{"took":154,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":135,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3838828","_score":18.16724,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am trying to use my Barclay Aviator Master Card via XXXX  XXXX  to transfer money to my fiancee. However, the transfer was declined by XXXX XXXX and they refused to tell me what the issue was. After a lot of digging, it appears that Barclay declined/blocked the transaction and did not tell me about it for several hours. This is an emergency situation and need to get this done asap. \ni called Barclay and they said that it is standard procedure. I had already told them i was doing this, however it was still blocked. \n\nThis issue has caused me a loss of 2.5 hours of pay due to having to leave work to get this done, but they don't care. They claim this is a security feature, however it is a huge inconvenience and i have asked repeatedly to intervene. It is NOT a customer security feature, but rather an internal loss prevention geared towards their own benefit which the customer just has to suffer with. \nany help is greatly appreciated.","date_sent_to_company":"2020-09-17T14:13:12.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"30906","tags":null,"has_narrative":true,"complaint_id":"3838828","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2020-09-10T13:04:58.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["i called Barclay and they <em>said</em> that it is <em>standard</em> procedure. I had already told them i was doing this, however it was still blocked. \n\nThis issue has caused me a loss of 2.5 hours of pay due to having to leave <em>work</em> to get this done, but they don't care. They claim this is a <em>security</em> feature, however it is a huge inconvenience and i have asked repeatedly to intervene."]},"sort":[18.16724,"3838828"]},{"_index":"complaint-public-v1","_id":"14856452","_score":17.574163,"_source":{"product":"Debt collection","complaint_what_happened":"Received a phone call on XX/XX/year> at XXXX XXXX  standard time from XXXX XXXX XXXX XXXX phone number is XXXX. I called back thinking it was a business call. Representative started sharing sensitive information right away and without warning. I tried to stop him and let him know that he must be looking for someone else because this is my work phone but he continued and got irate and said why would I call back for a debt that's not mine even though he didn't leave a voicemail explaining the reason of his call. I called back and again he started reading of the old recipient of the phone numbers, social security number and date of birth. Again I tried to explain the situation but he just accused me of being a guy named XXXX and said that I'm lying and just trying to dodge the debt. Not only did he call before XXXXXXXX XXXX but he was trying to bully me. Its collection agencies like these that are putting American citizens information at risk. The only reason I am making this complaint is because XXXX acted so belligerent with that information that he could seriously put someone's identity at risk.","date_sent_to_company":"2025-07-24T21:46:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"96817","tags":null,"has_narrative":true,"complaint_id":"14856452","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AA Recovery Solutions, Inc.","date_received":"2025-07-24T21:39:37.000Z","state":"HI","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I tried to stop him and let him know that he must be looking for someone else because this is my <em>work</em> phone but he continued and got irate and <em>said</em> why would I call back for a debt that's not mine even though he didn't leave a voicemail explaining the reason of his call. I called back and again he started reading of the old recipient of the phone numbers, social <em>security</em> number and date of birth."]},"sort":[17.574163,"14856452"]},{"_index":"complaint-public-v1","_id":"3010843","_score":17.496471,"_source":{"product":"Mortgage","complaint_what_happened":"A tornado hit my house, and caused damage. I dealt with the claim through the insurance, and after a number of weeks, had resolved the amount and was going to hire my contractor to repair the work. The mortgage company caught wind, and refused to allow payment from the insurance until I satisfied their documentation demands, which I did. I called to ask why they needed all of the information they were requesting, and they rudely told me it was their money and I had to do whatever they said. I sent the insurance check to them via USPS tracking to be endorsed. They apparently sent the fully endorsed check through standard mail with absolutely no interest in verification or tracking and told me via email that if I wanted security I should have paid for it myself ahead of time, and that it was not their problem if the check was lost or stolen, that I could just deal with the insurance company if that happened.","date_sent_to_company":"2018-09-05T17:07:52.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"064XX","tags":null,"has_narrative":true,"complaint_id":"3010843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Idaho Housing And Finance Association","date_received":"2018-09-05T16:57:56.000Z","state":"CT","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["They apparently sent the fully endorsed check through <em>standard</em> mail with absolutely no interest in verification or tracking and told me via email that if I wanted <em>security</em> I should have paid for it myself ahead of time, and that it was not their problem if the check was lost or stolen, that I could <em>just</em> deal with the insurance company if that happened."]},"sort":[17.496471,"3010843"]},{"_index":"complaint-public-v1","_id":"9031547","_score":17.484306,"_source":{"product":"Credit card","complaint_what_happened":"I just received my credit card today and activated it. When I tried to add it to XXXX XXXX, it required me to verify it over the phone. When I tried, I answered my security question and provided my card details and was connected to a representative. They required an ADDITIONAL phone number, despite me calling from the number listed on my account. I couldn't initially provide XXXX but then provided them a work phone number, but that \" didn't meet their standards '' so they couldn't use it. They said there was no additional way to verify my account if I couldn't provide another phone number, and they triggered a fraud alert on my account without even telling me, and now I can not even use my card until I received a letter via snail mail in XXXX days.","date_sent_to_company":"2024-05-17T09:52:19.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"30312","tags":null,"has_narrative":true,"complaint_id":"9031547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-05-17T09:44:09.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["I <em>just</em> received my credit card today and activated it. When I tried to add it to XXXX XXXX, it required me to verify it over the phone. When I tried, I answered my <em>security</em> question and provided my card details and was connected to a representative. They required an ADDITIONAL phone number, despite me calling from the number listed on my account. I couldn't initially provide XXXX but then provided them a <em>work</em> phone number, but that \" didn't meet their <em>standards</em> '' so they couldn't use it."]},"sort":[17.484306,"9031547"]},{"_index":"complaint-public-v1","_id":"2179522","_score":14.80618,"_source":{"product":"Credit card","complaint_what_happened":"Barclays took over my XXXX XXXX card with XXXX points XX/XX/XXXX. From the moment the account transferred over I have not been able to open an online account, set up autopay, see my charges or pay my bill because their entire system is based on your social security number, and for some reason it takes 3-5 business days for them to record it. What is disturbing is that mine does n't work because someone else is using my social security number on their account. It has been over 7 months and Barclay 's still has not resolved the issue. I even faxed them a copy of my social security card, at their request, but no one ever confirmed they got it, it is just lost in their company somewhere. Because of this I can not open an online account. I have to call to check my charges, and call in to make a payment, first I have to go through a series of transfers and holds, it takes 45 min - 1 hr, my identity is questioned ad nauseam, then they finally realize the situation and offer to update my social security number, but the problem is they are not actually able to do this, there is some kind of glitch in their system, and they also can not reassure me that the other person using my social security number has been stopped, in fact they can verify as of tonight that the person is still using it. I ask them to put a stop to it, they say it will take 3-5 business days, and that they will call me back, but it never gets fixed and they never call back. I have to call them and go through the whole process all over again, this has happened 15 times in the last 7 months and there is no end in sight. They even charge me late fees while acknowledging that I can not pay without calling and wasting an hour of my time. Once they charged me the late fee after informing me that I was 10 minutes late calling, because it was based on Eastern Standard Time, even though neither of us was on the east coast. I asked to talk to a manager and was told there was no higher supervisor available, I asked for security and was told that security did n't take phone calls, but then another time I called I was transferred to security even though I did n't ask for it. One of the many managers I spoke to said the only thing I could do was write a letter to their headquarters through snail mail. There is more but I will stop here. At this point I am just going to pay it off and close the account. Their customer service is horrible and their lack of security and execution of tasks is downright frightening. They simply do n't know what they are doing and can not be trusted with money. They should be shut down before they do serious damage.","date_sent_to_company":"2016-10-26T04:26:42.000Z","issue":"Credit card protection / Debt protection","sub_product":null,"zip_code":"80205","tags":null,"has_narrative":true,"complaint_id":"2179522","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2016-10-26T04:26:41.000Z","state":"CO","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":["I even faxed them a copy of my social <em>security</em> card, at their request, but no one ever confirmed they got it, it is <em>just</em> lost in their company somewhere. Because of this I can not open an online account."]},"sort":[14.80618,"2179522"]},{"_index":"complaint-public-v1","_id":"1413511","_score":13.553838,"_source":{"product":"Credit card","complaint_what_happened":"American Express recently completed a review of my finances. My credit cards with that bank have been canceled due to what they have said : according to the income that the bank has assessed based on records on file, my income does not support the spending on the accounts. \n\nI am XXXX and have substantial benefits for myself and all family members. I am the payee for my daughter. My wife 's benefits are listed in our joint tax filings. The bank has assessed our income based solely on line XXXX, total [ taxable ] income, of our 2014 tax filing. Our XXXX benefits, however, are not taxable and so do not figure into line XXXX of our tax filing. \n\nThe bank has assessed our income at less than 5 % of what should be computed in a standard lending procedure. We had only just completed a different financial review to successfully refinance our automobile, justifying our claims that the income we report to lenders is correct. \n\nAm I correct in my view that the lending practice of American Express is a violation of the XXXX? Is this also a violation of ECOA ( discriminating based on source of income, i.e. some sources of income shall not be considered XXXX? I have tried educating the financial review team of said bank ; they will not budge. I have spoken to XXXX of the American Express financial review team in XXXX. XXXX did most of the work on my financial review by my understanding. I also appealed to XXXX supervisor, XXXX XXXX. Both XXXX and XXXX did read aloud the portion of social security income listed on our tax filings ( my daughter 's income not shown there XXXX. Neither XXXX nor XXXX would reassess our income. According to conversations with the XXXX ladies, they are under instruction to only assess income as what is shown on XXXX filing line XXXX XXXX total taxable income ) or line XXXX XXXX adjusted gross income ) whichever is higher.","date_sent_to_company":"2015-06-09T21:50:20.000Z","issue":"Closing/Cancelling account","sub_product":null,"zip_code":"479XX","tags":null,"has_narrative":true,"complaint_id":"1413511","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2015-06-09T21:50:19.000Z","state":"IN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have tried educating the financial review team of <em>said</em> bank ; they will not budge. I have spoken to XXXX of the American Express financial review team in XXXX. XXXX did most of the <em>work</em> on my financial review by my understanding. I also appealed to XXXX supervisor, XXXX XXXX. Both XXXX and XXXX did read aloud the portion of social <em>security</em> income listed on our tax filings ( my daughter 's income not shown there XXXX. Neither XXXX nor XXXX would reassess our income."]},"sort":[13.553838,"1413511"]},{"_index":"complaint-public-v1","_id":"13272957","_score":13.338015,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a complaint against TransUnion business practices, but I'm starting from the beginning with this issue, so please bear with me while I describe the entire situation. \n-On XXXX XXXX XXXX XXXXXX/XX/year> at XXXXXXXX XXXX, I received a text message from my XXXX XXXX XXXX  card asking if I was aware of a recent transaction on my card. I hadn't done the transaction and replied \" NO ''. \n-That same evening, after receiving the text message, I signed into my online account and saw that there were XXXX transaction successfully completed before the one that triggered the fraud alert, so my account was definitely compromise. \n-On XXXX evening, XX/XX/year> at XXXX after work, I called XXXX XXXX XXXX and was on the phone for XXXX XXXX with they security representative disputing the fraudulent activity and providing all the details they requested. During this call I learned that somebody had called into the XXXX XXXX XXXX customer service on the XXXX and 1 ) requested a payment of {$1000.00} be made from my checking account on file and also requested a credit limit increase. Based on this information, it appeared that whoever was perpetrating the fraud had enough person information to pass the security check so i figured I would take the time to lock my credit report with the credit reporting agencies. \n-At the same time I was working with XXXX  XXXX XXXX XXXX security representative, I went online and successfully froze my XXXX  credit report using a service I pay for called XXXX XXXX. I then signed into Experian IdentityWork, a service I have for free from a past data breach, and froze my XXXX  credit report. \n-Finally, I have never engaged with TransUnion so I went to their website and it said that in order to freeze my credit report I would need to sign up for a free account. So, this same evening, I started the process of setting up a free account. After all my information was entered I received an OTP and entered the code and it says \" Locked Account - At this time, we are unable to let you access the TransUnion XXXX XXXX XXXX. For assistance, please contact the Website Access Support team at XXXX. Our support team is available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' Since the call with XXXX XXXX XXXX XXXX didn't end until after XXXX CT ( XXXX XXXX ) so I was going to have to call them after work on Thursday, XX/XX/XXXX. Just noting, so far this is a bad TransUnion experience that only gets worse from here. \n-Thursday, XX/XX/year> at XXXX XXXX  ( XXXX ET ), I call XXXX. I'm go thru the XXXX prompts for all the security information and am connected with a call center out of foreign country. I provide the necessary additional security information and explain the current situation : I successfully established new credentials for signing into TransUnion to freeze my credit report, but when I attempt to sign in it says the account is locked. After a XXXX minute hold I'm told this new account is locked ( I already knew this from trying to sign into the website ) and it can never be accessed. I was told I could get a free copy of my credit report and they said they could freeze my credit report on my behalf over the phone, but I could never sign in to free it through the account I just setup the night before and they could not provide an explanation for why. After request addition information they didn't not have available, I asked how this could be resolved and was told there was no path to resolution. At this point I requested the call be escalated to the next level so I could get an explanation and resolution to this issue. \n-I was transferred to \" a supervisor '' from the same foreign country and after providing the security information and re-explaining the situation, I was put on hold for XXXX more minutes after which I was once again advised that the account was locked ( I already knew this from trying to sign into the website ), it could never be accessed, and they could freeze my credit report over the phone. This time when I asked \" why '', they said I was a victim of a previous identity theft ( I am not ) and so TransUnion has determined I will never be eligible to sign into their website to freeze my credit, and have confirmed there is no path to resolution. Further, this issue could be escalated no further and ends at the \" supervisor '' level. \nThis was a complete waste of time for an unsubstantiated issue and TransUnion was not helpful with the issue at all. There service has some serious flaws that need to be address. They took what should be a very standard and convenient process, and turned it into an absolute nightmare with no assistance to resolve. I have never formally engaged TransUnion for any past issue until XX/XX/year> so their ID theft explanation doesn't make sense and I'm not sure why they've actually decided to lock me out of their service indefinitely, but this is unfair treatment that needs to be provided if they are going to compile information and report about me.","date_sent_to_company":"2025-05-01T22:49:22.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"681XX","tags":null,"has_narrative":true,"complaint_id":"13272957","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-01T22:04:29.000Z","state":"NE","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":["Our support team is available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' Since the call with XXXX XXXX XXXX XXXX didn't end until after XXXX CT ( XXXX XXXX ) so I was going to have to call them after <em>work</em> on Thursday, XX/XX/XXXX. <em>Just</em> noting, so far this is a bad TransUnion experience that only gets worse from here. \n-Thursday, XX/XX/year> at XXXX XXXX  ( XXXX ET ), I call XXXX."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[13.338015,"13272957"]},{"_index":"complaint-public-v1","_id":"9262985","_score":13.063143,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hello, I went into XXXX XXXX dealership on XX/XX/XXXX with a pre-approval letter from my credit union and informed them that I would be purchasing a card via check from my credit union. They asked for my social security number anyways because they work with the dealership and that they could access the pre-approval. I asked why they would need my social if I did not want them to check my credit, since I already had a pre-approval and check to pay for the car. They said it was standard procedure to check identity and that they would not run my credit. I reiterated over XXXX times that I did not give them permission to check my credit because there was no need to. They assured me that the would not and that they could not by law without my permission. As I am waiting in the dealership lobby, I get credit monitoring alerts saying that i have multiple new hard inquires that were just added because the dealership ran my credit. I immediately stormed into the finance managers office asking what happened and reminded them that I did not give them permission to run my credit since I already have a pre-approval and check through my credit union. They immediately started trying to lie and make excuses about why they had to run my credit. I let them know that again for the sixth time that I did not give permission and that what they did was illegal. So here I am now trying to get this corrected. I have all of the documentation showing my pre-approval letter from my credit union before entering the dealership and also proof that I paid with check from the same credit union. The people at XXXX XXXX in XXXX are doing illegal business and this must be taken care of.","date_sent_to_company":"2024-06-14T17:54:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91730","tags":null,"has_narrative":true,"complaint_id":"9262985","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2024-06-14T17:54:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["They asked for my social <em>security</em> number anyways because they <em>work</em> with the dealership and that they could access the pre-approval. I asked why they would need my social if I did not want them to check my credit, since I already had a pre-approval and check to pay for the car. They <em>said</em> it was <em>standard</em> procedure to check identity and that they would not run my credit. I reiterated over XXXX times that I did not give them permission to check my credit because there was no need to."]},"sort":[13.063143,"9262985"]},{"_index":"complaint-public-v1","_id":"9262986","_score":13.050823,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hello, I went into XXXX XXXX dealership on XX/XX/XXXX with a pre-approval letter from my credit union and informed them that I would be purchasing a card via check from my credit union. They asked for my social security number anyways because they work with the dealership and that they could access the pre-approval. I asked why they would need my social if I did not want them to check my credit, since I already had a pre-approval and check to pay for the car. They said it was standard procedure to check identity and that they would not run my credit. I reiterated over XXXX times that I did not give them permission to check my credit because there was no need to. They assured me that the would not and that they could not by law without my permission. As I am waiting in the dealership lobby, I get credit monitoring alerts saying that i have multiple new hard inquires that were just added because the dealership ran my credit. I immediately stormed into the finance managers office asking what happened and reminded them that I did not give them permission to run my credit since I already have a pre-approval and check through my credit union. They immediately started trying to lie and make excuses about why they had to run my credit. I let them know that again for the sixth time that I did not give permission and that what they did was illegal. So here I am now trying to get this corrected. I have all of the documentation showing my pre-approval letter from my credit union before entering the dealership and also proof that I paid with check from the same credit union. The people at XXXX XXXX in XXXX are doing illegal business and this must be taken care of.","date_sent_to_company":"2024-06-14T17:54:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91730","tags":null,"has_narrative":true,"complaint_id":"9262986","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-06-14T17:54:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["They asked for my social <em>security</em> number anyways because they <em>work</em> with the dealership and that they could access the pre-approval. I asked why they would need my social if I did not want them to check my credit, since I already had a pre-approval and check to pay for the car. They <em>said</em> it was <em>standard</em> procedure to check identity and that they would not run my credit. I reiterated over XXXX times that I did not give them permission to check my credit because there was no need to."]},"sort":[13.050823,"9262986"]},{"_index":"complaint-public-v1","_id":"3435466","_score":12.388681,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I purchased a XXXX XXXX XXXX from Carmax in XXXX of XXXX. I have made payments, sometimes late but I have caught up when finances allowed, for the past almost 3 years. I recently was caught up with medical issues that caused my finances to be stretched as well as we had a loss in our family and have been going through very tough times. I have made payments, while not at the full past due balance, I have at least paid what the standard payments were. On XX/XX/XXXX I attempted to make a payment and Carmax refused to allow me to make the payment online or through the app so I was forced to call in. I called Carmax on XX/XX/XXXX and I was met with a very disrespectful and unempathetic employee who proceeded to tell me that the car was up for repossession. I received no notice of this and advised her of this. She states they mailed letters but that they came back returned. My wife is home and gets the mail everyday and never once was given a certified letter to sign for. We also have security cameras and the mail delivery person never brought a letter to our door. The employee didn't care and refused to so any empathy when I explained our financial issues. We are a one income family as my wife is unable to work. The employee continued to tell me that all they can do is take a payment of $ 270+ and give me 14 days to pay the rest or the car will be repossessed. I begged her to see if there was any other option as I do not even have {$200.00} to my name. She refused to offer any assistance and said that her word is final. This has caused me stress to the point that I am currently speaking with the suicide hotline because she has made me feel like I am a failure and that there is no hope. I struggle with XXXX and have had a past in XXXX   thoughts and this is the closest I have ever been to crossing the line thanks to Carmax Finance 's employee. All I am asking is for a little compassion and help. I will get caught up once I receive the funds to do so. I am just asking for some help. I want to pay for the car and am willing to do so but I just need a little help until I can get back on track. Carmax refuses to assist. Carmax does not care.","date_sent_to_company":"2019-11-12T08:45:57.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"17268","tags":null,"has_narrative":true,"complaint_id":"3435466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CarMax, Inc.","date_received":"2019-11-12T03:21:15.000Z","state":"PA","company_public_response":null,"sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["I am <em>just</em> asking for some help. I want to pay for the car and am willing to do so but I <em>just</em> need a little help until I can get back on track. Carmax refuses to assist. Carmax does not care."]},"sort":[12.388681,"3435466"]},{"_index":"complaint-public-v1","_id":"4232428","_score":12.362392,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My name is XXXX XXXX XXXX On XX/XX/XXXX my BANK OF AMERICA EDD card ( XXXX ) was charged a {$200.00} ATM withdrawal at XXXX IN XXXX XXXX CA. XXXX XXXX XXXX. The ATM had nothing alerting users of any problems. I inserted my card pressed English, No didn't need to look at balance, Main Menu, Withdraw Money, {$200.00}. It acted like it was communicating with BofA. Then the screen had a ERROR MESSAGE. I told the Clerk who's shift is XXXX he said \" Don't Worry Your Card Won't Be Charged \" I went about my day. At XXXX I checked my card and My card WAS INDEED CHARGED {$200.00}. I immediately got the station 's number and called. The clerk at that time was different and spoke little english. I told him everything and he just kept sayin The Clerk that was there when this happened will be back at XXXX tomorrow. I told him he needed to put a out of order sign. At XXXX I called them again. The clerk remembered me and said \" YA A YOU'VE GOT TO CALL YOUR BANK AND THEY WILL HANDLE IT \" I said WHAT? GIVE ME THE ATM OWNER 'S NUMBER. He gave me the number. I TOLD HIM AT THE VERY LEAST THEY NEED TO PUT A OUT OF ORDER SIGN HE SAID \" IT WORKS SOMETIMES \" XXXX? \nI called the number A automated voice said \" IF YOU HAD ISSUES AND YOUR CARD HOLDER IS BANK OF AMERICA CARD PRESS # 1. I pressed # 1 then heard ringing on the other end.\n\nTHEN A AUTOMATED VOICE SAID WELCOME TO THE CUSTOMER SERVICE OF BANK OF AMERICA. Almost immediately a Bank of American representative came on the line. Asking me all the standard questions which I answered. I told her everything and She transferred me to Bank of America 's Fraud Department. The next BofA employee I spoke with asked me again all my standard questions # 1 name as it appears on your card-XXXX XXXX XXXX. Birthdate-XX/XX/XXXX. Last XXXX numbers of my social security number- XXXX. Name of my pet- XXXX . Again I repeated my story. Which at first she said she couldn't see. \nI told her on line when I looked at my account it was XXXX something when you hit it The drop down information says XXXX XXXX XXXX XXXX XXXX. That is when she found it and said \" OK MS.XXXX  WE'LL HANDLE THIS FOR YOU NO PROBLEM. IN 5TO7 DAYS YOU WILL SEE THE MONEY BACK ON YOUR CARD ''. \nI ASKED AGAIN IF THERE WOULD BE ANY OTHER ISSUES BECAUSE ITS A EDD CARD BECAUSE OF THAT IT IS SUPPOSED TO BE UNLOADABLE BY ANYONE BUT THE EDD. BUT I HAVE HAD MONEY RETURNED TO THE CARD AFTER BEING CHARGED FOR SOMETHING I DIDNT RECEIVE OR WANT.\n\nTwo days later XX/XX/XXXX I went to the store before going in I went to the BofA website to check my balance before shopping. I WAS UNABLE TO ACCESS MY CARD INFORMATION AND GOT A ERROR MESSAGE INFORMING ME MY CARD HAS BEEN CLOSED AND CALL THE NUMBER ON THE BACK OF THE CARD. WHEN I CALLED THE NUMBER THEY SAID \" YOUR CARD HAS BEEN FROZEN YOU MUST CONTACT THE EDD. \" WHICH I DID BUT COULD NOT GET THROUGH I ALSO WENT TO MY UIONLINE ACCOUNT MY ACCOUNT LOOKED ABSOLUTELY NORMAL I HAD NOT RECEIVED ANY EMAILS TEXT MESSAGES OR MAIL IN MY EDD INBOX. I CALLED BOFA AGAIN AND WAS TOLD THE SAME STORY 2 DAYS LATER I GOT A TEXT MESSAGE TELLING ME TO GO TO UI ON LINE AND VERIFY MYSELF. I HAVE DONE THIS 3 TIMES ALREADY BUT SENT ALL THE REQUIRED DOCUMENTS THAT THEY ASKED FOR. I ALSO CONTACTED ASSEMBLYMEN XXXX XXXX 'S OFFICES TO ASK FOR HELP. ON THE XXXX I RECEIVED A TEXT INFORMING ME THAT I HAVE AGAIN BEEN VERIFIED BY THE EDD. I CALLED BANK OF AMERICA AND WAS TOLD THAT IF I HAVE CALLED EDD AND BEEN VERIFIED THEN THEY WOULD PUT A REQUEST IN ON MY ACCOUNT TO UN FREEZE IT. THAT WAS 2DAYS AGO. IM NOT GOING TO GET INTO HOW POORLY I WAS TREATED AT EVERY BANK OF AMERICA IN XXXX XXXX COUNTY DURING THIS XXXX WE CALL THE PANDEMIC. I AM UNEMPLOYED I AM WHO I SAY IAM AND NEED THE MONEY THAT IS ON THAT CARD. IF I COULD WORK I WOULD. IF I COULD JUST TELL THEM ALL TO FORGET IT I WOULD BUT I CANT.","date_sent_to_company":"2021-03-20T04:30:48.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"94509","tags":null,"has_narrative":true,"complaint_id":"4232428","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-03-20T00:51:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using the card to withdraw money from an ATM"},"highlight":{"complaint_what_happened":["IF I COULD <em>WORK</em> I WOULD. IF I COULD <em>JUST</em> TELL THEM ALL TO FORGET IT I WOULD BUT I CANT."]},"sort":[12.362392,"4232428"]},{"_index":"complaint-public-v1","_id":"7196065","_score":12.257123,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Subject : Complaint against Commerce Bank for XXXX XXXX Employees in Security and Unacceptable Verification Process Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Commerce Bank regarding an insulting and abusive verification process I recently encountered as an elderly customer. This incident has left me deeply frustrated and disrespected, and I believe it is important to bring this matter to your attention. \n\nI have been a loyal customer of Commerce Bank for over 2 years and have always appreciated the level of service provided by the bank. However, my recent experience while attempting to verify my identity has left me feeling extremely upset and degraded. \n\nOn XX/XX/23 ], I contacted Commerce Bank 's customer support team to address an issue with a malfunctioning chip on my card. The rude person in the security department named XXXX asked over four or five verification questions which I answered and she still wouldn't verify me and even asked if I was calling for the account holder because they couldn't speak English. To my surprise, instead of assisting me promptly, this XXXX said the account is restricted and is going to stay that way. Then, she said she couldn't verify me and that I needed to send a selfie holding my ID and then hung up on me. I had to call back and another person in security said XXXX made a note in my file that I had to send the selfie with ID. I said I'm not very tech-savy and will ask someone to help do this. While I understand the need for security measures, I believe that this particular requirement was not necessary but also highly abusive and inappropriate, especially when dealing with elderly customers like myself. \n\nMy grandson helped me with this and I sent it in the next day. I called in and said I sent in the selfie with ID so now what and I got this XXXX person again in the security department and she said she couldn't help me over the phone and they never received it and they couldn't help me over the phone any more and that I had to go into a branch. Well, there's no Commerce Bank branch in Texas so I demanded to speak to speak to a supervisor in Security and this XXXX hung up on me again. I called back and waited almost an hour got a supervisor in security named XXXX who said I will get a call the next on XX/XX/23 and that person will be able to verify me. The next day came and no one called. I called in and was able to get someone in security who was very nice and she verified me and said the card is active and able to be used. I asked why there was a restriction and she said the card was declined at two stores because of the malfunctioning chip. I said let me try to use it once more at a store and if it still doesn't work I will call back to request a new card. I tested to see if the card was working and made a purchase on XXXX so the card was active and unrestricted or so I thought. \n\nI logged into my account and saw that there was still a block on the account but I was still able to access other features in my account like retrieving my statements. I wanted to try to see if the chip on the card was working and tried it at a store and it failed. I came home and called customer service to request a new card and they said there's still a block on the account and I had to speak to security to clear it. Well, I got XXXX the supervisor again and he gave me the runaround again and said oh the call back could take 48 hours and to wait till Monday XX/XX/23. I said I would be filing a complaint and XXXX didn't seem to care at all. All this just over a malfunctioning chip. The reviews for this bank says this is a horrible bank which I am experiencing now. \n\nAs an XXXX individual, I have always valued my privacy and dignity. Being asked to provide a selfie in combination with my identification document is not only a breach of my privacy rights but also a disrespectful and condescending request. It implies a lack of trust in my ability to identify myself, despite being a longstanding customer of Commerce Bank. I have give this bank great business and paid off over nine thousand dollars on this account. This experience was so distressing I had to request to put a family member on my account as an authorized user. \n\nFurthermore, I find it particularly alarming that Commerce Bank, as a financial institution, would employ people like XXXX and XXXX and have such a verification method that potentially puts vulnerable elderly customers at risk. Requiring individuals of advanced age to participate in a process that may not be easily understood or executed can lead to confusion, frustration, and, in some cases, exploitation. It is disheartening to see a bank disregard the unique needs and concerns of elderly customers. How would XXXX like it if her credit card company demanded this? \n\nI urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Commerce Bank for their unacceptable verification process. I request that the following actions be considered : Review Commerce Bank 's current verification practices, particularly regarding elderly customers, and ensure they comply with industry standards and respect individual privacy and dignity. \n\nImpose appropriate penalties or sanctions on Commerce Bank for their failure to uphold customer rights and provide a safe and respectful banking environment. \nProvide guidance and recommendations to Commerce Bank on how to improve their verification process, specifically for elderly customers, ensuring it is both effective and sensitive to their needs. \n\nI trust that the Consumer Financial Protection Bureau will handle this matter with the utmost seriousness and urgency it deserves. I kindly request your prompt attention to this complaint and a timely resolution to rectify the distressing experience I have endured. I hope more people file complaints about Commerce Bank because they deserve the maximum fine for unethical business practices like this. \n\nThank you for your attention to this matter, and I look forward to a satisfactory resolution. \n\nYours sincerely, XXXX XXXX","date_sent_to_company":"2023-07-03T03:25:01.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"78748","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"7196065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"COMMERCE BANK","date_received":"2023-07-03T02:16:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I came home and called customer service to request a new card and they <em>said</em> there's still a block on the account and I had to speak to <em>security</em> to clear it. Well, I got XXXX the supervisor again and he gave me the runaround again and <em>said</em> oh the call back could take 48 hours and to wait till Monday XX/XX/23. I <em>said</em> I would be filing a complaint and XXXX didn't seem to care at all. All this <em>just</em> over a malfunctioning chip."]},"sort":[12.257123,"7196065"]},{"_index":"complaint-public-v1","_id":"6425259","_score":12.23728,"_source":{"product":"Mortgage","complaint_what_happened":"I was a XXXX XXXX XXXX  and was going through a XXXX  in XXXX when I went into forbearance. I struggled in a tough market and decided to take my safe test and get into mortgages to have more job security. I started a home modification last year with freedom mortgage along with submitting info to XXXX  in hopes of getting back on track. Ive been back and forth with freedom mortgage. XXXX set of docs they sent out had my ex husbands name and I said he was not on the deed and needed to be removed and sent in deed to show he was not on XXXX said I was still protected in loss mitigation. This has gone on for months! I kept following up monthly with a different banker giving me the same story that I was protected. I got a statement in XXXX to make a payment and I called to do so and the banker told me a different amount then what I had and gave me some story. Then said I didnt need to make the payment at all as I was still in mitigation. I went ahead and paid {$1500.00} as it was the holidays and figured I was still protected that I could use the extra money for XXXX. My docs came in and I signed and had had them notorized thinking my XXXX payment would be XX/XX/XXXX. I called to make my new payment and was told I was to start making those payments in XX/XX/XXXX and owed around XXXX on top of my new XXXX XXXX. I immediately asked to speak to a supervisor and was directed to XXXX XXXX who said he would be my point of contact since no one was giving me the correct info. A few days after I spoke with XXXX  I received intent to foreclose on my home and I reached out to XXXX  who said it was a standard letter not to worry. Ive reached out to XXXX  multiple times since trying to get updates regarding the XXXX and no response. I received new docs to sign this wk to sign with my XXXX XXXX  name again on the statement. Since I had sent XXXX additional emails to XXXX  with no response I sent another stating that I would go above him if I didnt get answers as to whats going on and still no response. I reached out to XXXX back in XXXX where my status as of XX/XX/XXXX still says under review and they responded to be patient. I just want to keep my home for my children and pets and no one seems to have it together or no whats going on at freedom. Clearly if I had XXXX at this point Id pay it! XXXX reaching out to you along with speaking to an attorney tomorrow who Ive obtained through XXXX XXXX  who I work for now in hopes to get this settled as its very unsettling and causing me nothing but stress!","date_sent_to_company":"2023-01-12T02:11:50.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"08080","tags":null,"has_narrative":true,"complaint_id":"6425259","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2023-01-12T01:42:14.000Z","state":"NJ","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":["I <em>just</em> want to keep my home for my children and pets and no one seems to have it together or no whats going on at freedom. Clearly if I had XXXX at this point Id pay it! XXXX reaching out to you along with speaking to an attorney tomorrow who Ive obtained through XXXX XXXX  who I <em>work</em> for now in hopes to get this settled as its very unsettling and causing me nothing but stress!"]},"sort":[12.23728,"6425259"]},{"_index":"complaint-public-v1","_id":"7495943","_score":11.646228,"_source":{"product":"Prepaid card","complaint_what_happened":"A Visa Gift Card was purchased from XXXX on XX/XX/XXXX for {$270.00} + {$6.00} for the activation fee. An activation confirmation was given with the purchase to proof activation. The provider is XXXX XXXX. After some online research, there is a well-known issues with some of these cards going back XXXX and as recent as XXXX. People issues that customer service doesn't help to resolve but who may give you false information to get you off the phone. They will even hang up on you. \n\nThe card was registered for the recipient. Who tried to use the card online and it was immediately flagged for possible fraud. The company put the transaction under review. A refund was requested when it seem like the transaction obviously had some issues on their end. \n\nThe money was refunded to the card. I took the card back from the recipient due to them having issues and I was the one who purchased it. \n\nBasically, the card would not work on any website for online purchases. I attempted to attach the card to XXXX like you can with most other gift cards. \n\nAfter no success, I called customer service who stated that they saw the transactions including how the card couldn't be attached to XXXX. But they would put me on hold if I wanted them to call XXXX to authorize the car attachment. From there, it was stated that it would work within XXXX minutes. I did not work. \n\nI called the XXXX number which is XXXX again to try to check the balance or possible issue. I would like to note, after each call things would get worse not better no matter what the reps would say who were also quite dismissive. With each call I was able to verify all the information on the card including the numbers on the barcode on the back to make sure it wasn't someone electronically trying to hack it. \n\nI would also like to note, the website associated with the card is prepaidbalance.com via XXXXXXXX XXXX. It barely works correctly no matter what browser you use. However, when you call automated voice refers you there for certain information. \n\nI ended up trying to see if the card would work on XXXX. Because at this point, I wanted to use it online and was very afraid to take this card inside the store even with the pin I registered due to not trusting customer service and also not knowing if this card was already compromised prior to purchasing. As XXXXXXXX XXXX has a documented set of complaints about their cards ( that are sold at XXXX and XXXX ) being randomly compromised. And people have stated how hard it is to get it resolved. \n\nThe card attached to XXXX but my XXXX account was immediately suspended. I uploaded a receipt and an explanation and it was restored quickly. \n\nI called the customer service line again at XXXX. They said that the 3-digit security code was put in wrong too many times. Which I believe they completely made up. I know I personally did not put in the wrong code over and over as it is very easy to remember. \n\nSo they said, the card would be blocked for 24 hours because of that. However, I could still take the card in the store and use it there or anywhere that didn't require the 3-digit security code on the back. I actually wasn't at peace with this explanation. But there is not way I could disprove or prove it to be false other to go to the store and try. \n\nPrior to this call, I had to made a purchase overnight and was notified via email that there was an issue with the card ( again ) so those purchases couldn't go through so they used my backup payment instead. Well, the company obviously blocked the card or the 3-digit code making it useless. \n\nSo I called customer service again on XXXX, and I received a very aggressive and dismissive customer service rep. This is after the phone ringing and someone just hanging up more than once before you could even verify information. \n\nThe call being hung up isn't good because by this time, I had to speak with someone as their website at prepaidgiftcardbalance doesn't work all the time or it works sporadically. So to not be able to get through made this feel like a scam on their par. \n\nI would also like to state with each call, something would happen after like the card wouldn't do like they said it was supposed to. And the automated system eventually claimed it couldn't recognize the gift card number. \n\nWhen I talked to the dismissive and aggressive rep, I admittedly almost lost it because by this time I have been trying to resolve where my money went on and off for hours, days really. \n\nI called and said, I am calling because I was told that the card would work in the store with a pin. The woman on the phone said let me check. And she came back and said, I don't know why she told you that. The whole card is blocked for 24 hours.\n\nNow, I am livid. if it's blocked for 24 hours only, this made me wonder if this card was already compromised since the issues were from the onslaught.\n\nI said so the other women lied And the rep proudly said, yes. But it should work in 24 hours. I think that was something said to get me off the phone since there are issues with the card that I can't see. \n\nI do believe XXXXXXXX XXXX is well aware of issues but maybe it's not wide-spread enough for them to be held accountable. I am basing this off other experiences. I have purchased these cards a couple times before. But it's hard to tell they aren't from XXXX. Pretty packaging but they are one of the worse gift cards I've ever purchased. \n\nI hope the issue is looked into or at least there is a record on my part in the form of a complaint. \n\nThis card is unusable. And it also has a clear film placed on the back of the card where you would scan it instore which I am not sure is normal or not as far as it possibly being tampered or compromised at a certain point. \n\nThe complete dismissiveness and runaround that was given is something that may not be able to capture even though this is lengthy. This company comes off like it's very shady. It's understandable that there are federal laws that have to be followed if fraud or identity verification issues are present. \n\nBut to call into a company ( XXXX ) and be lied to each time you interact with it is definitely something I hope they are eventually held accountable for. I don't think the reps care because they are likely in another country and there is also obviously isn't a great standard in how issues or identified and resolved or at least attempted to be. \n\nI know they couldn't do anything but I did go back to the store I purchased the card from to at least see if one of the reps had other issues with people coming in with a similar story. So I had to take time out of by day to do that as well as feeling quite silly even having to explain it. I also sent an email to the store 's contact chain for issues like that. I don't expect any resolution because why would they continue to partner with a XXXX when there are several issues already out there that seem to not be addressed including the customer service issues, and the poor working website that is hit and miss. And that may possibly block your IP or card.","date_sent_to_company":"2023-09-05T04:05:18.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"47130","tags":"Servicemember","has_narrative":true,"complaint_id":"7495943","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-09-05T03:08:03.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["I called and <em>said</em>, I am calling because I was told that the card would <em>work</em> in the store with a pin. The woman on the phone <em>said</em> let me check. And she came back and <em>said</em>, I don't know why she told you that. The whole card is blocked for 24 hours.\n\nNow, I am livid. if it's blocked for 24 hours only, this made me wonder if this card was already compromised since the issues were from the onslaught.\n\nI <em>said</em> so the other women lied And the rep proudly <em>said</em>, yes. But it should <em>work</em> in 24 hours."]},"sort":[11.646228,"7495943"]},{"_index":"complaint-public-v1","_id":"5559724","_score":11.626697,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have had issues with my credit report with Equifax since their data breach occurred in XXXX. Every few months, my credit score drops over 150 points because they continue to report that all of my credit accounts are closed. Today, I reviewed my credit score, and it dropped from nearly an XXXX to XXXX. I have had credit since I was XXXX XXXX XXXX and have over 27 years of credit history. I haven't had one late payment on my credit report in over 8 years. I have no history of any delinquencies or bankruptcies. Why would I close every account on my credit report and take my total available credit from over XXXX to XXXX? I have never had any problems with XXXX and XXXX reporting that I have available credit and debt. \n\nEach time that I call Equifax, I am told to send in my identity documents ( social security card and drivers license ) to fix the issue. I have sent my identity documents ( ID & Social security card ) in to them several times, and they have record of it. The representative acknowledged this on the phone today. It fixes the issue temporarily. Then several months later, my score drops again for the same reason. Today, XX/XX/XXXX, I called Equifax again for the same issue and was given an excuse about a bank reporting error. The representative informed me on their side, it does not look like all my accounts are closed. However, to financial institutions, who are pulling my credit, it appears that they are closed. When I log into my Equifax account, it says the reason that my score dropped is because I have no open accounts. So, I don't know if I what he is saying is correct. When I questioned the representative, he could not tell me which bank or how to fix it. I have numerous accounts from student loans, to car loans, to credit cards, etc. All he could say is to send in a copy of my social security card and drivers license in the mail with a cover letter to explain the issue once again and request that my information be fixed. \n\n\n\nThat is right! He had the audacity to tell me that I had to send my personal identifiable information in the mail. I questioned him about requiring me to put a copy of my social security card in the mail, when I have already been a victim of their data breach and already experienced problems because of them. I asked him again before hanging up if there was a way to electronically send them these documents, he said no, I needed to a copy of the license and social security card in the mail. They do not know how to fix the problem, and they do not care if my data is breached further is what I got from all of this. He acknowledged that I may have to do this indefinitely until the error is magically fixed. Another issue with this company is that they reported XXXX hard inquiries on my credit report while I searching for a home loan within a 30 day period between XXXX and XXXX of XXXX instead of counting it as one hard inquiry. \n\nCredit companies should not have the ability to do what they are doing and just tell a customer to deal with it. I am upset because I am in the process of purchasing a home, and this will negatively affect my interest rate or prevent me from obtaining the amount of loan I requested. At this point, this major credit error could affect me getting the loan altogether. The other major issue is that I work for a federal agency and have to undergo a financial security check for a promotion I obtained. So, now Equifax is playing with my job, and my ability to get certain federal positions. I have filed a claim some time ago due to the Equifax breach. Tell me if I have heard anything? No. At this point, I just want the problem fixed and am tired of the mental and emotional strain created by their errors. Everyone makes mistakes, but this is just negligence. I have been dealing with their reporting errors on and off for XXXX, and this is the first time that I have filed a report. I feel I have nowhere else to turn other than obtaining an attorney and fighting this civilly. If they are the gatekeeper to credit and identity, why are they not held to a higher standard? I do not believe that Equifax even knows what the issue is. How can one bank reporting error be responsible for it showing that all of my credit accounts are closed? I appreciate anything you can do to help me. If consumers are required to pay accounts or time for accurate score reporting, why is Equifax not required by law to do what is in their power to fix error reporting when they have the ability to impact someone's quality of life?","date_sent_to_company":"2022-05-13T14:02:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32258","tags":null,"has_narrative":true,"complaint_id":"5559724","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-05-13T12:52:14.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The other major issue is that I <em>work</em> for a federal agency and have to undergo a financial <em>security</em> check for a promotion I obtained. So, now Equifax is playing with my job, and my ability to get certain federal positions. I have filed a claim some time ago due to the Equifax breach. Tell me if I have heard anything? No. At this point, I <em>just</em> want the problem fixed and am tired of the mental and emotional strain created by their errors. Everyone makes mistakes, but this is <em>just</em> negligence."]},"sort":[11.626697,"5559724"]},{"_index":"complaint-public-v1","_id":"7068614","_score":11.378043,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"To whom it might concern, The incident happened at XXXX XXXX, XX/XX/2023, at the XXXX Banana Republic ( owned by XXXX XXXX ) store. I was checking out, and the manager, whose name was XXXX, asked me if I wanted to join the membership so I could get a discount on my order. I said yes because I thought the discount was good for joining the membership. But I did not know that he was actually applying for a credit card on my behalf. He used the word \" store card '' and \" membership '' interchangeably and no ordinary reasonable person could have thought that it was actually a credit card I was applying for. More importantly, he never even mentioned the word \" credit card. '' I answered some questions, including my current address, my phone number, my annual income, and my social security number. The requirement of annual income and social security number were suspicious to me but it was never mentioned that I was actually applying for a credit card, neither orally by the manager nor in writing on the screen where I answered all the questions. \n\nWhen I was ready to swipe my own card to make the purchase, I was told that the items were already paid for. I got really confused and it was then did I realize that the manager applied for a credit on my behalf, and the items were paid by that new credit card. I immediately made the objection to him that I never agreed, neither orally nor in writing, to apply for a credit card. And he never explained to me that I was actually applying for a credit card. He just told me that he was sorry and that I could close the card on Monday. I made it clear to him that I never agreed to apply for a credit card, so there was never a contract for this credit card because of the lack of my consent. But the manager clearly does not have any clue on how a contract works, I see no point in talking to him further on this, so I told him that I did not want the items anymore, and he returned the items. \n\nI feel like I was defrauded by this manager and the Banana Republic to apply for a Banana Republic credit card without my consent, and this application history is going to negatively affect my credit report and my credit score in the future. \n\nFor the record, to determine if there was a contract made for the credit card, the legal standard applicable here is whether an objective reasonable person would have thought that it was a credit card, not a membership, that he is applying for under similar circumstances. The answer is clearly NO. The manager did not, orally or in writing let me know that I was applying for a credit card, and I did not orally or in writing consent to the application of a credit card. So no objective reasonable person would have thought that he was applying for a credit card, therefore there is never a contract. \n\nI know about the legal standard because I am a XXXX XXXX who goes to an XXXX XXXX XXXX XXXX, and I have an even better understanding of how a contract works and how credit card applications work because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And if I could not even reasonably think that I was going into a contract for a credit card application, then with all due respect, there is no way that an ordinary reasonable person could have thought that it is actually a credit card contract they are going into. My point and conclusion here is, if this company and specifically this store is not getting punished for this, they might even defraud more people into getting credit cards they do not even consent to.","date_sent_to_company":"2023-06-04T00:57:57.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"122XX","tags":null,"has_narrative":true,"complaint_id":"7068614","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2023-06-04T00:09:26.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["I know about the legal <em>standard</em> because I am a XXXX XXXX who goes to an XXXX XXXX XXXX XXXX, and I have an even better understanding of how a contract works and how credit card applications <em>work</em> because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX."]},"sort":[11.378043,"7068614"]},{"_index":"complaint-public-v1","_id":"3366328","_score":10.734604,"_source":{"product":"Student loan","complaint_what_happened":"I have been harassed regarding several private student loans that my son XXXX XXXX borrowed from Sallie Mae now Navient Student loan in XX/XX/XXXX. My son attended the University of XXXX for XXXX XXXX. He ask me to sign as a cosigner for one loan of XXXX. I had no knowledge that my son cosigned my name by computer for 3 private Sallie Mae loans in XX/XX/XXXX. In XX/XX/XXXX I filed for bankruptcy Chapter XXXX along with my spouse. During the bankruptcy 5 year period Navient never contacted me regarding any loan obligations that they purchased from Sallie Mae Private student loans. My bankruptcy Chapter XXXX plan ended in XX/XX/XXXX. I am currently XXXX XXXX and have not worked in 7 years, .I had 2 XXXX XXXX and 3 XXXX XXXX, 2 XXXX XXXX and 2 XXXX XXXX. The health problems that I have left me unemployed and dependent on my spouse for XXXX payments and unpaid medical bills. Navient has written, emailed and called my family members and neighbors regarding my son 's loans. I agree with Navient that the loans need to be repaid. I explained my situation to Social Security and Navient. In XX/XX/XXXX Navient agreed to send me a package of papers for the 5 doctors and specialist that currently see me for my total XXXX. I was told to send the forms to the doctors of record and they ( Navient ) would place my name for cancellation of these loans. Navient was sent all documentation from the XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. Navient refuses to remove my name from all these private student loans depite the paper work that the sent to me stating that they would honor the discharge from these loans if I would have the doctors to provide the information that qualifies me to be XXXX XXXX I have sent the letters to my son to remove my name as a cosigner on his loans. Navient tells me I can not request to be remove from his loans. They said only he can ask for my name to be remove. Yet Navient stated a cosigner name is only required for 2 years on their loans. Navient tells me by letter after they receive my paper work requesting discharge from the one loan I sign not three loans that my son XXXX XXXX signed. They stated we honor disbilities and will work with you at first, then they send a letter stating since your not the borrower we can not honor your request for loan discharge due to you being XXXX   XXXX. Navient refused to honor federal standards for private student loans. My credit is ruin by Navient charging 100 % interest he borrowed XXXX in private student loans for XXXX school. Now Navient reactivated the loans without my request to remain as a charge off on my credit report. All correspondence that is mail to me never includes my sons name XXXX XXXX. It only includes my nmae stating it is a joint responsibility account. If it is supposed to be equal responsibility as a joint account then why is Navient not honoring my request for permanent XXXX if they claim I have the same responsibility as the borrower. I wrote a complaint regarding this matter before in XX/XX/XXXX. Still today Navient is harassing me and refuse to accept my inability to pay the students loans that were sign in my name without my signature. Navient continues to say they have an electronic signature when I never signed but one loan for my son. It is XX/XX/XXXX and Navient is still harassing me and other collection agency robocall my home daily. I do have the paper work to show what Navient wrote me in XX/XX/XXXX stating they would work with me to discharge loans based on me being XXXX XXXX..My son is not disable and should pay Navient for their loans that he took out for XXXX school at The University of XXXX . I am just confused and frustrated that Navient lie to me and told me they would honor the discharge of the loans for as I am concerned. I did my part in sending them the documentation from Social Security and my doctors and Specialist that are in charge of my multiple XXXX. Navient sent the package for me to provide the doctors with to fill out regarding my conditions. Two months later Navient send a letter with no signature stating we honor disabilties but not for cosigners. This whole experience has taken terrible emotional stressors on me. I am unable to pay Navient for a grown son XXXX years old now and have not spoke with me in 7 years. I sent letter requesting him my son to request my name to be removed from any fradulent accounts. He returns the mail without opening it. I never cashed any checks or deposited any of Navient ( Sallie Maes loans ) in my account. If any name was sign it was forged by my son not me.","date_sent_to_company":"2019-09-06T05:23:17.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"77083","tags":"Servicemember","has_narrative":true,"complaint_id":"3366328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-09-06T03:54:35.000Z","state":"TX","company_public_response":null,"sub_issue":"Can't temporarily delay making payments"},"highlight":{"complaint_what_happened":["I do have the paper <em>work</em> to show what Navient wrote me in XX/XX/XXXX stating they would <em>work</em> with me to discharge loans based on me being XXXX XXXX..My son is not disable and should pay Navient for their loans that he took out for XXXX school at The University of XXXX . I am <em>just</em> confused and frustrated that Navient lie to me and told me they would honor the discharge of the loans for as I am concerned."]},"sort":[10.734604,"3366328"]},{"_index":"complaint-public-v1","_id":"3934137","_score":10.723602,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I took out a loan in XX/XX/XXXX through Upgrade, an online lender for a total of {$1500.00}, primarily to up my credit score as I didn't actually need the money at the moment. As of XX/XX/XXXX, I have an outstanding balance of {$550.00}. When our company had run out of money in XX/XX/XXXX, and with it, I lost my excellent health coverage, I was XXXX  in the XXXX ( on XXXX XXXX ) for a number of days while they fought to save my life as I was XXXX to death XXXX. They discovered I had severe XXXX XXXX XXXX, and XXXX, which was attacking my XXXX and required XXXX to stop the XXXX XXXX. I had lost XXXX by the first time I was discharged after two weeks and COVID-19 was hitting the US in large numbers. I was then XXXX  two  additional times in XXXX and XXXX. Since XXXX, I have been going back and forth with both Social Security and EDD ( I was an XXXX XXXX in the XXXX XXXX for the previous 18-months and therefore ineligible for standard unemployment assistance, but was told I would qualify for the Pandemic Unemployment Assitance. For the time being, I can not work anywhere near where I may be exposed to COVID due to my XXXX XXXX being heavily compromised from the massive XXXXXXXX  I have to take to control XXXX 's. I have been told flat out, if I was to contract COVID, I would not survive ). The backlog produced by COVID from both the Social Security and EDD offices should be taken into consideration by ALL creditors as we are living in extreme times. I have more tests this week with XXXX XXXX XXXX XXXX to try to get a handle on my XXXX 's as I am completely incapable of working at the moment due to unimaginable pain and XXXX XXXX. As I have had no income since XX/XX/XXXX, I have had to rely on cash advances from credit cards - and have been paying a reduced minimum to Upgrade until this month. I am down to XXXX in my checking account. My other credit card companies, including XXXX and XXXX XXXX, are bending over backward to help me by extending forbearances while my financial situation works itself out. However, I have contacted Upgrade numerous times, explaining my plight. They absolutely refuse to work with me on any forbearance, only a reduction in monthly payments which are impossible to make at this moment. I have lost my apartment because I could no longer afford the rent and have had to move in with a friend. I also lost my health and am now at the mercy of Medi-Cal for an endless parade of specialist appointments resulting from my XXXX XXXX ( I'm being admitted to XXXX XXXX again tomorrow morning for more tests ) and I have to rely on Cal-Fresh to eat. In addition, I have to borrow money from friends just to make my car payments so I can get to the many doctor 's appointments I have each week. I have lost everything. Each of my creditors is being incredibly patient and understanding because I have always paid early on any balance and often more than the minimum. My credit score said as much. But not Upgrade. Any deferment, they won't even discuss. Perhaps a class action lawsuit will get their attention. Taking advantage of those directly affected by a pandemic -- as well as someone with a newly discovered medical issue that has nothing to do with personal fault, is the height of corporate greed and displays a total lack of compassion or humanity, especially when the loan is almost paid off.","date_sent_to_company":"2020-11-10T16:57:04.000Z","issue":"Struggling to pay your loan","sub_product":"Installment loan","zip_code":"915XX","tags":null,"has_narrative":true,"complaint_id":"3934137","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2020-11-03T19:34:41.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Since XXXX, I have been going back and forth with both Social <em>Security</em> and EDD ( I was an XXXX XXXX in the XXXX XXXX for the previous 18-months and therefore ineligible for <em>standard</em> unemployment assistance, but was told I would qualify for the Pandemic Unemployment Assitance. For the time being, I can not <em>work</em> anywhere near where I may be exposed to COVID due to my XXXX XXXX being heavily compromised from the massive XXXXXXXX  I have to take to control XXXX 's."]},"sort":[10.723602,"3934137"]},{"_index":"complaint-public-v1","_id":"16244332","_score":10.705957,"_source":{"product":"Credit card","complaint_what_happened":"b'On XXXX XXXX  I received a telephone call from a person who said he was representing Bank of America and was calling because of attempted fraudulent use of my credit card and debit card in XXXX  Florida. This initial call was on XXXX. \\n\\nPhoto of XXXX  screen shot attached\\n \\nHe told me his name was XXXX XXXX, and then he was a Manager with the Bank of America Fraud Department.  He sent me a text in BofA format with the six-digit code to verify to him who I was. The text was exactly what Bank of America sent to me in the past as a part of their two-step authentication process.\\n\\nHe asked if I had authorized anybody to use my card, if I had been to XXXX  to use my card or if I had any explanation as to why I would have charges in XXXX.\\n\\nHe knew who I was where I lived, the last four digits of my Social Security number, my bank account, and my credit card information.\\n\\nI believed him to be an authentic representative of the Bank of America\\n\\nWe discussed closing my checking account and my credit card account..  Im not sure whether he mentioned it or I requested it. He expressed concern that all my banking information had been compromised.\\nHe gave me a case number and a phone number to call if I had any questions. \\nCase # XXXXXXXX XXXX XXXXHe terminated the initial conversation telling me that he would work on closing my account at my request because of alleged scams against my card in XXXX  Florida.  And, that he would call me back when he had made progress closing my account.\\n\\nHe later called me back on XXXX. See attached screen shot of my XXXX\\n\\n As he was processing the freezing/closing of my bank, checking account and my credit card, he told me the Bank would need to check the chips on my Debit and credit card to ensure that they had not been corrupted.   He asked that I take my credit card and my debit card and cut it in half and put it in an envelope sealed envelope with my name on the outside, He would send a driver to pick it up. I said, well, I will just run it up to the to the branch thats near me. Its only two or 3 miles away and he said no its not necessary.  He said, Youre at home. Its and its late. The banks closed now because it was about XXXX XXXX, maybe XXXX.   Ill just send an XXXX, and you can hand it over and tell the driver: for XXXX.  The driver will bring it back to me and we will run test on it to make sure your chip has not been corrupted.\\n\\n The driver the driver arrived. I passed the driver a sealed envelope with my cards believing that I was surrendering the envelope to Bank of America with an authorized representative of Bank of America.\\n\\nThe driver was a large XXXX  woman in a (possibly) silver XXXX  or XXXX XXXX XXXX XXXX.\\n\\nOn AXXXX XXXX XXXXXXXX, I went into my local Bank Of America branch on XXXX XXXX in XXXX XXXX and ask that they look into my account because I had received a phone call the day before and I was suspicious of what it was all about, and I just wanted to confirm whether there was suspicious activity within my account.\\nThere was a charge of $XXXX at XXXX XXXX in XXXX  GA against my Bank of America Visa Credit Card ending in XXXX. \\n\\nWhile at the bank I also discovered that my Bank of America Debit Card had been used 3 times on XXXX XXXX  at XXXXXXXX XXXX, XXXX   $XXXX, XXXX    $XXXX XXXX          $XXXXAnd on the morning of XXXX XXXX at \\nUSPS   $XXXXXXXXDebit card for checking bank account number ending XXXX. \\n\\n  On the early afternoon  of XXXX XXXX, we then opened a claim with Bank of America against my debit card and my credit card and closed my checking account and my credit card account. \\nThe XXXX  Police Department has an active investigation on going regarding this incident.  Case Number XXXX.\\n\\nTo date I have received 5 separate identical form letters from Bank of America each stating the Bank is unable to approve my claim.  I have specifically requested documentation from the Bank supporting their decision.  To date nothing has been provided other than their standard form letter.'","date_sent_to_company":"2025-09-29T16:46:31.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30075","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"16244332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-09-29T16:37:33.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["To date nothing has been provided other than their <em>standard</em> form letter.'"]},"sort":[10.705957,"16244332"]},{"_index":"complaint-public-v1","_id":"7269673","_score":10.505688,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Formal Complaint for Mercedes Benz of XXXX including General Manager XXXX XXXX, Sales Associate XXXX XXXX and Company Accountant Manager XXXX XXXX for running my credit without my permission ; performing a duplicate application without my knowledge despite presenting my approval letter from XXXX XXXX XXXX  ; forging my income to produce a denial letter so they can use their in-house financing ; not disclosing the change in financing ; and trespassing on my property. \nBelow is the account of event that took place Tuesday XX/XX/XXXX - Reached out to Mercedes Benz XXXX XXXX about a XXXX XXXX vehicle and got a confirmation that the vehicle is available - Applied to XXXX XXXX XXXX and XXXX XXXX for auto loan. \n- Get approved by XXXX XXXX XXXXXXXX and XXXX XXXX, called XXXX XXXX XXXXXXXX for confirmation about Mercedes Benz XXXX XXXX being an authorized dealer, got the green light to proceed with car purchase. \n- Arrived at Mercedes Benz XXXX XXXX, the sales associate XXXX XXXX handled all transaction before transferring me to the account manager - XXXX XXXX- to sign the paperwork. \n- I gave XXXX XXXX my approval letter from XXXX XXXX XXXXXXXX and my current car insurance. He proceeded to ask me other questions to establish identity and register me with Mercedes XXXX app questions included my social security number, work address, work number, etc he said it was just standard procedure. \n- After answering all questions, XXXX XXXX went into the account department with my XXXX XXXX XXXX auto loan approval letter, after some minutes, the account manager XXXX XXXX came out and notified me that he was ready for me to finalize all paperwork. \n- XXXX XXXX asked me to sign the papers, he never mentioned any financing swap or loan decline. I got to the last page and noticed that the interest rate was higher than what XXXX XXXX XXXX quoted, I asked XXXX about it and he said Welcome to XXXX that the rate just went up. I got out of his office and back to meet with the sales associate XXXX XXXX, I asked XXXX what financing was used, XXXX assured me it was the XXXX XXXXXXXX XXXX auto loan I presented. I asked that he confirms with XXXX, XXXX goes into XXXX office to confirm what financing was used, comes out to tell me it was Mercedes Benz financing. I asked why they did not use my XXXX XXXX XXXX loan I came with, XXXX said XXXX notified him that the auto loan I presented got denied. \n- It was past XXXX when all these events occurred, I left the dealership as they were still detailing the car. \n- I called XXXX XXXX XXXXXXXX when I got home to figure out why I got denied as I have called them initially before proceeding to reach out to Mercedes Benz about the vehicle purchase, XXXX XXXXXXXX XXXX said I was not denied any auto loan, but rather, Mercedes Benz applied for another auto loan on my behalf which was a duplicate application and the annual income was forged too low to even qualify for any auto loan. \n\n- Mercedes Benz was already closed for the day when I found about this information and discrepancy from XXXX XXXX XXXX so I waited to call them as soon as they open the next day. \n\n\nWednesday XX/XX/XXXXXXXX XXXX XXXX XXXX as soon as Mercedes Benz opened, I called to notify them that I am no longer interested in the vehicle or doing any business with them. \n- I was in work meetings all day, so my husband XXXX XXXX on my behalf, also contacted XXXX XXXX that we will not be needed the vehicle anymore - XXXX told my husband that I would need to come in person to cancel the order and sign a release. \n\n\nThursday XX/XX/XXXX - Around XXXX after work, I went to Mercedes Benz to sign the release, I met with XXXX XXXX that kept on telling me that I must take the car. XXXX mentioned that the General Manager and their legal team got involved that I must take the car. I told XXXX about the discrepancy with XXXX XXXX XXXX financing, XXXX denied any knowledge about the forged income or any discrepancy so I proceeded to call XXXX XXXX XXXX and put them on speakers. \nXXXX XXXX XXXX XXXX proceeded to tell XXXX that they should never have ran my credit or submitted another application for me, everything has already been done and confirmed from mine and the banks end, the only thing Mercedes Benz needed to do was to follow the instructions at the approval letter to complete purchase. \n- XXXX kept on saying it doesnt matter anymore and I needed to take the car anyway. I kept saying that I do not need the car as I am no longer interested in doing business with them and I left. \n\n\nFriday XX/XX/XXXX - Got a text from XXXX in the morning asking if I still need the car, I said again that I do not need the car and is not interested in it - In the evening, a package delivery associate while delivering a package noticed some car keys on the floor and told me I forgot my keys, I went out to the front of the house to see the keys and noticed a Mercedes Benz XXXX parked in my driveway. Someone from Mercedes Benz had trespassed my property, driven the vehicle into my driveway and threw the keys on the floor. \n- I called Mercedes Benz to speak with their customer care as there was no response from XXXX XXXX after calling and texting. \n- I got a call from the Accountant XXXX, I kept emphasizing that I do not want the car but he kept on saying that I would need to keep the car regardless whether I like it or not. \n\n\nSaturday XX/XX/XXXX - Got a call from the General Manager XXXX XXXX, I explained everything to him, he said, as with everybody else, that there is nothing to be done except I sell the car back to Mercedes Benz which will result in a negative balance of {$5300.00} that I would need to pay to get this resolved. \n\nMonday XX/XX/XXXX- I sent an email to General Manager XXXX XXXX declining he resolution presented as I am not paying {$5300.00} for the contemptuous service and fraudulent activities that Mercedes Benz XXXX XXXX orchestrated throughout the entire transaction.","date_sent_to_company":"2023-07-18T09:47:01.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"337XX","tags":null,"has_narrative":true,"complaint_id":"7269673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mercedes Benz Financial Services","date_received":"2023-07-18T09:39:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with signing the paperwork"},"highlight":{"complaint_what_happened":["He proceeded to ask me other questions to establish identity and register me with Mercedes XXXX app questions included my social <em>security</em> number, <em>work</em> address, <em>work</em> number, etc he <em>said</em> it was <em>just</em> <em>standard</em> procedure. \n- After answering all questions, XXXX XXXX went into the account department with my XXXX XXXX XXXX auto loan approval letter, after some minutes, the account manager XXXX XXXX came out and notified me that he was ready for me to finalize all paperwork."]},"sort":[10.505688,"7269673"]},{"_index":"complaint-public-v1","_id":"4052869","_score":10.481518,"_source":{"product":"Mortgage","complaint_what_happened":"Normally when a person is accused of wrong doing, they not only said they are innocent, they will also be willing to provide evidence that supports their innocence. Sometimes a person will dismiss an accusation of wrong doing because they know they are guilty and they do not care. Sometimes a person will dismiss an accusation of wrong doing because they actually are innocent. If a man with no arms is accused of armed robbery, he may not offer much attention to the accusation. \n\nWells Fargo has decided to insist they have done nothing wrong in my situation when it has a history of nothing but wrong doing. When I raised a question on the interest rates I was offered me, Wells Fargo says they did nothing wrong. In fact, your latest response states : We're committed to equal and fair treatment of all our customers. We originate loans and service our accounts in accordance with all account documents and standard servicing practices. We also follow all applicable fair lending laws and regulations. These prohibit discrimination on many prohibited bases ; including race, color, religion, national origin, gender or gender identity, marital status, familial status, sexual orientation, age, disability, or receipt of public assistance income. We've reviewed your concern and, respectfully, found no indication of unlawful discrimination. The inquiry has made several allegations about our servicing of this account. We follow all applicable Federal and State regulations when servicing accounts and respectfully deny the allegations. \n\nIf Wells Fargo was never accused of discrimination or wrong doing, the response above could perhaps stand on its own legs. Unfortunately, Wells Fargo has a long history of discrimination and wrong doing so just saying you did nothing wrong holds no water! You never provide data to support your claims but have repeated them over and over again. In fact, Wells Fargo has done this with many of the claims I have submitted. You have even to ask me to provide information to prove my claims when you hold all the evidence. \n\nJust keep repeating the same thing over and over again and just hope I will believe it. That way of thinking is main cause of what happened in Washington D.C. today. Had it not been for the pandemic, I would have been at work today within walking distance from the terror attack on the U.S. Capitol Building. I watched on the news as police cars streamed past the building I would have been in. Saying the same thing over and over again does not make it true! It can also be DANGEROUS. \n\nWhen I pointed to statements by XXXX XXXX and provided a copy of his email, Wells Fargo continuously ignored even making mention of it. Some so-called manager even asked what email when I mentioned it. Wells Fargo finally decided to mention XXXX name and suggest what he said was incorrect. You can continue to avoid seriously addressing my concerns and I will continue to file complaints. I will continue to file the same thing over and over again and you can continue to lie again. \n\nYou also have not offered any resolutions other than repeating that you are not a crook. Most reputable companies will acknowledge the poor treatment of their customers, offer a real resolution and refrain from the behavior that caused the the incident to happen. You continue to talk about the {$200.00} you send me as compensation but you fail to acknowledge that things continued to get worse as time went on after you sent the check. You continued to lie, steal and cheat your way through the last few months without a XXXX care in the world. \n\nI now leave you with a collection of your greatest hits : WF was SUED : XXXX, XXXX ( XXXX ) - Wells Fargo & Co agreed to pay {$170.00} XXXX to resolve allegations it charged XXXX-Americans and XXXX higher rates and fees on mortgages even when they qualified for better deals during the housing boom, the U.S. Justice Department said on Thursday. \n\nWells Fargo Bank has agreed to pay {$7.00} XXXX in back wages and interest to resolve allegations of hiring discrimination. The U.S. Department of Labors said it has entered into an agreement with the financial institution over charges that Wells Fargo discriminated against 34,193 XXXX American applicants for banking, customer sales and service, and administrative support positions at U.S. locations nationwide and against 308 female applicants for administrative support positions. \n\n( https : XXXX ) Despite your claims suggesting that you arent crooks or have not done anything wrong, these stories still come up : https : XXXX XXXX developer XXXX XXXX has filed a class-action lawsuit against Wells Fargo accusing the bank of racial discrimination when it prevented him from depositing a {$3.00} XXXX check at a branch in XXXX. In XXXX, Wells Fargo has faced allegations of racism and discrimination before. The bank agreed to pay the city {$7.00} XXXX in XXXX to resolve a federal lawsuit alleging Wells Fargo 's lending practices led to a glut of foreclosed homes. The agreement was announced as Wells Fargo agreed to a {$170.00} XXXX settlement with the U.S. Department of Justice to resolve allegations that it discriminated against XXXX and XXXX mortgage borrowers from XXXX through XXXX. \n\nhttps : XXXX XXXX XXXX lawyer XXXX XXXX XXXX XXXX XXXX her client had not used profanity. Wells Fargo is in possession of the video surveillance showing exactly what happened in the branch that morning, he said. The video will not support Wells Fargos lies. A banker did a corporate records search and found Mr. XXXX other business, a record label. Mr. XXXX tried to direct the employee to the records for his law firm instead. Eventually, the branch manager got involved. He sat down across from Mr. XXXX and watched him enter information, including his Social Security number, into a keypad. Then, the man uttered the XXXX. He just said it clear as day, no mistake, Mr. XXXX said. \n\nMy jaw just dropped, I dropped the pen, there was silence, he kind of looked at me, I said : Did you really just say that? Mr. XXXX said the man had immediately begun to protest, saying that he had not meant to use the word, and that he was deeply sorry. Mr. XXXX did not buy it. He got up and left. The XXXX followed him to his car, apologizing profusely, and resigned from the bank shortly afterward. I felt like I had a knife in my gut, Mr. XXXX said. Its a sickening word. Mr. XXXX turned to Mr. XXXX, who wrote to Wells Fargo seeking an apology. \n\nThe banks regional president, XXXX XXXX, responded. It seems that the utterance of the offensive term was unintentional, Mr. XXXX wrote, but said the bank had taken corrective action against the branch manager anyway, without providing details. Ms. XXXX of Wells Fargo said the manager was deemed ineligible for any job with the bank. Mr. XXXX sued Wells Fargo in federal court in Florida on XX/XX/XXXX. These stories were posted over the last six months.","date_sent_to_company":"2021-01-07T07:48:03.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"208XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4052869","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-01-07T02:37:46.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX and watched him enter information, including his Social <em>Security</em> number, into a keypad. Then, the man uttered the XXXX. He <em>just</em> <em>said</em> it clear as day, no mistake, Mr. XXXX <em>said</em>. \n\nMy jaw <em>just</em> dropped, I dropped the pen, there was silence, he kind of looked at me, I <em>said</em> : Did you really <em>just</em> say that? Mr. XXXX <em>said</em> the man had immediately begun to protest, saying that he had not meant to use the word, and that he was deeply sorry. Mr. XXXX did not buy it. He got up and left."]},"sort":[10.481518,"4052869"]},{"_index":"complaint-public-v1","_id":"5063296","_score":10.479708,"_source":{"product":"Debt collection","complaint_what_happened":"My issue is with \" XXXX XXXX  '' property management. And is under collection from the FABCO collection agency. I lived in a rental unit XXXX XXXX XXXX XXXX XXXX, Ohio XXXX that they managed, from XXXX XXXX to XXXX XXXX. During this time I lived in sub-standard conditions. I gave my 30-day notice in XXXX XXXX. XXXX kept my entire security deposit and tried to extort from me an additional {$520.00} for what they call damages, but are generally considered tenant changeover expenses. The few valid expenses they charged me could have been easily covered by the security deposit with some leftover. The additional charges were 1 ) \" cleaning the cabinets '' the reason the cabinets needed cleaning so badly is that, when I tried to wash them, the paint just peeled off of them. This happened because they were painted with oil-based paint originally then coated over with latex paint that I believe was flat texture but they insist it was eggshell. That doesn't matter. ANY latex will not stick to oil paint! This is commonly known and easily verified. So my attempts at washing them only made them look worse as the paint peeled away. 2 ) \" replacing the carpet '' I lived there for over four years. Rental unit carpet is expected to last a maximum of 5 years. And is generally changed between tenants. The landlord tried to tell me it was a 10-year carpet. But when I asked, they never produced any proof of this. Though they said they would. I have email correspondence showing this. 3 ) \" damages to the bathroom where a leak under the toilet went unrepaired. '' ( via email ) It was their claim that I never reported this. But I have proof on my phone that not only did I call maintenance but they also called me back, confirming the appointment. When he arrived he tightened the packing nut and only slowed the leak. Furthermore, my Son was there and can verify that not only did the maintenance man not complete the repair, He told me he would finish it correctly after I move out. As \" it would be easier then '' I have phone records of these calls, though XXXX denied them. 4 ) \" Damages to the wall under the air conditioner. This is a valid charge as the air conditioner condensation apparently damaged the wall. \n\" In the email correspondence XXXX Supervisor XXXX XXXX told me she would work the problems out with me in a couple of days, but never got back to me. She also said she was willing to go to court so I could prove the charges were not valid. I never got that chance. Instead, she turned it over to a collection agency, FABCO, that has no knowledge of the circumstances. In an attempt to ruin my good credit. I tried to dispute this through XXXX, but they only call FABCO to check that the data is correct. But not if the charges are valid. If I had actually owed the money they are trying to extort from me, I would have paid this off long ago. But it is not right for a company to trump up charges to get the former tenant to pay for things that should be their responsibility! I can forward all email correspondences and phone records as needed. I have not contacted the collection agency about this directly because I was told any communication with them extends the length of time they can besmirch my credit. I do not know where to turn to get these false charges off of my record and repair my good standing with the credit bureau. I hope you can help me or direct me to someone that can. Thank you for your time and trouble. XXXX. XXXX XXXX","date_sent_to_company":"2022-01-03T10:56:35.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"44601","tags":null,"has_narrative":true,"complaint_id":"5063296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Federal Adjustment Bureau, Inc.","date_received":"2022-01-03T09:21:07.000Z","state":"OH","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["During this time I lived in sub-<em>standard</em> conditions. I gave my 30-day notice in XXXX XXXX. XXXX kept my entire <em>security</em> deposit and tried to extort from me an additional {$520.00} for what they call damages, but are generally considered tenant changeover expenses. The few valid expenses they charged me could have been easily covered by the <em>security</em> deposit with some leftover."]},"sort":[10.479708,"5063296"]},{"_index":"complaint-public-v1","_id":"2041550","_score":10.394143,"_source":{"product":"Mortgage","complaint_what_happened":"We built our house in XX/XX/XXXX. XXXX sq. feet finished, XXXX sq. feet unfinished basement, XXXX car garage on a XXXX acres. The mortgage was XXXX XXXX and XXXX XXXX. We wanted to finish the basement and the home appraised for XXXX when completed. We took out enough to finish the basement and purchase a rental property ( down payment ). We borrowed XXXX total by XX/XX/XXXX. We were thinking that we were good with XXXX still in equity. Our builder went out out of business by XX/XX/XXXX and left XXXX vacant lots in our subdivision. A new builder came in around XX/XX/XXXX building homes that were listed in the XXXX 's and we owed XXXX. I had an appraisal done XXXX XXXX that came back at XXXX. This absolutely baffled me as we have XXXX sq. feet and the new homes were XXXX-XXXX with no basements. The appraiser said they had to use the comps from MY neighborhood since there were XXXX homes sold in the last 6 months. There are no homes on the comparisons like our home whereas when they originally appraised it in XX/XX/XXXX, they used outside homes. ( All B of A ) The XXXX is now at prime +0 and the XXXX is a standard 30 year mortgage ( XXXX are with Bank of America ). By XX/XX/XXXX We started trying to fix the rate on the XXXX predicting that rates were going to increase and wanted the security of knowing our payment not fluctuating on the market or the upcoming elections. B of A stated that they could n't because the value was n't there. My mortgage was n't backed by XXXX or XXXX so HARP could n't help. I am not a veteran so that was no good. I did n't lose my job or have \" loss '' of income so that could n't help. I called them for about 4 years trying to lock in a rate while my months to repay the now XXXX XXXX kept shrinking as it has to be repaid with a max of 15 years. ( my XXXX mortgage is now less than this HELOC ) XXXX HELOC and XXXX on the XXXX ) When discussing this situation, they said the only way would be a modification to the HELOC which would negatively impact our credit. I have no idea why the bank that has both mortgages would want to negatively impact our credit. I am not moving, I just want a logical fixed payment on the XXXX where if I wait until next XXXX XXXX that payment would go from XXXX per month to XXXX per month. Meanwhile, my XXXX is at XXXX and we have 19 years left on it with a monthly payment of XXXX. I am trying to do the right thing by pro-actively searching for solutions for the last 4 years and Bank of America seems to have no options. I know that we can not afford a XXXX mortgage payment and do n't want to lose our home. \nWe both have student loans which does n't help our monthly budget but we are paying them down. As of XX/XX/XXXX, we have no unsecured debt, just the XXXX mortgages here and XXXX with the XXXX. We have XXXX car payments. I do n't want to walk away from our home as our XXXX children have grown here and we love the neighborhood. I do n't want to threaten the bank, however it seems as though they are pushing us in a corner. We do n't want to hurt our credit as we both have worked all of our lives to build it and ethically and morally I believe in always paying your debts. Please help.","date_sent_to_company":"2016-08-02T15:01:24.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Home equity loan or line of credit","zip_code":"305XX","tags":null,"has_narrative":true,"complaint_id":"2041550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-08-02T15:01:23.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The appraiser <em>said</em> they had to use the comps from MY neighborhood since there were XXXX homes sold in the last 6 months. There are no homes on the comparisons like our home whereas when they originally appraised it in XX/XX/XXXX, they used outside homes. ( All B of A ) The XXXX is now at prime +0 and the XXXX is a <em>standard</em> 30 year mortgage ( XXXX are with Bank of America )."]},"sort":[10.394143,"2041550"]},{"_index":"complaint-public-v1","_id":"8355663","_score":10.266777,"_source":{"product":"Debt collection","complaint_what_happened":"I did not receive a demand letter or validation notice, only the lawsuit from Collins Asset Group for a loan from XXXX XXXX XXXX XXXX The paperwork showed a contract only with my name, address and email only dated XX/XX/XXXX. I was told by the court I did not need an attorney and to use XXXX to respond. I responded to the court XX/XX/XXXX, I do not know either company, the debt is over 4 years TX statute of limitations, I did not receive notice ( demand letter or validation notice ) only the lawsuit paperwork, and asked the court to dismiss the lawsuit. Collin County Asset group did not respond until OVER 30 days, XX/XX/XXXX with the same paperwork and additional word documents ( unsigned ). The word documents give 3 different purchase dates for the loan all when the loan is in good standing, there is no default date provided, there are 3 balances listed throughout the documents-they choose the highest amount, there are pages of just redacted information, 2 pages of payment information when compared have different number of payments, no returned payments are present, NO bank account information shows, no evidence of where money was deposited, no social security information. I was provided information from XXXX XXXX when I reached out to them that has completely different balance and payment information than what they provided to the court. In the contract there is an arbitration clause that states several times the dispute can only be handled in small claims court but Collins Asset Group filed in Civil court for the larger amount. Again, rather than throw out the case, the court set a trial date. Then the court emailed all parties to advice the case WOULD NOT proceed until mediation occurred. All communication after this was done by email from the court, Collins Asset Group and myself. Collins Asset Group had a \" XXXX XXXX, custodian of records '' sign an affidavit in front of a notary on XX/XX/XXXX that their contradictory paperwork and balance was correct. Neither the court or Collins Asset Group ever provided this to me. I only received it from the Receivership on XX/XX/XXXX. During the time ordered for mediation, Collin Asset Group instead reached out by email asking I settle the debt and set up a payment plan with them. I notified the court they did not follow court orders but nothing was done. A week prior to the trial date I emailed the court to ask for a continuation due to my disability/having flare-ups and because I found a lawyer that needed time to prepare for court. They did not respond until a day before the trial date and it was too late at that time to ask for a continuation ; I missed the trial due to my XXXX. Rather than dismiss the case for wrong court, statute of limitation, contradictory paperwork or not proving I had the funds, or even continuing the case, the judge found in favor of Collins Asset Group. I was never allowed per the Constitution to defend myself in this case or against a witness I wasn't aware of until almost two years later and after the decision was reached. I did continue to attempt to find an attorney but I was continuously told I needed different types of attorneys because the direction the case had taken, some were not willing and said there is nothing I can do at this point, or even through my job I was given the wrong list twice. Now, XXXX my daughter had her account frozen and funds taken from her. She had to provide a bank statement showing those were her funds and not affiliated with me. A week later my two accounts were frozen. The receivership said they have rights to take 100 % of everything which will put me in state of poverty, no standard of living. I can not afford to buy medicine, pay my legitimate bills, gas, living expenses, etc. If I can't work, can't manage my XXXX then NOTHING will get paid. They said the court will have to reverse the decision. I have reached out to the court from XXXX citing the prejudicial errors with this case, I have cited the laws and guidelines broken by Collins Asset group , I have asked for the decision to be reversed. I asked if it was being worked on, if I should expect a response or if there are next steps I should take and they court will not respond to me. Collin Asset Group who I included on the email thread responded saying they refuse to release the receivership. I told them it's not their decision but the courts and did not realize they had authority over the court. I feel I have been treated with bias and the court has allowed Collin Asset group to repeatedly ignore laws and guidelines. I also asked again for : When the funds were received and at lease the last 4 of the account so I could attempt to get a bank statement showing I did not receive them, I asked besides just basic personal Identifying information that can be found on a background website if they had other information to tie me to the debt ( social/bank information ), I asked why they are allowed to breach the arbitration clause that says multiple time small claims court and they filed in civil and to provide proof they were allowed to do so, I asked for the actual default date of the loan as the documentation they provided with their 3 sales dates and no return payments shows the account in good standing, I said all the dates provided are over the 4 year statute of limitations in Texas and to explain why the law doesn't apply to them, I asked why their paperwork to the court doesn't match what was sent to me by the lender? I have not received any of this information. Some banks hold records up to 10 years. Burden of proof is on the plaintiff and I should not have to keep contacting the court, gather documents, reach out to the original lender or attempt to get my records BUT to make them stop I have tried doing these things. To prove I never received the funds I simply need the default date, when this supposed loan was funded and the account this loan was supposedly funded to but Collin Asset Group refuses to provide this information. If they were an honest company, why not provide it so I can then try to provide proof from my bank just as my daughter did? I made the comparison, I had two contracts in the last year to get my roof repaired but only one company did the work. Does that mean in 7 years the other could sell the contract and then another company come back with just my basic personal information claiming I owe them without proof of any work/financial information? I don't even know either of these companies. I know it's not exactly the same but I'm using for comparison because the only thing on that contract is basic personal information and their paperwork is completely contradictory to itself and what was provided to me by the original lender. Regardless, it's over the TX statute of limitations, they did not follow guides of notifying me of the debt, they did not respond in a timely manner, and they did not file in the correct court per the contract they submitted. As I told them, perhaps it was a \" mistake '' but to be included on the email thread and have it all written out and then respond they intend to continue to take my money without proof or providing me documentation is just malice and intent at this point. It is my belief Collin Asset Group purchases debts and have used the court system overrun with cases to get away with taking advantage not following the law or guidelines and then the consumer who is already in a bad situation and have limited options, can not read contracts or have the ability to look up information is forced to pay for outrageous judgements that like in my case should never have been in the court system or possibly never have been awarded to the amounts Collin Asset Group Received. I hope someone does an audit of the company and their practices but currently I would like help with my situation.","date_sent_to_company":"2024-02-15T15:14:35.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"754XX","tags":null,"has_narrative":true,"complaint_id":"8355663","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Collins Asset Group, LLC","date_received":"2024-02-15T13:19:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["The receivership <em>said</em> they have rights to take 100 % of everything which will put me in state of poverty, no <em>standard</em> of living. I can not afford to buy medicine, pay my legitimate bills, gas, living expenses, etc. If I can't <em>work</em>, can't manage my XXXX then NOTHING will get paid. They <em>said</em> the court will have to reverse the decision."]},"sort":[10.266777,"8355663"]},{"_index":"complaint-public-v1","_id":"8349446","_score":10.266777,"_source":{"product":"Debt collection","complaint_what_happened":"I did not receive a demand letter or validation notice, only the lawsuit from XXXX XXXX XXXX for a loan from XXXX XXXXLending Point . The paperwork showed a contract only with my name, address and email only dated XX/XX/XXXX. I was told by the court I did not need an attorney and to use XXXX to respond. I responded to the court XX/XX/XXXX, I do not know either company, the debt is over 4 years TX statute of limitations, I did not receive notice ( demand letter or validation notice ) only the lawsuit paperwork, and asked the court to dismiss the lawsuit. XXXX XXXX XXXX XXXX did not respond until OVER 30 days, XX/XX/XXXXXXXX  with the same paperwork and additional word documents ( unsigned ). The word documents give 3 different purchase dates for the loan all when the loan is in good standing, there is no default date provided, there are 3 balances listed throughout the documents-they choose the highest amount, there are pages of just redacted information, 2 pages of payment information when compared have different number of payments, no returned payments are present, NO bank account information shows, no evidence of where money was deposited, no social security information. I was provided information from Lending Point when I reached out to them that has completely different balance and payment information than what they provided to the court. In the contract there is an arbitration clause that states several times the dispute can only be handled in small claims court but XXXX XXXX XXXX filed in Civil court for the larger amount. Again, rather than throw out the case, the court set a trial date. Then the court emailed all parties to advice the case WOULD NOT proceed until mediation occurred. All communication after this was done by email from the court, XXXX XXXX XXXX and myself. XXXX XXXX XXXX had a \" XXXX XXXX, custodian of records '' sign an affidavit in front of a notary on XX/XX/XXXXXXXX  that their contradictory paperwork and balance was correct. Neither the court or XXXX XXXX XXXX ever provided this to me. I only received it from the Receivership on XX/XX/XXXX. During the time ordered for mediation, XXXX XXXX XXXX instead reached out by email asking I settle the debt and set up a payment plan with them. I notified the court they did not follow court orders but nothing was done. A week prior to the trial date I emailed the court to ask for a continuation due to my XXXX/XXXX XXXX and because I found a lawyer that needed time to prepare for court. They did not respond until a day before the trial date and it was too late at that time to ask for a continuation ; I missed the trial due to my XXXX. Rather than dismiss the case for wrong court, statute of limitation, contradictory paperwork or not proving I had the funds, or even continuing the case, the judge found in favor of XXXX XXXX XXXX. I was never allowed per the Constitution to defend myself in this case or against a witness I wasn't aware of until almost two years later and after the decision was reached. I did continue to attempt to find an attorney but I was continuously told I needed different types of attorneys because the direction the case had taken, some were not willing and said there is nothing I can do at this point, or even through my job I was given the wrong list twice. Now, XXXX my daughter had her account frozen and funds taken from her. She had to provide a bank statement showing those were her funds and not affiliated with me. A week later my two accounts were frozen. The receivership said they have rights to take 100 % of everything which will put me in state of poverty, no standard of living. I can not afford to buy medicine, pay my legitimate bills, gas, living expenses, etc. If I can't work, can't manage my XXXX then NOTHING will get paid. They said the court will have to reverse the decision. I have reached out to the court from XXXXXXXX  citing the prejudicial errors with this case, I have cited the laws and guidelines broken by XXXX XXXX XXXX , I have asked for the decision to be reversed. I asked if it was being worked on, if I should expect a response or if there are next steps I should take and they court will not respond to me. XXXX XXXX XXXX who I included on the email thread responded saying they refuse to release the receivership. I told them it's not their decision but the courts and did not realize they had authority over the court. I feel I have been treated with bias and the court has allowed XXXX XXXX group to repeatedly ignore laws and guidelines. I also asked again for : When the funds were received and at lease the last 4 of the account so I could attempt to get a bank statement showing I did not receive them, I asked besides just basic personal Identifying information that can be found on a background website if they had other information to tie me to the debt ( social/bank information ), I asked why they are allowed to breach the arbitration clause that says multiple time small claims court and they filed in civil and to provide proof they were allowed to do so, I asked for the actual default date of the loan as the documentation they provided with their 3 sales dates and no return payments shows the account in good standing, I said all the dates provided are over the 4 year statute of limitations in Texas and to explain why the law doesn't apply to them, I asked why their paperwork to the court doesn't match what was sent to me by the lender? I have not received any of this information. Some banks hold records up to 10 years. Burden of proof is on the plaintiff and I should not have to keep contacting the court, gather documents, reach out to the original lender or attempt to get my records BUT to make them stop I have tried doing these things. To prove I never received the funds I simply need the default date, when this supposed loan was funded and the account this loan was supposedly funded to but XXXX XXXX XXXX refuses to provide this information. If they were an honest company, why not provide it so I can then try to provide proof from my bank just as my daughter did? I made the comparison, I had two contracts in the last year to get my roof repaired but only one company did the work. Does that mean in 7 years the other could sell the contract and then another company come back with just my basic personal information claiming I owe them without proof of any work/financial information? I don't even know either of these companies. I know it's not exactly the same but I'm using for comparison because the only thing on that contract is basic personal information and their paperwork is completely contradictory to itself and what was provided to me by the original lender. Regardless, it's over the TX statute of limitations, they did not follow guides of notifying me of the debt, they did not respond in a timely manner, and they did not file in the correct court per the contract they submitted. As I told them, perhaps it was a \" mistake '' but to be included on the email thread and have it all written out and then respond they intend to continue to take my money without proof or providing me documentation is just malice and intent at this point. It is my belief XXXX XXXX XXXX purchases debts and have used the court system overrun with cases to get away with taking advantage not following the law or guidelines and then the consumer who is already in a bad situation and have limited options, can not read contracts or have the ability to look up information is forced to pay for outrageous judgements that like in my case should never have been in the court system or possibly never have been awarded to the amounts XXXX XXXX XXXX Received. I hope someone does an audit of the company and their practices but currently I would like help with my situation.","date_sent_to_company":"2024-02-20T21:06:30.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"754XX","tags":null,"has_narrative":true,"complaint_id":"8349446","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LendingPoint Holdings LLC","date_received":"2024-02-15T15:14:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["The receivership <em>said</em> they have rights to take 100 % of everything which will put me in state of poverty, no <em>standard</em> of living. I can not afford to buy medicine, pay my legitimate bills, gas, living expenses, etc. If I can't <em>work</em>, can't manage my XXXX then NOTHING will get paid. They <em>said</em> the court will have to reverse the decision."]},"sort":[10.266777,"8349446"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":135,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":135}]}},"product":{"doc_count":135,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":29,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":12},{"key":"VA mortgage","doc_count":6},{"key":"FHA mortgage","doc_count":5},{"key":"Other type of mortgage","doc_count":4},{"key":"Home equity loan or line of credit","doc_count":1},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1}]}},{"key":"Checking or savings account","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking 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