{"took":182,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":11,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5322137","_score":15.269917,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I began being on hold with my cell phone at 45 % it is currently at 6 % and typically they hang up on me or my battery will die prior to getting any service I have been on hold now for over XXXX Minutes and I have check payday loans that I have to her and I have a house note that I have to pay housing I have electricity yet I have to have medically I have water that I have to pay I have groceries that I have to pay and if I don't pay a payday loan they charge me extra if I don't pay my house note they charge me extra and the whole point of being on social security for all those basic that I just meant that you're on a fixed budget these people can not afford to mess up what do not look forward to take the longest break possible because it's inhumane treatment. Is malfeasance in office. It's a failure for duty to care. I have filled out this Consumer Protection Bureau report wow I have been on hold wish they have a general time frame on how long it even takes to complete this form. I have been on hold and abusively mystery by Direct Express. If I'm unable to use my card and I can not pay for food housing Transportation water electricity payday loans then it appears that I'm committing a crime and I am not. It is bad enough that they have already released all mentally ill people and all expiring from the prison that have signed me up for checks all over the United States and I have not signed up for a checking account but they write me up for checking accounts and credit union account and I have never signed up for such. So now by a legitimate business and without any other body out nobody else to help me nobody else to give me money nobody else to pay my bills no saying you could have a savings for such mishaps with the federal government from their bad contractual service and I believe that they the Gators against on this because they're causing harm and it can make me homeless it can make me XXXX it can make me suffer in pain from having not having access to my friends. Security of having to answer all three questions in my PIN number I text me an address every account that I can have because their stuff has all my information. Because of government is hiring such people as well it's a security risk. It's bad enough when you walk into a store they can read your card when you go to the double doors and there's no security either so I need help can't get any money I can't go to the welfare office because it meant to say you have money on your card. XXXX. Direct Express XXXX Direct Express is a service market for the US Department of Treasury to Comerica Bank however it is a independent business add the treasury explain to me with no competitors. I have {$20.00} or more missing off of my card sometimes sometimes up to {$100.00} for {$200.00} I'll add my complaint and when I make my complaint they mail it back later checking into it and stated that was as a result I got my refund just because they took the complaint and gave me a notice that they had received it. Today is XX/XX/2022 and I was on hold XX/XX/XXXX for XXXX hours and on XX/XX/2022 and then on hold for her they say minimum of XXXX minutes and I'm still on hold. The problem is that they when they confirm I called when the staff answers they ask for my card number they ask for my PIN number and I am not able to use my pain I feel like it is a breach of security for them to ask me my PIN number which defeats the whole purpose of security and violate my privacy. They also when they send me a new card like the card for this month I'm just unable to use it I have to call them to tell them my PIN number to register it and it's not because the car is not working they have always been like this. They transferred my card from the other initial card number telephone number and I am a healthy mentally and emotionally person I have a physical injury and other people that I know that have physical XXXX we were all on one card and they separated my card and they were not supposed to. Don't let it ruin the issue is they asked me for my PIN number on calling in to talk about whatever number to the issue is when I get a new card the tell me to call them to register a new number and I lost my card and don't let me use it if it's problem number XXXX and tell me to call them to give them my PIN number it is not a hacker is that you direct express staff. Number for as a result I have been having a problem with him and I'm not able to withdraw money to eat to have transportation heat water electricity and to pay my bills and I have no other source of income due to my health and I have a check payday rooms and stuff like that and how do you pay for and they don't answer the phone line it seems that your attitude is your unemployed and unemployable anyway so we'll make you wait from XXXX minutes to a few hours and then often time I had to call right back for the same issue for it has not been handled. I already called them on this issue she said she reset my card and that I should be able to punch in a PIN number and use my card and I'm not able to. For the fact that they have so many people using my voice change where they can change their voice different dialects your people rate in the XXXX that are scamming people for their cars and I have a problem with this that no one 's doing anything about it to just type the FDIC or the FCC dispose listen to radio Transmissions is not paying attention to those people that are using software to change your voice is in the XXXX. XXXX problems","date_sent_to_company":"2022-03-14T22:52:21.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"48197","tags":null,"has_narrative":true,"complaint_id":"5322137","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Comerica","date_received":"2022-03-14T22:27:33.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem using the card to withdraw money from an ATM"},"highlight":{"complaint_what_happened":["for all <em>those</em> <em>basic</em> that I <em>just</em> <em>meant</em> that you're on a fixed budget these people can not afford to mess up what do not look forward to take the longest break possible because it's inhumane treatment."]},"sort":[15.269917,"5322137"]},{"_index":"complaint-public-v1","_id":"19136366","_score":13.359785,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, I am writing this letter as a formal executive-level complaint regarding the severe and ongoing financial hardship Ally Bank has caused me and my child due to prolonged and repeated failures that left me without access to my own funds since before XX/XX/XXXX. \n\nThis experience has been devastating, destabilizing, and entirely avoidable. \n\nI opened my Ally account believing, reasonably and in line with industry standards, that a debit card and checks would be automatically issued, as they are with traditional banks. I was never clearly informed that Ally does not issue a debit card unless funds are first deposited, a policy that immediately placed me at a disadvantage without my knowledge. \n\nOnce I learned this, I arranged for a small deposit of XXXX XXXX  to trigger the debit card order. Instead of issuing the card, Ally locked and then closed my account for security reasons related to that deposit, despite it being a legitimate attempt to access my own money. After the lock was released, I waited over a week for a debit card that never arrived. \n\nDuring this time, I had funds in my account but no debit card, no linked external bank, and no immediate access to XXXX. I was left with absolutely no way to access my money. This meant : No ability to buy food No gas for my car No ability to pay rent or bills No ability to provide basic necessities for my child I contacted Ally again only to learn that my debit card had been canceled as lost without my knowledge, and critically, no replacement was ever ordered. This decision was made without informing me and extended the period of financial harm. \n\nAt no point during this process did Ally take meaningful action to mitigate the harm being caused. Given the severity of the situation, something should have been done beyond repeatedly apologizing for the inconvenience. A verbal apology does not resolve food insecurity, missed rent, lack of transportation, or the impact on a child. Ally had multiple opportunities to intervene, escalate, expedite, or provide an alternative solution, and failed to do so each time. \n\nI was then advised to link another bank account, which required 45 business days for transfer, time I did not have. Creditors were already waiting. I had exhausted all extensions. I was transparent with those I owed and asked them to bear with me while Ally resolved this issue, but patience has limits when rent, utilities, and food are involved. \n\nAs of XX/XX/XXXX, after exhausting every option, I finally found someone I could XXXX funds to. I initiated the transfer only to be informed after the fact that the funds would not be available until Monday, XX/XX/XXXX. This delay was not clearly disclosed beforehand. \n\nAt this point : The {$1300.00} is no longer in my account It is not available to the recipient It can not be canceled Ally has stated that there is nothing that can be done I am now left with no money for the weekend, no way to feed my child, no gas to drive, and no ability to meet my financial obligations, despite the money belonging to me and being present in my account just hours earlier.\n\nThis situation was compounded by a snowstorm, during which I was unable to purchase essential supplies either before or after due to Allys failures. The emotional toll of explaining to my child why basic needs can not be met, despite having money in the bank, is something I will not forget.\n\nWhat has been most alarming throughout this ordeal is that Allys response has been limited to apologies, with no urgency, no corrective action, and no acknowledgment of the severity of the harm caused. This was not a minor inconvenience it was financial deprivation, and it directly impacted a child.\n\nI am formally requesting : 1. Immediate executive review of my account handling 2. A written explanation for each failure outlined above 3. Immediate remediation of my funds or documented justification for the delay 4. An explanation of why no emergency or hardship-based intervention was offered 5. Assurance that this pattern of harm will not occur to other customers Due to the seriousness of this matter, I am documenting this experience with federal regulators. I expect a prompt, written response.","date_sent_to_company":"2026-01-30T17:52:36.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"18017","tags":null,"has_narrative":true,"complaint_id":"19136366","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2026-01-30T17:46:05.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["This <em>meant</em> : No ability to buy food No gas for my car No ability to pay rent or bills No ability to provide <em>basic</em> necessities for my child I contacted Ally again only to learn that my debit card had been canceled as lost without my knowledge, and critically, no replacement was ever ordered. This decision was made without informing me and extended the period of financial harm. \n\nAt no point during this process did Ally take meaningful action to mitigate the harm being caused."]},"sort":[13.359785,"19136366"]},{"_index":"complaint-public-v1","_id":"4043077","_score":7.1648407,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB, Please find my demand to extend until XX/XX/XXXX, as provided by CARES Act, forbearance on repayment of my COMMISSION for involuntary servitude ( unpaid labor or slavery ) to Big Investment Banks each of whom operate a Ponzi Scheme with Pension Funds and other investors by selling BETS on securitized information based on my identity ( aka identity theft and identity trafficking ) for unjust enrichment masqueraded as a repayment of mortgage debt. \n\nI submit this request through PennyMac, a fictitious servicer and fake owner of my purported debt since the REAL parties - XXXX XXXX with whom PennyMac has numerous repurchase agreements ; who is currently controls PennyMac by \" buying '' most it its \" shares '' and where Mr. XXXX XXXX worked in XXXX before he was called back to action to cover XXXX XXXX fraud with derivatives ; XXXX  XXXX XXXX who cash my payments ; and other Wall Street stockbrokers want to hide behind a chain of fictitious intermediaries who call themselves servicers I also submit this request to the REAL servicers, XXXX XXXX ( former XXXX XXXX ) and XXXX who actually collect my repayments of commission via third-parties lockbox companies XXXX and its branch XXXX to forward them to Wall Street Stockbrokers as tax-free revenue while PennyMac  never touched a cent from money they purportedly \" collect '' from me. \n\nBear to repeat, PennyMac appeared in XX/XX/XXXX and started to lie non-stop that they purchased my loan and now investors and owners of my obligation. When I asked PennyMac who SOLD them my loan - PennyMac was never able to respond ; and nobody confirmed to be a Seller of my so-called \" loan '' to PennyMac. No need to say, all my demands to identify the Seller, provide me prove of sale as required by UCC Art 9, 203 ; and provide me a release of lien by the prior \" owner '' are ignored,. \n\nWhen I asked PennyMac why my mortgage payments are pocketed by XXXX  XXXX XXXX XXXX XXXX branch of Federal Reserve, PennyMac lied that they collect money to pass it to XXXX XXXX XXXX XXXX as a Trustee for a fictitious Trust ( obviously created by Mr. XXXX XXXX from his sick imagination ) XXXX   purportedly pass my payments to investors - who according to another respond is PennyMac. ALL of these statements are absurd blatant lies but since Wall Street Banks control American Government and flooded all public offices with its Bankers ( like Mr. XXXX, former XXXX XXXX employee and CEO of XXXX XXXX  ; Mr. XXXX, former OCC and XXXX CEO ; Mr. XXXX, OCC and former XXXX CEO ; Mr. XXXX, who defrauded investors from over {$5.00} XXXX as XXXX XXXX CEO and who lied to Senators Peters about Issuer XXXX ) - nobody is willing to do anything, Yet, neither VA or XXXX XXXX or anyone else can identify THE SELLER of my loan to PennyMac ; as well as no one can tell which Company has my so-called loan on their account receivable as an asset and to whom they purportedly guarantee my payments In XX/XX/XXXX XXXX XXXX filed a legal case against PennyMac for theft of proprietory secrets - such as stealing borrowers DATA from XXXX XXXX MSP to use it for its own unjust enrichment. \n\nOn XX/XX/XXXX PennyMac was removed from XXXX XXXX XXXX XXXX ( which is exclusively used by all GSEs, particularly VA to whom XXXX XXXX provide information about DATA related to some non-existing loan accounts, thus without access to this system PennyMac can not service aka see data about any loans. \n\nSince XX/XX/XXXX my property taxes are paid by XXXX ( who along with XXXX XXXX are forging documents for illegal foreclosures which they pass to mill lawyers who present this fraud in all Courts ). All my repayments of one-time commission ( mislabeled as loan ) still collected by XXXX  XXXX XXXX - but obviously not for benefit of any investors ; and even more definitely PennyMac does not have any relationship to servicing anyones accounts, they merely pose as Servicers, for a fee. \n\nThese servicers like XXXX and PennyMac ( aka XXXX  ) are working for a fictitious entity that had not paid for nor did it own any loan nor the underlying obligation, The servicer had been inserted to imply the existence of a loan account receivable in order to foreclose. \n\nFORECLOSURE is the real purpose of EVERY home purchase in America since it helps to produce a windfall of profits on Investment Banks like XXXX XXXX and XXXX ; cover for fatally damaged Titles and initiate a new securities scheme by selling stolen properties to new buyers, N o servicer has ever asserted or demonstrated that it was the bookkeeper for the accounting statements of the party named as a claimant in a foreclosure. They could neither state the identity of anyone who owned the underlying obligation nor could they tell us who received the money that I was paying. In fact, neither of the fake Servicers - XXXX and PennyMac - were neither receiving any money nor were they keeping the books. this was all funneled to thrid-party vendors mostly controlled by XXXX XXXX. \n\nForeclosure is the method by which the myth of the existence of a loan transaction was reinforced. Because the labels were consistently applied by the conduits, sham entities, and lawyers employed by the investment banks, and because the true nature of the deal had been consistently concealed, everyone believed the false narrative that the transactions with homeowners had been loans and that the holders of certificates were investors in those loans. \n\nThe concealment was successful and so millions of Americans were forced out of their homes by a void foreclosure process that resulted in revenue distributed to the various players in the foreclosure scheme and the various players in the securities scheme. But not all of them were forced out. Many, if not most, simply left the biggest asset of their lives because they did not understand that the money they had received was not a loan, it was a payment for their participation in launching the securities scheme that netted millions of dollars for each so-called loan. \n\nAnd continuing collection and foreclosure in that context is cruel and inhumane. On average homeowners were paid around 8 % of the total revenue which seems fair. But then the deal was disguised as a loan which meant that the payment for their services had to be returned by the homeowner. This leaves the homeowner with negative consideration for sponsoring a securities scheme that made unconscionable profits through fraud and deceit. \n\nIf the investment bank wants that money back then they are admitting they never had any intent to honor any contract with the homeowner. They are seeking to leave the homeowner with negative consideration for the deal loss of equity because of inflated appraisals and nonviable payback schemes, plus loss of the only consideration they received from the investment bank, plus the interest paid, leaving all homeowners in a deeply negative position. \n\nThe loan agreement was no enforceable partly for the same reason that the securities deal is not enforceable. As a result of concealment, there could be no meeting of the minds the most basic element of an enforceable contract. And here again, consideration was totally absent. The investment bank was operating through sham conduits to lure the homeowner into what was labeled as a loan. but the investment bank had no lending intent nor any intention of establishing a loan account receivable on the accounting ledgers of any company or business entity. the loan simply did not exist to the investment bank. It only existed in the minds of the homeowner who accepted the label of borrower. \n\nThe homeowner borrower then issued a note and mortgage and the signature on other loan documents because of the belief that everyone involved was telling the truth and was operating in compliance with lending laws and common sense for lending transactions. In other words, the homeowner was operating under a false assumption created by lies, deceit, and concealment. The homeowner was not purchasing a loan product as you have seen above. There was no loan product. The homeowner was issuing the note as payment for something he/she never received. \n\nWhen I contacted VA, XXXX XXXX and HUD representative, nobody can answer to WHOM they guarantee payments on my purported loan account and ALL their information about loans is based on MSP, which is a computer platform owned by XXXX XXXX ( who confirmed that they servicing 62 % of ALL loans ; and controlled by XXXX XXXX XXXX  who are the actual parties behind every home purchase. \n\nIn XX/XX/XXXX to present time Federal Reserve purportedly started to buy trillions worth of so-called Mortgage Backed Securities ( no-existing ) from XXXX XXXX and all GSEs. No single homeowner received any Notices about such drastic change in ownership - because all these sales are fiction to defraud investors and homeowners. \n\nFederal Reserve merely changed GSEs names with one of its owners-banks like XXXX XXXX, XXXX XXXX, XXXX XXXX, ect. as assignment - which was once again never disclosed to any homeowners. \n\nNow Federal Reserve ( a common fund owned by private families, most of whom are Wall Street Stockbrokers ) offers very low rates on return of the payment to borrowers for undisclosed participation in Wall Street Ponzi Scheme - which is another scam to create more foreclosures as profits for Big Banks. \n\nThey paid the homeowner to acknowledge the existence of a fictitious loan transaction so that the investment bank could sell securities that were unrelated to ownership of the loan. \n\nThat money is far from cheap. Big Banks will take everything we have and more. And this is that Big Banks are doing during last 20 years - defraud, steal and defraud again. All with total impunity. \n\nSince XXXX to present time Wall Street Stockbrokers RECEIVED HUGE PAYMENTS BUT THEY ARE TRYING TO GET THE PROPERTY TOO AS WINDFALL TO ONE OR MORE OF THESE FRAUDULENT PLAYERS. THE BORROWER IS LEFT HOLDING THE BAG WHILE EVERYONE ELSE GETS PAID The most reliable indicator of housing value came from a simple proposition : median income ultimately determines value because median income determines what people can pay. According to Federal guidelines, a transaction labeled as a loan is only viable if the payments do not exceed 31 % of household income. So do the math. {$68000.00} per year is {$5700.00} per month. 31 % percent of that is {$1700.00} the maximum amount that the household can safely afford to pay for a mortgage payment. The average 30 year fixed rate is 4 %. So that payment could service a maximum loan product of around {$360000.00}. And that is how a house zoomsup in price but not in value. \n\nThe problem with those computations is that they are riddled with fallacies and lies. It assumes that gross income can be measured by the wages of the household when the first dollars the can be spent on living are now around 20 % less than gross income. So the real viability equation would reflect median household income to be around {$4600.00} a figure to which virtually every wage earner in America can attest. That in turn reduces the highest servicing payment for a mortgage payment to be reduced to {$1400.00}. So a conforming so-called loan is actually nonviable despite the apparent compliance with Federal guidelines. In fact, that family can only afford a mortgage loan of around {$280000.00} but they have a {$360000.00} loan. \n\nSince homebuyers were already underwater at the start of the deal, they will be wiped out when the foreclosures start either directly by foreclosure or indirectly as the prices of homes come down relative to median income. \n\nMeanwhile, the Wall Street investment bank that sold them that deal and who labeled it as a loan never intended and never allowed itself to be a lender who was required to conform to requirements in lending and consumer protection laws. They paid the homeowner to acknowledge the existence of a fictitious loan transaction so that the investment bank could sell securities that were unrelated to ownership of the loan. They made at least {$4.00} XXXX on the deal with the homeowner ( reported as {$360000.00} ). \n\nSo in a rinse-repeat of XXXX-XXXX, millions of homeowners will go into foreclosure, the economy will suffer from another recession, and the investment banks will be laughing all the way to their offshore piggy banks that now amount to many trillions of dollars siphoned out of U.S. households. \n\nThis is all happening because very few people are even curious enough to learn what happened in the mortgage meltdown. While in fact people like myself homeowners must have titles and possession to their homes as just compensation for the securities scheme, while Big Banks do anything possible to make families to lose their homes in legal proceedings that are falsely labeled as foreclosures. \n\nSo why are Wall Street investment bankers giving out money on these terms? The answer is simple. first, they are making {$4.00} XXXX on the deal. Second, they are only paying a small fraction to the homeowner and they are luring the homeowner into a disguised deal that requires the homeowner to pay back the only compensation he/she ever received plus interest. It costs nothing for investment banks to get into this deal. No risk of loss. No risk of sanctions for violating lending laws because they never become lenders. No loan account receivable to charge off so nothing to report to shareholders about any losses arising from homeowners not making scheduled payments. Wouldnt you do that deal if you were in the position of the investment bank? \n\nBut since PennyMac continues to lie and all so-called consumer protection agencies continues to cover for these lies and tell the same lies from Wall Street Banks scripts - I use them as intermediaries with Big Banks to demand to extend my forbearance of repayment of my COMMISSION for involuntary servitude to Big Investment Banks ( XXXX XXXX XXXX, XXXX XXXX and whoever else operates its derivatives schemes based by trading and trafficking my identity on the open markets, a full investigation, compensation for financial services at least 20 % and compensation for extreme emotional distress, total no less than {$50.00} XXXX. \n\nRegards XXXX XXXX","date_sent_to_company":"2021-01-01T12:09:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"490XX","tags":null,"has_narrative":true,"complaint_id":"4043077","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2021-01-01T11:44:08.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["The loan agreement was no enforceable partly for the same reason that the <em>securities</em> deal is not enforceable. As a result of concealment, there could be no meeting of the minds the most <em>basic</em> element of an enforceable contract. And here again, consideration was totally absent."]},"sort":[7.1648407,"4043077"]},{"_index":"complaint-public-v1","_id":"7439441","_score":6.614416,"_source":{"product":"Mortgage","complaint_what_happened":"To Whom It May Concern ; My name is XXXX XXXX and I have a mortgage loan with CMG Financial that is backed by the USDA. My loan number is XXXX. Last year XXXX ran through my house three times and placed a huge strain on my family. I ended up with XXXX XXXX XXXX XXXX right after one bout, it probably would have happened eventually but the stress of wondering if my kids were going to die at times really sped up a XXXX XXXX \nI reached out to CMG to see if I could get help with one month, make payment arrangements... something. We had a lot of extra expenses due to this streak of illness and we wanted to let the mortgage company know what was taking place as we felt we could possibly be late with a payment. The gentleman on the phone said they would give me a forbearance for three months and they would tack it on to the end of the loan. At the end of all of this, I found out that CMG does not just tack it on the end of the loan and I would have to participate in a loss mitigation option. I can pay for my home, we are free from XXXX, my health condition is under control and closely monitored by my doctors, so I naturally want to keep my home and opted for the modification process. It has been a total nightmare! I call every week and get told everything is fine or they need one more item. I always get them what they say they are missing right away. After you send in a missing item it takes them 30 days to review it, after those 30 days it is always the same response ... another item is missing. It seems like the underwriter doesn't do a complete review. It appears once the underwriter finds an unacceptable/missing item they stop working on the file instead of doing a complete review and asking for everything at once. It was like running in a hamster wheel until I was told that I was denied due to a high DTI. \nHere is what transpired on three phone calls ( that I have recordings of ) after I was denied and requested a new package : XX/XX/2023 I called at XXXX XXXX  and spoke to XXXX XXXX XXXX XXXX XXXX. She was extremely polite, nice, and helpful. I gave her permission to speak to my friend XXXX who has worked in the mortgage industry before because I feel lost, XXXX and defeated. XXXX placed every call on speakerphone so I could hear the conversation and answer any questions that she may not know. She advised XXXX that she is a SPOC. She said this was the first time looking at the file. \nXXXX said every time I call, I speak to someone different and asked if there was a group or team assigned to my file so that I truly have a single point of contact. XXXX XXXX said there was not and that is not how her department is set up. She admitted in essence I don't have a SPOC because of the way CMG is structured. She said that the underwriter calculated our income at {$5800.00} although my husband 's paystub for the end of XXXX shows {$25000.00} and we have social CMG please also use this as my hardship letter as it is detailed in Paragraph 1 & 2 security grossed up at {$3200.00}. She said that she did not understand it either and that I could appeal it or reapply. XXXX asked, \" even though there is gross negligence on this file, and it is obvious that there was no due diligence performed on this modification package, our only option was to reapply or appeal? '' She said that was correct, there was no way to reach out to management or to get someone else to review the file. We questioned what the process is to ensure negligence wasn't performed on the next package that I send in and was told there is no way to make sure that doesn't happen or to escalate it to management per the corporate format of CMG. The underwriter said our dti was over 36 % and it was denied so options are to appeal or reapply if we want a modification. \nI then called back because XXXX  as I had a few more questions and I was connected to employee XXXX XXXX XXXX XXXX She was the least helpful person I think I have ever dealt with while doing business. On speakerphone, I again authorized my friend XXXX to talk to her. \nMy XXXX daughter lives with me and I was wondering if we could count her income because I did some research and learned that most likely I could. She told XXXX that we could use my daughter 's income. XXXX asked if CMG would pull her credit and she said didn't know and could not tell us. XXXX asked her to reach out to someone and ask because anytime someone pulls your credit, they are obligated to inform you legally. She came back and said they would not pull my daughter 's credit. She seemed unable to ask almost any question and unmotivated to look anything up. \" I don't know '' was an appropriate answer for most questions for her. XXXX asked to speak to a manager, and she said they were refusing to take a call. XXXX asked for the manager 's name, and she refused to give that out and said she had been instructed to not tell her manager 's name. So, we could not talk to anyone but her ( she said research was also refusing to take calls ), was not offered a callback, was not allowed to know her manager 's name, and not offered help. She said if XXXX had a problem with it to write a letter and reference this call. XXXX advised her that the call was being recorded and she said we were not allowed to do that, but XXXX reminded her that she advised at the beginning of the call that it was recorded. \nWe tried to call again to maybe get someone as nice as XXXX XXXX to answer our questions and we got XXXX XXXX XXXX XXXX XXXX XXXX I advised her I would like her to speak to XXXX. This rude human being had the nerve to ask ... \" well, why can't you talk? ''!!!!!!!!!!!!!!!!!!!!! l!!! I!!!!!!!!!! \nWhere is it okay to work and treat someone like that? I understand that the CMG SPOCS that I have interacted with are not versed in loss mitigation, but I have been very patient with this. I will not be patient with someone who treats me like I am stupid!?!?!?!?!?!? I am so glad that she put me on hold for a very long time and let me speak to XXXX XXXX XXXX XXXX XXXX XXXX  was so nice and patient. She also admitted she had never seen the file. She advised my only modification option was to appeal this decision also. There was no manager or any system in place to do anything else. She did try to trick me into saying my hardship was not resolved and I really didn't appreciate that too much as my hardship is done. Maybe someone at CMG can listen to that phone call and coach her, letting her know that is not appropriate. She then transferred me to research where I let XXXX speak to XXXX XXXX, his ID # XXXX. He said they pull credit, and they look at the credit score. He said he could not tell me what the qualifying score was, that he was privy to that information, but customers are not allowed to know. I have later learned this isn't true at all and that the score doesn't matter at all. XXXX tried to explain that it was super obvious our income was miscalculated, and he said that income had nothing to do with it, I was denied due to DTI. XXXX realized that he knew very little and wasn't a subject matter expert if he didn't know what DTI meant so she ended the phone call. A mortgage company should know basic mortgage lingo and I feel so helpless. It seemed like he walked through the door, and someone handed him a phone. The answers he gave were incorrect and he was not familiar with mortgages. He admitted to not ever working in the mortgage industry but was who CMG put on the phone for an escalated call pertaining to mortgages. Who is supposed to help me? \nHopefully you see my dilemma. No one that I speak to knows what is going on with my file. No one in loss mitigation at CMG Financial seems to be able to answer anything about the specifics of modifications or mortgages. The home that I love, that houses my children,","date_sent_to_company":"2023-08-22T23:35:44.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"410XX","tags":null,"has_narrative":true,"complaint_id":"7439441","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"CMG Financial Services, Inc.","date_received":"2023-08-22T23:27:15.000Z","state":"KY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX realized that he knew very little and wasn't a subject matter expert if he didn't know what DTI <em>meant</em> so she ended the phone call. A mortgage company should know <em>basic</em> mortgage lingo and I feel so helpless. It seemed like he walked through the door, and someone handed him a phone. The answers he gave were incorrect and he was not familiar with mortgages. He admitted to not ever working in the mortgage industry but was who CMG put on the phone for an escalated call pertaining to mortgages."]},"sort":[6.614416,"7439441"]},{"_index":"complaint-public-v1","_id":"4230083","_score":6.369921,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX Timeline of Events, XX/XX/XXXX-XX/XX/XXXX : Any \" ____ '' indicate redacted information that was then submitted to CFPB confidentially and securely following this initial report. \n\nOn Friday, XX/XX/XXXX, I discovered on my XXXX XXXX account that I had a collection at Grant & Weber , Inc. for a total of $ ____from the original creditor, ______ ( See Attachment 1 ). I received an Info Alert '' alerting me that the amount you owe in collections has increased to ___ ( See Attachment 2 ). By that date, I had not received any written communications, phone calls, emails, or any other communications from Grant & Weber , Inc. that I had a debt in collections with Grant & Weber , Inc .\n\nI called Grant & Weber , Inc. at XXXX between XXXX XXXX  and XXXX XXXX  MST on XX/XX/XXXX, in an attempt to get this resolved. I spoke with a gentleman who stated the call would be recorded. I did not have an account number associated with this account, and supplied my social security number and name for verification. He stated this account had been opened regarding a medical procedure on ___, XXXX, and verified with me that this was for a colonoscopy procedure. He was able to see my medical information at this point and shared such information with me. He asked me to verify my insurance information with him, to which I supplied that I had ______ insurance but that it had expired on XX/XX/XXXX. He stated that this information was not in his system, and he would need to see why. I stated that I have never received any written notification of this bill in collections by Grant & Weber, and asked what address was on file. He stated that the address on file was from ____County , ____, but would not give a physical address. I stated that as of this date ( XX/XX/XXXX ), I had not lived in ____County , _____ since XX/XX/XXXX and wanted to know where this address came from, and stated to him that I have lived in another county in _____since late XXXX, and supplied my new address with multiple agencies within the healthcare system in _____, with my insurance company that was supplied through my employer, and with the hospital prior to my procedure in _____XXXX. I verified my phone number with the representative, and asked how to resolve this given that I had not received any written notice and that interest was clearly accumulating. The representative told me that he would forward this information to his supervisor and that I should be receiving a call from his office within one to two weeks. I requested that a voicemail be left if I do not answer. \n\nI then texted and called my sister to ask for advice on how to handle this situation. On XX/XX/XXXX, at XXXX, she texted me asking did you ever hear back from the collection agency? ( See Attachment 3 ). \n\nAs of XX/XX/XXXX, I had not yet heard from Grant & Weber , Inc. in the timeframe they stated. I had received no written communications, no voicemails, no emails, and no calls from Grant & Weber , Inc. regarding the resolution or update of this debt as I had requested. The debt in collections continued to negatively impact my credit score, and had risen from $ ___to $ ___as reported on XX/XX/XXXX ( See Attachment 4 ). \n\nI called XXXX ____, Director of the ________ Billing department, on XX/XX/XXXX at XXXX at XXXX XXXX  MST and was able to connect with XXXX. I gave her my name and stated that I was calling regarding a procedure I had on _____, XXXX, and inquired what insurance and address was on file. She confirmed my current address since XX/XX/XXXX ( See Attachments 5 ). \n\nI then called XXXX ____, Supervisor of the _______ Patient Access department, on XX/XX/XXXX at XXXX at XXXX XXXX  MST. He did not answer, and I left my name and callback number. ( See Attachment 6 ). XXXX returned my call at XXXX XXXX MST. Upon returning my call, I requested if XXXX could confirm for me if my ID with the correct address ( current as of XX/XX/XXXX ) was scanned in, and if the address was updated, for my appointment on or prior to____, XXXX. XXXX confirmed for me that he had my current address on file and that there was no ____ County address from what he could see during his demo recall ( See Attachment 7 ). \n\nFollowing this conversation, I then called and spoke with XXXX of Patient Services for ______, who originally submitted this debt to Grant & Weber , Inc., at XXXX on XX/XX/XXXX at XXXX XXXX  MST. ( See Attachment 8 ). After stating my name and that I was calling to verify the date of this procedure in question, XXXX confirmed that the original debt was sent to Grant & Weber , Inc.. I asked her to verify my address in her files, and she confirmed it was my current address as of ____XXXX. I then asked if there was any _____address in her files, to which she said no. I then asked XXXX that, since her office reported this debt to Grant & Weber , Inc., would this be the office that submitted my address as well, to which she said, I think so, yes. \n\nI called Grant & Weber , Inc. at XXXX on XX/XX/XXXX at XXXX XXXX MST and spoke with the operator ( See Attachment 9 ). I offered my name and social security number for account details, and that I was calling because I had not heard back from Grant & Weber regarding this debt as of XX/XX/XXXX. The operator stated that she would forward me to the manager, XXXX XXXX, and also gave me his extension, XXXX. The phone did not answer and I left a message with my name, phone number and the reason I was calling, and requested a call back at the number provided. \n\nAs of XX/XX/XXXX, I had not received a call from XXXX XXXX. I called XXXX XXXX  at XXXX, XXXX, at XXXX XXXX  MST, and he did not answer. I called XXXX XXXX again at XXXX, XXXX, at XXXX XXXX  MST, and he did not answer ( See Attachment 10 for both calls ). I left a voicemail for XXXX XXXX at this time. \n\nOn XX/XX/XXXX, I called Grant & Weber , Inc. at XXXX, XXXX, at XXXX XXXX  MST and spoke with the operator ( See Attachment 11 ). I gave my name and stated I was calling regarding a debt that I was trying to speak with XXXX XXXX about, but had not heard back from him to date. The operator apologized and told me that their system is currently down, but that it might not be back up and running until the following morning. I asked what she meant by system, and the operator stated their server. I then asked if she knew who I could speak to that is above XXXX? She told me that he was the Collections Manager. I then asked if no one else was above him, and she said I was correct. I asked if there was any way that she could pull up my account, or does the server conflict with that? She stated that she wasnt able to see any account information. I asked what time shed suggest that I call back tomorrow, to which she suggested morning or mid-day. \n\nAccording to Grant & Weber , Inc.s contact information, which is on their website at XXXX : //www.grantweber.com/contact-grant-weber/ ( See Attachment 12, screenshotted on XX/XX/XXXX, and accessed on XX/XX/XXXX, and XXXX ), there is a location and phone number in XXXX XXXX, Nevada XXXX I called this number in hopes that this sites server was not down and I could resolve this issue. I called Grant & Weber , Inc. at XXXX at XXXX XXXX  MST on XX/XX/XXXX and spoke with the same operator I had spoken with at XXXX XXXX  MST. ( See Attachment 13 ). I knew this because I could distinctly hear that the voice was the same, and Id spoken with this operator multiple times previously. After the operator announced she was from Grant & Weber, I stated that I was calling about a balance that I had on an account, and that I was hoping to speak with someone about it. She apologized and told me that their system is currently down, just as in the previous call, then stated that I could try to call back in the next five or six hours, and that they were currently working on trying to resolve the problem. I did not give any identifying information during this call. \n\nOn XX/XX/XXXX, I called Grant & Weber , Inc. at XXXX at XXXX XXXX  MST ( See Attachment 14 ). I was unable to get through to the operator. I stayed on the line and attempted to reach the operator again, and was unable to get through. I then attempted XXXX XXXX  extension at XXXX, and he did not answer. I did not leave a voicemail during this particular call. \n\nOn XX/XX/XXXX, I called Grant & Weber , Inc. at XXXX at XXXX XXXX  MST ( See Attachment 15 ). After being placed on hold, I spoke with the operator, who was the operator I spoke to the day before, because I recognized the voice. I asked if I could speak with her about a debt I have in collections. She said sure, shed be able to connect me with a representative. After asking my name, I gave my full name, spelling my last name. She then connected me to XXXX, at extension XXXX. I took notes during and after this call to make sure I was accurate. \n\nUpon answering, XXXX stated that he was with Grant & Weber and that I was on a recorded line. He asked for my account number. I answered and gave only my social security number. He stated my name, confirming he had my account. At this point, I had not given him my name. I confirmed that yes, that was me, to which he advised me that he was a debt collector, and that any information obtained would be used for that purpose. He again told me the call was recorded. \n\nI told XXXX that I had called back in XX/XX/XXXX about this debt in collections, and I was told then that it would be forwarded to a supervisor, and that I would receive a call within one to two weeks, and that never happened. I left a voicemail with XXXX XXXX on three occasions now and I have not heard back from him this week, and I was wondering if you could help me with this debt. \n\nXXXX then asked me, well what is it that youre trying to accomplish? I stated explicitly that I needed to see what the current balance is, and I needed to see what the mailing address is for the debt. \n\nXXXX responded with the current balance as $ ____, and the mailing address was XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, Nevada, XXXX. He also gave me the account number that I never had access to : ______. \n\nI asked if he could possibly email me a letter stating this information? \n\nAfter a long pause, XXXX responded, are you going to pay it, or what? \n\nI responded that I would just like the information in digital format so that I can try and pay it. \n\nAfter another long pause, XXXX stated that he would probably have to mail it. \n\nI then asked if there was any way I can get a digital format of this information though? Especially for accessibility issues? \n\nXXXX responded after yet another long pause, you cant get mail or what? \n\nTo which I said, no I cant. Can I please get this in digital format? I then asked if the XXXX XXXX address was the one that he had for me on file. XXXX corrected me in saying it was his address. \n\nI then asked again what was the address he had for me on file. \n\nXXXX stated ________. \n\nI responded, okay, and how many times have you sent me anything regarding this collection? \n\nXXXX then counted and said theyve sent out four letters. I asked him what were the dates that he sent those four letters? \n\nXXXX quickly responded that he didnt need to give me all that information, to which I said, its my debt, I would appreciate having the information. \n\nXXXX then said that information is not -- its not needed it doesnt matter. I responded that it does matter, though, and then XXXX stated that you can talk to a supervisor, have a good day, and then hung up on me. \n\nAfter this point, I then called the Consumer Financial Protection Bureau on XX/XX/XXXX, at XXXX XXXX MST, at XXXX. I spoke with a very friendly and helpful representative named _____ who walked me through making an online complaint against Grant & Weber , Inc . I gave my full name and phone number which was then logged. \n\nAs of XXXX XXXX  on XX/XX/XXXX, I still have not received a call from XXXX XXXX  or another representative from Grant & Weber , Inc . \n\nScope of Complaint Since XXXX, XXXX, I have been attempting to contact Grant & Weber , Inc. in an attempt to understand the history of this debt collection in an attempt to resolve it. Grant & Weber , Inc. disclosed my healthcare information to me on XX/XX/XXXX, including date of procedure and with whom, and stated that they had a _____County, _____ address on file being used to send correspondence to. Not only is this an erroneous error on their part, as I have not lived in _____ County, _____since XXXX, but at every possible point along this debt collection, Grant & Weber had the opportunity to easily confirm with _____, the original creditors, and their medical associates an accurate address, as I did this week with these entities. Not only do I not know the contents of those letters, I was barred from getting copies of any such letter or written verification of the debt upon request, even after citing accessibility issues, which may violate my rights and possible compliance under the Americans With Disabilities Act ( ADA ) of 1990. In fact, after me citing accessibility issues, XXXX at Grant & Weber likely discriminated against me by dismissing my accessibility request for a digital copy of such letters for immediate review during our call. He denied me the right to allow me to participate in, or benefit from their services in that moment and this was compounded by XXXX hanging up on me after I attempted to better understand the letters in question. \n\nGrant & Weber , Inc. has not notified me of any of my HIPAA rights considering this is a medical debt and that they disclosed my medical information to me beyond basic information needed to collect a debt ; and if they had via these letters, I was not privy to such information when XXXX denied me my right to any letters, because a ____ County address was on file at my first point of contact and I have not received any correspondence to date. It was only when I called over four months following the disclosure of the _____ address and medical information, and finally spoke to someone in depth about my account, did Grant & Weber seem to have attempted to resolve an address issue.\n\nI would like to know why a ____ County address was on file when each medical entity I have spoken to stated that they have no ____ County address in their files, thus showing that Grant & Weber retrieved a wrong address by other means. Even my drivers license has never stated I had a ____ address, prior to XXXX thru to present. I would like to know why I was barred from seeing the four letters in a format that met my accessibility needs under reasonable accommodations, and why I was not given proper notice of my HIPPA rights, given that Grant & Weber disclosed medical information far beyond the basic information required, to me, which may violate my rights to medical privacy under HIPAA.\n\nI would also like to see what was disclosed in those four letters, to which address it was mailed, how Grant & Weber retrieved the _____ address, and why I have never received an update despite my multiple attempts to resolve this debt from Grant & Weber leadership, and in my seeking information regarding a breach in my privacy. It is only in the last week of the past five months that this ____ address is no longer in my file with Grant & Weber, and I would like to know how and when this address was changed to ______. I would also like to know why XXXX XXXX, Manager of Collections, has not returned my calls or voicemails, and what disciplinary action may be taken for barring me from my own debt information, meeting accessibility compliance, and preventing me from resolving my debt by hanging up on me when I requested information that I have rights to. \n\nI am reporting Grant & Weber XXXX XXXX to the Consumer Financial Protection Bureau because this entity has, at every possible attempt on my part since discovery of this collection, prevented me from better understanding a debt in collections and has completely disregarded the privacy rights that I have as a consumer. This debt could have been resolved months ago when I attempted to first resolve it, yet the debt has increased and has continued to negatively impact my mental health and credit score.","date_sent_to_company":"2021-03-20T06:02:10.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"59601","tags":null,"has_narrative":true,"complaint_id":"4230083","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Grant & Weber","date_received":"2021-03-20T01:27:02.000Z","state":"MT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Not only do I not know the contents of <em>those</em> letters, I was barred from getting copies of any such letter or written verification of the debt upon request, even after citing accessibility issues, which may violate my rights and possible compliance under the Americans With Disabilities Act ( ADA ) of 1990."]},"sort":[6.369921,"4230083"]},{"_index":"complaint-public-v1","_id":"15997030","_score":5.9848967,"_source":{"product":"Credit card","complaint_what_happened":"CFPB Complaint American Express Case XXXX ( XXXX  Dispute ) American Express denial of charge back ( and now reescalation ) for misrepresentation of XXXX rental Date : XX/XX/2025 XXXX XXXX XXXX / XXXX ( XXXX Case numbers XXXX ; XXXX, XXXX ) Date : XX/XX/2025 Summary of Complaint : I rented a two-bedroom, one-bath property through XXXX fromXX/XX/XXXX XXXX XXXX made on XX/XX/2025 ) specifically because it was advertised as air conditioned. The listing contained no photos or mention of portable AC units. Upon arrival, I discovered two portable AC unitsone stored in a closet and one in the living room not runningleaving the apartment hot upon arrival.\n\nThese portable units require an exhaust tube to vent through an open window, creating a security risk for a ground-floor unit. Someone could push open the window or remove the taped exhaust to gain entry, placing me and my 6-pound support animal at risk. \n\nI contacted and worked with the host through XXXX platform within XXXX minutes of my XX/XX/XXXX arrival ( well within the XXXX notification requirement ). I worked in good faith for several days with the host and handyman, as XXXX recommends, trying to resolve the issues. During this time, I attempted to run one portable AC unit in the living area and one in a bedroom, but the electrical circuits repeatedly tripped, which I feared could cause a fire.\n\nThis material defect appeared for several days up until my departure. Thus, during these days, the rental could not be air-conditioned as represented. In fact, I was to learn it would never be air-conditioned as expected or purchased.\n\nThe handyman ultimately confirmed that the propertys electrical setup meant the two bedrooms could never be cooled simultaneously. He also confirmed that he and the host knew this prior to my booking. This made the second bedroom permanently uninhabitablemeaning I paid for a two-bedroom but effectively got a one-bedroom with unreliable cooling. Again, the property would never be air-conditioned comfortably as represented. I could never have family and friends stay with me as planned.\n\nWhen I asked the host, via speakerphone, upon arrival about the lack of dressers and closet shelving ( surprising for a long-term stay ), she replied in the presence of my guest that everything is just as in the photos. Because no portable AC units or wall units were pictured, this reinforced my belief that the property had central AC. Both XXXX and XXXX encourage guests to rely on listing photos and descriptions. Failure to disclose that the only cooling consisted of portable unitsand that they could never cool both bedrooms simultaneouslyis a material misrepresentation under XXXX own XXXX XXXX XXXX XXXX \n\nAfter repeated ( vacation for me ) days of trying to work with the host and her handyman ( as XXXX recommends ) I formally escalated to XXXX Customer Service on XX/XX/2025. XXXX first denied my refund by claiming I failed to notify them within XXXX hours. Their most recent response changed ( XX/XX/2025 ) to that the listing was accurate simply because it said air conditioning, regardless of adequacy or habitability. They also suggested XXXX XXXX climate makes AC unnecessaryan irrelevant and dismissive argument. XXXX check my documentation for XX/XX/2025 to see how hot it got in XXXX XXXX. \n\nI wanted and needed and purchased a place with air conditioning for my comfort, my guests comfort, to help eliminate allergens, and most importantly, to be able to sleep at night in comfort with my windows closed to feel safe from break-ins. \n\nA reasonable consumer would assume that air conditioned means the entire property can be kept cool and comfortablenot that they will be forced to rely on taped portable units, risk open-window security concerns, and deal with constant circuit failures. If XXXX expects consumers to interpret air conditioning broadly enough to include portable units, it is equally reasonable for consumers to interpret contacting the host through XXXX platform as contacting XXXX itself. XXXX can not use a broad interpretation for one situation and a narrow one for the other to deny consumer protection. ( This was their first reason all along for denying me my refund ; it changed the other day on XXXX XXXX ). \n\nI first called Amex for assistance on XX/XX/XXXX. I was advised to try to work things out with XXXX on my own first. I was having difficulties working with XXXX XXXX and XXXX Host so I called back to Amex who advised to try to get as much money back as I can from them and they would work behind me and to give it a couple weeks. I formally filed with Amex on XX/XX/2025. Once the chargeback appeared, XXXX stopped talking to me entirely ( see my XXXX XXXX notes attached ). \n\nI did not think Amex had my best interests as they seemed to cave in to XXXX without using critical thinking skills thus I had to escalate in an attempt for them to understand how XXXX was scamming them ( and me ) and to get someone from XXXX department to review to understand the merchant misrepresentations and safety hazards. \n\nI spoke with Amex reps by phone and online since I first called them. Have Amex send you copies of my ( several online ) chats with them too. online dates are documented ; maybe customer reps are too??? I will try to paste chat sample at end not sure if there is room. \n\nI paid {$11000.00} for a property that did not match the listing or provide basic habitability. I was forced to vacate early, incurred additional lodging expenses, and missed key family events, including my grandsons XXXX birthday. I am requesting a full refund and regulatory review of XXXX  consumer practices. \n\n\nRequest for XXXX : I respectfully request that the CFPB review XXXX XXXX handling of my dispute, require a fair review of the evidence, and ensure cardholder protections are applied consistently and fairly. Amex should not adopt XXXX shifting rationales to deny valid chargebacks where the property was materially misrepresented and uninhabitable. \n\nXXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Sampling from online chat with Amex ( chat with XXXX Host is in a Word document hopefully attached ). there were several chats with Amex. \n\nHi XXXX my name is XXXX. I'd be glad to help you today Hi XXXX, I recei ved this letter from Amex toay. I have submitted more than 10 Word doocuments to defend my case. THe most recent has a screen shot i took of the time teh XXXX XXXX called me back after my initial call to her upon arrival. Not sure what else i should provide. is someone looking at all my docs? IF so, can they recommend what else i should provide? i am pasting the letter here : Merchant Name : XXXX XXXX XXXX Transaction Amount : {$11000.00} Transaction Date : XX/XX/2025 Dear XXXX XXXX XXXX We've received your dispute for XXXX USD from XXXXXXXX XXXX XXXX. \n\n\n\nPlease provide us the documented proof to strengthen your claim with the merchant and explanation why refund is due. We request you to provide us detailed letter and proofs for us to investigate this case further. In your detailed letter please be sure to include the reason for your dispute as well as the details regarding any good faith attempt to resolve this matter directly with the merchant. \n\n\n\nHere 's what you can expect : The amount of XXXX USD has been placed on hold and you will not be responsible for this while our investigation is in progress. Most cases are resolved in less than a month, but some complex cases can take up to XXXX weeks. We'll keep you updated as the case progresses, or once it is resolved. \n\n\n\nHere 's what you need to do : Log into your account and upload your documentation by XX/XX/2025. You can also fax it to us at XXXX, or mail it to American Express Credit Card Account, Customer Service Department XXXX XXXX XXXX XXXX XXXX, TX XXXX. If we don't receive your documentation by then, we'll close your dispute and restore the charge to your account. We're here to help : Have questions? Just log into your account online to chat with us, we're here for you 24/7.\n\nAccess \" Your Disputes '' by visiting XXXX/ManageMyDisputes We're here to help : Have questions? Log in to your account online to chat with us - we're here for you 24/7. \ndispute XXXX I found the recent document you uploaded, its about clarification about their claim that you didn't notify them within 12 hour period I believe around 3 pages.\n\nRest assured the document will be reviewed and relayed as well to the merchant to have this looked into. \n\nEstimated Resolution XX/XX/2025 Ref. XXXX DId you see the most recent doc i submitted yesteday about the 12 hour window? \nif te investigators read my XXXX  chats with XXXXXXXX XXXX  and see screenshot of time she called me back they will see what we discussed because it is all in the Chat. everything is in the CHat i thought the XXXX XXXX was XXXX.... ( certainly not XXXX XXXX!!! ) XXXX  in the beginning i shared with XXXX photos of how the place was listed when i rented it back in XXXX. Should i share those photos? It is still listed the same EXCEPT ( as you will see in the XXXXXXXX XXXX ) the XXXX updated the listing for future guests to know under the word airconidtiong something like with 2 portable AC units. however, she does not meniton that a renter would NEVER be able to use the units in both bedrooms at the same time. They wouldnt even working in one bedroom and living room while i was there they kept breakng ciruits which scared me that there may be an electrical problem. that is also mentioned in my numerous documents and chat with XXXX host. I also reported them to city of XXXX XXXX as a renter because my 3rd party electrical contracto and the XXXX ' HOst agreed there was an electrical issue that needed inspection. they thought it could be a safety hazzard. \nYes the photos would be very helpful as proof as well if you could possibly have that uploaded too. \n\ni will have to paste them to a Word document unless you have an email i can send to. i'm a little upset that i received this letter requesting additional information when i have documented sooo much in ALL the docs that are uploaded. I fell like Amex investigators are not reading thoroughly....\n\ni will work on photos tonight tho and pray everything else i submitted is sufficinet, however, i am open for an investigator -- who i assume is working on behalf -- to let me know if i should belooking for something else. \nI can always note the account that you requested to have the documents reviewed thoroughly. \n\nOur document center does accept files in picture format. \n\nXXXX XXXX XXXX XXXX  Or you could still place it into the Word document i am on vaction XXXX XXXX or trying to be.... so only have my laptop and i'm not that savvy to know how to do anything but email the photos or paste the to a word doc Sorry if it has taken a lot of your vacation time. \n\nRest assured we'll do our best to have this dispute re-evaluated based on the documents you've uploaded. \nYES please make sure they review ALL my docs. The answers are so clear ( I think ) in revieiwng them. even the fact that i notified the XXXX XXXX within XXXX hours is in the XXXX chats that XXXX has access too and saw. Even the fact that the XXXX XXXX misrpresented herself as a XXXX XXXX when XXXX told me this was the first ime she listed on this platforsm so it was another for of misrepresnetation I have added the dispute note regarding your request to have the documents thoroughly reviewed. \n\nWe'll make sure to update you through e-mail once we get a response from the merchant about what you have provided. \nhonestly, XXXX i dont feel that confident that the investigators are using critical thinking skills or reading through my information thoroughly. I hope you can relay this and ask for through review...... iw as totally misrepresented by XXXX and allmy documentaiton attests to that and thank XXXX it is docuemted in myXXXX XXXX and screenshot of phone call when i asked Host to call me when i arrived at the rental. \nin the past Amex just folded XXXX XXXX got back.... they will tell you it must be reported within 12 hours. IT WAS. Look at my most recent letter -- - they even advise to report issues to XXXX host, any reaseonable consumer would do that. anyway, be sure they read the most recent. i will find the photos where there were no pics r metnio of portable AC units XXXX is getting waway with FRAUD!!! \ni hope amex gets back with me after XXXX sends them their XXXX answer so i can help respond approriately. \nXXXX for your time today. I am counting on you brother! \nYes I agree that its good everything was documented through XXXX XXXX, Appreciate you as well taking the time to chat with us to share what happened. \n\nWe'll make sure to update you as soon as we can. \n\nWere there any other questions you may have for the time being? \n\nXXXX will proably just stick to their guns ... that is why i need the BEST Amex investigator on this to support ME. \njust note that i want to be kept abreast before any decision is amde..... i will keep escalating this. i am nto going to stop. this is just not right. \nand its a LOT o9f money. \nread through my case yourself and you will understand. \nSure I'll make sure to take the time to read through the full case. \n\nI do hope for the best result now that you've provided additional input. \ni spent a lot of time documenting everything. the only other thing i cabuttal is good. \nn think of is to share the photos of how it was listed which i will do tonight. but i think the doc i submitted last night re 12-hour re ty i will let you go for now!!! have a great day/evening XXXX Hope you have a great day too! \nXXXXXXXX XXXX","date_sent_to_company":"2025-09-17T18:59:22.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"333XX","tags":"Older American","has_narrative":true,"complaint_id":"15997030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-09-17T18:10:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX will proably <em>just</em> stick to their guns ... that is why i need the BEST Amex investigator on this to support ME. \n<em>just</em> note that i want to be kept abreast before any decision is amde..... i will keep escalating this. i am nto going to stop. this is <em>just</em> not right. \nand its a LOT o9f money. \nread through my case yourself and you will understand. \nSure I'll make sure to take the time to read through the full case. \n\nI do hope for the best result now that you've provided additional input."]},"sort":[5.9848967,"15997030"]},{"_index":"complaint-public-v1","_id":"5739845","_score":5.7798476,"_source":{"product":"Mortgage","complaint_what_happened":"This was a difficult complaint to write because there were quite a few people involved and several complaints to be addressed. And I appreciate you being understanding and trying to filter thru them. I can only tell you what has happened to me and ask for your help to correct things for me and make sure it does not happen to other people. I have so many emails and other bank statements if you need them. I only ask if something is challenged then please give me a chance to do the best I can to present the evidence to back up my side. I am one small person trying to present my case. \nThank you very much. XXXX XXXX XXXX Complainant -- XXXX XXXX XXXX My attorney -- Attorney XXXX XXXX Attorney that First Citizens uses in SC to do their foreclosures - Attorney XXXX XXXX XXXX and Attorney XXXX XXXX XXXX XXXX -- according to his email Business and Retail Credit Resolution XXXX XXXX -- never got a return email to know what his title is but I believe it is Region Business Executive I am XXXX XXXX XXXX, a XXXX XXXX XXXX woman with back problems from an accident that was not my fault. First Citizens Bank and Trust has my loan. I did not choose this lender, my mortgage loan shifted to them when XXXX XXXX XXXX sold out to them. First Citizens Bank and Trust exhibits a pattern of behavior towards their customers that is very upsetting. If you look at the blogs, the common theme is that First Citizens Bank and Trust tends to ignore you any time you try to communicate the problem you are having and reprimand you for asking any questions and then make you feel like you caused the problem. If you try to reach out to other departments for help they try to make it seem like you are causing problems when you are simply trying to resolve your issue. I can only surmise that they hope the end result is they outlast you. This is a very poor business practice and doing this to the elderly and the XXXX is really probably criminal. By ignoring the client, it makes the client have to go on a hunt for the truth yourself and then in turn the bank can criticize you for making phone calls and writing to get the answers you need because they have ignored you to begin with. The term Gaslighting comes to mind. \n\nXX/XX/XXXX I was involved in an accident not my fault and because of covid it is still not resolved. \nXX/XX/XXXX I let my mortgage company know I was out of work for a little bit and why. \nXX/XX/XXXX The Pandemic hit and it effected my business completely. I was an adoption consultant/paralegal and I am not able to get in the Dr , offices or the hospitals. Frightening that your business of 30 years could just disappear almost in front of you Every week I communicated with First Citizens and asked about Covid. Never got a clear answer but I assumed when they were so nice and listened then said that they would make a note and put it in my file that meant that with Covid they were working on a solution. From what I read all the mortgage lenders were working on it so I did not worry, this seemed normal. I read that the mortgage companies were going to help with Forbearance, I knew they must have so many people effected that it would take time. I did not realize I had a type of loan that was called an \" In House '' loan. This loan is not federally backed which I had no idea meant that the bank could do whatever to you, or not do anything for you through the Cares Act. \nIn XXXX. During that time I made as many payments as I could, some partial. Always calling or answering First Citizens calls and letting them know my situation. All the while hurting from my accident and totally limited from Covid being able to enter medical facilities with my business. \n\nIn XXXX XX/XX/XXXX I started receiving mail from random attorneys asking if I wanted to do a bankruptcy. I had not even been served anything. But I thought that I better ask for a hardship packet. XXXX in ( Loss Mitigation ) told me she did not know I wanted one. \nXXXX XXXX I contacted one of the attorneys that I worked with and Attorney XXXX negotiated with the attorney XXXX XXXX XXXX and First Citizen Bank and Trust. \nXX/XX/XXXX ( Complaint 1 ) I received a letter from XXXX XXXX thru my attorney that the amount he said I owed was {$18000.00}. ( Letter attached ) This letter listed five categorized amounts that 3 seemed incorrect. ( I just emailed Attorney XXXX XXXX again, whom I have asked repeatedly about these amounts and where they came from. I should be able to ask what these amounts are that I am being charged in The Temporary Repayment Plan including 3 payments beginning XX/XX/XXXX without going thru months of the same emails of me asking for the same thing without being ignored. The latest story I have gotten is that the contact for XXXX XXXX ( independant Attorney for First Citizen ) at First Citizens is out of the office until XX/XX/XXXX and he needs to ask them if he can tell me what his own fees are. They are right there on the letter so why would the attorney have to check with the mortgage company to give me what he charged me for his attorney fees and what he did for those charges. How would the mortgage company know what his costs were?. This is going to make me spend more time and write the Fee Dispute board at the SC Bar. Personally I feel this is to buy time to make up what the charges are for. COMPLAINT ( attached letter of what these charges that I owe. and is supposedly good through XX/XX/XXXX ) This amount also changed by {$840.00} more and was just added onto the Temporary Repayment Plan and again not explained. \nXX/XX/XXXX XXXXTwo times First Citizens violated this law. I even received a letter from First Citizen XX/XX/XXXX in it, it explained the law on appraisals and how there is a copy due to the client 3 days prior to any transaction or closing or dealing monetarily. ( Attached letter of 3 day rule ) How does a mortgage bank send you a letter explaining the law on having to give you your appraisals and then does not give them to you? Who is accountable for making sure the law is followed. \nCOMPLAINT- This one of two appraisals not given to me in the time allotted so I believe this is a habitual offense with other people that should be questioned. ( attached appraisal with mail dated envelope XXXX ) This appraisal was done XX/XX/XXXX and was not mailed to me until XXXX months later, XX/XX/XXXX and only because I repeatedly asked for a copy of this appraisal, First Citizens had this information and actually told me they did not know if they could give it to me. Whoever sent the letter was aware of the law but after that the employees under XXXX XXXX dont seem to know what they are supposed to do. It seems by XXXX XXXX 's example they certainly know how to avoid clients questions and make the client feel as though they are not important enough to ask anything at all or if they do ask then you are made out to be a horrible problem. This is a prime example of them telling me the way they want it to be and I the customer, am just supposed to go along with it and not speak up for myself. I hope that whoever is over enforcing this law will make an example of First Citizen Bank and Trust. This appraisal could have aided me in putting together the Hardship package if I had had it for the Temporary Repayment Plan ( attached 3 pages ) and beginning payments XX/XX/XXXX {$6300.00} / XX/XX/XXXX $ XXXX XX/XX/XXXX {$6300.00}. After my accountant asked for it, this agreement showed up at my attorneys office 2 weeks after the first due date of XX/XX/XXXX, Supposedly it went to the wrong email address of my attorney, they did give me a 2 week grace period, to fix this but here again they just do whatever they want to, also in it, was 3 incorrect payments amounts, my accountant had to line thru them and write in the correct amounts. \n\nAnother complaint on XX/XX/XXXX I asked for a detailed loan history and received it from XXXX XXXX XXXX. However, when I asked them, they, like my accountant could not explain the charges. One of them was {$800.00}. for an appraisal {$450.00} for an appraisal another {$450.00} for another appraisal. We thought that this might be part of the charges from XX/XX/XXXX letter, number 3 labeled Corporate advances in the amount of {$5000.00} on the letter listing the charges from the attorney XXXX XXXX. But when I called XXXX XXXX XXXX they were very nice but they could not figure out the charges either. They tried several people and finally got someone in Loss Mitigation and she insisted that I was not charged for any more appraisals, even though it was right there in front of us. And it was on one of my monthly statements XXXX ( attached a copy of monthly statement XXXX ) it showed as an appraisal charge. On that same statement it has legal fees showing as {$3100.00} which is much different than Attorney XXXX XXXX 's {$1300.00} on the letter ( attached First Citizen Monthly statement XXXX ) Another statement reflects a charge of {$1000.00}. of interest taken on XXXX ( 4days after the closing ) I certainly hope the bank has not collected interest in advance. I am not sure but I believe that is some sort of infraction. ( attached First Citizens monthly statement XXXX ) The payment History was sent very quickly. I'm not sure who runs that department but they did a good job and at least tried to answer the questions. Which they could not and ended up back at XXXX 's department with hostile employees and no answers. \n\nDuring that last year of not getting ANY help from the bank, My mother passing away, XXXX and XXXX people XXXX XXXX XXXX XXXX XXXX  and arranging to borrow the money that was really more than it should be to pay a sum of money to First Citizens that I nor my accountant are not even sure is correct. Im not sure how much more I can take. \nIn the beginning of XX/XX/XXXX I realized that it was taking longer to get my nerves in my back cauterized due to finishing physical therapy, insurance approval and scheduling. I was not getting any help from First Citizen so I thought I would try to get ahead and do something to make sure I did not have any problems with finances for this year coming and I could concentrate on my health. I knew my neighbor wanted to buy my back acres to the property. So I thought it would be a good thing to go ahead while real estate was high plus cutting my acreage down from XXXX acres to XXXX acres plus my house would be beneficial because XXXX acres and a house is a quicker sale than XXXX if I had something terrible happen and God forbid I had to sell my house. When I am not under a great deal of stress I am normally very good with assessing the best way to move forward but I also need the facts ( appraisals and explanations of what payments are. I keep most everything that is documentation that could help me. I found my old emails and contacted XXXX XXXX, she was Retail Customer support Specialist and she had started the process of reducing my collateral in XXXX. I realized that First Citizen had not released a piece of collateral when I refinanced in XXXX. It took quite a bit of time for them to understand that the collateral ( XXXX acres ) really should not have been held but as long as it got worked out I was not going to say anything. It had taken about XXXX and XXXX years and it was not what I had wanted but it was close and it was done by a XXXX XXXX. He seemed to be an honest man and did his best to explain things to me and be very fair. He is no longer with the bank. First Citizens seems to have a problem keeping those employees. \nThere was no longer a division that did what XXXX did so of course Loss mitigation is where I was told to go. They put me with what seemed to be a young man that seemed very inexperienced, XXXX XXXX. At first he told me he did not know that could be done and I told him we had already done it in XXXX, then he told me that yes he could do it. I had offered to put a higher amount down on my principle thinking to begin with the survey would say it was going to be XXXX XXXX to XXXX acres to sell. I even told XXXX that could change if the amount of land sold changed this should have been common sense and we would have to renegotiate that figure and he said that he understood. \nHe seemed so unsure of himself and I even asked him was he sure about all of this because I did not want to get stuck paying XXXX XXXX for a survey and this was my nest egg to help me get thru this year to get my back straightened out. I asked for someone higher up than him that could help me but he kept ignoring me. I have those emails also. He assured me he could do it but later when I found out it was just over XXXX acres to sell in the plot not close to XXXX like I had thought originally. I had reached out to XXXX XXXX from years ago to see if he was still there and to find out if he knew who I needed to speak with that was above XXXX XXXX. In XXXX I encountered XXXX XXXX, he had the same attitude problem then. \nXXXX -- -- I have an app. that records my phone calls and I told XXXX that later. I talked to XXXX about being uncomfortable with XXXX XXXX acting like he was unsure of himself. No one told me until attorney XXXX XXXX XXXX ( attorney that handles XXXX XXXX forclosures ) that XXXX was leaving the bank on the same day that I was trying to close. That gave me a clearer understanding of XXXX 's attitude A couple of months earlier I had told XXXX that I did not feel like XXXX knew what he was doing and he did not understand what I was trying to do. I told XXXX that XXXX said why didn't I take the years worth of payments and put it in a savings account and make my payments each month. How do you get to be the V.P. of anything and not know what I would think would be key vocabulary. He did not understand what deferring my payments meant for the bank to put your payments on the end of my loan, not make me put down more money that I needed to help me with my basic bills each month. The next 3 months are critical and I am very fearful. At this point I still was not sure who worked for who but XXXX assured me he would work alongside XXXX. When I asked XXXX if he was sure, that this was really important because with my back the way it is because of the wreck, I was having to watch every XXXX until I could get my back lumbar facet injections and cauterized. XXXX told me it was Mortgages and he could do what he wanted to, not to worry about it. He either forgot he said this or did not care or he was just trying to get rid of me.. \nXXXX sent me a list by email of what I needed to get done which was no problem and basically all XXXX had to do was put in for an appraisal. This began middle of XXXX and I asked XXXX to put in for the appraisal on XX/XX/XXXX when I emailed him to remind him to do it. I should not have had to remind him to do it period considering all he had to do was get the appraisal done and figure out a customer with over {$330000.00}. Dollars in equity had to put on her principal. If I could have done it myself, I would have but evidently the bank has to call and have one of these independent places that chooses one. Not hearing a word, I was getting worried so after I waited a week, I called XXXX back on XXXX XXXX to see where we were. XXXX said he had given it to a team member to handle and it evidently did not get handled. I was very upset and it was effecting my health. Finally, the appraiser called me on Saturday XX/XX/XXXX and he explained he got it on Friday XX/XX/XXXX. The appraiser apologized and said there is no way that it takes over a week from the time it is put in for it until they contact the client On XXXX XXXX we arranged for him to be at my house Monday morning at XXXX. \nI have had to waste the last month to put this account of what happened together along with the documentation. By looking at the past appraisals, you could tell that the new appraisal should come in at about {$470.00}. Which is exactly what it came in at and I had asked XXXX to tell me what the amount of my own money was to be put in to my own loan, if the appraisal came in at that amount. The attorney and I both had tried to get an idea of what they were basing this on if the maximum was {$470.00}. ( the maximum ) I checked every day hoping that the appraisal would be in so that XXXX and XXXX could negotiate with my attorney XXXX XXXX. \nComplaint -- - on the morning of XX/XX/XXXX Attorney XXXX wrote an email to XXXX and XXXX ( Email included ) explaining how the amount of acreage was less than we thought and with the amount of equity the house has, it was more than fair to First Citizen for me to put {$20000.00}. XXXX XXXX of my own money on my own principle of my own loan and for the bank to do about a year of deferred payments considering nothing had been done for me during XXXX. It was not asking too much. Two other banks said that it was terrible that it was my land and my money and other than the bank charging me some nominal charge for the little bit that it took them to figure out that {$20000.00} and was more than enough to cover 2 years plus some, of payments, bring my mortgage down to {$110000.00}. and giving me a year of differed payments would give me time to get back on my feet from XXXX and these wrecks, unless the bank was trying to get me to fail. Instead, First Citizen took 4 years of payments and no deferral. That hardly seems fair especially when an alleged crime was committed by them not giving me the appraisals when they should have. I plan to go ahead and get free from First Citizens as quickly as possible. Hopefully before the year is up. I don't like to do business with people that are nasty to older people. \n\nPlease remember I did not owe anything as a matter of fact I was ahead about {$300.00} dollars and I needed as much as I could to be able to survive this year to get my medical done and either get my XXXX, which is coming up in 2 - 3 weeks but also be able to work some when they fix this nerve in my back. Attorney XXXX explained to XXXX and XXXX in his email to them XX/XX/XXXX that I had this medical that no fault of my own. I needed to take care of this year and I wanted to pay {$20000.00}. of my money to my principle on my loan. The morning after Attorney XXXX emailed the bank, XX/XX/XXXX the appraisal came in. XXXX XXXX called me instead of calling my attorney. He explained that the bank wanted to take XXXX XXXX XXXX XXXX to put on the principle and then take another XXXX XXXX XXXX {$9000.00}. to make my payments for a year. ( again he did not understand and XXXX did not explain it to him ) He said something and I said something like what kind of a choice is that. I was so disgusted, that after all that work on my part to make sure everything was completed and XXXX did not bother to talk to XXXX about deferring my payments. I asked where was the copy of the new appraisal to help me with what was going on. He said the total was {$420000.00}. I was trying to process why it would have been low. I was having a very bad day with my back. I assumed he was called attorney XXXX next and was going to get it straight with him until I called a few hours later. XXXX never bothered calling attorney XXXX. I understand now why the Consumer Financial Protection Bureau requires the customer to have their appraisal prior to the loan closing and First Citizen should be held accountable for me not having it. If XXXX had emailed me the appraisal and called to tell me to please look over it and he would call me back in an hour that would have been all we needed to negotiate. I would have had the chance to speak to my attorney and point out this was exactly what my attorney offered the bank in his email the day before. Instead, XXXX XXXX called me when his normal avenue to communicate was email. He caught me off guard and told me the appraisal amount was {$50.00} less than it actually was. \nAccording to attorney XXXX XXXX, XXXX also did not turn in the email to get him the ok to do the release of the XXXX acres until XXXX. on Thursday XX/XX/XXXX. So now I had two problems that the bank should not have caused, that I was trying to straighten out. I could have waited a week or two to get the bank to straighten it out but considering many people were waiting on this closing, I was in a terrible position. The seller was going out of town and my friend needed the money I had borrowed from her because she was buying a house for her daughter. We had postponed the closing once and I did not want to postpone it again. I have spoken to several banks and they have all said it was so unprofessional and inhumane to have treated me like this. First Citizens made sure they got more than their fair share and I am struggling to pay my electric and my insurance and even groceries. Now XXXX has cost me XXXX when the interest rates are climbing. \nAfter closing on XX/XX/XXXX, XXXX and having to let First Citizen move my money around however they wanted to. I actually thought XXXX would want to make things right after he told me what a great Mortgage person he is. If he had spent as much time trying to help me as he did try to avoid me, we would not be in this situation. He spent extra time making sure I could not go over his head. I had spoken with one of the places that I could lodge a complaint and they told me one of the first things they would do would be to put me with a compliance department with First Citizens. So I called my branch and asked about reaching the compliance department. I was told by XXXX, the branch manager here in XXXX, that there was not a compliance department and she tried to direct me back to XXXX and even told me that she had emailed XXXX because he had directed them to contact him if I called. Trying to intimidate a person just because they are trying to get to a solution is a terrible thing to do. I can not help but be suspicious of XXXX. Monday approx. XXXX. XX/XX/XXXX, a XXXX XXXX XXXX called and identified himself as a VP of XXXX Banking and told me that the compliance department had contacted him ( the one they do not have ) and asked him if he could reach out to me to see if he could help. I asked him if he minded if I recorded the conversation even though I did not need to ask him. He got so nervous he told me that Compliance would be calling me by close of business. Im still waiting on the call over a week later. Friday XX/XX/XXXX, I went by the main branch and dropped in on XXXX XXXX. He had another addition to the story. There was no name on the email that reached out to him. And they picked him because he was my branch manager. I pointed out to him that I live in XXXX why would he be my branch. He had no answer. He just happened to be downstairs from XXXX office. Attorney XXXX XXXX tried to email me and tell me that the bank did not have anything else they could help me with and they felt like they had done everything they could do. I asked attorney XXXX XXXX to tell me by who's authority he was writing me and he never would answer me. And would not answer me about the amounts that First Citizen charged me. I felt this was another form of intimidation all the while I imagine trying to preserve the amount of business that First Citizen sends to them. \nXX/XX/XXXX The attorney that First Citizen uses, XXXX XXXX XXXX, actually wrote me a letter apologizing for how upset I was when he spoke to me the afternoon of XX/XX/XXXX. He did try to shift the blame and say things like First Citizen had always intended to get my closing done. Even though his partner in the law firm had told me it would be at least a week before they could get it done. And the Appraisers busy schedule along with coordinating with my schedule to review my home. The appraiser contacted me on Saturday and I had him out Monday morning at XXXX I would have had him come Saturday night if it would have helped hurried it along. The Appraiser, XXXX XXXX is a very nice man and seemed very thorough. Considering First Citizens has done nothing for me except take money that they had not explained and took money from me that was excessive.\n\nThere are many other bank statements showing charges that do not match up. I will be glad to produce them. \n\nWe had XXXX hours before the closing but cutting out the collateral got screwed up also because I was told XXXX did not email Attorney XXXX XXXX XXXX either with the instructions until XXXX or XXXX. for the one page document that took them about 30 minutes to do, but they had to have the go ahead and the survey. attorney XXXX XXXX had said that they did not have the survey but they did have it. We got that cleared up. They had the survey and the ok was just a couple of sentences but XXXX had to do the go ahead. \nThe first appraisal had not been put in for at all so we had to push the closing out. The first date was XX/XX/XXXX, my neighbors were going out of town and I had promised to pay my friend back because she was buying a small house for her daughter. She was kind enough to pay for that pre-forclosure thing that I was overcharged by First Citizen by putting down extra appraisals and who knows what else. That needs to be assessed by someone at First Citizens and a detailed list given then my accountant will look at it and I expect to be reimbursed for anything that I overpaid or should not have paid.\n\nHow is the mortgage banker not licensed here in South Carolina?\n\nWhat I want and/or expect : I want to be made whole again.\n\nI want First Citizen to institute a program that will listen to customers and together see if there is merit to what their complaint is. Sometimes people are just not explaining things correctly and need a little bit of help.\n\n*I want at least {$14000.00}. of my money returned to me from First Citizens immediately. I may be damaged further because of the rising interest rate and not being able to devote time to getting some sort of refinancing at another bank or loan institution. \n\n* Amounts defined in detail from letter dated XXXX XXXX from XXXX XXXX XXXX. \namount labeled 3.Corporate Advances {$5000.00} amount labeled 4. Attorney Fees {$1000.00} amount labeled 5. Attorney costs {$330.00} and the additional {$840.00}. charged to me. Added to the Temporary repayment letter and not explained.\n\nI want those amounts plus interest given back to me immediately.\n\n*I want First Citizens to be held accountable for not getting me either of the appraisals in the time frame that is allowed by law. \n*First appraisal done XX/XX/XXXX and not given to me until XXXX ( plus mailing time ) needed it for the time starting XX/XX/XXXX to do my hardship packet. \n*Second appraisal done XX/XX/XXXX and not received until XXXX ( plus mailing time ) Needed XX/XX/XXXX to work on closing amount. And work on the amount that should be paid on principle from the sale of my property. \n\n\" Addendum : First Citizens set aside a year of payments when the bank was aware that there was not a year left of payments before the balloon payment at the end of the loan which is XX/XX/XXXX. This was in a letter sent by the Manager Regional Security ServiceXXXX XXXX XXXX The letter was very threatening. '' Thank you for your time. \nXXXX XXXX XXXX XXXX XXXX XXXX. \nXXXXXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-08-01T19:36:45.000Z","issue":"Closing on a mortgage","sub_product":"Other type of mortgage","zip_code":"29016","tags":null,"has_narrative":true,"complaint_id":"5739845","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST CITIZENS BANCSHARES, INC.","date_received":"2022-07-06T13:06:32.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["He did not understand what deferring my payments <em>meant</em> for the bank to put your payments on the end of my loan, not make me put down more money that I needed to help me with my <em>basic</em> bills each month. The next 3 months are critical and I am very fearful. At this point I still was not sure who worked for who but XXXX assured me he would work alongside XXXX."]},"sort":[5.7798476,"5739845"]},{"_index":"complaint-public-v1","_id":"2858744","_score":5.4615326,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am filing a three Credit Reporting Agency complaint the big-3. The subject is the same for each bankruptcy reported on my credit reports. I believe they have not followed the law on reporting, and request the information be deleted. My original disputes with each of them was submitted in writing by certified US Mail, asking only what the FCRA provides consumers can reasonably ask ; ( 1 ) authentication and ( 2 ) verification.\n\nTo their credit, they all three responded within the allowed 30-day time frame. However, note the extent and effort put forth in their responses :  *************************************************************************************************** XXXX : (  1 ) Response was ; the company that reported the information has certified to XXXX that the information is accurate. Additional comment, no change. \n( 2 ) Thats what I requested in writing, and expected in response ; certification, documentation, and proof to have the information verified directly to me, the consumer. This did not happen.\n\n( 3 ) The FCRA, our nations credit reporting law, established back in XXXX states [ FCRA ] consumers have the right to obtain this information ( 4 ) I was told the company that got the information certified it to XXXX. \n( 5 ) I made a lawful demand for certification. The consumer ( myself and any others making the same request ) do not care that an unnamed company says to them, its certified. Were trusting all the CRAs to [ FCRA ] assume a vital role in assembling and evaluating consumer credit and other information on consumers. ss602. ( a ) ( 3 ) a. Their response totally misses the point of the FCRA, ss602. ( a ) ( 2 ) & ( 4 ). As far as Im concerned, XXXX is reporting very negative information on my credit report that they had no part in collecting directly from a source. This in and of itself falls short of the intents of Section 602, Findings and Purpose. All CRAs must work within FCRAs guidelines of [ FCRA ] assure accuracy, preserve the general reputation of consumers, and demonstrate the respect for consumers right to privacy.\n\n( 6 ) Who got the information? What company? Is there proof that anybody verified this negative information BEFORE it was used? Perhaps the answer is, it has never been validated.\n\n( 7 ) Then, no change, meaning, theyve made no changes in the stated information. Hopefully when a responsible consumer writes one of the big-3 with such concerns, they realize theres a real-live family going on at the other end of the letter. Shouldnt XXXX have a better response than the company that reported it says.? To me its the same as if I never submitted a dispute. \n( 8 ) Clearly, the CRA failed to obtain documentation to meet the requirements and requests of the consumer. Unacceptable. They deal with this kind of situation all the time. \n( 9 ) XXXX has shown its position which equate to several examples of non-compliance of the FCRA. A consequence should be awarded the consumer in this case deletion. \n( 10 ) Referring directly to the Fair Credit Reporting Act, ss611. ( a ) : a. [ FCRA ] If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. \nb. Emphasis added : any item, inaccurate, delete such information. \n\n\n\n\n************************************************************************************* TRANSUNION : ( 1 ) Response was ; Information Updated, then they printed the information which looks exactly like the first version of the disputed information saying this is what it looks like now. This is not in keeping with the Title VI, SS602, Findings and Purpose.\n\na. [ FCRA ] There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.\n\ni. TransUnions response of information updated is unclear. I had to read the information several times before I saw one item different the name of the alleged court. They changed from the first version to a new version. No mention of verification, no explanation of any investigation, no follow-up, and no supporting documentation as requested.\n\nii. The information remains unverified, and as such is incorrect.\n\n1. This information is a violation of SS611 ( a ) : ( a ) If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.\n\n( b ) Emphasis added : inaccurate, delete such information.\n\n( 2 ) Procedure in case of disputed accuracy a. [ FCRA ] If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status. Ss611. ( a ) i. TransUnion was obligated to conduct a thorough, validating re-investigation. Obligated to prove what theyd written in my credit report. Why? Because the consumer followed the law challenging the information, challenging its validity, depending on them to do their jobs and meet certain mandates.\n\nii. This amounts to nothing more than TransUnion following their normal standard operating procedures following the laws of the FCRA, its their business.\n\niii. They did not do this. They simply replied a change was made.\n\niv. Obviously, a change was made, a name. However, TransUnion failed in a major way by short-shirting its responsibilities and not living up to the expectations of the federal law.\n\nv. A remedy should favor support by the CFPB of deletion.\n\n1. [ FCRA ] If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.\n\nFair Credit Reporting Act, ss611. ( a ) ************************************************************************************* XXXX : ( 1 ) Response was ; This section includes public record items XXXX obtained from local, state and federal courts through a third-party vendor, XXXX, This bankruptcy is currently reporting as discharged. If you have additional questions about this item please contact ( the court ), a. IF XXXX has public record items obtained from court as claimed, upon receipt of my dispute and requests in writing, they were obligated to comply and provide these records. \nb. XXXX failed to satisfy the request of validation of the information ; ss609. ( a ) ( 1 ) ( 2 ) : i. [ FCRP ] Disclosures to Consumers Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer the nature and substance of all information in its files on the consumer at the time of the request and the sources of the information.\n\n( 2 ) [ FCRA ] : An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. [ ss602. ( a ) ( 2 ) ] a. If XXXX ( and possibly XXXX and TransUnion ) relies on a third-party vendor ; a. How does the information get to the consumer when the CRA does not verify? \nb. How can even a third-party-vendor be allowed to go around the FCRA and not verify with accountability to the consumer? \nc. Am I supposed to be satisfied with the possibility a disgruntled employee could mix up paperwork, documents, forget some detail, mishandle something that could be vital in my information?\n\nd. IF information isnt actually obtained by Equifax or other CRAs, whose held accountable when called to task by ss602. ( a ) ( 1 ) ( 2 ) ( 3 ) & ( 4 )?\n\n( 3 ) The idea that XXXX does Americas credit rating by accepting unverified documentation and having no intent to produce such evidence to consumers when requested is unhealthy business ethics which brings harm to all CRAs. At the same time, they bring non-positive feelings to public confidence against those charged with managing our credit scores, credit standings, credit capacities, character and general consumer reputations. This is exactly what Congress meant in ss602. ( Findings and Purpose ) when it said [ FCRA ] there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. [ ss602. ( a ) ( 4 ) ] a. I feel XXXX   certainly has failed to live up to those standards in my dispute of the information. \nb. A remedy should favor support by the CFPB of deletion. \n\n\n\n\n\n\n************************************************************************************* THE COURT : XXXX   suggested I seek additional information from the court. \nAnticipating such a response, I contacted the United States Bankruptcy Court, District of New Hampshire, Clerk of the Court XXXX XXXX XXXX. \nXXXX XXXX letter is attached to this file, however here is her basic response : The XXXX XXXX does not supply information to credit reporting agencies. \nFrom this information one would ask how does the CRAs get the alleged information? \nThey dont get it directly from the court as XXXX claimed. \no Not keeping with SS602. ( b ) Someone else is saying they obtained the information from a court.\n\no Not keeping with SS602. ( b ) Sometimes were not told who that someone else is XXXX. \no Not keeping with SS602. ( b ) Then when they claim theyve obtained information from another source, is that meeting the standards of the Fair Credit Reporting Act?\n\no Not keeping with SS602. ( b ) ************************************************************************************* XXXX : ( 1 ) My wife and I have been notified in 6 or 7 credit breaches since XX/XX/2015. \na. Documentation submitted. \n( 2 ) To mention the better known of these ; XXXX, XXXX, XXXX, XXXX, and others. Weve also been the victims of at least one Credit Card Fraud just a month ago ( XXXX XXXX ). Were ever watchful of additional activities on our credit reports fearing identity theft from that recent fraud event. \n( 3 ) Subsequently, Ive placed a Security Alert on all three major CRAs.\n\na. Ive also placed a Freeze and Opted-Out on XXXX information suppression program. Copies of confirmations are attached. \nb. I feel especially vulnerable knowing the big-3 rely on 3rd Party vendors and fail to provide validations of highly important and sensitive information before putting it on a public record.\n\nAS A CONSUMER and after really reading the Fair Credit Reporting Act, the following opening remarks, I believe, set the tone of the laws intent : The ( United States ) Congress makes the following findings : the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. [ ss602 ] I ask your support in recognizing when the big guys dont follow the law consumers lose.\n\nWhen consumers lose the economy loses.\n\nWhen the economy loses the country struggles.\n\nThat struggle, includes continued successes of big business the circle completes.\n\nBased on in-actions, non-compliance, and a lack of respect for consumers right to privacy, supporting delete the information is the right remedy in this case. \n\nXXXX XXXX, NH","date_sent_to_company":"2018-03-29T18:03:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"032XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2858744","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-03-29T18:03:26.000Z","state":"NH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Weve also been the victims of at least one Credit Card Fraud <em>just</em> a month ago ( XXXX XXXX ). Were ever watchful of additional activities on our credit reports fearing identity theft from that recent fraud event. \n( 3 ) Subsequently, Ive placed a <em>Security</em> Alert on all three major CRAs.\n\na. Ive also placed a Freeze and Opted-Out on XXXX information suppression program. Copies of confirmations are attached. \nb."]},"sort":[5.4615326,"2858744"]},{"_index":"complaint-public-v1","_id":"2858739","_score":5.459078,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am filing a three Credit Reporting Agency complaint the big-3. The subject is the same for each bankruptcy reported on my credit reports. I believe they have not followed the law on reporting, and request the information be deleted. My original disputes with each of them was submitted in writing by certified US Mail, asking only what the FCRA provides consumers can reasonably ask ; ( 1 ) authentication and ( 2 ) verification.\n\nTo their credit, they all three responded within the allowed 30-day time frame. However, note the extent and effort put forth in their responses : *************************************************************************************************** EXPERIAN : ( 1 ) Response was ; the company that reported the information has certified to Experian that the information is accurate. Additional comment, no change.\n\n( 2 ) Thats what I requested in writing, and expected in response ; certification, documentation, and proof to have the information verified directly to me, the consumer. This did not happen.\n\n( 3 ) The FCRA, our nations credit reporting law, established back in XX/XX/XXXX states [ FCRA ] consumers have the right to obtain this information ( 4 ) I was told the company that got the information certified it to Experian.\n\n( 5 ) I made a lawful demand for certification. The consumer ( myself and any others making the same request ) do not care that an unnamed company says to them, its certified. Were trusting all the CRAs to [ FCRA ] assume a vital role in assembling and evaluating consumer credit and other information on consumers. XXXX. ( a ) ( 3 ) a. Their response totally misses the point of the FCRA, XXXX. ( a ) ( 2 ) & ( 4 ). As far as Im concerned, Experian is reporting very negative information on my credit report that they had no part in collecting directly from a source. This in and of itself falls short of the intents of Section 602, Findings and Purpose. All CRAs must work within FCRAs guidelines of [ FCRA ] assure accuracy, preserve the general reputation of consumers, and demonstrate the respect for consumers right to privacy.\n\n( 6 ) Who got the information? What company? Is there proof that anybody verified this negative information BEFORE it was used? Perhaps the answer is, it has never been validated.\n\n( 7 ) Then, no change, meaning, theyve made no changes in the stated information. Hopefully when a responsible consumer writes one of the big-3 with such concerns, they realize theres a real-live family going on at the other end of the letter. Shouldnt Experian have a better response than the company that reported it says.? To me its the same as if I never submitted a dispute.\n\n( 8 ) Clearly, the CRA failed to obtain documentation to meet the requirements and requests of the consumer. Unacceptable. They deal with this kind of situation all the time.\n\n( 9 ) Experian has shown its position which equate to several examples of non-compliance of the FCRA. A consequence should be awarded the consumer in this case deletion.\n\n( 10 ) Referring directly to the Fair Credit Reporting Act, XXXX. ( a ) : a. [ FCRA ] If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.\n\nb. Emphasis added : any item, inaccurate, delete such information.\n\n************************************************************************************* XXXX : ( 1 ) Response was ; Information Updated, then they printed the information which looks exactly like the first version of the disputed information saying this is what it looks like now. This is not in keeping with the Title VI, XXXX, Findings and Purpose.\n\na. [ FCRA ] There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.\n\ni. XXXX response of information updated is unclear. I had to read the information several times before I saw one item different the name of the alleged court. They changed from the first version to a new version. No mention of verification, no explanation of any investigation, no follow-up, and no supporting documentation as requested.\n\nii. The information remains unverified, and as such is incorrect.\n\n1. This information is a violation of XXXX ( a ) : ( a ) If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.\n\n( b ) Emphasis added : inaccurate, delete such information.\n\n( 2 ) Procedure in case of disputed accuracy a. [ FCRA ] If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status. XXXX. ( a ) i. XXXX   was obligated to conduct a thorough, validating re-investigation. Obligated to prove what theyd written in my credit report. Why? Because the consumer followed the law challenging the information, challenging its validity, depending on them to do their jobs and meet certain mandates.\n\nii. This amounts to nothing more than XXXX   following their normal standard operating procedures following the laws of the FCRA, its their business.\n\niii. They did not do this. They simply replied a change was made.\n\niv. Obviously, a change was made, a name. However, XXXX  failed in a major way by short-shirting its responsibilities and not living up to the expectations of the federal law.\n\nv. A remedy should favor support by the CFPB of deletion.\n\n1. [ FCRA ] If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.\n\nFair Credit Reporting Act, XXXX. ( a ) ************************************************************************************* XXXX : ( 1 ) Response was ; This section includes public record items XXXX  obtained from local, state and federal courts through a third-party vendor, XXXX, This bankruptcy is currently reporting as discharged. If you have additional questions about this item please contact ( the court ), a. IF XXXX  has public record items obtained from court as claimed, upon receipt of my dispute and requests in writing, they were obligated to comply and provide these records.\n\nb. XXXX failed to satisfy the request of validation of the information ; XXXX. ( a ) ( 1 ) ( 2 ) : i. [ FCRP ] Disclosures to Consumers Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer the nature and substance of all information in its files on the consumer at the time of the request and the sources of the information.\n\n( 2 ) [ FCRA ] : An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. [ XXXX. ( a ) ( 2 ) ] a. If XXXX ( and possibly Experian and XXXX ) relies on a third-party vendor ; a. How does the information get to the consumer when the CRA does not verify?\n\nb. How can even a third-party-vendor be allowed to go around the FCRA and not verify with accountability to the consumer?\n\nc. Am I supposed to be satisfied with the possibility a disgruntled employee could mix up paperwork, documents, forget some detail, mishandle something that could be vital in my information?\n\nd. IF information isnt actually obtained by XXXX  or other CRAs, whose held accountable when called to task by XXXX. ( a ) ( 1 ) ( 2 ) ( 3 ) & ( 4 )?\n\n( 3 ) The idea that XXXX  does Americas credit rating by accepting unverified documentation and having no intent to produce such evidence to consumers when requested is unhealthy business ethics which brings harm to all CRAs. At the same time, they bring non-positive feelings to public confidence against those charged with managing our credit scores, credit standings, credit capacities, character and general consumer reputations. This is exactly what Congress meant in XXXX. ( Findings and Purpose ) when it said [ FCRA ] there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. [ XXXX. ( a ) ( 4 ) ] a. I feel XXXX  certainly has failed to live up to those standards in my dispute of the information.\n\nb. A remedy should favor support by the CFPB of deletion.\n\n************************************************************************************* THE COURT : XXXX suggested I seek additional information from the court.\n\nAnticipating such a response, I contacted the United States Bankruptcy Court, District of New Hampshire, Clerk of the Court XXXX XXXX XXXX.\n\nXXXX XXXX  letter is attached to this file, however here is her basic response : The Clerks Office does not supply information to credit reporting agencies.\n\nFrom this information one would ask how does the CRAs get the alleged information?\n\nThey dont get it directly from the court as XXXX  claimed.\n\no Not keeping with XXXX. ( b ) Someone else is saying they obtained the information from a court.\n\no Not keeping with XXXX. ( b ) Sometimes were not told who that someone else is Experian.\n\no Not keeping with XXXX. ( b ) Then when they claim theyve obtained information from another source, is that meeting the standards of the Fair Credit Reporting Act?\n\no Not keeping with XXXX. ( b ) ************************************************************************************* XXXX  : ( 1 ) My wife and I have been notified in 6 or 7 credit breaches since XX/XX/XXXX.\n\na. Documentation submitted.\n\n( 2 ) To mention the better known of these ; XXXX, XXXX, XXXX, XXXX, and others. Weve also been the victims of at least one Credit Card Fraud just a month ago ( XXXX XXXX ). Were ever watchful of additional activities on our credit reports fearing identity theft from that recent fraud event.\n\n( 3 ) Subsequently, Ive placed a Security Alert on all three major CRAs.\n\na. Ive also placed a Freeze and Opted-Out on XXXX   information suppression program. Copies of confirmations are attached.\n\nb. I feel especially vulnerable knowing the big-3 rely on 3rd Party vendors and fail to provide validations of highly important and sensitive information before putting it on a public record.\n\nAS A CONSUMER and after really reading the Fair Credit Reporting Act, the following opening remarks, I believe, set the tone of the laws intent : The ( United States ) Congress makes the following findings : the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. [ XXXX  ] I ask your support in recognizing when the big guys dont follow the law consumers lose.\n\nWhen consumers lose the economy loses.\n\nWhen the economy loses the country struggles.\n\nThat struggle, includes continued successes of big business the circle completes.\n\nBased on in-actions, non-compliance, and a lack of respect for consumers right to privacy, supporting delete the information is the right remedy in this case.\n\nXXXX XXXX XXXX","date_sent_to_company":"2018-03-29T18:03:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"032XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2858739","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-03-29T17:40:35.000Z","state":"NH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Weve also been the victims of at least one Credit Card Fraud <em>just</em> a month ago ( XXXX XXXX ). Were ever watchful of additional activities on our credit reports fearing identity theft from that recent fraud event.\n\n( 3 ) Subsequently, Ive placed a <em>Security</em> Alert on all three major CRAs.\n\na. Ive also placed a Freeze and Opted-Out on XXXX   information suppression program. Copies of confirmations are attached.\n\nb."]},"sort":[5.459078,"2858739"]},{"_index":"complaint-public-v1","_id":"2858743","_score":5.457277,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am filing a three Credit Reporting Agency complaint the big-3. The subject is the same for each bankruptcy reported on my credit reports. I believe they have not followed the law on reporting, and request the information be deleted. My original disputes with each of them was submitted in writing by certified US Mail, asking only what the FCRA provides consumers can reasonably ask ; ( 1 ) authentication and ( 2 ) verification.\n\nTo their credit, they all three responded within the allowed 30-day time frame. However, note the extent and effort put forth in their responses : *************************************************************************************************** XXXX : ( 1 ) Response was ; the company that reported the information has certified to XXXX that the information is accurate. Additional comment, no change.\n\n( 2 ) Thats what I requested in writing, and expected in response ; certification, documentation, and proof to have the information verified directly to me, the consumer. This did not happen.\n\n( 3 ) The FCRA, our nations credit reporting law, established back in XXXX states [ FCRA ] consumers have the right to obtain this information ( 4 ) I was told the company that got the information certified it to XXXX.\n\n( 5 ) I made a lawful demand for certification. The consumer ( myself and any others making the same request ) do not care that an unnamed company says to them, its certified. Were trusting all the CRAs to [ FCRA ] assume a vital role in assembling and evaluating consumer credit and other information on consumers. ss602. ( a ) ( 3 ) a. Their response totally misses the point of the FCRA, ss602. ( a ) ( 2 ) & ( 4 ). As far as Im concerned, XXXX is reporting very negative information on my credit report that they had no part in collecting directly from a source. This in and of itself falls short of the intents of Section 602, Findings and Purpose. All CRAs must work within FCRAs guidelines of [ FCRA ] assure accuracy, preserve the general reputation of consumers, and demonstrate the respect for consumers right to privacy.\n\n( 6 ) Who got the information? What company? Is there proof that anybody verified this negative information BEFORE it was used? Perhaps the answer is, it has never been validated.\n\n( 7 ) Then, no change, meaning, theyve made no changes in the stated information. Hopefully when a responsible consumer writes one of the big-3 with such concerns, they realize theres a real-live family going on at the other end of the letter. Shouldnt XXXX have a better response than the company that reported it says.? To me its the same as if I never submitted a dispute. \n( 8 ) Clearly, the CRA failed to obtain documentation to meet the requirements and requests of the consumer. Unacceptable. They deal with this kind of situation all the time.\n\n( 9 ) XXXX has shown its position which equate to several examples of non-compliance of the FCRA. A consequence should be awarded the consumer in this case deletion. \n( 10 ) Referring directly to the Fair Credit Reporting Act, ss611. ( a ) : a. [ FCRA ] If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. \nb. Emphasis added : any item, inaccurate, delete such information. \n\n\n\n\n************************************************************************************* XXXX : ( 1 ) Response was ; Information Updated, then they printed the information which looks exactly like the first version of the disputed information saying this is what it looks like now. This is not in keeping with the Title VI, SS602, Findings and Purpose.\n\na. [ FCRA ] There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.\n\ni. XXXX response of information updated is unclear. I had to read the information several times before I saw one item different the name of the alleged court. They changed from the first version to a new version. No mention of verification, no explanation of any investigation, no follow-up, and no supporting documentation as requested. \nii. The information remains unverified, and as such is incorrect. \n1. This information is a violation of SS611 ( a ) : ( a ) If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.\n\n( b ) Emphasis added : inaccurate, delete such information.\n\n( 2 ) Procedure in case of disputed accuracy a. [ FCRA ] If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status. Ss611. ( a ) i. XXXX was obligated to conduct a thorough, validating re-investigation. Obligated to prove what theyd written in my credit report. Why? Because the consumer followed the law challenging the information, challenging its validity, depending on them to do their jobs and meet certain mandates. \nii. This amounts to nothing more than XXXX following their normal standard operating procedures following the laws of the FCRA, its their business. \niii. They did not do this. They simply replied a change was made. \niv. Obviously, a change was made, a name. However, XXXX failed in a major way by short-shirting its responsibilities and not living up to the expectations of the federal law. \nv. A remedy should favor support by the CFPB of deletion. \n1. [ FCRA ] If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. \nFair Credit Reporting Act, ss611. ( a ) ************************************************************************************* EQUIFAX : ( 1 ) Response was ; This section includes public record items Equifax obtained from local, state and federal courts through a third-party vendor, XXXX, This bankruptcy is currently reporting as discharged. If you have additional questions about this item please contact ( the court ), a. IF Equifax has public record items obtained from court as claimed, upon receipt of my dispute and requests in writing, they were obligated to comply and provide these records.\n\nb. Equifax failed to satisfy the request of validation of the information ; ss609. ( a ) ( 1 ) ( 2 ) : i. [ FCRP ] Disclosures to Consumers Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer the nature and substance of all information in its files on the consumer at the time of the request and the sources of the information.\n\n( 2 ) [ FCRA ] : An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. [ ss602. ( a ) ( 2 ) ] a. If Equifax ( and possibly XXXX and XXXX ) relies on a third-party vendor ; a. How does the information get to the consumer when the CRA does not verify? \nb. How can even a third-party-vendor be allowed to go around the FCRA and not verify with accountability to the consumer? \nc. Am I supposed to be satisfied with the possibility a disgruntled employee could mix up paperwork, documents, forget some detail, mishandle something that could be vital in my information? \nd. IF information isnt actually obtained by Equifax or other CRAs, whose held accountable when called to task by ss602. ( a ) ( 1 ) ( 2 ) ( 3 ) & ( 4 )?\n\n( 3 ) The idea that Equifax does Americas credit rating by accepting unverified documentation and having no intent to produce such evidence to consumers when requested is unhealthy business ethics which brings harm to all CRAs. At the same time, they bring non-positive feelings to public confidence against those charged with managing our credit scores, credit standings, credit capacities, character and general consumer reputations. This is exactly what Congress meant in ss602. ( Findings and Purpose ) when it said [ FCRA ] there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. [ ss602. ( a ) ( 4 ) ] a. I feel Equifax certainly has failed to live up to those standards in my dispute of the information. \nb. A remedy should favor support by the CFPB of deletion. \n\n\n\n\n\n\n************************************************************************************* THE COURT : Equifax suggested I seek additional information from the court.\n\nAnticipating such a response, I contacted the United States Bankruptcy Court, District of New Hampshire, Clerk of the Court XXXX XXXX XXXX. \nXXXX XXXX letter is attached to this file, however here is her basic response : The Clerks Office does not supply information to credit reporting agencies. \nFrom this information one would ask how does the CRAs get the alleged information? \nThey dont get it directly from the court as Equifax claimed. \no Not keeping with SS602. ( b ) Someone else is saying they obtained the information from a court.\n\no Not keeping with SS602. ( b ) Sometimes were not told who that someone else is Experian.\n\no Not keeping with SS602. ( b ) Then when they claim theyve obtained information from another source, is that meeting the standards of the Fair Credit Reporting Act?\n\no Not keeping with SS602. ( b ) ************************************************************************************* XXXX : ( 1 ) My wife and I have been notified in 6 or 7 credit breaches since XX/XX/2015.\n\na. Documentation submitted. \n( 2 ) To mention the better known of these ; Equifax, XXXX, XXXX, XXXX, and others. Weve also been the victims of at least one Credit Card Fraud just a month ago ( XXXX XXXX ). Were ever watchful of additional activities on our credit reports fearing identity theft from that recent fraud event. \n( 3 ) Subsequently, Ive placed a Security Alert on all three major CRAs.\n\na. Ive also placed a Freeze and Opted-Out on XXXX information suppression program. Copies of confirmations are attached. \nb. I feel especially vulnerable knowing the big-3 rely on 3rd Party vendors and fail to provide validations of highly important and sensitive information before putting it on a public record.\n\nAS A CONSUMER and after really reading the Fair Credit Reporting Act, the following opening remarks, I believe, set the tone of the laws intent : The ( United States ) Congress makes the following findings : the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. [ ss602 ] I ask your support in recognizing when the big guys dont follow the law consumers lose. \nWhen consumers lose the economy loses. \nWhen the economy loses the country struggles. \nThat struggle, includes continued successes of big business the circle completes. \nBased on in-actions, non-compliance, and a lack of respect for consumers right to privacy, supporting delete the information is the right remedy in this case. \n\nXXXX XXXX, NH","date_sent_to_company":"2018-03-29T18:03:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"032XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2858743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-03-29T18:03:26.000Z","state":"NH","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Weve also been the victims of at least one Credit Card Fraud <em>just</em> a month ago ( XXXX XXXX ). Were ever watchful of additional activities on our credit reports fearing identity theft from that recent fraud event. \n( 3 ) Subsequently, Ive placed a <em>Security</em> Alert on all three major CRAs.\n\na. Ive also placed a Freeze and Opted-Out on XXXX information suppression program. Copies of confirmations are attached. \nb."]},"sort":[5.457277,"2858743"]},{"_index":"complaint-public-v1","_id":"2759570","_score":4.483896,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint and web article is an update from XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX To XXXX. XXXX : Stop Playing Games. Turn over the keys! \nAs Standing Trustee, You ALONE, are Responsible for all Matters Related to Our Assets & Property. To Not Comply is in Defiance of Federal & State Laws! \n\nTO : XXXX XXXX XXXX, Chief Executive Officer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n\nXXXX, NC XXXX WARNING! \n\n\n\n\n\nTAKE HEED Who is Liable? \n\n\n\n\n\n\n\nAccording to Federal and State Municipal and Local Statutory Laws and Codes, that would be : YOU! \n\n\n\n\n\n\n\nBecause your subordinates can not be used as a shield to hide you from your legal transgressions. \n\n\n\n( XXXX XXXX XXXX, XXXX XXXX XXXX Assistant Vice President/Trustee XXXX XXXX : Assistant Vice President, Beneficiary, Bank of America, as \" Servicer '' XXXX XXXX? Mortgage Complaint Resolution ) Legal Sins that continuously and continually are causing the loss of XXXX XXXX and property. \n\n\n\n\n\n\nAt a compounding cost of countless dollars and holdings. \n\n\n\n\n\n\n\n\n\nBut not without financial and legally grave consequences. \n\n\n\n\n\n\n\nBoth Civil and Criminal \" Civil Cases vs. Criminal Cases - Key Differences Civil cases usually involve private disputes between persons or organizations. Criminal cases involve an action that is considered to be harmful to society as a whole. Below is a comparison of the key differences between civil and criminal cases. '' ( XXXX XXXX XXXX ) '' For you, it 's the calm before the storm. \n\n\n\n\n\n\n\n\n\nI need those keys, or you 'll be forced out of seclusion by my rightful and legally permitted plan of action. \n\n\n\n\n\n\n\nI will change the lock ( which I planned to do anywy ) and move in without further notice. \n\n\n\n\n\n\n\nAND ... ..who 'll take the punitive damages liability, the penalty and criminal code punishment if my efforts to extend an Olive Branch to Bank of America falls through? \n\n\n\n\n\n\n\nThe Bank of America Board Chair and CEO, that 's whom. \n\n\n\n\n\n\n\n\n\nI 've requested the keys to XXXX XXXX XXXX XXXX XXXX , CA , but no more. \n\n\n\n\n\n\n\nNow, I 'm demanding them AND QUICK! \n\n\n\n\n\n\n\n\n\nEspecially since learning that the CEO has the ability to hand over those keys because he has first hand access to the property. \n\n\n\n\n\n\n\n\n\n\n\nI will start by confronting you on your tactics, the same asXXXX XXXX XXXX, United States Senator, as he did relative to Bank of America, or should I say, \" your '' Swipe Fees? \n\n\n\n\n\n\n\n\n\n\n\n\" First, there is no evidence that your bank could not continue to offer debit cards profitably just with the revenue you will receive under the generous maximum interchange fee rates that the Federal Reserve has established. The Fed found that it costs a bank on average around 7 cents to conduct a debit transaction, and likely far less for a bank with your economies of scale.\n\nUnder the Feds rule you will be allowed to profit handsomely by collecting around 24 cents per transaction. Your decision to charge a new monthly debit fee is an overt attempt to make even more profit off the backs of your customers. \n\n\n\nSecond, I am aware that you and your industry seek to blame swipe fee reform, which I drafted and Congress enacted, for your decision to raise fees on your customers. However, this justification does not add up. According to industry analysts your bank has 38.7 million debit cardholders. Assuming that these cardholders remain your customers and pay your new {$5.00} dollar fee, Bank of America will make an estimated {$2.00} billion annually from this fee on top of the enormous profit it will already receive under the Feds swipe fee rates. \n\n\n\nYet you recently claimed in an SEC filing that the revenue impact of swipe fee reform on your bank would be significantly less than {$2.00} billion - even if the Fed had set a XXXX cent cap rather than the XXXX cent cap they established. It appears that your new fee will result in another windfall for your bank with swipe fee reform as an excuse. \n\n\n\nI challenge you to prove otherwise. \n\n\n\n\n\nThe American people deserve to know the real story about the swipe fee system and the way big banks have colluded to profit excessively at the expense of our nations businesses and consumers. Debit and credit card swipe fees generate billions for your bank each year. But you did not earn these fees by bettering your competitors in a free market, which is how Main Street businesses have to make their money. \n\n\n\nRather, you earned these billions because the Visa and MasterCard duopoly fixed the same high swipe fee rates for your bank that they did for every other bank, thereby immunizing this revenue stream from competitive pressures that would hold fees at a reasonable level. \n\n\n\nNow that the truth about the anti-competitive swipe fee system has been exposed and the process of reform has begun, banks like yours are desperately looking to keep the money flowing like it did in the past. \n\n\n\nAnd as your new fee demonstrates, you are now looking for ways to make even more lucrative profits off of debit cards than you did before. I do not think your customers will be fooled by this. '' The \" American People '' and I, deserve and demand to know why you 're paying lip service to the approval and recording of a \" Clear Title '' Document. \n\n\n\n\n\n\n\nA Reconveyance indigenous to our referenced property that you knew full well and acknowledged. \n\n\n\n\n\n\n\nThat which already has been evident since XX/XX/XXXX, thanks to a Court Ordered Discharge Decree ofa Chapter XXXX Judge and Trustee. \n\n\n\n\n\n\n\nEspecially in light of your Mortgage racketeering history. \n\n\n\n\n\n\n\n\n\nFirst, it was countrywide Loans, CEOXXXX XXXX XXXX illegally concocted a false claim of ownership, even though we never successfully contracted any agreement with that Company. \n\n\n\n\n\n\n\nWhile under your Trusteeship, XXXX XXXX XXXX and XXXX XXXX joined XXXX XXXX XXXX in a racket to swindle us of possession of our property. \n\n\n\n\n\n\n\nThis charade occurring fewer than two months before we were unceremoniously kicked out of property that you personally declared us as owners, \" Under Penalty of Perjury. '' \" Bank of America tops list of mortgage complaints by borrowers The lender has accounted for 30 % of complaints to the Consumer Financial Protection Bureau, with two-thirds of them involving modifications. \n\nXX/XX/XXXX|By XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America noted that the bureau 's website shows 98 % of the problems ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX. , which handles customer service on about 15 % of U.S. home loans, has accounted for 30 % of the mortgage complaints logged by the Consumer Financial Protection Bureau , according to a new database made public by the federal watchdog. \n\n\n\nThe level of customer discontent far greater than at home-lending rivals XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX reflects BofA 's struggles since its XX/XX/XXXX acquisition of XXXX XXXX XXXX. \n\n\n\nin XXXX. Countrywide had become the No. 1 mortgage firm by specializing in subprime and other high-risk loans. \n\nBofA, which has recorded tens of billions of dollars in losses on Countrywide loans, was the object of 15,136 mortgage complaints since XX/XX/XXXX,  when the consumer bureau began taking complaints about home loans. \n\n\nThe bank noted that the bureau 's website shows that 98 % of the problems have been resolved. '' The way it looks to me, XXXX XXXX XXXX, has assumed possession of the house XXXX XXXX XXXX Stole from XXXX XXXX & XXXX XXXX on XX/XX/XXXX. \n\n\n\n\n\nIn essence, that makes you the succeeding Swindler. \n\n\n\n\n\n\n\nThat means for each day you withhold possession from us, the more for which you shall answer. \n\n\n\n\" California Theft / Larceny Law Theft ( also calledlarceny ) is a crime against property in California. To provetheft, a prosecutor must establish the defendant 's intent to permanently take or withhold the property owner 's possession or right to the property -- in other words, thespecific intent to steal. Theft can take on many forms depending on the type of property taken as it can involve : Personal property ; Money ; Real property ; or The value of labor or services. \n\n\nCalifornia Code, Penal Code - PEN 484 | '' \" XXXX XXXX XXXX Announces Upsize and Pricing of Public Offering of Common Shares XX/XX/XXXX XXXX XXXX  Eastern Standard Time A story in XXXX, says that several Bank and Mortgage Company CEO 's have \" bought out '' XXXX XXXX, the thief who stole XXXX. \n\n\" Sometimes, it can take place entirely without the owner 's knowledge. However, theft can also occur where an owner entrusts property to another for a temporary or ongoing purpose and the recipient then fails to return the property when due. \n\n\nTheft is either classified as petty theft or grand theft in California, a difference that depends on the value of the property. Generally, grand theft exists where the property is valued above {$950.00}, but there are some exceptions, such as where the property is taken from the victim 's person or where the property taken consists of a firearm. '' XXXX XXXX XXXX  '' Or, put another way ; received Stolen Goods `` Receiving Stolen Property What Does It Mean to \" Receive Stolen Property ''? \n\n\nReceiving stolen property is acrime to purchase or accept property that you know or believe was obtained through theft.The crime is separate from robbery, extortion, or theft.Receiving stolen property is a crime in order to deter people from aiding or rewarding thieves by buying stolen property, concealing stolen property, and to deter theft in general. \n\n\n\nReceiving stolen propertymay be a misdemeanor or felony. '' This is in reference to Our home, our assetsin particular, and a plantation of homes in general. \n\n\n\" In order to be convicted of receiving stolen property, the prosecution must show Property Was In Fact Stolen : In order to be convicted of a receipt of stolen property, the property must actually be in a stolen status. \n\nThis means that the police can not set up the defendant to receive the stolen property just to bust him or her. \n\nKnowledge : The defendant must have knowledge that the property was stolen, or should have known, that the property was stolen Intent to Defraud Owner : The defendant had intent to deprive the owner of his or her property, such as by keeping it, selling it, or giving it away to another party. '' XXXX \" owned '' XXXX XXXX, which now is in the hands of several racketeers. \n\n\nAs in the house he stole from us, we have Proof Of Reconveyance, from a Court Ordered Discharge and several CEO 's. \n\n\n\nAmong them, you, as XXXX XXXX XXXX, Bank ofAmerica. \n\n\n\nHard to extend an Olive Branch to a CEO whose Vice Presidents recorded a Deed on behalf of my spouse and yours truly, and then you assume liability Trusteeship of the house ( s ) XXXX swiped. \n\n\n\n\" XXXX XXXX, BofA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX are joint book-running managers for the offering, and XXXX XXXX XXXX is a co-manager for the offering. '' \" U.S. CodeTitle 18Part IChapter 31 641 18 U.S. Code 641 - Public money, property or records prev |next Whoever embezzles, steals, purloins, or knowingly converts to his use or the use of another, or without authority, sells, conveys or disposes of anyrecord, voucher, money, or thing of value of theUnited Statesor of any department or agency thereof, or any property made or being made under contract for theUnited Statesor any department or agency thereof ; or Whoever receives, conceals, or retains the same with intent to convert it to his use or gain, knowing it to have been embezzled, stolen, purloined or converted Shall be fined under this title or imprisoned not more than ten years, or both ; but if thevalueof such property in the aggregate, combining amounts from all the counts for which the defendant is convicted in a single case, does not exceed the sum of {$1000.00}, he shall be fined under this title or imprisoned not more than one year, or both. '' In some states, according to \" XXXX XXXX. XXXX, '' the prosecution must show that you intended to aid the thief by purchasing or accepting the stolen property. \n\n\nSome states also differentiate between receiving and possessing stolen property. \n\n\nWell, if we do n't get the keys to the house, or we encounter resistance when we move in, or fail to acquirewritten and literal assistance to repossess the premises, that 's the direct link to the receiving of stolen property. \n\n\n\" XXXX, Ariz. -- ( XXXX XXXX ) -- XXXX XXXX XXXXXXXX ( XXXX : XXXX ) ( the Company ) announced today that it priced its underwritten public offering of 20,076,891 of its  common shares at a public offering price of {$32.00} per share. \n\nThe Company is offering 9,600,000 of its common shares, according toXXXX, which it says was upsized from the previously announced 8,000,000 common shares, and the selling shareholders are offering 10,476,891 common shares. '' The gross proceeds to the Company, says the article, will be {$310.00} million. \n\n\nThe Company will not receive any proceeds, it says, from the offering of common shares by the selling shareholders. \n\n\n\" The Company and certain of the selling shareholders have granted the underwriters a 30-day option to purchase up to an additional 1,505,465 common shares and 1,506,068 common shares from the Company and such selling shareholders, respectively, at the public offering price. \n\nThe offering is expected to close on XX/XX/XXXX, subject to customary closing conditions. '' By proxy of their lingering partnership in Criminal Foreclosures and other Illegal rackets, You, Bank of America CEO XXXX XXXX XXXX are joined at the hip with all the operatives named in the purchase and sale by XXXX XXXX. \n\n\" What If I Did Not Know That the Property Was Stolen? '' The answer : Bank of America is the Trustee So if my spouse an me, as owners possession of the property, then it 's stolen. \n\n\n\n\" The key factor between receiving and possessing stolen property is the timing of the knowledge that it was stolen. If the person receiving the property knew it was stolen at the time of acquisition, then the person is guilty. If the person discovered the property was stolen after accepting it, but still intends to keep it or use it for a dishonest purpose ( such as selling it to someone else ), then the person is guilty of possessing stolen property. '' Because XXXX knows his act of forgery, fraud and embezzlement have caught up to him. \n\n\n\nXXXX has said he wanted out, and now, out he goes. \n\n\n\" Trump friend XXXX XXXX cashes out of XXXX XXXX XXXX '' And just as your swipe fees caught up to you, your actions and racketeering on real estate issues are catching up too. \n\n\n\n\n\n\" Analysts have noted that the real rationale behind your new debit fee is likely not to cover debit processing costs ( which are minimal and easily covered by the Feds generous rule ) but rather to push more consumers to use credit cards whose swipe fees are still unregulated and far exceed debit swipe fees. But here competition will help provide an important check. \n\n\n\nWhen drafting my legislation I anticipated that banks would push consumers toward credit cards so I included a provision allowing merchants to offer discounts for debit versus credit. This provision will help consumers at the cash register and also will constrain your and other big banks efforts to steer customers toward credit cards with all their attendant tricks and traps. \n\n\n\nYour banks spokespeople and advocates have argued strenuously that I am responsible for your decision to charge this new fee on all but your wealthiest customers. In response to this I will simply point out that my legislation was enacted in XX/XX/XXXX. In XX/XX/XXXX, the XXXX XXXX XXXX reported that your bank was preparing new fees on basic banking services for XX/XX/XXXX and that Bank of America customers who only want a low-volume checking account will likely be asked to pay for it. \n\n\n\n( End is Seen to Free CheckingXXXX XXXX XXXX XXXX, XX/XX/XXXX ). In other words, it is on the record that your bank was preparing new fees just like this one well before swipe fee reform became law. '' https : //www.durbin.senate.gov/newsroom/press-releases/letter-to-bank-of-america-ceo-XXXX. '' So now, Bank of America, as Trustee, has no defense for not coming up with those keys. \n\n\n\n\n\n\n\nEssentially, the Bank CEO has been left holding the Bag by XXXX, as he knows that his Trustee Deed ( s ) Upon Sale, used to steal these homes, are all fraudulent. \n\n\n\n\" What are the Possible Consequences of Receiving Stolen Property? \n\n\nReceipt of stolen property is categorized as a \" wobbler '' meaning that the charge can be a felony or misdemeanor. A charge for a receipt of stolen property charge depends on the value of the property at issue. If the property has a high value, the defendant would be charged a felony. If the property value is low, the defendant would be charged as a misdemeanor. If you are found guilty, the court may do any or all of the following : Imprisonment Restitution Fines ( depending on the value of the property ) Probation '' \" Swipe fee reform is merely your latest excuse for jacking up consumer fees, just like the troubled economy was your excuse in XX/XX/XXXX( Banks Boost Customer Fees to Record HighsXXXX XXXX XXXX XXXX, XX/XX/XXXX ), higher costs and consumers increased riskiness was your excuse in XX/XX/XXXX ( Banks find ways to boost fees ; checking accounts latest targetXXXX XXXX, XX/XX/XXXX ), and overdraft restrictions was your excuse in XX/XX/XXXX ( Banks return to charging credit card, checking account feesUSA Today, May 18, 2010 ). \n\n\n\nYour bank has never been shy about seeking more fee revenue to add to the revenue you already receive from maintenance fees, ATM fees, overdraft fees, extended overdrawn balance fees, stop payment fees, interchange fees, research fees and other fees not to mention the interest you receive from lending out consumer deposits. But banks do not need to gouge their customers to operate successfully. \n\n\n\nBanks instead must choose whether their priority will be their customers or their profits and paychecks. You could, for example, choose to give 1.8 million of your customers a reprieve from your new fee by returning the {$9.00} million bonus you received on top of your {$950000.00} salary in XX/XX/XXXX. That choice is yours to make. '' I would agree, and so too, I submit, would my former colleague, XXXX XXXX The following article connected to the above headline is writtenByXXXX XXXX/XX/XX/XXXX, a colleague of mine at XXXX XXXX XXXX : \" XXXX XXXX, a close confidant of President Donald Trumps, haswalked away from the rental housing empire he built following the housing bust, cashing out his ownership stake in a move likely to make him hundreds of millions of dollars. '' The move came late Friday, according to XXXX XXXX, one day afterXXXX published an exposon the company he founded. \n\n\n\n\n\n\n\n\n\nAccording to afilingwith the Securities and Exchange Commission, says the article 's author, XXXX sold all his stock in XXXX XXXX XXXX and resigned his position as co-chairman of its Board of Trustees. \n\n\n\n\n\n\n\nAbout the time XXXX XXXX sold his holdings, my spouse and me had filed a written complaint against him with the Consumer Financial ProtectionBureau.\n\nWe sent him a Certified package, wherein he found a  copy of Deed ( s ) of Reconveyance from Bank of America ( XX/XX/XXXX ), and a \" Release of Lien \" Letter ( XX/XX/XXXX ) from XXXX XXXX, XXXX, a \" Wholly-Owned '' subsidiary of Bank of America. \n\n\n\n\n\n\" XXXX XXXX XXXX XXXX, XXXX. \n\n\nLien Release Department XXXX XXXX XXXX XXXX. \nXXXX : AZXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX RE : Substitution of Trustee and Full Reconveyance Property Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Homeowner, Please be informed that when a mortgage or deed of trust is paid in full, the public records must be cleared using a legal document called a lien release or reconveyance. A lien release is a document which \" releases '' a lien on property included in public records. The lien release serves as notification that the borrower no longer owes that specific debt secured by an interest in the property. \n\nIn the states of California, Idaho, Montana, Nebraska, Nevada, Oregon, Utah, and Washington, the Reconveyance is combined or accompanied by a Substitution of Trustee wherein the lender or current holder/beneficiary substitutes the original Trustee with a new trustee. \n\nXXXX XXXX, XXXX, is substituted in the above referenced states to replace the original trustee for the very purpose of releasing a lien on the property. The document is accurate and properly recorded based onthe state statutory guidelines and it removes th encumbrance from your property. \n\nXXXX XXXX XXXX, is a wholly-owned subsidiary of Bank of America, N.A., and is  responsible for preparing, executing, notarizing and sending real property lien releases on behalf of Bank of America. \n\nPaid-in-full loans are referred to XXXX XXXX, XXXX, for lien release processing, All lien releases or reconveyances are recorded with the Country Recorder 's office where the original Deed of Trust or Mortgage was recorded. Please retain for your records the lien release or reconveyance you received as that is proof that your loan is paid in full and released from public records. '' Thank you for your business XXXX XXXX XXXX, XXXX. \nLien Release Department '' In addition, we mailed within the packet, copies of Reconveyances from : b ) XXXX XXXX XXXX XXXX. \n\n\n\nc ) XXXX XXXX XXXX ( both now owned by XXXX XXXX XXXX ) d ) XXXX XXXX, XXXX. ( XXXX XXXX XXXX ) e ) XXXX XXXX XXXX XXXX XXXX and the Chapter XXXX Banruptcy Case XXXX, via a Purchase and Sale Agreement ( XXXX XXXX XXXX ) Contracted using the signatures of XXXX XXXX and XXXX XXXX, without our knowledge or permission. \n\n\n\n\n\n\n\nThrough the relay racket, possession of our home was left to the clutches of XXXX XXXX XXXX XXXX, which then colluded with XXXX XXXX XXXX whose Company then was called \" XXXX XXXX XXXX XXXX ), to steal our home with a forged Trustee Deed. \n\n\n\n\n\nAccording to XXXX the phenomenon XXXX started where tens of thousands of single-family homes are bundled into giant mortgage-backed securities, creating new incentives designed, to skimp on maintenance and maximize rents, says the author, But the phenomenon XXXX started will outlive his ownership. \n\n\n\n\n\n\" XXXX, who often says he likes to befriend the bewildered, has made a career out of profiting off other peoples pain. He began buying houses in XXXX, telling an audience in XXXX that the mass purchases of homes previously foreclosed on was the greatest thing Ive ever done. \n\n\n\n\" Current tenants, however, say the company piles on onerous fees and forces them to live with chronic leaks, mold, mites and even snake infestations. '' While in action with his stolen goods, XXXX XXXX XXXX was making deals with the XXXX, so to speak, and committing acts of treachery against \" tenants '', who probably were the same homeowners from whom the properties were stolen, and converted to Rentals. '' In one county in the XXXX area, says XXXX, the company filed eviction notices against one-third of its tenants, according to a report by the XXXX XXXX XXXX XXXX XXXX. \n\n\n\n\n\nWere just little people in his world, XXXX XXXX, XXXX, said of XXXX. \n\n\n\nTwo weeks after her family moved into a XXXX XXXX home in suburban XXXX, she said a ceiling fan fell on her bed. \n\n\n\nXXXX first signaled his intention to sell in afilingwith the SECon Wednesday, says the article, a week after XXXX contacted the company for comment andfive days after XXXX talked to XXXX by phone, telling him directly that we planned to publish an investigation into poor conditions and mass evictions by XXXX. '' And I and others like me will continue pressing for that investigation, among others, as well as writing to the courts that have Bank of America and the others under foot. \n\n\n\n\n\nNot only will we pressure them into turning on their heretofore partners, but throwing them under the bus to save their own skins. \n\n\n\n\n\nIn this upcoming example, an appeals court made a clear distinction between two separate versions of purchase and sale. \n\n\n\" XXXX XXXX XXXX XXXX XXXX XXXX Court of Appeal, Fourth District, Division 3, California. \nXXXX XXXX, Plaintiff and Appellant, v. XXXX XXXX XXXX XXXX, XXXX. et al., Defendants and Responde XXXX Decided : XXXX XXXX XXXX ORDER MODIFYING OPINION ; NO CHANGE IN JUDGMENT. \n\nOn the court 's own motion, we modify the opinion by deleting the sentence on page 10, stating, Additionally, the debtor has the right to postpone the foreclosure sale for one day to pay off the outstanding debt. ( XXXX v. XXXX XXXX XXXX ( 1985 ) 165 Cal.App.3d 312, 317320. ) Whatever the Court 's opinion, the distinction they make is clear and decisive, related to mortgages and transfer of title for a sale. \n\n\n\n\n\n\" As we noted at the outset of this opinion, the Legislature has eliminated most of the legal and economic distinctions between a mortgage containing a power of sale and a deed of trust. ( XXXX, supra, 270 Cal.App.2d at p. 553 [ holding same rules are generally applied to mortgages and deeds of trust because there is little practical difference between the two instruments ]. ) However, some distinctions between the two security devices endure. \n\n\n\nProbably the most significant distinction is the execution of a mortgage involves only two parties ( i.e., he mortgagor and mortgagee ) ; whereas the execution of a deed of trust necessarily involves three parties ( i.e., the trustor-debtor, beneficiary-creditor, and trustee ) because title to the real property and the power of sale are conveyed to the third party trustee, who holds the interest for the benefit of the beneficiary-creditor. ( See XXXX, XXXX, XXXX XXXX at p. 1510. ) '' In the case of a Title already transferred, the matter of a Deed of Trust is moot, and any purchase and sale agreement therefore is illegal. \n\n\n\n\n\nAnd if I am pushed to it, or someone challenges my demand for the keys, I will prove to them that the law ( s ) regarding refinancing, Purchase and Sale Contracts have been abused, butchered, broken. \n\n\n\n\n\nMy spouse and I have obtained transfer of the Deed of Trust to a Title all the way back to XX/XX/XXXX, in the U.S. Chapter XXXXBankrupty court ( XXXX ). \n\n\n\nThe court Discharged, our Debt and issued an order directing that the Title be transferred to my spouse and me, based on the \" Final Decree '' submitted byXXXX XXXX as U.S. Chapter XXXX Trustee in the above-referenced case. \n\n\n\n\n\" The Final Decree After the submission of a reorganization plan, the bankruptcy court conducts a hearing for confirmation. In certain cases, there may be some alteration or modification due to the interference of the interested parties. If there is no alteration or modification in the reorganization plan, the bankruptcy court initiates steps for the affirmation of the plan. \n\n\n\nAfter completion of all post-confirmation proceedings of the plan, the bankruptcy court sets time limits for filing a final report and motion for a final decree. \n\n\n\nThe Bankruptcy Code requires the court to close a bankruptcy case immediately after full administration of the real property and the discharge of the US Trustee. In short, the entry of a final decree is meant to close a bankruptcy case. '' An Order for a Deed of Reconveyance came with the Discharge. \n\n\n\nThe Order was fulfilled by XXXX XXXX XXXX XXXX, which recorded a Deed of Reconveynance on that same date : XX/XX/XXXX.\n\nIn this upcoming example, again, the appeals court made a clear distinction between two separate versions of purchase and sale. \n\n\n\n\" As the XXXX court explained, section 2932.5 's purpose is not to ensure that borrowers can identify who is holding their loans. Section 2932.5 requires the recorded assignment of a mortgage so that a prospective purchaser knows that the mortgagee has the authority to exercise the power of sale. \n\n\n\nThis is not necessary when a deed of trust is involved, as the trustee conducts the sale and transfers title. [ Citation. ] It is the trustee 's holding and transferring of title that underlies the application of different recording requirements than those required of mortgagees under section 2932.5 [ T ] he literal application of section 2932.5 to  deeds of trust would effectively require the power of sale to be transferred to the lender, contrary to the terms of the trust deed and of section 2934a which provides detailed requirements for the transfer of the power of sale to another trustee. ( XXXX, supra, 205 Cal.App.4th at p. 336, fn. omitted. ) We agree with the XXXX court that the transferee of a promissory note secured by a deed of trust is not a mortgagee, or other encumbrancer to whom a power of sale is given within the meaning of section 2932.5, and such a transferee need not have a duly acknowledged and recorded interest in the promissory note before exercising the power of sale. \n\n\n\n( XXXX, supra, 205 Cal.App.4th at p. 333. ) '' And if pressed to do so, I gladly will embarrass these detractors by proving their treachery, Evasion of Taxes, Embezzlement and Seizure of Assets and of Property without authority or legal standing. \n\n\n\n\" U.S. CodeTitle 12Chapter 38A 3763 12 U.S. Code 3763 - Transfer of title and possession prev|next ( a ) Delivery of deeds The foreclosure commissioner shall, upon delivery of a deed or deeds to the purchaser or purchasers ( which shall be without warranty or covenants to the purchaser or purchasers ) obtain the balance of the purchase price in accordance with the terms of sale provided in the notice ofdefaultand foreclosure sale. \n\n\nNotwithstanding anyStatelaw to the contrary, delivery of a deed by the foreclosure commissioner shall be a conveyance of the property, and constitute passage of title to the mortgaged property, and no judicial proceedings shall be required ancillary or supplementary to the procedures provided in this chapter to assure the validity of the conveyance or confirmation of such conveyance. \n\n\n( b ) Right of possession A purchaser at a foreclosure sale held pursuant to this chapter shall be entitled to possession upon passage of title under subsection ( a ) to the mortgagedproperty, subject to any interest or interests not barred undersection 3765 of this title. \n\nAny person remaining in possession of the mortgaged property after thepassageof title shall be deemed a tenant at sufferance subject to eviction under Penalty of Perjury.","date_sent_to_company":"2017-12-20T08:42:57.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"94538","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2759570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-12-20T03:31:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["In other words, it is on the record that your bank was preparing new fees <em>just</em> like this one well before swipe fee reform became law. '' https : //www.durbin.senate.gov/newsroom/press-releases/letter-to-bank-of-america-ceo-XXXX. '' So now, Bank of America, as Trustee, has no defense for not coming up with <em>those</em> keys. \n\n\n\n\n\n\n\nEssentially, the Bank CEO has been left holding the Bag by XXXX, as he knows that his Trustee Deed ( s ) Upon Sale, used to steal these homes, are all fraudulent."]},"sort":[4.483896,"2759570"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":11,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":11}]}},"product":{"doc_count":11,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3}]}},{"key":"Mortgage","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other type of mortgage","doc_count":2},{"key":"Conventional home mortgage","doc_count":1}]}},{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Medical debt","doc_count":1},{"key":"Mortgage debt","doc_count":1}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":1}]}}]}},"issue":{"doc_count":11,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Public record information inaccurate","doc_count":3}]}},{"key":"Closing on a mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was result of identity theft","doc_count":1}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using the card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using the card to withdraw money from an ATM","doc_count":1}]}},{"key":"Written notification about debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":1}]}}]}},"timely":{"doc_count":11,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":10},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":11,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":11}]}},"submitted_via":{"doc_count":11,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":11}]}},"company":{"doc_count":11,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"AMERICAN EXPRESS COMPANY","doc_count":1},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":1},{"key":"CMG Financial Services, Inc.","doc_count":1},{"key":"Comerica","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"FIRST CITIZENS BANCSHARES, INC.","doc_count":1},{"key":"Grant & Weber","doc_count":1},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1}]}},"state":{"doc_count":11,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"NH","doc_count":3},{"key":"MI","doc_count":2},{"key":"CA","doc_count":1},{"key":"FL","doc_count":1},{"key":"KY","doc_count":1},{"key":"MT","doc_count":1},{"key":"PA","doc_count":1},{"key":"SC","doc_count":1}]}},"company_public_response":{"doc_count":11,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":5}]}},"tags":{"doc_count":11,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American, Servicemember","doc_count":4},{"key":"Older American","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}