowledging the complaint and I was refunded the {$950.00} on XX/XX/XXXX. \nI have never received any correspondence from CWSS or any other service regarding the fraudulent wire.\n\nEvery phone calls I had to do resulted with hours of wait time, disconnections after being transferred or me hanging up by frustration and fatigue. I have all my calls documented in my call log to prove this. \nAt this stage, I feel like I have been let down by Citibank.The bank failed to provide sufficient security to prevent this fraud. I can not believe that such a large global bank like Citibank does not have a XXXX fraud call center, able to intervene quickly... \nI have been a customer for over 20 years and have NEVER transferred money by wire, even onceSuddenly, a wire emptying my account did not raise a flag? Nobody thought about double checking the validity of this transaction? And after this happens, nobody has contacted me to inform me of the status of this case? I have to endure sickening wait time to try to find out and end nowhere? \nAt this point, I feel like I have no choice but to go outside the bank to whatever regulatory government agency is out there to get helpThe bank has denied my claim for reimbursement, based on the fact that I provided my information voluntarily... \nThank you! \nXXXX XXXX","date_sent_to_company":"2022-11-02T22:01:26.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"954XX","tags":"Older American","has_narrative":true,"complaint_id":"6157288","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-11-02T21:44:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["At this stage, I feel like I have been let down by Citibank.The bank failed to provide sufficient <em>security</em> to prevent this fraud. I can not believe that such a large global bank like Citibank does not have a XXXX fraud call center, able to intervene quickly... \nI have been a <em>customer</em> for over 20 years and have NEVER transferred money by wire, even onceSuddenly, a wire emptying my account did not raise a flag? <em>Nobody</em> thought about double checking the validity of this transaction?"]},"sort":[11.125717,"6157288"]},{"_index":"complaint-public-v1","_id":"18695255","_score":9.667614,"_source":{"product":"Credit card","complaint_what_happened":"I have an account with Wells Fargo for a Choice Privileges Mastercard. However, as confirmed by Wells Fargo, I never received the physical card through the mail as I was expecting. I attempted to request a replacement card through my online account many times. Every time, I was told the request is denied for security reasons and that I must call in.\n\nI called the provided phone number and followed the prompts of the robot. The robot looped me back to the same online replacement request process, which failed again. I attempted this twice, the second time trying a different option with the phone robot but it failed both times.\n\nI called again, this time after looking up Wells Fargo 's general customer service number in the hope of talking to a real human. I correctly followed all the robot prompts to speak with someone about my credit card account. When a human finally answered, the human took all my details and asked me several questions for about 15 minutes, then in the end said she didn't handle this issue and needed to transfer me somewhere else.\n\nI was then transferred to a hold line. I waited on hold and nobody ever picked up nor was any update announced regarding wait times or place in line. I finally hung up after waiting on hold for half an hour. Before I was transferred, I asked the human to give me the direct phone number for where she was transferring me so I could call back if I was disconnected. I called this direct phone number, which was answered by another robot. At that point I gave up. \n\nBasically I spent hours in total trying to get a replacement card from Wells Fargo and Wells Fargo did not do it. I've been in good standing with Wells Fargo for many years and still am as far as I know. I am not sure what the security concern is because the account has a {$0.00} balance and is not being used because I don't have the card. \n\nOn XX/XX/XXXX, I requested in writing through a CFPB complaint ( XXXX ) for Wells Fargo to close the credit card account. On XX/XX/XXXX, Wells Fargo responded that the account remained open and a replacement card remained unissued. Wells Fargo 's advice was to call their phone system, the same phone system that I had tried to call twice previously without success and which prompted the complaint in the first place. In other words, Wells Fargo did nothing to assist me. In its response, Wells Fargo confirmed that I did call in to try to cancel the card, yet Wells Fargo still chose not to close the account even after my followup written request.\n\nWells Fargo intentionally makes it difficult to close an account by offering no option to do so through its website or through secure messaging. An account can be opened on the website but an account can not be closed on the website. Wells Fargo also confirmed and apologized for its extended phone hold times for closing credit card accounts. While I appreciate the apology, the extended time was very extended when I called and as a rational human being at some point one must hang up. Wells Fargo does offer support chat. On XX/XX/XXXX, I also attempted to close my account through this support chat. Unfotunately, the support chat is a completely automated A.I.-driven system that was unable to provide any assistance other than display a phone number, similar to the CFPB complaint response Wells Fargo issued previously.\n\nThe credit card agreement states, \" We may close your Account at any time and for any reason. You may also close the Account at any time. '' Therefore, Wells Fargo 's refusal to close my account upon my repeated and confirmed request is a violation of the agreement and the law. The agreement does not specify that I am expected to remain on hold for indefinite extended periods, or that I am expected to go through endless interacting loops with automated systems. A business standard written request should be sufficient, although I did unsuccessfully attempt to cancel the card through the phone and chat methods as well before resorting to these written requests. Wells Fargo also reserves the right to cancel an account at any time for any reason, which they often do to the surprise of customers, but in my case when I am specifically and repeatedly asking for an account to be closed Wells Fargo just won't do it. Wells Fargo has confirmed the account has a {$0.00} balance and the associated card was not activated, so nothing is preventing its closure other than Wells Fargo 's arbitrary refusal. Therefore I am filing a second CFPB complaint again requesting closure of the account.","date_sent_to_company":"2026-01-13T21:17:48.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"20110","tags":null,"has_narrative":true,"complaint_id":"18695255","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-13T20:23:23.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I have an account with Wells Fargo for a <em>Choice</em> Privileges Mastercard. However, as confirmed by Wells Fargo, I never received the physical card through the mail as I was expecting. I attempted to request a replacement card through my online account many times. Every time, I was told the request is denied for <em>security</em> reasons and that I must call in.\n\nI called the provided phone number and followed the prompts of the robot."]},"sort":[9.667614,"18695255"]},{"_index":"complaint-public-v1","_id":"7188537","_score":8.1463,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Im not sure if I submitted under the right category, but I am dealing with capital one auto finance, that unfortunately my car had became repossessed I had been going under extreme hardship. I had been going to court for legal matters due to my landlord at the time of the repo. I did not have a stapled home for me or my children I had called capital one immediately. When I noticed my car was Repo I had spoke to them and informed them that I will be reinstating my vehicle, they gave me two extensions car got picked up on XX/XX/XXXX and I got it reinstated by XX/XX/XXXX of XXXX. They had reassured me that my personal belongings which were going to be in my vehicle. Now when I arrived to XXXX XXXX XXXX Department in XXXX Ca. On XXXX XXXX at XXXXXXXX XXXX I had to wait about 1 1/2 hr to get informed that my key wasn't registering to my vehicle so I had informed XXXX at the front window if its OK that I go to the store and Ill be back she said yes I then arrive roughly about 45 minutes later walk into the facility and XXXX informs me that they are barely going to look at my vehicle. I said OK Ill be in my car, I get a phone call that they are stating my car does not want to start that my key is not working and that they made a key to see if it was a key issue and their key was not working as well. I then got on the phone with my financial company Capital One, which they transfer me to a higher escalation, got a hold of a XXXX that told me he was going to put me on hold as he called the facility, they had informed him the same issue, and that they had made a key for the vehicle as well. They wanted me to tow the car to a dealership to find out what was wrong with it, and I strongly believe that I am not responsible for towing a vehicle to the dealership to find out what is wrong with my car that worked 100 % never once did any of my check engine light. Nothing major has happened to that car before getting it repo. My vehicle ran perfectly fine never had one issue with it until now. When I told XXXX from XXXX about someone making another key for the vehicle. She told me no one made another key to the vehicle. I told him how is that even possible why would you guys inform my financial company that you guys made a key not only that I was informed by this lady XXXX that they made another key. My understanding is that once I sign the paper stating that I am taking the vehicle, they will no longer have any responsibilities whatsoever for damages that have been done to the vehicle. I refused to take it off their lot after finding out my car did not start. I had asked if I can speak to the mechanic that looked at my car. I was told by XXXX that they do not know what mechanic looked at my vehicle not only that she offered to bring the vehicle to the front and that once its in the front it is my responsibility to remove it off their property as they did, they brought it to the front and I was beyond angry. Once I seen my vehicle vehicle has damages that on the outside of the car all of my personal belongings which is very valuable stuff had been gone. It looks like somebody literally broke into the car. I then proceeded with upsetting conversations, and informed them that I would like the condition report to my vehicle, they refuse to give it to me because I am not the customer. They do not deal with me. They deal with capital one capital one is the one that will have to request for this form, I found it very funny that I had a similar situation with a friend that had a vehicle in the same location and they were more than happy to present them with a condition report XXXX XXXX XXXX stated that thats the way my vehicle came in which is absolutely incorrect. I refused that he has false information the way everything went. I highly believe that they are hiding something mind you I left the car there because high security name. XXXX stated he will go ahead and take over this situation. He will investigate what is going on and he will take care of me. I left at XXXXXXXX XXXX and called the next day to XXXX and asked to get a copy of the condition report. Nobody wanted to provide it to me. I wanted to find out who called me at XXXXXXXX XXXX on XX/XX/XXXX when I was on my way to pick up my vehicle because the night before which was XX/XX/XXXX, I called to verify if my personal belongings were still in the vehicle I also brought this up on the conversation when the situation arises when I notice that all my personal belongings were gone they stated to me that they dont know who called me and why would anybody call me to inform me that my personal belongings were in there so instead of calling the XXXX location, I called the Riverside location and XXXX location was more than happy to verify who called me on XX/XX/XXXX to inform me about my personal belongings. Mind you person explain to me what they were able to see in the pictures how could somebody explain to me what was in my vehicle if my vehicle came damaged and looking ransacked inside, makes no sense, they confirmed it. Was someone name XXXX, which XXXX was the one I was dealing with at the front window funny how she did not mention anything to me when I was asking who called me the following day which is XX/XX/XXXX I called and I wanted to speak with somebody that is higher than anybody in the facility manager a supervisor and they transferred me to the head security which is XXXX. I then approached him and said I wanted to follow up on the investigation. He tells me that he informed me he will let me know on the week of XXXX XXXX XXXX that he is on vacation, I said oh so they three-way do you heat then inform me no they called me on my cell phone I said OK can you transfer me back to the facility? He then said no I am on my cell phone I did not believe it so I had someone else called in asking for him and they had asked if XXXX is in they said yes got the phone call transferred and was questioned about the XXXX XXXX XXXX. He said is this XXXX the person who was on the phone with XXXX said no this is XXXX which is the cosigner to the XXXX XXXXXXXX XXXX  He then said I am formed XXXX I am on vacation and that I will let her know the outcome on the week of XXXX of XXXX I find it very weird that when an employee is on vacation theyre able to transfer these calls to a employee that is on vacation. Mind you I have these calls are recorded and also recordings and videos of the day I picked up the vehicle. They were well aware because I informed them that these calls are being recorded for quality purposes and also they seen us recording my vehicle, I felt that I had no other choice and did not get any help and I was in desperate need of that condition report so I made up an email I called in and stated I was from capital one auto finance. I gave them a ID number that was just a random ID number and I requested for the condition report. I was able to get it now I understand that that is something I should not do, but I felt that I had no other choice because I am not allowing this to happen. I am not allowing them to get away with this, especially with my car not starting and all my important things that were in that car let alone my children Social Security cards are gone. I know these are items that should not be in a vehicle but at the time unfortunately I have no other choice, now when I receive this condition name report, I am able to verify that my items were still in the vehicle. My car did not look ransacked as I did when they brought it to me. I dont understand how XXXX XXXX XXXX is stating that my vehicle came in like that because on their pictures, it clearly shows it was not like that, I need someone to please help me. I have been calling everywhere and I am not getting anywhere. I feel that this is a matter that someone has to take action because it has happened to many people from this location as Ive noticed on their reviews and I feel that it is not right for them to be getting away with this, XXXX, the main security did mention that he is a retired cop either. Thats a lie, or he got fired because he is a crook. I paid capital one over XXXX to get my car back and to deal with this is extremely disappointing. I need help!!! Id appreciate help in my situation. Theres more to this but Id like to explain once I get the opportunity to speak to somebody from CFPB.","date_sent_to_company":"2023-06-30T20:44:08.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"92223","tags":null,"has_narrative":true,"complaint_id":"7188537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-06-30T19:11:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["I highly believe that they are hiding something mind you I left the car there because high <em>security</em> name. XXXX stated he will go ahead and take over this situation. He will investigate what is going on and he will take care of me. I left at XXXXXXXX XXXX and called the next day to XXXX and asked to get a copy of the condition report. <em>Nobody</em> wanted to provide it to me."]},"sort":[8.1463,"7188537"]},{"_index":"complaint-public-v1","_id":"6079114","_score":7.6677017,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I'm going to put this very simply right now there is a class action for multi-million dollars against XXXX XXXX because of an issue with their misleading people into thinking that they would be approved for credit or loans or anything like that this was a complaint that I submitted in XXXX to you about Experian because experience led me by saying that I had a 96 % chance of getting approved at XXXX or XXXX XXXX as well as XXXX XXXX I also looked heavily into the disclaimers and every bit of information I could before I actually submitted an application there was a zero indication of how or why I should have been denied I've been just given a FICO score I had done extremely well with my leasing program with XXXX XXXX I was looking forward to building credit and I was only taking experience advice and they misled me and this is exactly what the class action against XXXX XXXX is about apparently now I don't know if they're an actual Bureau or reporting agency I don't know exactly but the deal is but they have made recommendations based on extremely high approval odds for consumers to be approved. Now this is a huge problem for me because I have been and dire need of assistance ever since I was violently assaulted by my family and had to leave and now I'm living in a van that I am spending literally all of my money trying to fix and I'm going hungry because of it but I'm doing that because I want a roof over my dog and my head. My dog doesn't deserve to suffer because the Experian doesn't do their job well and had a XXXX answer for me when I tried to resolve this with them now I made the initial mistake of forgetting to unlock my credit report when I did XXXX XXXX but I was told when I applied the second time after unlocking it that at least the first credit report inquiry the hard inquiry would be expunged I was lied to now I don't understand why there is a class action against XXXX XXXX and yet nothing was done for me because I am certainly in more need than a lot of people out there just as every other homeless person who would be able to apply for credit if they had a good score which I did at that moment but it has dropped drastically to the point where I don't know how to recover it without and I just don't know how to recover it because of the situation I found myself in and I've been doing everything I can to do the right thing to responsible thing make good choices but when you're on Social Security XXXX income at XXXX XXXX XXXX and you have been since you were XXXX you don't make enough money to be able to do this. But if you contact XXXX XXXX their program is for 12 months and it catches is that they don't make it easy to notice that if you don't pay within 3 months then you're going to pay double the price of the product quite literally double I looked into it enough to where I was actually able to pay it off in 3 months because I was dedicated to it but after I got screwed over so many times by these credit bureaus and no lawyer will ever take a borderline personalities case because that's what I have I've learned that the hard way I've had multiple instances where I had companies incorporations dead to rights I had smoking guns and no lawyer would even hear me out in fact these free consultations that they always advertise they would never even actually meet with me. So for instance when I went to XXXX XXXX and I had them dead right because I had a Smoking XXXX about the XXXX fraud before it was even in the news nobody would help me and I would have won that arbitration because I decided to represent myself. The only reason I didn't was because I'm not actually a lawyer I did make a couple mistakes and apparently if you don't have a degree from the bar you can not utilize a service to obtain a medical expert witness and even though I am a medical expert I just don't have a degree I have no way of proving what I'm saying is true even though I could speak to lingo and tell them everything they need to know about my illness how it affected every bit of my life and how every doctor at XXXX XXXX in the mental health field had participated in this XXXX fraud I am on XXXX. I did get diagnosed with XXXX that I did not have and they did not treat me the way that they are supposed to treat a patient the only reason why I ended up dropping that case was because I found out that the arbitrator was a stickler for the rules which means that no medical expert witness no winning so I dropped the case because of stress so I wouldn't get worse now this is exactly why I decided to stop pursuing the Experian deal because nobody ever gives us any help. The mentally ill are the only people who actually get discriminated against and I am absolutely being discriminated against on top of that other companies are harassing and it seems like everywhere I turn people are trying to squeeze blood out of a turnip and guess what I'm not being hyperbolic I'm not exaggerating and if I were still at my parents house getting violently hit every once in awhile and mentally abused and physically abused emotionally abused I would still have all my paperwork but when you move into a van you kind of have to let go of some things so really angers me when I see things like XXXX settlements going to people who informed the Department of Justice when I tried to do that exact thing including contacting XXXX XXXX and every news outlet that I could I have emails to prove it. And then seeing the class action about XXXX XXXX doing the exact same thing to their customers that Experian did to me and yet there's a class action there so where is this consumer protection for a Consumer Finance victim. That victim being me as well as I'm sure millions of other Americans who are on XXXX or at the very least anybody who's on XXXX at a young age and had no choice in the matter but I did my best and I was succeeding at building a FICO score I worked my XXXX off to do that on a limited income that is absolutely unfair to even be assumed that I can live on. And yet I was able to pay off that XXXX leasing in 3 months because I dedicated myself to it and it was very simple laptop so that way I could enjoy myself it was a superfluous non-essential item but that had nothing to do with my credit I hear however I believe that if you were to contact them see that that is true that would be a good representation of how if I were not in dire circumstances and if I were not XXXX  over by every chance that life can XXXX me over I would be able to make these payments and the reason why I bring this up is because I want an expedited investigation as there is a purchase that I would like to make for an exclusive event that I've been invited to. But I guarantee I will not be approved for any kind of credit or much less a leasing program or even any other kind of thing there's just no way in XXXX not with the income that I have which is a completely unjust income of benefits. And experience should absolutely be punished for lying to their customers as I said there was XXXX indication of why I should be denied for both of those credit card companies when I applied for them there's XXXX reason why that I should have been informed that the first hard inquiry would have been expunged and it never was an experience is just a very shady Bureau now they love to sidestep they love to keep their I don't even know what it is they do I don't know if they're for the public or if they're for the government. Or perhaps they're just somehow able to gain an advantage for themselves either way I've tried on multiple occasions to start building my credit again because I'm going to need to however if I denied it every opportunity then how the XXXX am I supposed to build credit.","date_sent_to_company":"2022-10-13T02:39:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95662","tags":null,"has_narrative":true,"complaint_id":"6079114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-10-13T02:10:46.000Z","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":["but when you're on Social <em>Security</em> XXXX income at XXXX XXXX XXXX and you have been since you were XXXX you don't make enough money to be able to do this."],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[7.6677017,"6079114"]},{"_index":"complaint-public-v1","_id":"4247243","_score":7.4074073,"_source":{"product":"Debt collection","complaint_what_happened":"Re : Debt Validation request for XXXX XXXX XXXX XXXX. Account Number XXXX. XXXX XXXX XXXX ReferenceXXXX ; and Notice of Intent to Sue for racket, identity theft and other misconduct.\n\nDear Sir/Madam, This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX and your attempt to collect the debt which I previously disputed XXXX ( XXXX ) times with the creditor and their prior collectors from on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. \nNone of them ever responded to my lawful requests to validate the debt or identify the actual creditor who most likely is not XXXX XXXX if they used securitization of their medical accounts receivables. I have letters from various collectors who fail to identify their relationship to me purported debt and the purported creditor. It is not a secret that healthcare providers aggregate their accounts receivable into pools to sell these pools to investors. Thus, even IF I had any legitimate debt with XXXX XXXX, they already sold it for profits to non-disclosed parties using my private information as a collateral, received substantial profits and now seek additional revenue from me, in unlawful manner. \nIt is also not a secret that healthcare providers intentionally overprice their services and sell unnecessary services to patients without obtaining their written consent - to overstate their accounts receivable for investors, thus sell them for more money. Most likely XXXX XXXX owes ME money for my undisclosed participation in their securitization scheme and must disclose me that they are doing with my personal information and my medical records. I never received any disclosures from XXXX XXXX regarding their intent to securitize my data even though XXXX  has many filings with SEC evidencing that they regularly issue and sell securities obviously backed by their patients identities, without ANY disclosures to patients about the sales, which is commonly known as identity theft. \nBe advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Please be also advised that I plan to proceed with a legal action against XXXX XXXX XXXX XXXX, for medical malpractices and violation of numerous State and Federal laws, and all information from your bureau will be used for these purposes. \nThis is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.\n\nPlease provide me with the following : Please disclose if XXXX XXXX is engaged in securitization scheme and sells their accounts receivables or any debt to any other third parties. Please list all parties to whom such accounts receivables or debt are sold ; as well as list ALL my information which was sold or otherwise transferred by XXXX XXXX to any third parties. \n\nPlease identify REVCO Solutions relationship to my debt and how REVCO became a collector for XXXX. Provide me copies of any retainer agreements with XXXX to verify that REVCO was lawfully hired ; or any purchase agreement where REVCO paid any money for this debt. Please state the name of XXXX XXXX represetntives who is responsible for collection and administration of accounts receivable who can provide me written proof that REVCO is actually hired by XXXX XXXX ; and explain me their securitization scheme as well as profits they received from trading my identity on the open markets and with whom. \n\nState what the money you say I owe is for. Please provide me a copy of my written informed consent to conduct tests and services ( XXXX  in XXXX  room ) for EACH procedure, including ultrasound and XXXX  scan ; ( 3 ) proof that the results of these tests were delivered to me and to my doctors in XXXX XXXX XXXX when requested. \nExplain and show me how you calculated what you say I owe. Provide me with copies of any papers that show I agreed to pay what you say I owe ; Show me that you are licensed to collect in my state. Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX  XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Defamation of Character.\n\nIf your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof. \n\nIf your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. \n\nI would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.\n\nIt would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. \n\nBest Regards, XXXX XXXX. \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nSummary of Disagreement and Disputed Charges.\n\n1. Disputed Charge for XXXX XXXX {$1500.00}. \n\nI visited my family in XXXX MI when I noticed XXXX XXXX on my skin. I called to the local hospital in XXXX MI to ask if I can take a simple XXXX  test to identify the problem. The customer service desk responded that since I am not the MI resident, I have to take the blood test through the XXXX XXXX. \n\nHere was no emergency in any kind, I only needed a test and nobody told me that the admission for XXXX  XXXX will cost {$1500.00}, once again, just to take a general XXXX  TEST which typically cost about {$80.00}. \n\nI consider admission into emergency room for a non-emergency situation without a mandatory price disclosure as unnecessary and deceptive ; and dispute {$1500.00}. Bear to repeat, nobody disclosed me the cost of emergency room admission even though I specifically told the receptionist that I ONLY need the blood test. I request XXXX XXXX to remove {$1500.00} from my bill.\n\n2. Disputed Charge for Other Imaging Services ( XXXX ) {$510.00}. \n\nAfter I was admitted to XXXX XXXX ( again, on non-emergency basis ) and a nurse took my XXXX  test, it turned back with XXXX  level XXXX without any other abnormalities. According to all medical standards, this level of XXXX  is considered as NORMAL for adults. Nonetheless, the emergency room doctor started to scare me about my dangerous condition to convince to take an XXXX  test. \n\nAs an average person who is not familiar how much XXXX  is considered dangerous I was very scared, especially when the nurse continued to tell me that I probably have an XXXX XXXX  ( I had not ). This scary tactic to push patients to buy expensive and unnecessary for XXXX XXXX  services ( which is evident from other customers reviews of XXXX XXXX XXXX looks more like a medical malpractice rather than a treatment. \n\nWhen I asked about necessity of ultrasound and for the price, doctor said that she does not know how much it costs but because my hemoglobin is critical ( which was not true, it was NORMAL ) and they need to see that is going on with my XXXX, which was again absolutely unnecessary procedure for an emergency room who does not and did not provided me any treatment except referred me to a local hospital. The doctor then said that XXXX XXXX is cheaper than XXXX  scan, cost of which she did not know either. The financial specialist who came later also did not provide me the cost of the procedure even though I specifically asked. \n\nOf course I was scared when the doctor said that my condition is critical ( which was not XXXX to agreed to take XXXX  test under pressure and fear. I dispute this test this XXXX XXXX test which was ( 1 ) unnecessary in my situation because my condition was not critical ; ( 2 ) even IF I had any stones in XXXX ( I had not ), emergency room does not provide treatments but merely referred me to my local hospital in XXXX ; ( 3 ) without disclosures about the price of this procedure ; ( 4 ) did not provided me with final results of this test ; ( 4 ) did not send results to my local hospital in XXXX although they specifically requested them. I had to take the same test again and was billed twice for the same procedure because XXXX XXXX did not send the test results to XXXX XXXX XXXX who requested them. \n\nAs the result, I had to ( XXXX ) take unnecessary test in XXXX XXXX room under pressure while the doctor knew that my XXXX  level is NORMAL ; and all that she did - referred me for tests in the local hospital ; ( 2 ) I never obtained the results of this test and had to take it again which doubled my medical bill. \n\nTherefore, I dispute {$510.00} charge for unnecessary ultrasound results of which were not provided to me as of today ; and request to remove this charge from my bill.\n\n3. Disputed Charge for XXXX  Scan {$3100.00} and Pharmacy {$47.00} and {$23.00} After my ultrasound test did not show any abnormalities, the emergency room doctor started to push me to take another, more expensive CT scan which bear to repeat was absolutely unnecessary procedure for the emergency room ; and the results of which were never provided to me or my doctor in XXXX, so I had to take it again. \n\nAgain, I was scared about my emergency condition with XXXX level of XXXX  ; and the doctor was very pushy and persistent that she needs to see that is going on with my XXXX ( and again, the emergency room doctor does not provided me any treatment for the condition which was not an emergency, she merely referred me to a hospital in XXXX. \n\nI repeatedly asked how much this XXXX  scan will cost and the doctor, the nurse and the financial advisor said they have NO idea, something over a thousand. Which was not true since as professionals who continuously work in the hospital, they MUST know how much their services cost ; and inform patients about the price before that force them to take it. \n\nAs the result, the XXXX  scan came as a monster charge {$3100.00}, absolutely unnecessary in the emergency room. When I went to see a doctor in XXXX, they requested the results from XXXX XXXX which were never provided. As the result, I had to take the same test in XXXX, which not only doubled my medical bill but unnecessary exposed me to double level of XXXX and contrast medication, which is again looks more like a medical malpractice than service. \n\nTherefore, I dispute {$3100.00} XXXX Scan charge as dangerous and unnecessary while the results of which were not provided to me as of today ; and request to remove this charge from my bill.\n\n4. Disputed Charge for Laboratory General Classification - {$750.00} I must repeat that my visit to XXXX XXXX was merely to take a simple blood test which is normally cost about {$80.00}. I was not aware that in order to take this test in XXXX I have to be admitted into an emergency while here was no emergency at all ; and nobody disclosed me the price of admission. \n\nThe test came back NORMAL, with XXXX  XXXX, thus, at this point the personnel should release me home with the referral to my local hospital in XXXX. They didnt. To the contrary, the doctor used my fear to push me to take unnecessary and highly overpriced services which ( 1 ) showed NO abnormality ; ( 2 ) results were never provided to me or to my doctor in XXXX. \n\nAt the very end the doctor decided to take a XXXX  test for XXXX the results of which I do not have at all. I was told that IF the lab will found anything wrong, someone will call me. If nobody called it means that my results are normal. I never received any calls regarding these results ; and again, when I went to XXXX, my doctor ASKED me for copies of my results in XXXX and even requested them through the hospital but nobody provided them to me or to my doctor, so I had to take all tests again. Now XXXX XXXX wants me to pay {$750.00} for tests results of which I do not even know. No need to repeat, nobody disclosed me the price for these tests. \n\nMy bill from XXXX XXXX does not itemize Laboratory Tests ; ( which once again I consider as deceptive since nobody informed me how much XXXX test will cost, the doctor merely used scary tactics to push me to buy them ) Therefore, I dispute {$750.00} charge as unnecessary and because the results of which were not provided to me as of today ; and request to remove this charge from my bill. I agree to pay for the regular blood test, which was the reason why I visited XXXX XXXX. Please remove unnecessary charges and adjust my bill accordingly. \n\nIt appears to be XXXX XXXX modus operandi practices to conceal from patients mandatory information which must be disclosed to obtain an INFORMED consent about the needed procedures. \n\nBear to repeat, first, nobody told me that in order to take a simple blood test I have to be admitted in an emergency room with about {$1700.00} bill while my situation was not an emergency. We merely came to take a XXXX  TEST. \n\nNext, nobody informed me that my blood XXXX  rate of XXXX is a SAFE level. To the contrary, your doctors used scary tactics about internal bleeding ( which was not true ) to force us to take very expensive tests since I was confident I will die right in the emergency room if these tests are not taken. \n\nI do not recall if I gave any written consent to conduct these tests either, as well as I never received a written disclosures regarding my condition and why doctors forced me to take expensive tests on the emergency basis instead of referring me to a local Hospital in XXXX. \n\nI never received any disclosures about the COSTS of these procedures either since neither your doctor or even financial adviser apparently didnt know how much they will cost. \n\nI never received ANY test results for which you try to bill me ; I never received ANY results of review you purportedly conducted again, without informing me about results.\n\nI agree to pay for ( 1 ) regular XXXX  test ; ( 2 ) XXXX blood test since these are ONLY two services I requested from XXXX. All others were force placed by using scary tactics ; were not necessary at the moment. The results of these tests were never provided to me or to my doctors in XXXX yet XXXX and XXXX XXXX want me to pay for services which bear to repeat were not necessary and not given to me. \n\nI doubt if you pay for a merchandise which a company fails to send you. \n\nAfter that XXXX XXXX XXXX whose doctors insisted that my situation is very critical and need immediate tests ) failed to provide these tests to doctors in XXXX XXXX who requested them several time! Obviously, this scary tactic was only used to push me under unnecessary expenses while I never got any results of these tests Now you informed me about some review of my case the results of which were once again are not provided and not attached to your letter. \n\nWe found XXXX hospitals practices as a violation of my patients rights to make an INFORMED decision, get RESULTS of the test for which you charged me on timely manner ( now I have a duplicate bill for the same tests in XXXX XXXX which would be unnecessary if XXXX would send my prior tests to XXXX XXXX after they requested them several times. You did not answer why XXXX failed to provide me results to XXXX. \n\nPlease find this Notice of Disagreement with billing charges for account XXXX ; and request to remove unnecessary, overpriced and deceptive charges for services costs of which were never provided to me ; as well as the results of which neither I or my doctor in XXXX never received since they were never provided although requested. I had to take all the same tests again, including labs and XXXX XXXX, which doubled my medical bills and put me under unnecessary and dangerous double exposure to XXXX and contrast medications. \n\nThis is not a refusal to pay but a Notice of Disagreement with overpriced and unnecessary services which XXXX XXXX already SOLD to investors and received a substantial profit by trading my identity on the open market","date_sent_to_company":"2021-03-25T07:00:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"606XX","tags":null,"has_narrative":true,"complaint_id":"4247243","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Revco Management, LLC","date_received":"2021-03-25T06:47:13.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["The <em>customer</em> service desk responded that since I am not the MI resident, I have to take the blood test through the XXXX XXXX. \n\nHere was no emergency in any kind, I only needed a test and <em>nobody</em> told me that the admission for XXXX  XXXX will cost {$1500.00}, once again, just to take a general XXXX  TEST which typically cost about {$80.00}."]},"sort":[7.4074073,"4247243"]},{"_index":"complaint-public-v1","_id":"8268041","_score":6.812832,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am really sorry but I am at wits end with this bank. As you may have noticed I sent two other complaints about my account at Bank Of America. in response to my complaints to you I was contacted by a woman claiming she was s their three supervisor and was calling to tel me a young lady named XXXX or XXXX both names have appeared not the cell phone. Well she and I have been playing phone tag all week. yesterday on XXXX XXXX XXXX  she called twice in the morning and this time. was able to pick up the phone thing is I answered and they did not. \n\nI was called by a their 3 supervisor that explained she had assigned a young lady to assist in fixing the problem. I now know how they planed to fix it. \n\nThe young lady assign called on Monday I was not near my phone so I called back to tell her I received her message. The phone I was called from did not identify as Bank of America it was register to a XXXX XXXX in XXXX and to XXXX XXXX XXXX. I just assumed that she was using her cell and continued to return her calls. Today at XXXX XXXX XXXXXXXX time I discover my account was closed, permanently. \n\nThey only sent home made letter he'd letters to me before the woman on Sunday called. I told her then the employee who was both rude an vindictive, was behind what ha happened. She then ask me a funny question. She asked If I did submit the complaints to you. I did not think anything of it so I told her yes, and then I pointed out did not do it to cause problem but as the bank employee stoped trying to help me I felt I did not have any other choice but to repot this. The woman gasped and said do not worry it will be fixed. \n\nI just got of the phone with a man named XXXXwhosaid he was from the Bank of America risk dept and they decide on XX/XX/XXXX the same day I dealt with this woman to permanently end my relationship with the bank for business reasons. \n\nNow I have been honest nd I thought they really did care to help me out. I am going to say this as clearly as possible. I never bounced check nor got anything I was not entitled to. I have always been responsible and able board because I was not Just a customer of Bank Of America I was an XXXX XXXXXXXX XXXX yeas ago before my health went bad. I left the company in good standing, a bank branch manger and worked closely with the eco of Bank of America commercial banking in Illinois. All that, and each and every time this month I made sure to respect fully ask why the actions did not meet bank standards and they fell I was joke. \n\nThe went so far as to correct my bank statement in XXXX and XXXX an on into this month to fix the account. You know I should have figured that when they admitted not fund from XXXX  came and erased from the account I made a copy showing new number through move until last week. I tried to think they were honestly trying to help. \n\nI even receive new messages from the bank of my new card was in the mail and tell me how in the complaints it wa call repaired into my favor. And then I had a letter saying even though they ha honor part of my complaint they were planning to take {$65.00} out of my account next week in XXXX. They even gave me what I had asked for and closed out all the complaints in my favor. You know the let me sing you to sleep number. \n\nThey did this knowing full well that they were planing to not only close my account today. but doing so so I would lose my social security check that is now in their possession and they will return next Monday because they closed the account. they have essentially decide that their rude obnoxious behavior And I might say target closure of my account is my problem and my fault. \n\nThe know they are deliberately arming me. know that because today right after I saw the account on hold again I received the root that showed up on my credit report and how it dropped my credit through the floor. XXXX point down In a few second of their closing my account. They know full well why I get social security was because of ill health because it began when I worked forth and had a XXXX less then six months later. \n\nit is outrageous that all they pretended to do this week was solely to have me face the account closed on the second with my having no recourse to repair or deal with it until next week. they claimed they did not send my name to XXXX XXXX but I know full well the once transuion responded to my account being closed They sent everything to XXXX XXXX. I tell you now I know what their next step is going to be. \n\nThey are indeed going to back charge my account next week. The fact I can still seat is proof they have yet to really close the account but you see when they do close it it will be because \" I '' over drew the closed account and then they have a legal right to repot me to XXXX XXXX destroying my ability to ope bank account anywhere. \n\nIn the process the two or three month screwing they are planning is going to happen and then like God at the red se it will be cleared up butthye will get the fun of causing some nobody the ability to shaft them. just because they fife like it. I hate to admit iknew this kind thing happened back in my day so maybe they are enjoying XXXX back on me because all along I keep bringing it up higher. \n\nOn the bank system is not isolated from one depart to another. it can not be or else the branches who Never now what happen to the account before they get the customer in. They mast in cs sign off with the names of the employee every step of the way o else their deciding to harm interests could not happen. Any letter sent to the customer is in the same system as the branch office, home office and Risk as well as tier three managed meant and all of the fraud dept. Again even if I were not speaking as a XXXX XXXX if all the information from the bank 's closing decisions, the employee who has to sign off no their action reports and the fraud department all inter connected and working together. \n\nThe young man XXXX spoke with today in Risk about fraud could not understand why it was a mystery all along. That means if thy are going to play dumb and act like they know nothing. you do not get multiple devisions involved and then claimed the know nothing. \n\nThat means when they responded to you, they already kew full well the amount was going to be closed on XXXX. They not only knew it the same date always comes up XXXX XXXX leaving no doubt in my mind who pushed this along but knowing whomever this woman is the out was always going one the same no matter what. Why would it not be if th day all this was \" Decided '' was on XXXX XXXX XXXX the day she showed such cause and open disregard to what I wa calling about or even helping me when she came to the phone. I can only guess that when XXXX the guy I talked to her before hand my call love it was already in motion. \n\nNow I know Their is nothing I can do bout my direct deposit now. I know full well the ham and indeed problems they have cause d me and I the end I will not be surprised if they know the full extent they are going to arm me financially is beyond just bank error driven closure of an account. \n\nNothing personal I know you can not fix this now even if you wanted to. I take all the comfort int he world that I am not ending it here. So pleas file this as the end of this affair and if their is anything you can do for me I aprceiate it but I also know if nothing coms of this it was not for your lack of trying.","date_sent_to_company":"2024-02-01T20:48:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60133","tags":null,"has_narrative":true,"complaint_id":"8268041","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-02-01T19:40:40.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["They know full well why I get social <em>security</em> was because of ill health because it began when I worked forth and had a XXXX less then six months later."]},"sort":[6.812832,"8268041"]},{"_index":"complaint-public-v1","_id":"3284591","_score":5.1422424,"_source":{"product":"Mortgage","complaint_what_happened":"Dear CFPB, Please find my Complaint against PennyMac Loan Servicing LLC ( PennyMac ) for fraud with XXXX XXXX XXXX ; theft of the loan ; identity theft ; conspiracy to defraud ; violation of TILA, RESPA, UCC and RICO Act ; and other misconduct. \n\nOn XX/XX/XXXX my loan was purportedly transferred to PennyMac by XXXX XXXX XXXX ( XXXX ). Both suppose to be Subservicers for the loan originator XXXX XXXX XXXX XXXX. ( \" XXXX '' ) On XX/XX/XXXX PennyMac sent me a billing statement claiming that PennyMac is \" owner/investor '' - which is not true because my loan is a VA loan thus is a subject of very strict XXXX XXXX guidelines ; and all documents are held by XXXX approved Custodian. PennyMac is  not on XXXX-approved Custodians, nor on Subservicer 's list. See attached. \n\nOn XX/XX/XXXX I sent a Debt Validation Request to PennyMac, in accordance with FDCPA. As of today, XX/XX/XXXX PennyMac failed to provide me ANY proof ( except their empty words claiming \" ownership '' of my loan. \n\nI have reasons to believe that I am a victim of a massive fraud with XXXX securities ; Ponzi scheme, theft of the loan and identity theft, since I believe that my loan was stolen from XXXX  custody by XXXX and PennyMac, both are in fact a renamed predatory lender Countywide financial who acts in conspiracy with certain investment Banks, particularly XXXX XXXX, whose executive XXXX is not CEO for XXXX. According to XX/XX/XXXX Report from House Finance Committee, XXXX XXXX, who recently paid {$13.00} XXXX fine and who was an underwriter to XXXXXXXX XXXX {$1.00} XXXX junk Securities in XXXX is currently engaged in \" in an unrelenting crime spree '' - which I experienced first hands dealing with current XXXX XXXX RICO enterprise - XXXX, PennyMac and XXXX who sells my identity to predatory lender who swamped me with unsolicited refinancing offers. \n\nOn XX/XX/XXXX I requested PennyMac to validate my debt and their legal rights to collect, particularly provide me a proof of full chain of assignment as required by XXXX Guide. \n\nPennyMac failed to provide me any proof, thus, I conclude that PennyMac is engaged in an unlawful collection activity, commonly known as racket under RICO Act. \n\nIn my request I specifically asked following questions : Debt Validation notice sent to me on XX/XX/XXXX where you informed that PennyMac Loan Services LLC ( PennyMac ), Servicer for this loan, is the current creditor to whom I owe {$120000.00} ; and the current owner/investor in loan # XXXX, ( but not PennyMac Financial Services Inc., or PennyMac Mortgage Investment Trust ; or PNMAC Capital Management, LLC, or any other PennyMac subsidiary ). According to your Companys XXXX Report, The conventional loans we acquire through our correspondent production operations are purchased, pooled for sale, sold and/or securitized on a fee-for-service basis by another PennyMac Financial subsidiary, PennyMac Loan Services , LLC, which also services most of the loans in our investment portfolio and the loans for which we retain the obligation to service. In short, PennyMac SOLD my debt to other parties which you now try to collect from me ; while you already received a payment for it. However, my loan is XXXX-guaranteed, thus not  conventional and differently regulated, where PennyMac maybe a Servicer, not owner. \n\nSince you did not attach any documents in support to your Notice which can prove that PennyMac is a legit owner/investor/creditor/beneficiary for my loan with XXXX XXXX  XXXX XXXX ( XXXX ) # XXXX signed on XX/XX/XXXX ; which was sold or otherwise transferred to XXXX XXXX XXXX, XXXX ( XXXX ) as Loan # XXXX on XX/XX/XXXX ; and purportedly sold or otherwise transferred to PennyMac on or about XX/XX/XXXX or earlier as Loan # XXXX ; I respectfully request a validation to confirm if PennyMac is entitled to receive payments of {$120000.00} in the amount of {$850.00} per month. Also, you failed to provide me how this debt was calculated, which I have reasons to believe was incorrect from the origination ; and continue to be incorrect as of today. \n\nFurthermore, PennyMac said in XXXX Report We have a strong history as a prudent steward of shareholders capital which is not true. PennyMac is in fact a renamed XXXX XXXX who created a biggest housing crisis by their fraudulent lending activities including loans issues by a fake Americas Wholesale Lender which XXXX represented as a incorporated under laws of NY while AWL was never incorporated. It resulted in trillions of $ $ $ losses for investors and taxpayers. PennyMacs President Mr. XXXX is XXXX robo-signer whose stamped signatures are currently pending in numerous bogus foreclosures across the County, which Mr. XXXX must know. PennyMacs co-owner/investor is XXXX XXXX whose entire business is based on predatory foreclosures. In XX/XX/XXXX founder of XXXX XXXX filed a lawsuit against XXXX accusing them in covert criminal conspiracy perpetrated with the specific intent and purpose of gouging enormous profits from the forced foreclosures and confiscation of the homes of hundreds of thousands of struggling families all across the United States. These facts are not consisted with PennyMacs image as a prudent steward of shareholders capital, but create the totally opposite impression of RICO Enterprise on crime-spree. PennyMac is swamped legal cases and customers complaints for fraud, dishonesty, abuses ; corruption ; and the exactly the same scheme with escrow accounts to push borrowers under hardship to foreclose which I experienced with XXXX XXXX XXXX, another branch of XXXX XXXX. Thus, a full documented validation of this debt is reasonable and supported by numerous laws since I believe I am a victim of fraud, conspiracy, corruption and a huge Ponzi scheme. \n\nBe advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) RESPA, TILA, UCC Art. 9 ; Section 401 ( a ) of the Sarbanes-Oxley Act ; and other applicable laws that your claim is disputed and validation is requested. \n\nPlease be further advised that I reserve my rights to place on hold all payments during this validation, pursuant to FDCPA which provides me 30 days to respond to your Debt Validation letter ; and 30 days to review your answer ; and RESPA 60-days allowance during Servicing Transfer, presuming that the transfer was lawful. All payments will resume in full, as agreed under the Contract, as soon as this Debt is validated. No late fees must be posted ; no harassing phone calls can be made ; and all overdue amounts must be refunded to me within 30 days from validation.\n\nThis is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.\n\nOn XX/XX/XXXX I signed contact to purchase a Mortgage loan, governed by UCC Art. 3, secured  by a house as collateral where I was a Borrower/Mortgagor ; and XXXX was a creditor/Mortgagee. I was not informed about my real role as an Issuer/Guarantor for Mortgage-Backed Securities ( MBS ) and many other trading products ; and profits received by selling my name, my signature, my reputation, my home on the open markets several times a day, in small tranches, including but not limited to thin-air securities like Mortgage Servicing Rights ( MSR ). All of these transactions are subjects of SEC Act ; Sarbanes-Oxley Act, Federal Acquisition Regulation ( my mortgage is guaranteed by XXXX XXXX ) ; TILA, RESPA and UCC - all of which require FULL disclosures to borrowers who buy mortgages. \n\nThese disclosures were not provided to me, as well as compensation received from trades on my name and signature. No need to say, nobody offered to share profits from $ $ $ millions produced by sales of unsecured trading products. Each sale represented profits arising from my name used on loan documentation that originated the loan. Hence the profits represent undisclosed compensation that according to TILA and RESPA should have been disclosed at closing. I was never told that my {>= $1,000,000} loan would be generating $ 2+ million in profits for the bank, on top of my $ XXXX interest. Negotiations over the loan would likely be different but in any event the Truth in Lending Act requires the real players ( Investment bank ) and the real compensation ( all profits, fees and commissions ) to be disclosed to me. \n\n( 1 ) Please provide me a copy of my Mortgage which states that I was informed and gave my consent to be an Issuer/Guarantor for Mortgage-Backed Securities using my name and my house as collateral ; who was the real player in this Transaction  ( I suspect that XXXX was an intermediary who never invested a cent in this loan but to the contrary received a full benefit for their participation even before this loan was closed ). Please provide my the full amount of real compensation, including all profits, fees, commission, ect received from numerous resales and trades of myriad of various securities arose from my names used on the loan. \n\nXXXX XXXX XXXX ( XXXX ), who was likely acting as XXXX correspondent production operator, offered me monthly payments of {$890.00} as the price for the loan. A big chunk of this payment was my escrow account which included {$1100.00} ( now {$1100.00} ) per year FEMA Flood Insurance, policy # XXXX, for properties located in a flood zone. However, based on consultation and a survey from two local Companies, my property is not even included in FEMA Flood Map, so my {$98.00} per month payment for FEMA 's Flood insurance was obviously a fraudulent attempt to extort more money. Moreover, XXXX intentionally ignored my Map Amendment Letter which I mailed them several times beginning from XX/XX/XXXX ; and did not remove Flood Insurance from my escrow account as of today, which resulted in a significant overpayment. XXXX is well-known for their deceptive servicing practices, specially manipulations with escrow accounts, which resulted in numerous Class Actions, like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n( 2 ) Please request from XXXX/XXXX all documents based on which my property was determined in a flood zone ; remove flood insurance from my account ; recalculate my payments ; and refund me unjustly collected money. The Map Amendment letter is enclosed. \n\nXXXX was the original Servicer of my loan where XXXX was a Guarantor. As you know, XXXX does not directly issue, sell or buy pass-through MBS nor does it purchase mortgage loans. Instead, private lenders approved by XXXX XXXX originate loans that are eligible, pool them into securities, and issue the instruments. The bank collects mortgage payments from borrowers and passes payments to XXXX XXXX, which passes them through to investors. All transactions are strictly governed by XXXX XXXX Guide ; documents are held in a special Custodian Account ; all custodians must be XXXX approved ; all Servicers must have a Mortgage Servicing Agreement with XXXX. \n\nOn XX/XX/XXXX, XXXX claimed to be the current Note Holder and the loan is in a pooled security guaranteed by XXXX. On XX/XX/XXXX PennyMac claimed to be owner/investor in my loan with XXXX. I suspect that this information is not true since all Notes must held by a Custodian and XXXX   or PennyMac are not on the list of approved by XXXX  Custodians ; and under no circumstances XXXX can be a current holder on XX/XX/XXXX since they sold or transferred this loan to PennyMac about two months earlier. \n\n( 3 ) Please provide me proof that you have rights and standing as owner/investor/third-party beneficiary or in other capacity, to collect from me on the Loan XXXX, along with copies of all original documents signed by me, such as a Copy of the Note with full chain of assignments from XXXX to all parties, including PennyMac who claims to be owner of my loan at the same time as XXXX ; the name of the original Trust where XXXX placed my loan to hold as a pooled security ( in fact, myriad of different securities ), similar to PennyMacs Subordination, Acknowledgment and Pledge Agreement as of XX/XX/XXXX, between PNMAC XXXX ISSUER TRUST ( the Buyer ), and PENNYMAC HOLDINGS, LLC, as Pledgor ; Copy of Pooling and Servicing Agreement for the Trust ; the name and contact information for the Issuer ; Indenture Trustee ; Trusts Administrator/Board of Directors ; name of Custodian for XXXX who holds documents related to my loan ; copies of Subordinate Servicers Agreement between XXXX, XXXX and PennyMac ; copies of Transfer of Mortgage Servicing Rights between XXXX and PennyMac. \n\n( 4 ) Please also provide me a proof that my loan is still in Good Standing with XXXX and was not removed from XXXX custody by misrepresentation and deceit, similar to First Mortgage Corporations scheme to defraud investors in the sale of RMBS guaranteed by the XXXX XXXX. According to SEC investigation, XXXX pulled current, performing loans out of XXXX XXXX RMBS by falsely claiming they were delinquent in order to sell them at a profit into newly-issued RMBS. It is not a secret that PennyMac on XX/XX/XXXX issued XXXX XXXX shares of its Company where used my name and my signature on the loan as an asset/guarantee to attract investors. Please also provide me proof that I was informed about my role as a co-issuer/guarantor for PennyMacs Initial Public Offering ; and how much is my proportional share in this transaction. PennyMac expects to receive about {$190.00} XXXX using my name, my signature and my loan as collateral for this sale. Please also provide Affidavits in support of all charges ; and the full amortization of payments made on this loan, from the origination of the Loan XXXX until the present time, along with applicable interests ; all other documents required from Servicers/Owners/Investors in XXXX XXXX under XXXX XXXX Guide. If my loan was repurchased either by PennyMac or/and XXXX please state the reason why XXXXs sold XXXX securities backed by my loan ; and provide me a copy of re-purchasing Agreement along with the sale price. This is not private information since this information belongs to me as well, due to the Contract signed by me on XX/XX/XXXX with XXXX ; and disclosures mandated by many laws, rules and regulations ( 5 ) Please further explain why I owe you {$120000.00} if PennyMac even IF legitimately obtained rights to this debt already received a full benefit from their purchase, which was facilitated with other people money ( investors ) by secretly reselling my name, signature and reputation on the many times on the open market, without any TILA, RESPA, UCC disclosures about compensation received and without my consent. Moreover, PennyMac obtained additional benefit from selling shares of its Company to investors using my signature on the loan as a collateral for which PennyMac collected over {$21.00} per share, with a total amount XXXX shares, and generated over {$190.00} XXXX, none of which was disclosed to me and asked for my consent ; or shared with me as a profit from trading my name. Looks like PennyMac actually owes me a lot of money from trades, not I owe you anything. \nPennyMacs demand for debt payments claiming to be owner/investor constitutes that PennyMac is a third-party beneficiary under the Contract ( mortgage ) I signed with XXXX. Lender always has higher bargaining power when they sell mortgages and have access to all borrowers information. I do not have the same options since all operations are conducted in the highly secretive manner and create an inequality which put Lender in a greater negotiating position resulting in a disproportionate level of freedom between parties. While I as a borrower/promisor comply with my obligation under the contract and pay my bills, the Promise ( original Lender ) immediately received the full benefit of the bargain. I suspect that XXXX never invested any funds into this transaction and merely worked for XXXX for a fee. XXXX also immediately received a full benefit from their investment within 30 days after they packaged loans into securities, supposedly placed them in Trusts, including their XXXX XXXX XXXX Issuer Trust ( DE Statutory Trust ) where XXXX sells its thin-air Mortgage Servicing Rights in 1031 Exchange manner, in conflict with XXXX XXXX  Guide ; and sold my loan to thousands of parties thus breached their obligation to disclose that here are other beneficiarieswho are not a part of this contract but who act like they are creditor beneficiaries. I did not found if my mortgage specifically named these beneficiaries as a party who expressed their assent to my contract with XXXX as required by UCC, TILA and RESPA.\n\n( 6 ) Please provide me proof that PennyMac is a legitimate beneficiary to my Contract with XXXX ; and at the time of Closing manifested their awareness and assent as third-parties beneficiaries who will receive benefits of this bargain, backed by my home as a security for my loan ; and provided me disclosures under TILA ; RESPA ; and other laws. I am not aware about any PennyMacs detrimental reliance either.\n\n( 7 ) Provide me copies of Purchase Agreements between XXXX, XXXX and PennyMac to prove that my loan with XXXX was actually sold and PennyMac is a legitimate owner/investor, along with copies of any papers that show I agreed to pay what you say I owe you ; the name of Trust which currently holds my loan as a security for benefit of PennyMac ; Trust Pooling and Servicing Agreement ; as required by IRS Rule 26-860G ; and SEC Exchange Act of 1934 ; proof of Trusts valid registration with SEC and IRS Directory ( Pub. 938 ) Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. \nAlso during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any late fees on my loan ; any harassing phone calls ; listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. \nIf your offices fail to respond to this validation request within 30 days from the date of your receipt, I assume that this debt is not valid and your demand to collect was unlawful and void. \nI would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. \n\nIt would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. \n\nBest Regards, XXXX XXXX","date_sent_to_company":"2019-06-24T09:58:28.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"490XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3284591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2019-06-24T09:21:57.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I was not informed about my real role as an Issuer/Guarantor for Mortgage-Backed <em>Securities</em> ( MBS ) and many other trading products ; and profits received by selling my name, my signature, my reputation, my home on the open markets several times a day, in small tranches, including but not limited to thin-air <em>securities</em> like Mortgage Servicing Rights ( MSR )."]},"sort":[5.1422424,"3284591"]},{"_index":"complaint-public-v1","_id":"7950010","_score":4.7302537,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened my Citizens Bank account in XXXX XXXX XXXX Since starting an account with Citizens, I have overdrafted the account unintentionally and have consistently cured the overdraft within 24 hours with recent exception to a 2 day period in which I did not realize that I had an overdraft. I have banked with my previous institution for over 6 years and they did not offer an overdraft protection program for Debits. I did not realize that Citizens was allowing me to overdraft for debit transactions and was not notified until the following morning ( almost 24 hours later ) that I had overdrafted my account. I understand that it is my responsibility to monitor my account. My fiance and I have had a lot of moving parts with our finances due to the insurance payouts and waiting for payment back from insurance but this is not typical for me to allow my balance to become low. If you look at the monthly average of deposit there is not typically a need for me to be in a deficet nor was I depending on Citizen 's to carry the burden. As stated in the Citizens Personal Banking Terms and Conditions : X. Insufficient Funds, Overdrafts and Returned Items : If you provide your consent, then we reserve the right on a case-by-case basis to authorize and pay, at our discretion, such an ATM item or a non-repeating everyday debit card item, and charge you an Overdraft Fee. However, if you have not permitted us to pay these types of items, then we will decline the transaction and will not charge you an Overdraft Fee. \nWe are under no obligation to pay an item and create an overdraft. Our honoring of one or more overdrafts does not obligate us to honor any future overdrafts, and you should not rely on us to honor an overdraft even if we have done so in the past As stated above, Citizens at its discretion, authorized the overdrafts on my account. I have never called and asked for the fees to be removed or argued that the overdrafts were not correct. I simply paid the fee whilst bringing my account to current. \n\nFast forward to XX/XX/XXXX, my XXXX  signed his payroll check over to me as he frequently does as he does not do well with transferring, paying his bills etc. I deposited this check on XX/XX/XXXX. I also deposited a check from the owner of the company that I XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) in the amount of {$20000.00}. Which he has since communicated with his bank XXXX XXXX XXXX XXXX  ) is valid and authorized. \n\nThe morning of XX/XX/XXXX, I checked my account around XXXX. The negative balance had been cured as my XXXX check had posted. The {$20000.00} check had posted {$200.00} with the rest pending. I had expected that to happen and went on with my morning. About an hour later, I went to use my card at a convenient store and it was declined. I immediately went to log into my mobile app and it said my username & password were incorrect. When I tried to reset my mobile credentials by using my social security number, it said my account could not be found using my social. I checked my missed calls, texts and emails, there were no notifications from Citizens. \n\nI am not concerned about the {$20000.00} check from XXXX XXXX XXXX taking additional time to post. It is not a typical transaction for me although it is valid and authorized. \n\nI am concerned because I have XXXX XXXX bills, and XXXX coming up. I am going to have my electricity and cable turned off, and my housing payment has not been made as it is the first week of the month. \n\nHad my account NOT been frozen, I would have had access to my normal direct deposit of {$2300.00} regardless of if the XXXX check cleared and I would have been able to make arrangements with my current bills. I had to ask my employer to hold my direct deposit and write a check so that these funds would not also be frozen as well. IF i had not contacted my employer in time, I would have had zero access to funds for myself or my family for the last 5 days. Again, I have XXXX XXXX \n\nI immediately called customer service after finding out my card was not working. They told me that my account was under review and I could not use my debit card or mobile banking. From XX/XX/XXXX until today, I have not been contacted by Citizens in any way shape or form to inform me that my account is being held. I have initiated every single conversation asking when my account will be active so that I can pay by bills and cure accounts that are trying to charge my account. I have called and spoken with numerous representatives. \n\n-Telephone Rep : Account is under review and frozen and they can not give me any other information. \n\n-Phone Rep : Account under review need to wait for letter in the next 2-3 days but did not think account would close permanently. \n\nXXXX XXXX XXXX XXXX XXXX  : Stated it is likely under review because of XXXX check. When I asked why Citizens is blocking my entire account and not just the check by itself, he said he did not know and that it did not seem right and to wait a couple of days and he was sure everything would be cleared up and I could come in for a new debit card. \n\nPhone Rep : Account is under review, no other information, no deadline as to when I will hear from the bank regarding this freeze. Could take 2 days, could take 1 year. There is no answer that they can provide me. No other party I can speak to. \n\nPhone Rep : I cant tell you why account is under review. The bank can do it for any reason they want based on terms and conditions and they do not have to provide a reason. No deadline. Nobody to speak to. \n\nXXXX  Bank Teller : Very nice. Apologized and said this is not right and she feels someone made a mistake. Citizens should not be holding the check and freezing my entire account at the same time. Said to make an appointment with branch manager but that he would not return until XXXX and I told her I could not wait that long to have access to my account. I have obligations to pay my bills from this account and 2 very major bills due at the end of the week. \n\nPhone Rep : Account is under review for fraudulent activity, then when transferred to a supervisor I am told this is not true. When I asked to speak with the back office, I was told by the supervisor that it is not possible for me to speak with them and the supervisor also said that he does not have any contact with them. \n\nXXXX Branch Manager : Called back office and was told it is because of overdrafts. I explained to her our recent flucuations with the insurance company and that this is not typical. I asked if I could talk to someone making these decisions to explain my side. She said no that was not possible. She said that the XXXX check will post on Friday and if Citizens does not reopen my account that I can come and withdrawal the funds and there may be some \" other options ''. \n\nI find this odd as I have almost immediately cured any over drafts that Citizen 's authorized themselves and paid the Fees. Most recently {$170.00} paid to citizens in good faith for transactions that Citizens ultimately authorized. If I was in a position that my account may be closed due to overdrafts, why is citizens still allowing them? Why would they not warn me that this could happen or take away the ability to do so. \n\nThis is completely hindering my ability to meet my fnancial obligations in terms of essential living and support my XXXX children. My mother has been assisting because she feels she has no choice because I am getting nowhere with the bank at this point. \n\nI have not received any solid information from calls and visits initiaed with Citizens employees but I am even more disappointed that I have not received one notification from Citizens warning me about overdrafts potentially causing account closure ( even when authorized by them and PAID by me ) and I have not received a single notification from Citizens even notifying me that my account is completely frozen. \n\nI would like Citizens to unfreeze my account and allow me to bank the way that I typically do ... Without overdrafting. Finally, our insurance claim is over and I have received this payment from my boss to assist in catching up from this mess of a year. I finally have an opportunity to sort out my financial situation and begin to live normally again, and Citizens blocks my account. It is extremely discouraging- especially when I can not even get a straight answer. I am an honest and hard working person- I deserve an answer or a solution at minimum. \n\nPlease provide some information so that I can project the holidays and the upcoming month of finances for myself and my children. \n\nThank you, XXXX XXXX","date_sent_to_company":"2023-12-05T07:18:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"02038","tags":null,"has_narrative":true,"complaint_id":"7950010","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2023-12-05T05:47:45.000Z","state":"MA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["My mother has been assisting because she feels she has no <em>choice</em> because I am getting nowhere with the bank at this 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