{"took":133,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":9,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8418884","_score":21.02825,"_source":{"product":"Mortgage","complaint_what_happened":"Rec 'd mail notice of XXXX Tax notice in the amount of {$1200.00} due by XX/XX/XXXX. \nCalled Essex Mortgage XXXX and was told the payment was made via wire on XX/XX/XXXX at XXXX XXXX. I called my county office and provided this information while the mortgage company was on same line and they requested a document/confirmation number and the mortgage company could not provide. The county also said they did not have a payment for this date and time. \n\nXX/XX/XXXX @ XXXX XXXX CST After on the phone for an hour and half, I could not get any other information other than a supervisor will call me back. I received a phone call from XXXX, XXXX and he stated the wire was setup from a 3rd party vendor, XXXX XXXX and he could not provide any other information as there were other home owners information with that payment. \n\nXX/XX/XXXX I called my county office this morning at XXXX CST and they confirmed the Property taxes are still due.","date_sent_to_company":"2024-02-26T17:01:52.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"370XX","tags":null,"has_narrative":true,"complaint_id":"8418884","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Data Mortgage Inc.","date_received":"2024-02-26T16:50:28.000Z","state":"TN","company_public_response":null,"sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["XX/XX/<em>XXXX</em> @ <em>XXXX</em> <em>XXXX</em> CST After on the phone for an hour and half, I <em>could</em> not get any other information other than a supervisor will call me back. I received a phone call from <em>XXXX</em>, <em>XXXX</em> and he stated the wire was <em>setup</em> from a 3rd <em>party</em> <em>vendor</em>, <em>XXXX</em> <em>XXXX</em> and he <em>could</em> not provide any other information as there were other home owners information with that payment. \n\nXX/XX/<em>XXXX</em> I called my county office this morning at <em>XXXX</em> CST and they confirmed the Property taxes are still due."]},"sort":[21.02825,"8418884"]},{"_index":"complaint-public-v1","_id":"17370885","_score":13.7866125,"_source":{"product":"Credit card","complaint_what_happened":"This is an addition to another complaint filed [ XXXX ]. \nI made an additional contact to Discover on XX/XX/XXXX at XXXX cst. I was transferred to XXXX in XXXX  from an account manager with XXXX XXXX. XXXX stated I was with the wrong team and transferred me to XXXX XXXX who stated she was with the internal collections department. She stated in order to work with the pre-delinquency department I would need to make a past due payment in the amount of {$64.00} by XXXX EST XX/XX/XXXX. I pulled together the money and made the payment on XX/XX/XXXX and have the confirmation number. This agent filed an internal complaint on my behalf and provided confirmation numbers XXXX and case confirmation number XXXX. \nI called on XX/XX/XXXX at XXXX CST. I got the automated system and requested the hardship department. I spoke with agent ID number XXXX who stated she could not transfer me to the XXXX department until I paid the remaining past due balance. I stated no, that was not what I was told. I paid the {$64.00} required by the timeframe required and was calling to talk to the XXXX department to set-up a long term repayment plan. This agent stated the payment was not showing up in their system yet. She stated she would file another complaint and advised me to call at a later date to when the payment cleared. \nI called this morning at XXXX XXXX  CST. I spoke with XXXX, ID number XXXX who claimed there was no plan for my account. I asked for a supervisor and was instead transferred to someone in HR ( XXXX XXXX ) who gave me the number for the XXXX department of XXXX. I called this number and spoke with XXXX ID number XXXX who stated she was with the pre-delinquency department when I asked. She stated there is no repayment plan available for my account. I asked for a supervisor twice and was told they would tell me the same thing. I requested notes be added to my account and she read them back to me. \nAt this point, I have been given the runaround when trying to set-up a plan and be responsible and proactive and no one wants to help. I'm tired, I'm frustrated, and I'm angry. This is a total of 20 times ( 18 from first complaint filed on XX/XX/XXXX ) plus the two on the last call. I've been told there is a repayment plan and then told there is no repayment plan. Every call begins with this is an attempt to collect a debt and no one seems to want to assist me in trying to pay for a debt. I want this on record that I have no agreement to pay any debt to a third-party vendor, collections agency, or any other collections department as I have no signed contract with any of them. I made my attempts, was refused, and am now done. Discover was bought out by XXXX XXXX. XXXX XXXX worked with me on my accounts and had everything done and approved in less than XXXX minutes. Discover has dragged on for over two days with no resoluation. I'm done tryind.","date_sent_to_company":"2025-11-19T14:53:55.000Z","issue":"Struggling to pay your bill","sub_product":"General-purpose credit card or charge card","zip_code":"420XX","tags":null,"has_narrative":true,"complaint_id":"17370885","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-11-19T14:41:27.000Z","state":"KY","company_public_response":null,"sub_issue":"Credit card company won't work with you while you're going through financial hardship"},"highlight":{"complaint_what_happened":["I want this on record that I have no agreement to pay any debt to a third-<em>party</em> <em>vendor</em>, collections agency, or any other collections department as I have no signed contract with any of them. I made my attempts, was refused, and am now done. Discover was bought out by <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em> <em>XXXX</em> worked with me on my accounts and had everything done and approved in less than <em>XXXX</em> minutes. Discover has dragged on for over two days with no resoluation. I'm done tryind."]},"sort":[13.7866125,"17370885"]},{"_index":"complaint-public-v1","_id":"3771118","_score":11.049767,"_source":{"product":"Debt collection","complaint_what_happened":"Approximately XXXX of XXXX my family and I were approached by a vendor from XXXX XXXX at XXXX offering a free home water analysis. \nA Representative from XXXX XXXX XXXX  ( XXXX  ) named XXXX XXXX came to the home to Test our water. He conducted a presentation XXXX pitch indicating how our water was bad and the equipment from XXXX XXXX XXXX would provide our home with the softest and cleanest water in town. \n\nI indicated that I was not able to purchase or agree to obtaining the products at the time due to medical and financial issues. He understood yet was persistent on getting the equipment that day as I would be offered an additional {$500.00} off the total price. I refused. I was speaking to a representative by the name of XXXX @ XXXX, negotiating on the price for the equipment. I asked if they gave any military discounts, since Im a proud husband of my wife who was serving for 22 years in our XXXX XXXX. I agreed to $ XXXX tax, which came to {$5600.00}. \n\nXX/XX/XXXX, XXXX A couple months later XXXX XXXX called me to follow up and inquire if this would be a better time to obtaining the unit and their services. I also provided her with a check to setup auto-pay. \n\nShe stated that I could finance the unit and I agreed. Weeks later, I was advised that I was not approved to have it financed and that I would need to write a letter explaining my financial circumstances. I was asked to obtain a letter from a notary indicating that my wife had given me permission to have the unit installed in her home and that she was not able to finance it due to her military XXXX XXXX. I was advised that this process would be through their Time Investment Company , Inc ( TIC ) and also their in house financing. About 2 weeks later I received a phone call stating that I was approved, and they wanted to schedule an appointment to come out and install the equipment. XX/XX/XXXX XXXX came out to install the systems. \n\nI had been receiving numerous harassing emails and phone calls after I advised TIC about breaching their own contract, incomplete work that needed to be done along with damage to our home ( XXXX  ) and that I wasn't going to be sending any payments to them. I contacted TIC numerous times trying to resolve all the issues and got nowhere. They attempted cashing one of my checks twice ( check # XXXX ), I had already canceled the auto-pay and contacted them about this. I received two {$29.00} NSF fees from my bank. Eventually I had the water tested and there was still hardness. This is a scam, its fraud. \n\nI sent them a cease and desist letter to TIC ( received by XXXX XXXX XX/XX/XXXX ) - \" To cease all communication with me in regard to the debt referenced above. Do not contact me, or any third parties regarding this debt via the telephone or email. '' I was contacted 4 times after they received my cease and desist letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). These are violations of my rights under Section 806 of the Harassment Act and Section 805 of The Privacy Act of the Fair Debt and Collection Practices Act. I can also provide more emails received before the cease and desist was sent if needed.","date_sent_to_company":"2020-07-30T06:13:25.000Z","issue":"Communication tactics","sub_product":"Other debt","zip_code":"87110","tags":"Servicemember","has_narrative":true,"complaint_id":"3771118","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Time Investment Company, Inc.","date_received":"2020-07-30T04:44:34.000Z","state":"NM","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["Approximately <em>XXXX</em> of <em>XXXX</em> my family and I were approached by a <em>vendor</em> from <em>XXXX</em> <em>XXXX</em> at <em>XXXX</em> offering a free home water analysis. \nA Representative from <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  ( <em>XXXX</em>  ) named <em>XXXX</em> <em>XXXX</em> came to the home to Test our water. He conducted a presentation <em>XXXX</em> pitch indicating how our water was bad and the equipment from <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> would provide our home with the softest and cleanest water in town."]},"sort":[11.049767,"3771118"]},{"_index":"complaint-public-v1","_id":"17506509","_score":10.4612255,"_source":{"product":"Debt collection","complaint_what_happened":"b'CFPB COMPLAINT - DEBT COLLECTION DISPUTE\\nDate: XX/XX/XXXX\\nComplainant: XXXX XXXX\\nCompany: XXXX XXXX XXXX\\nAddress: XXXX XXXX XXXX, XXXX, NJ XXXX\\nEmail: XXXX\\nComplaint Against:\\n1.\\tXXXXh XXXX XXXX XXXX (Original Creditor)\\n2.\\tDebt Collectors International, Inc. (Collection Agency)\\nClaim Number: XXXX\\nDisputed Amount: XXXX\\nAmount Already Paid: XXXX (for services not rendered)\\nLegitimate Amount Owed: XXXX\\n________________________________________\\nEXECUTIVE SUMMARY\\nI am filing this complaint against Debt Collectors International, Inc. and XXXX XXXX XXXX XXXX for attempting to collect XXXX for services that were not provided as contracted.\\nThe Situation:\\nXXXX XXXX XXXX had XXXX contracts with XXXX XXXX XXXX for white-label Meta advertising services (XXXX each, XXXX-month minimum):\\n\\tContract 1 (Company A): Services were being provided as agreed\\n\\tContract 2 (Company B): Services were NOT provided as contracted - THIS IS THE DISPUTE\\nFor Contract 2 (Company B - signed XX/XX/XXXX):\\n\\tXXXX: Only minimal CRM and XXXX XXXX setup completed\\n\\tXXXXXXXXXXXX: ZERO ongoing services provided despite my client being unable to provide necessary materials\\n\\tI immediately notified XXXX XXXX XXXX of the impossibility of providing services without client materials\\n\\tThey refused to pause billing or work with me in good faith\\n\\tThey continued charging XXXX/month while providing zero deliverables\\nMy Response:\\n\\tI paid XXXX (XXXX) for setup work\\n\\tI paid XXXX (XXXX) under protest\\n\\tIn XXXX, their material breach and bad faith was so severe that I terminated BOTH contracts - even Contract 1 which was working\\n\\tI did not use services for the final month(s) of either contract\\n\\tI made a clean break when they proved they would charge for impossible/non-performed services\\nCurrent Situation:\\n\\tXXXX XXXX XXXX sent account to collections\\n\\tDebt Collectors International demanding XXXX\\n\\t5-day threat of litigation\\n\\tHanging up when I tried to explain the dispute\\n\\tRefusing to validate debt or discuss legitimate issues\\nTotal Harm: XXXX already paid for minimal services + XXXX being demanded = XXXX for basic XXXX setup work only\\n________________________________________\\nDETAILED TIMELINE - CONTRACT 2 (COMPANY B)\\nContract Signed: XX/XX/XXXX\\nContract Details:\\n\\tService: XX/XX/XXXX (white-label)\\n\\tMonthly fee: XX/XX/XXXX\\n\\tTerm: XX/XX/XXXX-month minimum commitment\\n\\tDocument Ref: XX/XX/XXXX\\n\\tSigned via XX/XX/XXXX\\nServices Promised:\\n1.\\tBlueprint complete Ad Build in client\\'s ad account\\n2.\\tCreate offers that demand action\\n3.\\tCreate variations of ad copy\\n4.\\tCreate variations of images and videos\\n5.\\tCreate custom CRM with shared access\\n6.\\tSetup automated text & email campaigns\\n7.\\tMedia Buyers regularly optimize campaigns\\n8.\\tAccount managers regularly connect with clients\\n9.\\tReal-time reporting via XX/XX/XXXX\\nXX/XX/XXXX - Minimal Setup Only\\nWhat Was Provided:\\n\\tInitial CRM setup\\n\\tInitial XXXX XXXX account setup\\nWhat Was NOT Provided:\\n\\tNo ad campaigns created or launched\\n\\tNo offer strategy developed\\n\\tNo ad copy variations\\n\\tNo image/video creatives\\n\\tNo automated campaigns\\n\\tNo optimization work\\n\\tNo account management\\n\\tNo reporting\\nThe Problem: My client failed to provide necessary materials, information, and assets needed to run advertising campaigns. I immediately notified XXXX XXXX XXXX  that work could not proceed beyond basic setup without client materials.\\nPayment: XXXX charged and paid\\nXX/XX/XXXX - ZERO Services Provided\\nWhat Was Provided: NOTHING\\n\\tNo campaigns launched\\n\\tNo optimization\\n\\tNo account management\\n\\tNo reporting\\n\\tClient still hadn\\'t provided materials\\n\\tServices remained impossible to perform\\nMy Actions:\\n\\tNotified XXXX XXXX XXXX that client materials weren\\'t available\\n\\tInformed them work could not be performed\\n\\tRequested they pause billing or provide credit\\nTheir Response:\\n\\tContinued charging full XXXX/month\\n\\tProvided zero services\\n\\tRefused to adjust billing\\nPayment: XXXX charged and paid under protest\\nXX/XX/XXXX - Material Breach Leads to Termination\\nWhat Was Provided: NOTHING\\n\\tStill no campaigns\\n\\tStill no ongoing work\\n\\tStill no client materials\\n\\tStill zero services beyond XXXX setup\\nMy Actions:\\n\\tStopped automatic payment for Contract 2\\n\\tContacted XXXX XXXX XXXX to dispute charges\\n\\tRequested refund/credit for XXXX (zero services)\\n\\tRequested waiver of XXXX charge (zero services)\\n\\tDue to their material breach and bad faith, I terminated BOTH contracts\\n\\tStopped Contract 1 (Company A) even though it was working\\n\\tDid not use services for final month(s) of either contract\\nTheir Response:\\n\\tNo response to emails\\n\\tNo attempt to resolve\\n\\tSent account to collections\\nXXXX XXXX - Sent to Collections\\nContract Status:\\n\\tContract 2 expired: XX/XX/XXXX (XXXX months from signing)\\n\\tXXXX charges are completely outside contract term\\nCollection Activity:\\n\\tAccount sent to Debt Collectors International, Inc.\\n\\tAmount inflated to XXXX\\n\\tCollection letter receivedXX/XX/XXXX\\n\\tXX/XX/XXXX-day payment deadline with litigation threats\\n\\tRefused to discuss legitimate dispute\\n\\tHung up when I tried to explain\\n________________________________________\\nTHE CORE DISPUTE\\nWhat I\\'m Disputing:\\nContract 2 (Company B) charges for:\\n1.\\tXX/XX/XXXX (XXXX) - Zero services provided beyond XXXX  setup\\n2.\\tXX/XX/XXXX ($497) - Zero services provided beyond XXXX  setup\\n3.\\tXX/XX/XXXX (XXXX) - Partially/fully outside contract term + zero services\\n4.\\tXX/XX/XXXX (XX/XX/XXXX) - COMPLETELY outside contract term (unauthorized)\\n5.\\tPenalties/fees (approximately XXXX)\\nTotal Disputed: XXXX\\nWhat I Already Paid:\\nJXX/XX/XXXX: XXXX - Acknowledged some setup work completed XX/XX/XXXX: XXXX - Zero ongoing services provided\\nTotal Paid: XXXX for minimal XXXX  setup + nothing in XXXX\\nThe Fundamental Issues:\\n1. Services Could Not Be Performed\\n\\tContract required client materials to deliver services\\n\\tClient never provided necessary materials\\n\\tI notified them immediately\\n\\tPerformance was objectively impossible\\n\\tThey continued charging anyway\\n2. No Ongoing Services Delivered\\n\\tContract promised \"regularly optimize campaigns\" - Never happened\\n\\tContract promised \"regularly connect with clients\" - Never happened\\n\\tContract promised \"real-time reporting\" - Never happened\\n\\tOnly minimal XXXX setup was completed\\n\\tXXXX: Zero deliverables\\n3. Material Breach and Bad Faith\\n\\tI notified them services couldn\\'t proceed without client materials\\n\\tGood faith required them to pause billing or adjust charges\\n\\tThey refused and continued charging full fees\\n\\tThey ignored my dispute attempts\\n\\tThis material breach justified terminating entire business relationship\\n4. Contract Expired\\n\\tSigned: XX/XX/XXXX\\n\\tTerm: 3 months\\n\\tExpired: XX/XX/XXXX\\n\\tXXXXr charges are completely unauthorized\\n5. I Did Not Use Services I Didn\\'t Pay For\\n\\tWhen I stopped paying, I stopped using services\\n\\tI terminated both contracts\\n\\tI didn\\'t try to get free services\\n\\tI made clean break due to their breach\\n________________________________________\\nWHY THEIR ANTICIPATED DEFENSES FAIL\\nDefense: \"We tried to follow up and you said client wasn\\'t responding\"\\nMy Response: Yes, I notified them client materials weren\\'t available, which made performance IMPOSSIBLE. This should have triggered billing pause, not continued charges for zero work.\\nLegal Reality:\\n\\tImpossibility of Performance: When performance becomes impossible through no fault of either party, both are excused (Restatement 2d Contracts  261)\\n\\tSubstantial Performance Required: Being \"ready and willing\"  actually performing. Zero deliverables = zero performance\\n\\tDuty of Good Faith: When notified services couldn\\'t proceed, good faith required accommodation, not continued charging (Restatement 2d Contracts  205)\\n\\tNo Consideration: No value provided = no payment owed\\n\\tUnconscionability: Requiring XXXX for services that couldn\\'t be and weren\\'t performed is unconscionable\\nIndustry Standard: When clients can\\'t provide materials, reputable agencies:\\n\\tPause billing until materials received\\n\\tOffer reduced rates\\n\\tApply credits to future months\\n\\tWork collaboratively on solutions\\nXXXX XXXX XXXX  did none of this. They simply charged full fees while delivering nothing.\\nDefense: \"You signed a 3-month minimum contract\"\\nMy Response: 3-month minimum assumes the vendor will actually provide contracted services. They provided only minimal XXXX setup, then nothing.\\nLegal Reality:\\n\\tMaterial breach by one party excuses the other\\'s performance\\n\\tSubstantial performance is required to collect payment\\n\\tMinimal setup  substantial performance for ongoing service contract\\n\\tContract expired XX/XX/XXXX anyway\\nDefense: \"Contract says \\'no refunds\\'\"\\nMy Response: \"No refunds\" clauses are unenforceable when services aren\\'t provided. This is unjust enrichment.\\nLegal Reality:\\n\\tUnconscionable terms are void\\n\\tCourts don\\'t enforce terms that result in extreme one-sided benefit\\n\\tTaking money without providing value = unjust enrichment\\n\\t\"No refunds\" doesn\\'t shield non-performance\\n________________________________________\\nTERMINATION OF BOTH CONTRACTS\\nWhy I Stopped Everything\\nXXXX XXXX XXXX\\'s material breach and bad faith on Contract 2 was so severe that I lost all confidence in their business practices. Their conduct demonstrated:\\n\\tWillingness to charge for impossible services\\n\\tRefusal to work with customers in good faith\\n\\tIgnoring legitimate disputes\\n\\tPrioritizing revenue over fair dealing\\nI terminated both contracts, including Contract 1 which was performing, because:\\n1.\\tTheir breach on Contract 2 showed they couldn\\'t be trusted\\n2.\\tAnticipatory repudiation - their conduct indicated future non-performance\\n3.\\tI couldn\\'t continue business relationship with company acting in bad faith\\n4.\\tI did not use services I stopped paying for\\nThis demonstrates:\\n\\tSeverity of their breach (justified terminating even working contract)\\n\\tMy good faith (walked away from services I was receiving)\\n\\tConsistent action (didn\\'t cherry-pick disputes)\\n\\tPrincipled decision (sacrificed working relationship due to their wrongdoing)\\n________________________________________\\nCURRENT COLLECTION ACTIVITY VIOLATIONS\\nDebt Collectors International, Inc. - FDCPA Violations\\n1. False or Misleading Representations (15 U.S.C.  1692e)\\n\\tAttempting to collect XXXX for services not rendered\\n\\tClaiming I \"owe everything because I signed contract\" (ignores material breach doctrine)\\n\\tInflating debt without proper validation\\n\\tMisrepresenting amount owed\\n2. Failure to Validate Debt (15 U.S.C.  1692g)\\n\\tNo documentation provided showing services were rendered\\n\\tNo proof of deliverables for XXXX XXXXn\\tNo explanation of how debt increased to XXXX\\n\\tProceeding with collection threats without validation\\n3. Harassment (15 U.S.C.  1692d)\\n\\tUnreasonably short 5-day deadline before litigation threat\\n\\tHanging up when I attempted to explain legitimate dispute\\n\\tRefusing to engage with valid concerns\\n\\tThreatening litigation without proper debt validation\\n4. Unfair Practices (15 U.S.C.  1692f)\\n\\tAttempting to collect amount not authorized by contract (XXXX charges after expiration)\\n\\tAttempting to collect fees/penalties when original creditor breached\\n5. Communication in Violation of Request (if applicable)\\n\\tI will be requesting all communications be in writing only\\n\\tI am currently on medical bed rest outside the United States\\n\\tPhone calls exacerbate my medical condition\\n\\tAny phone contact after written request will violate 15 U.S.C.  1692c(c)\\n________________________________________\\nXXXX XXXX XXXX - VIOLATIONS\\n1. Breach of Contract\\n\\tFailed to provide \"regular optimization\" as promised\\n\\tFailed to provide \"regular account management\" as promised\\n\\tFailed to provide \"real-time reporting\" as promised\\n\\tProvided only minimal setup, then nothing for months\\n2. Unjust Enrichment\\n\\tCollected XXXX for minimal XXXX  setup + zero XXXX services\\n\\tDemanding XXXX  more for XXXX non-services\\n\\tTotal: XXXX for basic setup work only\\n\\tTaking money without providing value = unjust enrichment\\n3. Bad Faith / Unfair Business Practices\\n\\tContinued charging when services couldn\\'t be performed\\n\\tRefused to pause billing when notified of impossibility\\n\\tIgnored dispute resolution attempts\\n\\tSent to collections without addressing legitimate dispute\\n\\tViolated duty of good faith and fair dealing\\n4. Consumer Fraud (Potential)\\n\\tCharging for services not rendered\\n\\tRefusing to refund for non-performance\\n\\tUnconscionable contract enforcement\\n\\tMay violate NJ Consumer Fraud Act and FL Deceptive Trade Practices Act\\n________________________________________\\nHARM CAUSED\\nFinancial Harm\\n\\tXXXX already paid for services largely not rendered\\n\\tXXXX being demanded for impossible/non-performed services\\n\\tTotal exposure: XXXX for basic July setup only\\n\\tLost Contract 1 services due to their breach on Contract 2\\n\\tDevastating for small business during financial hardship\\nOperational Harm\\n\\tTime and resources diverted from business operations\\n\\tStress while on medical bed rest\\n\\tUnable to focus on business recovery\\n\\tThreat of litigation\\nEmotional Harm\\n\\tSignificant stress and anxiety\\n\\tExacerbated by being on medical bed rest\\n\\tCurrently outside United States, unable to address in person\\n\\tHarassment and intimidation tactics\\nCredit/Reputation Risk\\n\\tPotential negative credit reporting\\n\\tAppearance of non-payment despite legitimate dispute\\n\\tBusiness reputation at risk\\n________________________________________\\nMEDICAL HARDSHIP & SPECIAL CIRCUMSTANCES\\nCurrent Situation\\nI am currently on medical bed rest outside the United States. This creates several issues:\\nMedical Limitations:\\n\\tCannot handle stress of phone calls\\n\\tCannot travel to United States for any proceedings\\n\\tNeed all communications in writing via email\\n\\tPhone contact exacerbates medical condition\\nInternational Location:\\n\\tCurrently abroad for medical reasons\\n\\tCannot address this matter in person\\n\\tTime zone differences complicate phone communication\\n\\tMust handle everything remotely\\nRequest for Accommodations:\\n\\tAll communications via email only: XXXX\\n\\tExtended response times if needed due to medical condition\\n\\tRemote participation in any proceedings\\n\\tNo phone contact\\n________________________________________\\nFINANCIAL HARDSHIP\\nXXXX XXXX XXXX Current Financial Status\\nXXXX XXXX XXXX is experiencing severe financial hardship:\\nBusiness Situation:\\n\\tSignificant revenue decline\\n\\tStruggling to maintain operations\\n\\tCannot afford XXXX  for services not rendered\\n\\tAlready lost XXXX to XXXX XXXX XXXX\\n\\tLost Contract 1 services due to their breach\\nFinancial Impact:\\n\\tTotal claimed: XXXX (XXXX paid + XXXX demanded)\\n\\tThis represents significant portion of operating budget\\n\\tPayment would cause severe hardship\\n\\tMay force business closure\\nGood Faith:\\n\\tWe paid XXXX already despite minimal services\\n\\tWe\\'re not seeking to avoid legitimate debts\\n\\tWe\\'re refusing to pay for services that weren\\'t provided\\n\\tWe walked away from Contract 1 services we were receiving\\n\\tWe sacrificed working relationship due to principle\\nCannot Pay: Even if they win judgment, we cannot pay XXXX. This makes us effectively judgment-proof, making litigation pointless for them.\\n________________________________________\\nDOCUMENTATION AVAILABLE\\nI can provide the following supporting documents:\\n1.\\t Contract for Company B (PandaDoc Ref: XXXX, signed XX/XX/XXXX)\\n2.\\t Evidence of Contract 1 - Documentation showing we had two contracts, stopped both\\n3.\\t Email communications notifying NAA that client materials weren\\'t provided\\n4.\\t Email communications requesting halt or adjustment of billing\\n5.\\t Email communications attempting to resolve dispute\\n6.\\t Bank/credit card statements showing XXXX XXXX) and XXXX (XXXX) payments\\n7.\\t Collection letter from Debt Collectors International dated XX/XX/XXXX\\n8.\\t Proof of zero services provided: \\no\\tNo ad campaigns launched\\no\\tNo reporting provided\\no\\tNo optimization performed\\no\\tNo ongoing account management\\n9.\\t Documentation of terminating both contracts\\n10.\\t Evidence of not using services after stopping payment\\nCritical Point: XXXX XXXX XXXX cannot provide documentation of services rendered XXXX because no ongoing services were provided beyond minimal XXXX setup.\\n________________________________________\\nRESOLUTION REQUESTED\\nPrimary Request: Complete Waiver of XXXX\\nI am requesting:\\n1. Immediate Cessation of Collection Activity\\n\\tStop all collection attempts until proper investigation\\n\\tRemove 5-day litigation threat\\n\\tEngage in good faith discussion of legitimate dispute\\n2. Proper Debt Validation Required XXXX XXXX XXXX must provide proof of:\\n\\tServices rendered inXX/XX/XXXX (campaigns, optimization, management, reporting)\\n\\tServices rendered in XX/XX/XXXX (same)\\n\\tServices rendered in XX/XX/XXXX (same)\\n\\tServices rendered in XX/XX/XXXX (same)\\n\\tLegal basis for charges after contract expired (XX/XX/XXXX)\\n\\tAuthorization for charges when services were impossible to perform\\nWhen they cannot provide this proof (because services weren\\'t rendered), the debt must be waived.\\n3. Fair Resolution Based on Actual Services\\nXX/XX/XXXX (XX/XX/XXXX): Already paid - Some setup work completed\\nXX/XX/XXXX (XXXX): Already paid - Zero ongoing services provided (should be refunded but I\\'ll accept the loss)\\nXX/XX/XXXX (XXXX: Should be WAIVED\\n\\tZero ongoing services provided\\n\\tI notified them services couldn\\'t proceed\\n\\tGood faith required billing pause\\nXX/XX/XXXX (XXXX: Should be WAIVED\\n\\tContract expired XXXX 10\\n\\tZero ongoing services provided\\n\\tPartially/fully outside contract term\\nXX/XX/XXXX (XXXX): Should be WAIVED\\n\\tCOMPLETELY outside contract term\\n\\tZero services provided\\n\\tUnauthorized charge\\nPenalties/Fees (XXXX): Should be WAIVED\\n\\tThey materially breached first\\n\\tCannot penalize customer when vendor doesn\\'t perform\\n\\tUnconscionable when services weren\\'t provided\\nProposed Resolution:\\n\\tI keep the XXXX loss (considering it payment for XXXX  setup + tolerance)\\n\\tThey waive the entire XXXX collection amount\\n\\tNo credit reporting\\n\\tWritten agreement that matter is resolved\\n4. Alternative - Financial Hardship Accommodation\\nIf they insist on some payment despite non-performance:\\n\\tAcknowledge my severe financial hardship\\n\\tSubstantial reduction to reflect actual services (XXXX setup only)\\n\\tPayment plan if any amount deemed owed (XXXX/month maximum)\\n\\tWaiver of all penalties and collection fees\\n\\tNo credit reporting during or after resolution\\n5. Accommodations for Medical Situation\\n\\tAll communications via email only: XXXX\\n\\tNo phone contact\\n\\tExtended response times if needed\\n\\tRemote participation in any proceedings\\n\\tRecognition of international location and medical bed rest\\n6. Investigation of Unfair Practices Request CFPB investigate:\\n\\tXXXX XXXX XXXX\\'s practice of charging for impossible/non-performed services\\n\\tTheir \"no refunds\" policy even when services aren\\'t rendered\\n\\tTheir refusal to pause billing when notified of impossibility\\n\\tTheir bad faith refusal to engage in dispute resolution\\n\\tDebt collector\\'s FDCPA violations\\n\\tDebt collector\\'s refusal to properly validate debt\\n7. No Credit Reporting Prevent any negative credit reporting while dispute is investigated and resolved. This would devastate our struggling business.\\n________________________________________\\nSTATEMENT OF GOOD FAITH\\nXXXX XXXX XXXX has acted in good faith throughout:\\nWe Paid When Services Were Provided:\\n\\tXX/XX/XXXX: Paid XXXX for setup work\\n\\tXX/XX/XXXX: Paid XXXX despite zero ongoing services\\nWe Notified Immediately of Issues:\\n\\tInformed them client materials weren\\'t available\\n\\tExplained services couldn\\'t proceed without materials\\n\\tRequested billing adjustment or pause\\n\\tAttempted resolution before stopping payment\\nWe Acted Consistently and on Principle:\\n\\tStopped both contracts when their breach became clear\\n\\tTerminated even Contract 1 which was working\\n\\tDidn\\'t use services we stopped paying for\\n\\tSacrificed working relationship due to their bad faith\\n\\tMade clean break rather than continuing problematic relationship\\nWe\\'re Not Avoiding Legitimate Debts:\\n\\tWe paid XXXX already\\n\\tWe walked away from Contract 1 services\\n\\tWe\\'re refusing to pay for services that were objectively impossible to perform and weren\\'t performed\\n\\tThis is about their non-performance, not our dissatisfaction\\nWe Attempted Resolution:\\n\\tMultiple emails to XXXX XXXX XXXX\\n\\tNo responses received\\n\\tThey refused to engage\\n\\tSent to collections without addressing legitimate dispute\\nWe Have Financial Hardship:\\n\\tBusiness revenue declined significantly\\n\\tStruggling to maintain operations\\n\\tCannot afford XXXX for non-performed services\\n\\tAlready lost XXXX + Contract 1 services due to their breach\\nThis isn\\'t refusal to pay legitimate debts. This is refusal to pay for services that couldn\\'t be and weren\\'t provided, combined with severe financial hardship and their material breach and bad faith.\\n________________________________________\\nREQUESTED CFPB ACTION\\n1.\\tInvestigate Debt Collectors International, Inc. for multiple FDCPA violations\\n2.\\tInvestigate XXXX XXXX XXXX for unfair billing practices and potential consumer fraud\\n3.\\tRequire proper debt validation showing actual services rendered (which cannot be provided)\\n4.\\tFacilitate fair resolution based on actual services provided, not contracted minimums when services weren\\'t delivered\\n5.\\tPrevent litigation while dispute is investigated\\n6.\\tConsider my financial hardship and medical situation\\n7.\\tEnsure I\\'m not held liable for: \\no\\tOngoing monthly fees when ongoing services weren\\'t provided\\no\\tCharges after contract expired\\no\\tServices that were impossible to perform\\no\\tServices I didn\\'t use after terminating contracts\\n________________________________________\\nCONTACT INFORMATION\\nComplainant:\\nXXXX XXXX XXXX XXXX XXXX\\nXXXX XXXX XXXXXXXX\\nXXXX, NJ XXXX\\nEmail: XXXX\\nPhone: XXXX XXXX XXXX\\nIMPORTANT: I am currently on medical bed rest outside the United States. All communications must be via email only due to my medical condition.\\nCollection Agency:\\nDebt Collectors International, Inc.\\nXXXX XXXX XXXX XXXX XXXX  FL XXXX\\nPhone: XXXX\\nFax: XXXX\\nClaim #: XXXX\\nOriginal Creditor:\\nXXXX XXXX XXXX XXXX\\n2XXXX XXXX XXXX XXXX XXXX\\nXXXX XXXX XXXX, Florida XXXX\\nContact: XXXX\\n\\n\\n\\n________________________________________\\nDECLARATION\\nI declare under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge.\\nI am providing complete transparency about my situation, including that I had two contracts with XXXX XXXX XXXX and terminated both due to their material breach and bad faith on Contract 2.\\n\\nDate: XX/XX/XXXX\\nName: XXXX XXXX\\nTitle: Founder, XXXX XXXX XXXX\\n\\nThis complaint is filed pursuant to my rights under the Fair Debt Collection Practices Act (15 U.S.C. 1692 et seq.), Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), and in accordance with the Consumer Financial Protection Bureau\\'s complaint process.\\nI respectfully request the CFPB\\'s assistance in resolving this matter fairly, considering that services were not provided as contracted, I have severe financial hardship, and I am currently on medical bed rest outside the United States.'","date_sent_to_company":"2025-11-25T23:09:04.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"17506509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Debt Collectors International, Inc.","date_received":"2025-11-25T23:00:13.000Z","state":"NJ","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I immediately notified <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  that work <em>could</em> not proceed beyond basic <em>setup</em> without client materials."]},"sort":[10.4612255,"17506509"]},{"_index":"complaint-public-v1","_id":"22355283","_score":10.330793,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"My letter to XXXX escalating my XXXX XXXX in the total of {$29000.00} equivalent of XXXX at the time of virtual robbery on XXXX XXXX XXXX. All fraudulent communications were received from XXXX domains and emails that passed all XXXX verification. The following letter to XXXX maps out the sophisticated fraudulent scam in chronological order and includes evidence of direct communication, all sent from the XXXX domain. The evidence and forensic fingerprinting below conclude one of two circumstances, both proving negligence on XXXX 's part : A. Either the phishing emails originated from a compromised Kraken support mailbox/relay ( genuine XXXX signing, but outside the XXXX XXXX XXXX XXXX ; or B. Attackers used insider-leaked PII to craft a credible vishing/phishing sequence from the inside. \n\nKraken has failed to respond adequately. Only receiving boilerplate responses denying any responsibility for the following sequence : To Kraken Legal, Compliance, and Executive Security Leadership, I am writing to formally escalate Ticket # XXXX beyond the tier-one support team that issued your XXXX XXXX XXXX response and to place Kraken on explicit pre-litigation notice. The boilerplate reply I received directing me to file a police report and citing the irreversibility of cryptocurrency transactions reflects a fundamental failure to review the specific facts of this case. Those facts distinguish this incident categorically from a standard third-party phishing scam and implicate Kraken 's own authenticated infrastructure in the loss of {$29000.00} in XXXX. I require a response from Kraken 's Legal, Compliance, or Executive Security leadership within five ( 5 ) business days. \n\nSince my initial review of this incident, I have conducted additional forensic examination of the email evidence using XXXXXXXX XXXX native web interface, and I have identified a critical authentication anomaly that I believe Kraken 's own security team will recognize as significant. That finding is detailed in Section IV below and materially strengthens the case that Kraken 's own sending infrastructure or that of an authorized third-party vendor was the instrument of this fraud. \n\nI. THE FACTS THAT MAKE THIS CASE UNIQUE On the evening of Sunday, XXXX XXXX XXXX, I received a coordinated series of communications that I will detail below. Every Kraken-branded communication in this sequence originated from XXXX domain, aligning with Kraken 's own official support page ( XXXX, Is this email from Kraken? ) as legitimate, secure senders XXXX, the first on the Secure Email list. I have verified this not merely by visual inspection of display names, but by examining the full email headers of every message received. The XXXX, XXXX, and XXXX authentication records on each email passed verification. These were not display-name spoofs. These were not lookalike domains. These emails were cryptographically authenticated as originating from infrastructure that Kraken 's own DNS records authorize. \n\nThe sequence of authenticated communications was as follows : At XXXXXXXX XXXX, I received an email XXXX the subject line \" Secure Portal, '' containing a professionally designed Kraken-branded template identifying employee XXXX XXXX XXXX Case ID XXXX, and instructing me that I was \" on a secure line with a Kraken representative '' and that my assets were \" at-risk. '' At XXXXXXXX XXXX and XXXX XXXX additional \" Employee Verification '' emails arrived XXXX, identifying employees XXXX XXXX ( Case ID XXXX ) and XXXX XXXX ( Case ID XXXX ), each bearing Kraken 's official logo XXXX the address \" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' and links to Kraken 's Legal Disclosures and Privacy Notice. \n\nAt XXXXXXXX XXXX an email arrived XXXX a domain listed explicitly on Kraken 's official support page as a secure, verified sender with the subject \" Action Required : Confirm Your Secret Recovery Phrase. '' This email was formatted in Kraken 's branded template, carried the Kraken Security Team signature, and presented a 12-word Secret Recovery Phrase. I was instructed to use this phrase to set up a Kraken Wallet for account security escalation purposes. Critically, Kraken 's own footer on this email stated : \" Kraken will never ask for your password or XXXX codes via email '' language designed to convey authenticity while the email itself was directing me toward a wallet setup that would prove to be the instrument of the theft. \n\nAt XXXX XXXX I received an automated confirmation XXXX the same authenticated sender with the subject \" You added a withdrawal address to Kraken, '' confirming that the \" [ Customer ] Kraken Wallet '' had been added as a withdrawal destination from my Kraken Exchange account. The email displayed my Connecticut IP address ( XXXX ) and location, consistent with my own device activity. \n\nAt XXXX XXXX, a second authenticated email XXXX \" XXXX withdrawal initiated, '' again displaying my Connecticut IP address and confirming that funds had been sent to \" [ Customer ] Kraken Wallet. '' II. THE TRANSFER OCCURRED BETWEEN TWO LEGITIMATE KRAKEN PRODUCTS This is not a case in which I sent funds to an unknown third-party address or an external wallet of unclear provenance. I transferred XXXX from my Kraken Exchange account to a Kraken Wallet the self-custody wallet application bearing Kraken 's branding, distributed through official app stores, and built and maintained by Kraken. The Kraken Wallet application itself displays a confirmed incoming transaction record showing the receipt of {$29000.00} in XXXX from my Kraken Exchange account. The balance subsequently went to zero, indicating that the funds were swept by whoever held the seed phrase for that wallet a seed phrase that was delivered to me via an XXXX address. \n\nThe entire fraudulent pathway from the initial contact, to the employee verification, to the recovery phrase delivery, to the withdrawal address addition, to the transfer confirmation ran through Kraken 's own listed authenticated email domains and Kraken 's own wallet product. There is a documented, on-chain transaction record showing XXXX moving from one Kraken product to another. This is not a case where a bad actor impersonated Kraken from the outside. This is a case where Kraken 's own authenticated sending infrastructure was the instrument of fraud. \n\nIII. THE XXXX INFRASTRUCTURE ATTACK THAT PRECEDED THE KRAKEN CONTACT The attack began with a coordinated compromise of my XXXX account. At XXXX XXXX on XX/XX/XXXX, I received authentic XXXX security alerts XXXX XXXX notifying me that a recovery email had been set up for a linked XXXX account XXXX XXXX ) using my address as the recovery destination. My XXXX Activity logs confirm that two unfamiliar devices accessed my XXXX account on XX/XX/XXXX at XXXX XXXX and XXXX XXXX prior to the Kraken contact sequence. My XXXX was subsequently locked by XXXXXXXX XXXX  security systems due to suspicious activity. This XXXX compromise was not incidental. It was the entry point that provided the attackers with the intelligence my Kraken account existence, my email address, my identity necessary to execute the second stage of the attack with the credibility and precision that followed. \n\nIV. CRITICAL FORENSIC FINDING : XXXX VERIFICATION FAILURE ON THE FRAUDULENT EMAILS Upon examination of these emails using XXXX 's native web interface the email environment that Kraken 's own support documentation references when instructing customers to verify the legitimacy of Kraken communications I have identified a critical authentication anomaly that materially distinguishes the fraudulent emails from Kraken 's legitimate transactional emails. \n\nKraken 's own published guidance instructs customers to identify legitimate Kraken emails by looking for the XXXXverified blue checkmark beside the sender name in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the highest tier of email sender verification available, requiring XXXX enforcement at quarantine or reject policy plus a Verified XXXX XXXX that Kraken has registered with email providers including XXXX. XXXX can not be spoofed or replicated by a third-party attacker ; the checkmark only appears when an email is sent through Kraken 's specifically registered, BIMI-authorized sending infrastructure.\n\nMy examination of the emails received during this incident reveals the following pattern, which I believe Kraken 's security team will recognize as forensically significant : The legitimate transactional emails XXXX specifically the \" Withdrawal address added '' notification at XXXX XXXX  and the \" XXXX withdrawal initiated '' notification at XXXXXXXX XXXX  display the XXXXverified Kraken checkmark XXXX XXXX. These emails were generated by my own ( compromised ) Kraken Exchange account taking real actions, and they were sent through Kraken 's XXXXverified sending infrastructure. Their authenticity is consistent with Kraken 's published guidance. \n\nThe fraudulent emails XXXX including the \" Secure Portal '' email at XXXX XXXX and the \" Employee Verification '' emails at XXXX XXXX XXXX XXXX and XXXX XXXX do not display the XXXX checkmark in XXXX. They passed XXXX, XXXX, and XXXX authentication, but they did not pass XXXX XXXX. \n\nThe fraudulent recovery phrase email XXXX XXXX XXXX the email that delivered the 12-word Secret Recovery Phrase used to compromise the destination wallet does not display the BIMI-verified checkmark XXXX despite originating from the exactly same domain as the legitimate transactional emails that do. \n\nThis discrepancy is not consistent with ordinary external phishing. An external attacker spoofing Kraken 's domain would either fail XXXX outright, or if exceptionally sophisticated pass them all uniformly. They would not produce emails that selectively pass XXXX but fail XXXX within the same domain. That selective failure pattern is consistent with one of two scenarios, both of which implicate Kraken 's own infrastructure or its authorized vendor relationships : First, that the fraudulent emails were sent through a third-party email service provider that Kraken has authorized in its XXXX records for XXXX purposes, but whose sending infrastructure is not covered by Kraken 's XXXX Verified Mark Certificate registration. If that vendor 's systems were compromised, the attacker would be able to send emails passing XXXX under Kraken 's domains but unable to trigger XXXX verification exactly the pattern observed. \n\nSecond, that the fraudulent emails were sent through Kraken-internal tooling that is authorized to send under Kraken 's domains but is not routed through Kraken 's XXXXcovered production sending infrastructure for example, an internal support tool, a helpdesk integration, or an administrative sending channel accessible to insider personnel. \n\nI note for the record that Kraken publicly disclosed in XXXX XXXX two separate insider incidents in which support employees were recruited by criminal networks to access customer data. The timing and methodology of those disclosures are directly relevant and to the second scenario described above. \n\nI am not, at this time, asserting which of these two scenarios produced the fraudulent emails. I am asserting that the XXXX verification failure conclusively rules out the explanation of \" ordinary third-party phishing '' and forensically narrows the source of these emails to infrastructure that Kraken either controls or has authorized. Kraken is the only party in possession of the records necessary to determine which. \n\nV. THE MATERIAL IMPLICATIONS OF KRAKEN 'S OWN PUBLISHED GUIDANCE Kraken 's support documentation specifically directs customers to use the XXXX checkmark as the verification standard for legitimate Kraken emails. I followed this guidance only after the loss occurred, and the XXXX failure pattern was decisive in confirming that I had been defrauded through compromised authorized infrastructure rather than ordinary phishing. However, Kraken 's published guidance does not adequately disclose to customers that emails can pass XXXX, XXXX, and XXXX and therefore appear authenticated in most email clients including the Spark client I was using at the time of the incident while still failing XXXX XXXX. The fraudulent emails I received were rendered as authenticated and trustworthy in my email client. The XXXX checkmark is only visible in specific email environments, and its absence is not flagged as a warning to the user. \n\nThis legal implication is significant. Kraken instructed customers to rely on a verification standard ( BIMI ) without adequately warning that emails sent from Kraken 's own listed sender domains could appear fully authenticated to users while still failing that standard. That gap in disclosure, combined with the fact that the fraudulent emails originated from infrastructure Kraken authorized, is the foundation of a material consumer-protection claim under the Connecticut Unfair Trade Practices Act.\n\nVI. LEGAL NOTICE I have filed a complaint with the FBI Internet Crime Complaint Center ( IC3 Submission ID : XXXX, filed XXXX XXXX XXXX ). I have reported this incident to local Connecticut law enforcement. I am actively seeking legal counsel and am evaluating claims under the Connecticut Unfair Trade Practices Act ( CUTPA ), Conn. Gen. Stat . 42-110a et seq., including potential per se violations tied to Connecticut 's data breach statute, 36a-701b ( j ). I am also evaluating claims for negligence, breach of contract, negligence per se based on Kraken 's obligations under its money transmitter license obligations and applicable cybersecurity standards, and breach of express and implied warranties of security tied to Kraken 's published guidance regarding email authentication. I will be filing complaints with the Connecticut Department of Banking, the Connecticut Attorney General 's Consumer Protection Unit, and FinCEN. \n\nI am not prepared to accept Kraken 's characterization of this incident as a standard third-party phishing loss. The authenticated email trail, the on-chain transaction record between two Kraken products XXXX the XXXX verification failure isolating the fraudulent emails to Kraken-authorized but XXXX-unverified infrastructure, and the circumstances of Kraken 's own recent insider security disclosures collectively raise serious questions about the integrity of Kraken 's sending infrastructure that deserve a thorough, good-faith internal investigation not a boilerplate response. \n\nI am requesting the following from Kraken within five ( 5 ) business days : First, written acknowledgment that this escalation has been received by Krakens Legal, Compliance, and/or Executive Security team not tier-one support. \n\nSecond, identification of the specific sending infrastructure, including any third-party email service provider, used to transmit XXXX I received on XXXX XXXX XXXX If those emails were transmitted through Kraken 's own production mail servers, please confirm. If they were transmitted through a third-party vendor, please identify the vendor and confirm whether that vendor 's XXXX Verified Mark Certificate registration is current. \n\nThird, identification of the specific sending infrastructure used to transmit XXXX '' Confirm Your Secret Recovery Phrase '' email I received at XXXX XXXX  on XXXX XXXX XXXX, and an explanation of why this email failed XXXX XXXX while the legitimate XXXX received later that evening passed XXXX XXXX. \n\nFourth, confirmation of whether any anomalous activity, unauthorized access, or vendor compromise was detected in any of Kraken 's authorized sending infrastructure internal or third-party on or around XXXX XXXX XXXX \n\nFifth, confirmation of whether any internal investigation has been opened in connection with this ticket, and whether the facts described in this letter have been escalated to Kraken 's security incident response team. \n\nSixth, Kraken 's position on remediation or restitution, given the totality of the facts described above. \n\nI wish to resolve this matter directly with Kraken before further legal proceedings are initiated. I am not approaching this with hostility I am approaching this as a customer who intentionally selected Kraken as my XXXX XXXX of choice due to its reputation as the most secure US-Based Exchange, yet find myself defrauded through what the forensic evidence indicates was a failure of Krakens own authenticated sending infrastructure or its authorized vendor relationships. \n\nI have preserved all relevant evidence, including full email headers, screenshots from XXXX 's native interface, the IC3 complaint confirmation, Kraken Wallet transaction records, and XXXX account activity logs documenting the unauthorized device access that preceded the Kraken contact sequence. I am prepared to share this evidence with Kraken 's Legal, Compliance, or Executive Security team upon receipt of confirmation that this matter has been appropriately escalated. \n\n- Sincerely, [ Customer Name and Address Removed as per the CFBP submission guidelines ]","date_sent_to_company":"2026-05-19T18:43:19.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"06095","tags":null,"has_narrative":true,"complaint_id":"22355283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Payward Ventures Inc. dba Kraken","date_received":"2026-05-19T18:08:47.000Z","state":"CT","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":["Second, identification of the specific sending infrastructure, including any third-<em>party</em> email service provider, used to transmit <em>XXXX</em> I received on <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> If those emails were transmitted through Kraken 's own production mail servers, please confirm. If they were transmitted through a third-<em>party</em> <em>vendor</em>, please identify the <em>vendor</em> and confirm whether that <em>vendor</em> 's <em>XXXX</em> Verified Mark Certificate registration is current."]},"sort":[10.330793,"22355283"]},{"_index":"complaint-public-v1","_id":"4539437","_score":8.542777,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have filed multiple complaints against Wells Fargo only to have them answer some of the complaints while they are still claiming that they have responded to every single claim and allegation ; this is a boldface outrageous lie. The intentional infliction and reckless conduct by Wells Fargo have caused massive financial damages and emotional distress. \n\nOn XX/XX/XXXX, I received Wells Fargo XXXX package with information regarding the frauds and my complaints and allegations all of which Wells Fargo claims they replied to each and every single one of them. But it is clearly apparent that Wells Fargo did not look at all of my claims and allegations because some material and significant claims/allegations were missed or purposely overlooked. \n\nDue to Wells Fargos arrogant, ignorant, reckless behavior, unconscionable conduct, and undue influence, willful neglect of duty, failure to act in good faith, poor stewardship, mishandling, wanton behavior showing an unwillingness to stop harming me, my XXXX, my employees, my customers as well as my third-party vendors, and sidestepping/ignoring/lying, dodging and eluding has all consummated into... \n\n- customers hesitating/refusing to do business with me out of fear of losing their inventory/finished goods ( either because they made commitments to their customers and/or they prepaid for fabric or inventory ) to Wells Fargo possible liquidation of my business, - vendors refusing to continue to extend credit to me out of fear of not getting paid, - key employees quitting because I could not give them definitive answers/guidance on the Wells Fargo 2 + year-long investigation - losing out on multiple revenue opportunities especially new credible well-documented revenue opportunities during the pandemic - no lender would provide working capital to me because Wells Fargo locked up the collateral then when I finally line up XXXX XXXX XXXX and investors who could have saved the day - after causing the massive collateral damages stemming from the multiple frauds, Wells Fargo refused to provide working capital to me and refused/dodged subordinating the collateral to other lenders so that they can provide working capital Some examples of sidestepping/ignoring/lying, dodging and eluding include... \n\n- over 23 delay letters, - no replies to any of my multiple communication attempts during the 2 + year-long SELF-Investigation held in secret behind closed doors, - multiple emails/texts/ignored conference calls/phone calls/etc., letting Wells Fargo know I have customer orders and request for proposals, - key employees were quitting, - missed working capital opportunities from investors and XXXX XXXX XXXX, - pandemic assistance ( I needed working capital during the pandemic because of new business from customers who wanted us to manufacture PPE ) ; Wells Fargo showed no interest or concern for helping XXXX XXXX to manufacture PPE for first responders and people that were XXXX during the pandemic, - Lying to our Georgia XXXX XXXX XXXX XXXX that they answered each and every single claim and allegation, - etc Due to Wells Fargo 's reckless behavior, unwillingness to stop harming me, my XXXX and my employees, this has resulted in Wells Fargo controlling my XXXX which has lead to me shutting down my XXXX  multiple times since the XXXX fraud hit the news and the result is that I was not able to manage my business and make plans for the business accordingly. In other words, I have been and is still paying overhead, property taxes, interest, and penalties were still being accrued, SBA loan payments with accrued interest are still being charged to me, etc. while hoping everything works out while my business was shut down due to Wells Fargo conducted a 2 + year-long investigation with no input from me despite me pleading to be involved ; Wells Fargo 's lack of concern, negligence, and reckless disregard is a failure to act in good faith, unconscionable conduct and undue influence ; if I had known that the SELF-Investigation would still be going on for 2 + years and I was blocked out of having any input in the investigation concerning me, my business and my employees, I could have sold the business, participated in several proposed joint ventures and/or pursued other investment opportunities or just cut my losses and shut the business down but instead no one at Wells Fargo had the decency to let me know at a minimum what the \" ballpark '' status was of the SELF-Investigation that I did not participate in. \nHow can I generate revenue when Wells Fargo has taken control of my business and shut me out of my opportunities and my right to earn a living by generating revenue and providing jobs in a minority low-income community? Below is a summary of the complaints that Wells Fargo has not answered and/or directly responded to and cross-referenced... \n\nI ) WELLS FARGO FRAUDS AND CORRUPTION 1. BUSINESS PURCHASE CLOSED ON XX/XX/XXXX I was set-up by Wells Fargo to fail on the day of the closing of my business purchase because the frauds were going on years before the XX/XX/XXXX closing on the SBA Loan. \nBackground of fraud - From the time I had closed on the purchase of XXXX XXXX in XX/XX/XXXX up to the mid to late XXXX, the fees that came out of my account was pretty significant for a small business like mine and I felt pressured to take the {$6800.00} from the mediators. The letter that I send to the mediator made it clear that the fees were crippling my business and I had been complaining to Wells Fargo about the excessive fees since late XXXX ( I spoke with XXXX XXXX of Wells Fargo via phone several times and emailed him on XX/XX/XXXX ) and was told that my fees were cheaper than other options - at the time I was not satisfied with the answer. Then in late XXXX, I heard about the fraud in the news and then in XX/XX/XXXX I called Wells Fargo and spoke to XXXX XXXX in the Wells Fargo National Business Banking Center and he confirmed that I was part of the fraud and set up in the wrong product/business checking account and he immediately switched me over to the significantly cheaper and more appropriate Platinum bank account. So I mailed appropriate correspondence to Wells Fargo headquarters, who confirmed receipt of my correspondence ; shortly thereafter I filed a claim with the mediator. \n2. REVENUE TREND - my revenue was trending upwards, I was picking up new accounts, hiring new employees and then when the fraud hit there was a direct correlation with the drop in revenue primarily tied to Wells Fargo suddenly turning their back on me as if they never met me. And the drop continued and some of it was related to the SELF-Investigation I had no control over ( discussed in item I.11 below ). See attachment for detailed email to Wells Fargo with revenue trend, 3. FRAUDS thru unauthorized fees in my business banking account, merchant services, auto protection insurance approx. {$30000.00} - {$40000.00} was taken from my business accounts, merchant services overcharges and auto collateral protection insurance by Wells Fargo and subsequent collateral damages are much worse due to lost sales, lost employees, lost customers, missed working capital opportunities from lenders and investors ; more specifically, Wells Fargo caused me to miss out on working capital opportunities by using the excuse ( 7 months later ) that I did not sign a \" Borrower 's Consent '' form as the reason for them not having a good-faith discussions with fair dealings with Investors and XXXX XXXX XXXX which caused me to miss out on $ XXXX $ XXXX in working capital... but ironically Wells Fargo could not locate the \" Borrowers Consent '' forms from 4 prior conference calls authorizing them to talk to 3rd parties on my behalf including me not being present. For over 1 year now, Wells Fargo has refused to answer this simple question about where are the Borrower 's Consent forms authorizing them to talk to prior 3rd parties on my behalf. \nWhen Wells Fargo realized they screwed up, I was asked by email to go back to the XXXX XXXX XXXX to see if they were still interested in having a good-faith discussion with fair dealings with Wells Fargo and the XXXX XXXX XXXX said no because they ran out of XXXX XXXX  program funding. \n4. MISSED WORKING CAPITAL OPPORTUNITIES Borrowers Consent Form A. XXXX XXXX XXXX In XXXX/XXXX XXXX XXXX, I had 2 XXXX XXXX XXXX ready to provide working capital of $ XXXX - $ XXXX contingent upon having a good-faith discussion with fair dealings with Wells Fargo. After multiple documented attempts to get Wells Fargo to respond, they finally responded on XX/XX/XXXX and said the reason they did not respond sooner is because I did not sign a Borrowers Consent Form authorizing them to talk to third parties on my behalf!!! This is shocking and here is why... \na. Where are the borrower 's consent forms on file from 3 prior ( before Wells Fargo decided to start demanding I sign one ) conference calls? I am sure you have them on file if you suddenly started demanding that I sign one, at least one would think!!!!... I have been asking for this for over a year now and Wells Fargo has avoided my request. How can this be explained? Why is it that Wells Fargo can not answer a simple question that a 5-year-old can answer? \nb. One of the XXXX XXXX XXXX visited my plant and was totally impressed with my operations and his only concern \" Wells Fargo has a history of not doing anything to help ( not the exact words but you get the drift ) ''. So they waited and waited and waited and nothing until about 7 months later with the poorly crafted playbook excuse about I did not sign a borrower 's consent form!!!!... this was an insult to my intelligence as a human being, as a XXXX person, as a family person ( with kids just like you and your hired gun lawyer - what possible logical excuse can I give them for why I am being treated this way ), as an employer with employees looking for leadership from me and I can go on. \nc. Then XXXX XXXX, asked me, someone realized Wells Fargo screwed up, to go back to see if the XXXX XXXX XXXX and Investors were still interested and of course after waiting 7 months for a reply from Wells Fargo they ran out of funds. What in the world do you think was going to happen? \nd. Then Wells Fargo has the nerve to find a clause in my SBA agreements \" on file '' that says they can hire a 3rd party lawyer to come after me!!!!!!!!!!! Another insult to my intelligence... after more than 1 year, Wells Fargo can not find a \" borrower 's consent form \" on file '' but IMMEDIATELY found \" on file '' the clause allowing you to hire a lawyer to come after me e. So I missed out on $ XXXX $ XXXX in working capital. \nf. Then in the last conference call we had, Wells Fargo suddenly requires I sign a Borrower 's Consent form for all of the invitees as if that would correct the wrongs. And then to make matters worse, you turned down my customer 's offer to personally, out of their own pocket, offer working capital if Wells Fargo would match it!!!!! And XXXX XXXXWells Fargo said no. \ng. WHERE ARE THE BORROWER 'S CONSENT FORMS ON FILE THAT I SIGNED AUTHORIZING WELLS FARGO TO TALK ABOUT MY XXXX WITH THESE 4 OTHER PRIOR 3RD PARTIES? \n\nHere are the conference calls with third parties XXXX XXXX was involved in WITHOUT a Borrowers Consent form signed by me... \ni. Conference call on XX/XX/XXXX with an investor, XXXX XXXX and his company AMP and there was no mention of Borrowers consent form ii. Conference call on XX/XX/XXXX ( and many other times/occasions ) XXXX spoke with XXXX XXXX, my financial advisor/banking broker, who was working with me to help secure working capital. XXXX did not ask me to sign a Borrowers consent form. \niii. On XX/XX/XXXX with XXXX XXXX, XXXX XXXX and 2 other 3rd party former professional athletes interested in investing in Platinum Sportswear and no one from Wells Fargo asked for a signed Borrowers Consent form iv. On a XX/XX/XXXX conference call with XXXX and XXXX XXXX with at least 4 other participants and suddenly I was required to sign a Borrowers consent form ; ironically this was one week after Wells Fargos XX/XX/XXXX Resolution Letter saying they did not get back to me for 7 months on the XXXX XXXX XXXX because I did not sign a Borrower 's consent form Why the inconsistencies with requiring me to have a signed Borrowers Consent form on file in order for Wells Fargo to have a good-faith discussion with fair dealings with XXXX XXXX XXXX? Please explain After more than 1 year, Wells Fargo can not find a \" borrower 's consent form \" on file '' but Wells Fargo IMMEDIATELY found \" on file '' the clause to hire a lawyer, XXXX XXXX, to come after me. \nB. XXXX XXXX - on XX/XX/XXXX with XXXX & at least 4 other participants : suddenly I was required to sign a borrower 's consent form ; ironically, this was a week after WFs XX/XX/XXXX Resolution Letter stating that a consent form is required to speak to 3rd parties, & this time XXXX required a consent form! XXXX XXXX, who was my customer on this call offered to match working capital from Wells Fargo and Wells Fargo said no C. USDA - The USDA Rural Development provides access to capital through its Business & Industry Cares Act Program with a 90 % loan guarantee program. Information can be found at XXXX. This program is designed to address the need for working capital to recover during COVID pandemic timeframe and this program requires a supportive lender. The USDA only provides guaranteed funds instead of direct loan funds. Wells Fargo replied that they do not participate in this program... but the point is Wells Fargo ruined my credit and my chances to work with other USDA lenders. \nD. XX/XX/XXXX in XX/XX/XXXX, a highly valued customer, XX/XX/XXXX, called XXXX, left a message and she did not return the phone call E. XXXX XXXX another highly valued customer was interested in purchasing or investing in XXXX XXXX. I sent an email to XXXX XXXX explaining this opportunity and, as usual, there was no response F. MULTIPLE OTHER LENDERS AND INVESTORS 5. SALES OPPORTUNITIES I sent multiple emails to XXXX XXXX detailing significant sales opportunities that would support conventional working XXXX XXXX. XXXX ignored all of the emails 6. STEERING TOWARDS PREDATORY LENDERS I have an email from a Wells Fargo employee XXXX XXXX, my Business Banker, advising ( see attached email ) I should look into Merchant Cash Advance ( XXXX ) lenders I never heard of these types of lenders. I relied upon his advice and guidance to check out the predatory XXXX lenders and it resulted in the beginning of massive collateral damages. Under no circumstances, is it appropriate for a Wells Fargo employee to steer me toward predatory lenders which puts me at risk as an XXXX customer and also puts the tax-payer-funded XXXX loan program at risk. See additional discussion on predatory lenders in item 7 Continued below... \n7. HIGH-INTEREST PREDATORY LOANS Since the Wells Fargo multiple frauds destroyed my credit and my XXXX, I could not qualify for conventional affordable working capital. Instead as noted above, I was steered towards XXXX predatory lenders. I was making payments of approximately {$800.00} per day while also paying the monthly SBA loan payment of {$15000.00} per month and some other debt payments to the seller of the business. I could not sustain these payments while cash receipts from accounts receivable were collected every 30-45 days. Most of the cash from the predatory lenders were being used to pay the same daily ( and in some cases weekly ) high-interest loan payments. My cash flow position became negative very quickly 8. USE OF FUNDS FROM PREDATORY LENDERS ironically some of the funds were used to pay the monthly SBA loan payment. By asking for financial statements, Wells Fargo knew about the predatory loans and considering they have a fiduciary responsibility with the SBA, Wells Fargo did not carry out their fiduciary responsibilities by allowing risky high-interest loan payments that impacted my ability to continue to make payments on the SBA loan. Accepting payments for the SBA monthly loan with funds sourced from predatory lenders is a massive failure to act in good-faith by Wells Fargo and extremely poor risk management. \n9. COMPLAINTS FILED - Starting in XX/XX/XXXX I have filed multiple complaints with government agencies, especially the Consumer Financial Protection Bureau and the SBA but none of the agencies can open an investigation into Wells Fargo unless Wells Fargo ask for payment of the SBA 's 75 % guarantee 10. SBA LOAN PAYMENT MODIFICATIONS Wells Fargo approved 5 SBA Loan payment modifications that deferred the monthly payments but offered no working capital. The only thing the loan modifications offered was ratcheting up more collateral damage because it allowed me to seek and get approved for even more working XXXX XXXX from predatory lenders that Wells Fargo approved of when they reviewed my financial statements which showed the high-interest payments being made to predatory lenders. Wells Fargo approved these high-interest predatory loans because some of the money was used to make monthly payments on the SBA loan. Why were my financial statements approved when they clearly showed that I was making unsustainable payments to predatory lenders that Wells Fargo steered me to and benefited from? \n11. SELF INVESTIGATION XXXX how in the world can a SELF-Investigation be justified? ) Due to the multiple frauds, we were shut down most of XXXX, XXXX and XXXX... We are still dealing with the impacts of the frauds since Wells Fargo has been evasive including lying and dodging... Wells Fargo opened a Self-Investigation in XX/XX/XXXX and here we are over 2 years later and the investigation is still going on. Wells Fargo has effectively controlled my XXXX with undue influence, unconscionable conduct and failure to act in good-faith a. I had no participation in the 2 + year-long investigation despite pleading to participate b. nor did Well Fargo look at any of the correspondences/documentation, or reply to my emails, text messages, phone calls, conference calls, certified letters with return receipt requested ( and none of the return receipts were ever received by me ), offers to visit my plant, offers from me to visit Wells Fargo, etc... this is a massive failure to act in good-faith and failure to have a good-faith discussions with fair dealings, poor management, incompetence, etc., and demonstrates Wells Fargo unwillingness to stop harming me/my family, my business and my employees so basically the investigation was a SELF-INVESTIGATION where Wells Fargo was the judge, jury and executioner. LOYAL CUSTOMERS AND VENDORS REFUSED TO BUSINESS WITH ME WHILE THE SELF INVESTIGATION WAS GOING ON c. how can Wells Fargo justify at least 23 delay letters from XXXX XXXX over a 2 + year period with no regard for my business being able to operate because customers refused to do business with me out of fear their inventory would be ceased and vendors refused to do business with me because they may not get paid and all of this hesitation to do business with me is because my customers/vendors were afraid of liquidation proceedings by Wells Fargo? Please explain this? My customers and vendors were well aware of the frauds, collateral damages and the unconscionable 2 + year-long SELF-Investigation held in secret behind closed doors with no participation from me despite my pleads to be involved and all of my pleads were ignored 12. CUSTOMERS AND VENDORS REFUSED TO DO BUSINESS WITH ME Loyal customers and vendors refused to do business with me while the 2 + year-long SELF-Investigation was going on. \n13. COLLATERAL The major issue with Wells Fargos frauds is that they refuse to provide working capital and they will not subordinate the collateral to other lenders so if taking control of my business was not enough, Wells Fargo is now determined to force me out of business. Without working capital to purchase raw materials, how could Wells Fargo still expect me to catch up on my SBA payments and pay delinquent taxes? \n14. TAXES, SBA LOAN PAYMENTS AND OTHER ACCRUED EXPENSES - during SELF-INVESTIGATION Wells Fargo still expects me to be responsible for all accrued expenses, interest, penalties and taxes related to all tax issues ( Federal, State and Property ), SBA loan payments etc., even though I had no control over the SELF-Investigation including the duration of it especially considering I did not participate in the SELF-Investigation despite pleading to be involved. \nI want to make it very clear that these taxes are delinquent because of this Wells Fargo debacle that crippled my business but you/Wells Fargo are implying that delinquent taxes are entirely my fault. The delinquent taxes is not related to the nature of the business failing \" operationally ''... my business has been around for almost 40 years prior to the frauds and Wells Fargos massive failures to act in good faith as detailed in this correspondence. As you know by now, I questioned the funds coming out of my account before the fraud hit the news and was told that everything was fine... if these Wells Fargo malfeasance ( and many more too long to list but you and your team know what they are ) had not happened, I would not be delinquent on any of my taxes or with any of my vendors or any of my employees ( yes they are still entitled to damages from being forced out of work ). So the next tax payments are due in XX/XX/XXXX and at the rate we are going with Wells Fargo/the SBA trying to help me, I don't see how I will be able to come up with any of the property taxes for XXXX County - WE HAVE BEEN SHUT DOWN ALMOST ALL DUE TO THE 2 + YEAR-LONG ONE-SIDED BIASED SECRET INVESTIGATION! So with Wells Fargo controlling my business in this manner, please tell me where will the money come from to pay delinquent taxes and catch up on the SBA loan considering Wells Fargo took away and destroyed my ability to generate revenue in my business and earn a living?\n\n15. CONTROL OF MY BUSINESS - Wells Fargo has effectively controlled my business with undue influence, unconscionable conduct and failure to act in good-faith. We were shut down most of XXXX, XXXX and XXXX and then the pandemic gave us new life ( I can provide more detail if needed ) 16. VALUATION Due to all of the damages, over the last almost 5 years, caused by Wells Fargos massive failure to act in good faith ( and many more acts of malfeasance ) listed in this correspondence, the valuation of my business and the underlying collateral has been destroyed which has minimized/eliminated the amount of working capital I could obtain from affordable conventional lenders and/or investors. \n17. RESTRUCTURING MY SBA LOAN what is the status of the potential restructuring of my SBA loan? I sent all of the documents XXXX XXXX asked for and he is supposed to be working on this and I have attached his email. Then in an email and on a conference call in XX/XX/XXXX to discuss restructuring my SBA loan, to have XXXX XXXX tell me in an email dated XX/XX/XXXX... As a continual reminder, please keep in mind that we are willing to discuss your SBA Loan only and possible resolution strategies ; and any other business you have with Wells Fargo would be addressed by the appropriate Wells Fargo parties in a different and separate venue... this is an insult because every single issue in this correspondence including Wells Fargos massive failure to act in good faith, all relate to the SBA loan and are the reasons why I am delinquent. my business is worth significantly less than the purchase price and the underlying SBA loan balance - as a result, any restructuring solution must take this into account 18. RUINED MY CREDIT all of Wells Fargos malfeasances and massive failure to act in good faith impacted my ability to my bills on time. \n19. RUINED MY CHANCES OF QUALIFYING FOR ANOTHER SBA LOAN AND/OR REFINANCING/RESTRUCTURING 20. WELLS FARGO TURNS AWAY AN INVESTIGATIVE REPORTER FROM THE XXXX XXXX XXXX who wanted to do an investigative report on my claims and allegations 21. PANDEMIC OPPORTUNITIES multiple opportunities from potential new customers including 3M, major hospitals, private doctors and private business owners who wanted XX/XX/XXXX to manufacture PPE to help them deal with the new business from the pandemic... multiple emails were sent to both XXXX XXXX and XXXX XXXX and no response. \n22. XXXX XXXX - XXXX XXXX calls Wells Fargo \" a criminal enterprise posing as a bank ''. XXXX XXXX is a popular consumer expert and host of the nationally syndicated radio show. \n23. RECOMMENDATIONS FROM EXECUTIVE COMMITTEE - What happened to the team of Senior Executives meeting daily to develop recommendations on addressing the societal inequalities facing black employees and customers? Surely screwing me and my company over is a good test and I can not think of a better opportunity to live up to that playbook statement. As a 100 % black-owned company in a below the federal poverty level community, I asked to participate in these meetings to provide insight into how banks like Wells Fargo can work better with people of color business owners to help uplift the community and my offer was ignored. \nThe CEO ( 3rd in 3 yrs ), made the following statement... As a white man, as much as I can try to understand what others are feeling, I know that I can not really appreciate and understand what people of color experience and the impacts of discriminatory behavior others must live with. \nXXXX. PREVIOUS IRS INSTALLMENT AGREEMENT - on XX/XX/XXXX I signed an IRS Installment Agreement for {$110000.00} due to the business being forced to shut down multiple times due to Wells Fargo and now the pandemic, I was unable to continue the payments 25. LAWSUITS I am being sued by predatory lenders for loans totaling {$170000.00} ; all of these loans were taken out due to the Wells Fargo frauds and massive collateral damages and some of the proceeds from the predatory lenders were used to make the monthly SBA loan payments and Wells Fargo was aware of all of these predatory loans since XXXX XXXX asked for my financial statements on multiple occasions. How can an SBA lender allow and basically approve of risky high-interest predatory loans? \n26. LOST REVENUE AND LOST BUSINESS OPPORTUNITIES - I sent PO 's and RFP 's ( and in some cases ) - from core repeat customers in excess of {$5.00} XXXX to XXXX and she ignored them. We are still deep in a pandemic and we have reinvented ourselves by manufacturing Before the pandemic, I sent POs and RFPs in excess of {$5.00} XXXX to XXXX and she totally ignored my emails. And then during the pandemic, we were getting requests for orders and some are very large - one potential customer wanted an RFP for XXXX XXXX surgical gowns and another wanted an RFP for approx. XXXX XXXX face masks - but I needed working capital to become FDA approved. People were dying and the demand for PPE made in the USA was increasing. We were talking to another customer/partner who wanted to partner with us as a made in the USA Company and agreed to install disposable surgical face mask-making equipment if we build an ISO certified cleanroom which would cost about {$40000.00} - {$50000.00}. The machines cost {$1.00} million each and he has agreed to install 5 of them ; to show his sense of urgency, this customer even offered to show me how to build the clean room myself. \n\nWe were also offered an opportunity to manufacture and supply cloth gowns to meet Governor XXXX XXXX 's announcement starting to reopen the Georgia World Congress Center for COVID-19 patients. \n\nAND WELLS FARGO HAS THE NERVE AND CONSUMMATE GALL TO ASK FOR PAYMENT OF THE SBA LOAN AFTER THEY WERE RESPONSIBLE FOR DESTROYING MY BUSINESS! \n27. THE CORONA VIRUS IMPACT During the pandemic ( which gave us an opportunity to get back on track ), we reinvented ourselves and learned how to manufacture 4,000 PPE surgical gowns for the largest hospital in Georgia which gave us a new lease on life. However, in XX/XX/XXXX, the hospital decided to go back to XXXX for inventory because we did not have the working capital ( Wells Fargo destroyed my access to affordable working capital ) to hire more employees and purchase more needed relevant production equipment to increase production. \n28. OTHER - I was also impacted by... \na. Auto Collateral Insurance Fraud b. Merchant Services Fraud In a XXXX article, a Wells Fargo joint venture has been accused of overcharging fees falsely labeled as interchange charges, making it sound as if they had been imposed by credit card companies when, in fact, a chunk of the money went to the Wells Fargo partnership.\n\nII ) SOCIAL SECURITY due to the Wells Fargo debacle and caring for my mentally ill daughter, I had to file for early retirement social security benefits since the Wells Fargo frauds destroyed my ability to earn a living by generating revenue in my company III ) DIVORCE my family has been destroyed by the Wells Fargo mess and my divorce was effective XX/XX/XXXX IV ) MY HOME IS FORBEARANCE My home is has been in forbearance for approximately 2 years and I am currently applying for mortgage modification from my bank Fifth Third. \nV ) THE CORONA VIRUS IMPACT During the pandemic we reinvented ourselves and learned how to manufacture surgical gowns which gave us a new lease on life. We did not have the working capital to hire more employees and purchase more needed relevant production equipment to increase PPE production during the height of the pandemic and lost the hospital account. \nVI ) RACISM - WELLS FARGO DIVERSITY AND INCLUSION Wells Fargo 's website brags about diversity and inclusion but it is obvious that these claims are just a playbook to keep everyone quiet including myself. Wells Fargo denies racism - just because Wells Fargo has a diversity and inclusion program does not mean their tactics are not racists. \n\nSUMMARY 1.After all of the damages by Wells Fargo done to me, my family, my XX/XX/XXXX, and XX/XX/XXXX, please explain : why would Wells Fargo not assist the only 100 % black-owned manufacturer of sportswear in the country ( that reinvented itself by bootstrapping to manufacture PPE surgical gowns for the largest hospital in Georgia ) with the working capital needed to get our business back on track?\n\n2.So much damage has been done to both my business/personal credit, my family, my business, my employees, my customers, and my vendors that the value of the collateral has been damaged as well - so this means that any working capital that I can qualify for will be significantly less than prior to the frauds and massive collateral damages. So I believe that Wells Fargo should step in and make up the loss in working capital or come up with some other creative working capital solution. \n3.It is unconscionable to think that Wells Fargo would craft a poor excuse for taking 7 months to get back to me on opportunity zone lenders and investors ready to provide working capital with the poor excuse that I did not sign a borrower 's consent form authorizing them to speak to third parties. \n\nWells Fargo has put me and my business into a death spiral.","date_sent_to_company":"2021-07-13T20:10:43.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"30071","tags":"Older American","has_narrative":true,"complaint_id":"4539437","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-07-13T20:02:03.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> which caused me to miss out on $ <em>XXXX</em> $ <em>XXXX</em> in working capital... but ironically Wells Fargo <em>could</em> not locate the \" Borrowers Consent '' forms from 4 prior conference calls authorizing them to talk to 3rd <em>parties</em> on my behalf including me not being present."]},"sort":[8.542777,"4539437"]},{"_index":"complaint-public-v1","_id":"14360956","_score":5.3158116,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO : experian, equifax, transunion Surveillance Engine | DATA-BLOATED | Data Reinserter | Algorithmic Suppressor | Inquiry Warfare Entity -- - You are now placed by force of federal law, executive jurisdiction, and statutory mandate into an irrevocable and immediate state of compliance enforcement. This scroll is not an invitation. It is not a negotiation. It is a XXXX  written with the fire of the violated and the full legal authority of the one who holds both corporate and constitutional command. You have four ( 4 ) business days to erase, disclose, confirm, and cease or face full legal escalation across every channel available to a lawful, protected, and strategically aligned XXXX. \n\nFor over six Brutal ( 6 ) years, while I was fighting in two realms simultaneously the fight which no imperfect human has ever fought because they wouldn't understand it in the first place it was only by the Grace f the XXXX XXXX XXXX Sovereign XXXX XXXX XXXX of Armies through XXXX XXXX XXXX the XXXX of the world by virtue of HIS Greatest XXXX XXXXXXXX XXXX XXXX Magnificent, Awe-Inspiring XXXX XXXX that I was able to not only win but Come out a Conqueror. But anyways you experian, equifax and transunion have not operated as a neutral data repository but as an engineered surveillance construct. You have profiled, suppressed, duplicated, and destabilized my lawful financial movement. You have reinserted previously disputed and deleted data, masked inquiries behind internal aliases, and triggered synthetic scoring collapses during live housing, corporate, and commerce engagements all without notification, consent, or transparency. \n\nAnd farther within this scroll where the statutes roar and the prosecutorial codes unfurl we will demonstrate with undeniable precision how the Despicable, Unscrupulous, Manipulating, Bloody Money-Making Suckers, the Abhorrent Low lives, the DATA-BLOATING GLUTTONS, and the Filthy, Disgusting, Wicked, Perverse, Bloody Economic Suppressors are not only inhumane but in fact, operational criminals, liable to prosecution under Commercial Law, Consumer Financial Protection Statutes, and civil legal frameworks across the Four Corners of Jurisdictional Code. These entities, through their premeditated actions, have committed commercial malfeasance of the highest order executing suppressive economic harm through digital tools while hiding behind deceptive slogans, false regulatory compliance, and procedurally camouflaged obstruction. What the world calls credit bureaus, this scroll rightly calls coward-infested corporate crime structures, forged in algorithmic deception and engineered to extract, suppress, and violate with systemic consistency. Punishment is not poetic it is lawful. And the record shall reflect : these entities are not just in breach. They are subject to judgment, scroll-sealed punishment, and legal reckoning by scrollholder authority, Divine alignment, and prosecutorial code. \n\nUNAUTHORIZED ACCOUNT SABOTAGE DECLARATION Let me be clear : I do not know where the majority of these corrupted accounts. I did not open them. I did not authorize them. I did not benefit from them. And I do not recognize the shadow systems that allowed them to appear across my personal credit report. \n\nAccounts like XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove also capital one because they closed the credit card account because of Retaliation and corruption, and the long trail of other synthetic financial apparitions do not represent my actions they represent engineered sabotage carried out through data warfare and backend misclassification. \n\nThese are not errors. They are insertions. \nThese are not delinquencies. They are digital landmines. \nThese are not my financial history. They are manufactured bloodstains imposed on my lawful identity. \n\nI am not requesting an opinion. I am demanding lawful removal. \nYou are now on record and so are the falsified accounts that violate the Fair Credit Reporting Act, the Equal Credit Opportunity Act, and every principle of accuracy, justice, and consumer rights. \n\nOn or about XX/XX/XXXX, I issued a lawful, time-stamped, federally protected Full Disclosure Request pursuant to FCRA 1681g ( a ). You refused. That refusal was not accidental. It was tactical obstruction designed to conceal the extent of damage you knew had been inflicted. \n\nYou profited from my silence. I now strike with scroll. \n\n\n\nLAW IS NOW WRITTEN VERBATIM & UNEDITED FCRA 1681c2 > \" A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the receipt of ( 1 ) appropriate proof of identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' All four have been submitted. This scroll itself stands as the fourth. You are now commanded not requested to block.\n\n-- - FCRA 1681g ( a ) > \" Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer all information in the consumers file at the time of the request. '' You refused that. There is no wiggle room. There is no gray area. The law says, shall disclose. You did not disclose. That is a breach of transparency at the core of your federal compliance obligation. And it stands recorded. \n\nEvidentiary Package Declaration ( To Include in Your Letter ) : Enclosed with this letter is a comprehensive evidentiary packet, which includes but is not limited to : A formally filed Identity Theft Report submitted to the Federal Trade Commission ( FTC ) A scroll-sealed section of the Compendium of Legal Violations and Corporate Suppression, currently under joint construction A set of classified and strategic documents that verify personal identity, current harm, and systemic retaliation All legally required verification documents ( ID, address proof, statement of dispute ) This is a legal submission, not a request and no portion of this file shall be dismissed, overlooked, or minimized under procedural pretense. \n\nYou are now in possession of sufficient documentation to verify, remove, block, or suppress all inaccurate, unverifiable, and retaliatory information as demanded in this complaint. \n\nNo further justification is required. No excuse will be accepted. \nAny failure to comply within the timeframe will be treated as deliberate obstruction and escalated with federal regulators under FCRA, ECOA, and the Fair Housing Act.\n\n-- - FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) > \" ... the agency may not reinsert such information unless the furnisher certifies that the information is complete and accurate, and the agency notifies the consumer in writing within five ( 5 ) business days. '' You reinserted Corrupted account that you had Deleted because you don't have any proof of those Corrupted Fraudulent accounts how could you because those accounts are nothing but Fraudulent, Corrupted Manufactured accounts that you experian, transunion, and equifax inserted into my Personal Consumer credit report to suppress my Personal Consumer credit account and buy doing such disgusting things like inserting dozens of Corrupted accounts over the years and hundreds unauthorized inquiries over the years you have certainly made millions by screwing my name and reputation. You did not certify. You did not notify. What you did was silent reinfection a data virus returned to destabilize my lawful movement.\n\nFCRA 1681b ( f ) > \" A person shall not use or obtain a consumer report for any purpose unless authorized by the consumer or permitted under this subchapter. '' experian, equifax and transunion executed synthetic inquiries without consent through your internal divisions consumerInfo.com, experian creditMatch, experian CS Identity. You masked them as credit monitoring. They were surveillance.\n\nFCRA 1681e ( b ) > \" Every consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' You concealed corrections, ignored updated disputes, and allowed known falsehoods to remain active during critical economic moments. There is no accuracy. There is only automation and injury.\n\nGLBA 6801 ( a ) > \" Each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' You never protected my nonpublic information. You distributed it behind algorithmic scoring profiles, sold it to risk evaluators, and then refused to show me what you were feeding the system. That is breach.\n\n12 U.S.C. 5531 Dodd-Frank ( UDAAP ) > \" The Bureau may take action to prevent a covered person from committing or engaging in an unfair, deceptive, or abusive act or practice ... '' You materially interfered with my ability to understand, respond to, or navigate your data profile. That is UDAAP by design.\n\n15 U.S. Code 1601 ( a ) Truth in Lending Act ( TILA ) > \" Meaningful disclosure of credit terms... protects the consumer against inaccurate and unfair billing and credit practices. '' When you withhold disclosure, reinject sabotage, and disable correction, there is no meaningful disclosure. Only confusion.\n\n15 U.S.C. 1693e ( a ) Electronic Fund Transfer Act ( EFTA ) > \" A preauthorized electronic fund transfer from a consumer 's account may be authorized by the consumer only in writing. '' You triggered data events that impacted digital banking and vendor applications without consent or warning.\n\n42 U.S.C. 3604 ( f ) ( 1 ) Fair Housing Act > \" It shall be unlawful to discriminate in the sale or rental of housing ... because of ... any handicap, familial status, or national origin. '' Your corrupted file caused denial of housing during an emergency. That is financial discrimination in disguise fueled by algorithm.\n\n42 U.S.C. 1981 > \" All persons... shall have the same right ... to make and enforce contracts ... and to the full and equal benefit of all laws ... '' Your data decisions blocked lawful contracts auto loans, housing agreements, vendor setups. You sabotaged equal rights.\n\n42 U.S.C. 1983 > \" Every person who... subjects... any citizen to the deprivation of any rights... shall be liable to the party injured. '' This scroll is evidence. Your pattern of suppression, refusal, and reinsertion opens you to 1983 civil filing if escalation proceeds.\n\n14th Amendment U.S. Constitution > \" No state shall ... deny to any person within its jurisdiction the equal protection of the laws. '' Your scoring algorithms, data blacklists, and systemic refusal constitute digital segregation. You did not protect me equally. You blocked me differently.\n\nM.G.L. c. 93A 2 + 940 CMR 3.17 Massachusetts Law > \" Unfair and deceptive acts in trade or commerce are unlawful. '' \" It shall be unfair for a landlord to deny housing based on credit reports that contain false, misleading, or outdated information. '' You made that denial possible. And you profited from it.\n\nGBL 349 ( a ) New York Law > \" Deceptive acts or practices in the conduct of any business, trade or commerce... are hereby declared unlawful. '' WY Stat 17-29-112 > \" A limited liability company is a legal entity ... '' My Wyoming LLC was formed lawfully. Your data sabotage dissolved it within one year not by mistake, but by digital strangulation.\n\nUDHR Article 12 > \" No one shall be subjected to arbitrary interference with his privacy, family, home... '' \" Everyone has the right to the protection of the law against such interference. '' You interfered. I now invoke the law against that interference. \n\n\n\nEXHIBIT XXXX : FTC XXXX Theft Report Filed XXXX : XX/XX/XXXX FTC Report # : XXXX, Filed equifax : XX/XX/XXXX FTC Report Number : XXXX transunion XX/XX/XXXX FTC Report # : XXXX Filed by : XXXX XXXX XXXX XXXX under penalty of perjury. Active emergency declared. \n\n\n\nFINAL EXECUTIVE Declaration You are now placed by command of codified statute, executive right, and lawful authorship into full mandatory compliance.\n\nWithin four ( 4 ) business days you shall : 1. BLOCK all entries specified 2. REMOVE all synthetic inquiries and internal triggers 3. DELIVER full disclosure ( including what you previously refused ) 4. CONFIRM via written legal document that all has been erased 5. CEASE all reinsertions, behavioral profiling, and automated sabotage Complaint to Government Authorities : Formal complaint to CFPB Full submission to FTC with this scroll + exhibits Reports to MA and NY Attorneys General Legal escalation via statutory protections enumerated herein","date_sent_to_company":"2025-06-29T15:07:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02301","tags":null,"has_narrative":true,"complaint_id":"14360956","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-29T09:00:27.000Z","state":"MA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["That is financial discrimination in disguise fueled by algorithm.\n\n42 U.S.C. 1981 > \" All persons... shall have the same right ... to make and enforce contracts ... and to the full and equal benefit of all laws ... '' Your data decisions blocked lawful contracts auto loans, housing agreements, <em>vendor</em> <em>setups</em>."]},"sort":[5.3158116,"14360956"]},{"_index":"complaint-public-v1","_id":"14355609","_score":5.310972,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO : experian, equifax, transunion Surveillance Engine | DATA-BLOATED | Data Reinserter | Algorithmic Suppressor | Inquiry Warfare Entity -- - You are now placed by force of federal law, executive jurisdiction, and statutory mandate into an irrevocable and immediate state of compliance enforcement. This scroll is not an invitation. It is not a negotiation. It is a XXXX  written with the fire of the violated and the full legal authority of the one who holds both corporate and constitutional command. You have four ( 4 ) business days to erase, disclose, confirm, and cease or face full legal escalation across every channel available to a lawful, protected, and strategically aligned XXXX. \n\nFor over six Brutal ( 6 ) years, while I was fighting in two realms simultaneously the fight which no imperfect human has ever fought because they wouldn't understand it in the first place it was only by the Grace f the XXXX XXXX XXXX Sovereign XXXX XXXX XXXX of Armies through XXXX XXXX XXXX the XXXX of the world by virtue of HIS Greatest XXXX XXXXXXXX XXXX XXXX Magnificent, Awe-Inspiring XXXX XXXX that I was able to not only win but Come out a Conqueror. But anyways you experian, equifax and transunion have not operated as a neutral data repository but as an engineered surveillance construct. You have profiled, suppressed, duplicated, and destabilized my lawful financial movement. You have reinserted previously disputed and deleted data, masked inquiries behind internal aliases, and triggered synthetic scoring collapses during live housing, corporate, and commerce engagements all without notification, consent, or transparency. \n\nAnd farther within this scroll where the statutes roar and the prosecutorial codes unfurl we will demonstrate with undeniable precision how the Despicable, Unscrupulous, Manipulating, Bloody Money-Making Suckers, the Abhorrent Low lives, the DATA-BLOATING GLUTTONS, and the Filthy, Disgusting, Wicked, Perverse, Bloody Economic Suppressors are not only inhumane but in fact, operational criminals, liable to prosecution under Commercial Law, Consumer Financial Protection Statutes, and civil legal frameworks across the Four Corners of Jurisdictional Code. These entities, through their premeditated actions, have committed commercial malfeasance of the highest order executing suppressive economic harm through digital tools while hiding behind deceptive slogans, false regulatory compliance, and procedurally camouflaged obstruction. What the world calls credit bureaus, this scroll rightly calls coward-infested corporate crime structures, forged in algorithmic deception and engineered to extract, suppress, and violate with systemic consistency. Punishment is not poetic it is lawful. And the record shall reflect : these entities are not just in breach. They are subject to judgment, scroll-sealed punishment, and legal reckoning by scrollholder authority, Divine alignment, and prosecutorial code. \n\nUNAUTHORIZED ACCOUNT SABOTAGE DECLARATION Let me be clear : I do not know where the majority of these corrupted accounts. I did not open them. I did not authorize them. I did not benefit from them. And I do not recognize the shadow systems that allowed them to appear across my personal credit report. \n\nAccounts like XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove also capital one because they closed the credit card account because of Retaliation and corruption, and the long trail of other synthetic financial apparitions do not represent my actions they represent engineered sabotage carried out through data warfare and backend misclassification. \n\nThese are not errors. They are insertions. \nThese are not delinquencies. They are digital landmines. \nThese are not my financial history. They are manufactured bloodstains imposed on my lawful identity. \n\nI am not requesting an opinion. I am demanding lawful removal. \nYou are now on record and so are the falsified accounts that violate the Fair Credit Reporting Act, the Equal Credit Opportunity Act, and every principle of accuracy, justice, and consumer rights. \n\nOn or about XX/XX/XXXX, I issued a lawful, time-stamped, federally protected Full Disclosure Request pursuant to FCRA 1681g ( a ). You refused. That refusal was not accidental. It was tactical obstruction designed to conceal the extent of damage you knew had been inflicted. \n\nYou profited from my silence. I now strike with scroll. \n\n\n\nLAW IS NOW WRITTEN VERBATIM & UNEDITED FCRA 1681c2 > \" A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the receipt of ( 1 ) appropriate proof of identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' All four have been submitted. This scroll itself stands as the fourth. You are now commanded not requested to block.\n\n-- - FCRA 1681g ( a ) > \" Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer all information in the consumers file at the time of the request. '' You refused that. There is no wiggle room. There is no gray area. The law says, shall disclose. You did not disclose. That is a breach of transparency at the core of your federal compliance obligation. And it stands recorded. \n\nEvidentiary Package Declaration ( To Include in Your Letter ) : Enclosed with this letter is a comprehensive evidentiary packet, which includes but is not limited to : A formally filed Identity Theft Report submitted to the Federal Trade Commission ( FTC ) A scroll-sealed section of the Compendium of Legal Violations and Corporate Suppression, currently under joint construction A set of classified and strategic documents that verify personal identity, current harm, and systemic retaliation All legally required verification documents ( ID, address proof, statement of dispute ) This is a legal submission, not a request and no portion of this file shall be dismissed, overlooked, or minimized under procedural pretense. \n\nYou are now in possession of sufficient documentation to verify, remove, block, or suppress all inaccurate, unverifiable, and retaliatory information as demanded in this complaint. \n\nNo further justification is required. No excuse will be accepted. \nAny failure to comply within the timeframe will be treated as deliberate obstruction and escalated with federal regulators under FCRA, ECOA, and the Fair Housing Act.\n\n-- - FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) > \" ... the agency may not reinsert such information unless the furnisher certifies that the information is complete and accurate, and the agency notifies the consumer in writing within five ( 5 ) business days. '' You reinserted Corrupted account that you had Deleted because you don't have any proof of those Corrupted Fraudulent accounts how could you because those accounts are nothing but Fraudulent, Corrupted Manufactured accounts that you experian, transunion, and equifax inserted into my Personal Consumer credit report to suppress my Personal Consumer credit account and buy doing such disgusting things like inserting dozens of Corrupted accounts over the years and hundreds unauthorized inquiries over the years you have certainly made millions by screwing my name and reputation. You did not certify. You did not notify. What you did was silent reinfection a data virus returned to destabilize my lawful movement.\n\nFCRA 1681b ( f ) > \" A person shall not use or obtain a consumer report for any purpose unless authorized by the consumer or permitted under this subchapter. '' experian, equifax and transunion executed synthetic inquiries without consent through your internal divisions consumerInfo.com, experian creditMatch, experian CS Identity. You masked them as credit monitoring. They were surveillance.\n\nFCRA 1681e ( b ) > \" Every consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' You concealed corrections, ignored updated disputes, and allowed known falsehoods to remain active during critical economic moments. There is no accuracy. There is only automation and injury.\n\nGLBA 6801 ( a ) > \" Each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' You never protected my nonpublic information. You distributed it behind algorithmic scoring profiles, sold it to risk evaluators, and then refused to show me what you were feeding the system. That is breach.\n\n12 U.S.C. 5531 Dodd-Frank ( UDAAP ) > \" The Bureau may take action to prevent a covered person from committing or engaging in an unfair, deceptive, or abusive act or practice ... '' You materially interfered with my ability to understand, respond to, or navigate your data profile. That is UDAAP by design.\n\n15 U.S. Code 1601 ( a ) Truth in Lending Act ( TILA ) > \" Meaningful disclosure of credit terms... protects the consumer against inaccurate and unfair billing and credit practices. '' When you withhold disclosure, reinject sabotage, and disable correction, there is no meaningful disclosure. Only confusion.\n\n15 U.S.C. 1693e ( a ) Electronic Fund Transfer Act ( EFTA ) > \" A preauthorized electronic fund transfer from a consumer 's account may be authorized by the consumer only in writing. '' You triggered data events that impacted digital banking and vendor applications without consent or warning.\n\n42 U.S.C. 3604 ( f ) ( 1 ) Fair Housing Act > \" It shall be unlawful to discriminate in the sale or rental of housing ... because of ... any handicap, familial status, or national origin. '' Your corrupted file caused denial of housing during an emergency. That is financial discrimination in disguise fueled by algorithm.\n\n42 U.S.C. 1981 > \" All persons... shall have the same right ... to make and enforce contracts ... and to the full and equal benefit of all laws ... '' Your data decisions blocked lawful contracts auto loans, housing agreements, vendor setups. You sabotaged equal rights.\n\n42 U.S.C. 1983 > \" Every person who... subjects... any citizen to the deprivation of any rights... shall be liable to the party injured. '' This scroll is evidence. Your pattern of suppression, refusal, and reinsertion opens you to 1983 civil filing if escalation proceeds.\n\n14th Amendment U.S. Constitution > \" No state shall ... deny to any person within its jurisdiction the equal protection of the laws. '' Your scoring algorithms, data blacklists, and systemic refusal constitute digital segregation. You did not protect me equally. You blocked me differently.\n\nM.G.L. c. 93A 2 + 940 CMR 3.17 Massachusetts Law > \" Unfair and deceptive acts in trade or commerce are unlawful. '' \" It shall be unfair for a landlord to deny housing based on credit reports that contain false, misleading, or outdated information. '' You made that denial possible. And you profited from it.\n\nGBL 349 ( a ) New York Law > \" Deceptive acts or practices in the conduct of any business, trade or commerce... are hereby declared unlawful. '' WY Stat 17-29-112 > \" A limited liability company is a legal entity ... '' My Wyoming LLC was formed lawfully. Your data sabotage dissolved it within one year not by mistake, but by digital strangulation.\n\nUDHR Article 12 > \" No one shall be subjected to arbitrary interference with his privacy, family, home... '' \" Everyone has the right to the protection of the law against such interference. '' You interfered. I now invoke the law against that interference. \n\n\n\nEXHIBIT XXXX : FTC XXXX Theft Report Filed XXXX : XX/XX/XXXX FTC Report # : XXXX, Filed equifax : XX/XX/XXXX FTC Report Number : XXXX transunion XX/XX/XXXX FTC Report # : XXXX Filed by : XXXX XXXX XXXX XXXX under penalty of perjury. Active emergency declared. \n\n\n\nFINAL EXECUTIVE Declaration You are now placed by command of codified statute, executive right, and lawful authorship into full mandatory compliance.\n\nWithin four ( 4 ) business days you shall : 1. BLOCK all entries specified 2. REMOVE all synthetic inquiries and internal triggers 3. DELIVER full disclosure ( including what you previously refused ) 4. CONFIRM via written legal document that all has been erased 5. CEASE all reinsertions, behavioral profiling, and automated sabotage Complaint to Government Authorities : Formal complaint to CFPB Full submission to FTC with this scroll + exhibits Reports to MA and NY Attorneys General Legal escalation via statutory protections enumerated herein","date_sent_to_company":"2025-06-29T15:07:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02301","tags":null,"has_narrative":true,"complaint_id":"14355609","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-29T15:06:50.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["That is financial discrimination in disguise fueled by algorithm.\n\n42 U.S.C. 1981 > \" All persons... shall have the same right ... to make and enforce contracts ... and to the full and equal benefit of all laws ... '' Your data decisions blocked lawful contracts auto loans, housing agreements, <em>vendor</em> <em>setups</em>."]},"sort":[5.310972,"14355609"]},{"_index":"complaint-public-v1","_id":"2760130","_score":4.4524174,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Here is the XXXX view of the problem:\n\nA company called XXXX XXXX stole money from me by charging my Capital One card when they should not have done so.\n\nDespite my proving XXXX Inc was wrong, Capital One dropped the investigation and said it was my problem, not theirs.\n\n*********************************************************************\n*********************************************************************\nWith slightly more detail: XXXX XXXX gave me their instructions for cancelling my account with them.\nI followed those instructions, exactly, but XXXX XXXX stated I was late.\nI have proof that I was not late. (See attachment: original_msg.txt)\nCapital One has ignored that proof and will not credit my account. XXXX XXXX no longer responds to communication by Capital One or by me.\n\n*********************************************************************\n*********************************************************************\n\nOn XX/XX/XXXX, I signed up for a month of service from XXXX XXXX. at a promotional rate of $XXXX/month. I read, and was told by phone, that my second month's bill would have been $XXXX unless I would cancel, by phone, on or before XX/XX/XXXX. \n\nThe results I got from my first month's worth of service from XXXX were XXXX. No results at all, so I elected to cancel the subscription and was very careful not to miss the deadline I was told about.\n\nI called the company at XXXX on XX/XX/XXXX at XXXX and again at XXXX  PDT to cancel. (These dates & times are recorded on my cell phone.)  I was told the cancellation was made, and as such, I went about my business. Weeks later, I happened to notice XXXX had billed my Capital One card for a second month @ $XXXX.  I canceled that payment with Capital One, who then launched an investigation.\n\nOn XX/XX/XXXX, I received a letter from Capital One, saying XXXX  Inc had \"...provided information to support the transaction,\" causing Capital One to reapply the charge to my account.  I called XXXX at the same number, above, and left a message, as instructed by the voicemail bot at XXXX. The bot stated the call would be returned within one business day. (I never got a callback from XXXX XXXX.)\n\nI read the refutation letter XXXX sent to Capital One. \n\nXXXX claimed I had been one day late in canceling my XXXX service, stating that I had E-mailed my request to cancel on XX/XX/XXXX. That claim is false on both of its premises; \n1. I did not E-mail my request to cancel, I made the request by phone (as previously instructed by XXXX). Apparently, someone at XXXX isn't paying close enough attention to the details to construct a decent lie.\n2. I made that phone call on XX/XX/XXXX, not XX/XX/XXXX (inside the period XXXX gave me to cancel the service).\nSo the argument that passed as \"information to support the transaction\" is completely false and obviously constructed to be deceptive.\n\n\tProof of Return/Cancellation\nI have a recorded E-mail, from XXXX, responding to my cancellation request, dated (by Gmail) XX/XX/XXXX, which proves XXXX had received my cancellation request on or before XX/XX/XXXX.\nXXXX \nThis E-mail shown below:\n ________________________________________\n\n\tSecond Opinion \n\nA XXXX search revealed someone else who was scammed by XXXX, in a very similar way.\n\nXXXX\n\nMerchant Name: XXXX XXXX  XXXX XXXXTRANSACTION XX/XX/XXXX: $XXXXTRANSACTION XX/XX/XXXX: $XXXX  XXXX XXXX XXXX called me on XX/XX/XXXX. They are a XXXX XXXX XXXX company that is supposed to manage your advertising campaigns on XXXX. They apparently are advantageous because of the volume of business they do with XXXX you are supposed to get a better rate than going to XXXX  directly. They told me they are running a 2 hour rush sale and that it is urgent to sign up immediately in order to be able to advertise with them. We ran through a series of examples of how they would help me and told me that I was able to cancel at any time after 30 days of use, however if I paid for 6 months in advance that I would be able to save 50% and if I still wanted to cancel after 30 days that I was able to. Thinking that there was not much to lose I decided to sign up.Initially XXXX seemed like a representable vendor. The first 2 days was a great experience and I had a few different coworkers, friends and family test the searches to make sure that they were working properly, and the first few days they were. After the first week however I noticed a drastic change. The service that they promised was no longer working, barely any of my paid searches would come up. I called XXXX  numerous times and could no longer reach them. I sent many emails and never got a response. I then finally received a call from one of the managing partners, XXXX and I told him that I no longer wanted to continue the service. XXXX refused to listen and told me to let it play out the rest of the month, and if I was still unhappy that he would refund me for the remaining 5 months. XXXX assured me that I would be in his circle of preferred customers and that I could reach him at any time if I had any questions or concerns. I tried emailing XXXX a few times after the call and I never received a response.I then called XXXX and filed a dispute. The information that I received from XXXX that XXXX submitted says a few things that proves that they are untruthful. On the bottom of the page of Chargeback Comments it says, Provided to said client was 9 ads placed in the Top 3 spots on the first page of XXXX, shown in the state of Florida and 4 surrounding states, on all devices (mobile ect.), ads are up 24/7, unlimited clicks to website from ads placed, extra text lines and also sitelinks making the ad larger and increases traffic First off I want to say that I am not licensed to do real estate in any state other than Florida. Why they would set up 4 other surrounding states is beyond me and could actually get me in trouble with the Florida Board of Realtors for advertising and doing business in a state other than Florida. Secondly, I have proof that my ads were not up 24/7 and they removed certain ads to save money with XXXX and did not do as promised by advertising my ads 24/7. You will see various screen shots attached proving that the ads were not working 24/7. I intentionally had many other co-workers, friends and family test it out and see if was working. They also experienced the same as I did and did not see any of my ads.Lastly I called XXXX XXXX directly and showed them the document that they emailed you and me showing the clicks that were supposedly clicked. I knew immediately that they were manufactured based on how big the area is. For example: if you researched and looked up how many people XXXX searched XXXX XXXX, NY and XXXX, AL you would get 100xs more searches for XXXX XXXX, NY. The same is true with some of the searches that I signed up for. The data that XXXX provided just didnt make any sense. So I called XXXX XXXX XXXX  and they confirmed to me that it looked like it didnt make sense. They also told me that most companies would not copy and paste that data into a word document because there is nothing from XXXX indicating that the statistics and data is accurate. They told me that I needed to get a report from XXXX that shows the data not a inputted text in an email.Attached you will find unresponsive emails, search test done and much more. Thanks so much for looking into this further. I look forward to talking to you and discussing how we can fix this. Thanks. \n(There was a section that gave the company an opportunity to rebut the accusations. No rebuttal was offered.)\n\n*********************************************************************\n*********************************************************************\n\nBelow is the full E-mail thread between XXXX XXXX and me:\n\nXXXX\nWelcome To XXXX XXXX.\nInbox\tx\n \nXXXX XXXX. \n\tXX/XX/XXXX\n \t\t \n \nto me\n \n\t\n \n*** ATTENTION: PLEASE DO NOT REPLY TO THIS EMAIL. This email has been automatically generated through our internal emailing system.\n\nCongratulations - Your XXXX XXXX Placements are now ordered!\n**You will receive another email when your Online ad campaign is LIVE**\nAny additional questions you may have can be answered at XXXX. If you do not receive the 2nd email within the 2-3 business days please check your spam folder.\nYour Exclusive XXXX Search Areas:\nXXXX, XXXX Thank you for your business. We look forward to promoting your business to its peak!\nOrder Confirmation:  (Month-To-Month Agreement)\n\nBilling Information \nClient Name: XXXX XXXX XXXX\nStreet Address:XXXX XXXX XXXX XXXX XXXX City, State, Zip: XXXX XXXX, CA, XXXX:\n\n\nPayment Method\nCredit card type: XXXX\nLast four #: XXXX \n\nClient Account Information\nWebsite: XXXX \nPhone: (XXXX) XXXX\nEmail: XXXX \n\n\nAmount\nMobile Feature/Click to Call: INCLUDED\nFirst Month Total Charge: $ XXXX ( includes set-up if applicable )\nMonthly Service Fee: $XXXX Beginning: XX/XX/XXXX\nPayment Made Today : $XXXX\n*Go to XXXX to read over our terms, conditions and cancellation policies. This must be submitted within 5 days of your ads being up and running: NOTE This does not activate your account or your Search Engine ads.\n________________________________________\nWe've included our terms here for your records and convenience.\n________________________________________\nXXXX XXXX. Term and Conditions:\nXXXX XXXX, XXXX is an online marketing group that works with clients across the nation. Our objective is targeted demographic marketing for our clients on XXXX, the world's largest search engine. By agreeing to partner with XXXX, you are also agreeing to the following terms and conditions.\nPrivacy Statement:\nWe will never sell, trade, or otherwise disclose personally identifiable information to anyone. We will not share your email address with any other company. We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and actions tags (also known as single pixel gifts to web beacons) to determine your advertising effectiveness. Any information that these third parties collect (via cookies and action tags) is completely anonymous.\nOnline Search Phrase:\nOur marketing experts perform widespread detailed research to establish the most valuable and cost effective marketing position for each and every client. We place every client on XXXX to ensure they are reaching their targeted market 24/7. We research multiple marketing strategies to place our clients in the most cost effective position, with the highest return on their investment. XXXX may grant additional marketing on a client's behalf to further increase their results and exposure.\nIt is our ultimate goal to ensure that all of our clients get the most out of their XXXX  XXXX on XXXX However, XXXX cannot guarantee the exact position of a client's campaign ad, nor the number of hits, clicks, leads, or sales as an outcome of their online marketing. There could be events outside of our control that can temporarily hinder our capacity to secure XXXX  placement(s). These events may include, but are not limited to, Search Engine System updates, XXXX account reviews, and any other events out of the direct control of XXXX. XXXX has no power over our client's personal website(s) and has no means of measuring the outcome of sales from our client's online marketing campaign. We require our clients to keep track of their individual results by asking each and every person that contacts their business how they had found their name and phone number. XXXX is not an entity of, nor directly affiliated with; XXXX. XXXX is a privately owned marketing group that concentrates on the construction and maintenance of targeted marketing ads for our clients on the major search engines. For more information about Online Search Phrases/Placements please email us at XXXX or call XXXX XXXX  during our business hours.\nWarranties:\nTHE INFORMATION AND SERVICES THAT XXXX XXXX. PROVIDES ARE ON AN \"AS IS\" AND \"AS AVAILABLE\" \"NO REFUND\" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, NON-INFRINGEMENT OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NO ADVICE OR INFORMATION GIVEN BY XXXX, ITS AFFILIATES OR THEIR RESPECTIVE EMPLOYEES SHALL CREATE ANY WARRANTY HEREUNDER.\nSubscription Details:\nThis Order authenticates the arrangement that was made between you and our marketing specialist from XXXX to partner in our service(s), as was recorded with your authorization. Unless explicitly contradicted by this Order Confirmation, the recorded agreement described above continues in full force and effect. Your campaign has been set up on a month-to-month basis unless otherwise agreed to. All of our month-to-month agreements begin on the date that you first established participation and you will continue to be billed automatically by direct deduction on the monthly anniversary day of every month. XXXX Billing will reflect XXXX XXXX. and shall appear on your banking statement(s) as XXXX XXXX. XXXX guarantees that we will NOT increase your monthly payment, unless given your express consent. Your monthly payment will be fixed throughout the lifetime of your account. However, changes to your Online Search Phrase(s), at your request, may be subject to rate changes and additional phrases will be subject to the then current rate even if it is different from the rate for current phrases you may have.\n\nFurther any further details regarding your account can be answered by emailing us at XXXX or calling XXXX XXXX during our business hours.\nLicenses:\nYou hereby grant XXXX non-exclusive, irrevocable, royalty-free, worldwide license under all copyrights, trademarks, patents, trade secrets, privacy and publicity rights and other intellectual property rights you own or control, if needed, in order to direct traffic to your website through the Online Search Phrases.\nGeneral Terms:\nAuthority to Bind: No employee or specialist of XXXX XXXX. or any of its divisions are authorized to offer or agree to any binding agreement with another party by email without the approval of an Account Manager. Governing Law: This Contract is made and shall be construed and performed under the laws of the State of Oregon without giving effect to choice of law principles. The parties agree that exclusive jurisdiction and venue for any action hereunder shall lie in the Circuit Court of Oregon, XXXX County.\nWaiver:\nFailure to insist upon strict compliance with any term or condition of this Contract shall not constitute a waiver of such term or condition, nor shall any waiver or relinquishment of any right or power under this Contract at any one or more times be deemed a waiver of relinquishment of such right or power at any other time. If you have questions on your account, please email us at XXXX or call XXXX XXXX during our business hours.\nXXXX XXXX. Cancellation Policy & Payment:\nIt is your responsibility to update XXXX with any and all changes to your customer information, including but not limited to, your personal and professional contact information, your subscribed website address, and your payment information. If your payment fails for any reason, your campaign may remain online for up to 30 days as we attempt to contact you to collect updated payment information. This does not negate your obligation to pay any and all monies owed to XXXX. If your account is not brought current within 30 days we have the right to immediately turn off all of your marketing and turn your account over to a collections agency.\nPLEASE NOTE:\nAll cancellation requests must be submitted to XXXX OR by calling XXXX XXXX\nAll cancellation requests MUST be received at least three (3) business days prior to the monthly anniversary date. If notice of cancellation is not given within said time frame, XXXX cannot prevent an automatic charge to the account and therefore you will be charged for an additional month.\nXXXX XXXX. Client Services\nXXXX\nXXXX\nXXXX \nXXXX\n\n*********************************************************************\n*********************************************************************\n\nXXXX \nTransaction Receipt from XXXX  XXXX. for $XXXX (USD)\nInbox\tx\n \nAuto-Receipt \n\tXX/XX/XXXX\n \t\t \n \nto me\n \n\t\nWELCOME TO XXXX!\nMake sure to print a copy of this receipt for your records. As a new XXXX client, we are excited to get to work on promoting your business! Please stay tuned. Soon you will receive emails notifying you of our progress on creating your XXXX XXXX campaign. If you have any questions, concerns or comments please feel free to reach out to our client service dept. \nOrder Information\nDescription:\tGoods or Services\nInvoice Number \tXXXX\nCustomer ID \tXXXX\n\t\n\n________________________________________\nBilling Information \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX\nUS\nXXXX \nShipping Information \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX\nUS\n________________________________________\nTotal:\t\t$XXXX (USD)\n\n\nPayment Information\nDate/Time:\tXX/XX/XXXX XXXX PDT\nTransaction ID:\tXXXX\nPayment Method:\tXXXX XXXX\nTransaction Type:\tPurchase\nAuth Code:\tXXXX\n\t\n\n\nMerchant Contact Information\nXXXX XXXX.\nXXXX, OR 97005\nUS\nXXXX XXXX XXXX. Client Services XXXX or XXXX  XXXX\n\n\n \nXXXX XXXX \n\tXX/XX/XXXX\n \t\t \n \nto XXXX XXXX  XXXX - The Active Agent\nREALTOR | XXXX At XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX | XXXX XXXX XXXX | Each Office Is Independently Owned And Operated\n\n*********************************************************************\n*********************************************************************\nXXXX \nYour Exclusive XXXX XXXX  Positions (Action Required)\nInbox\tx\n  XXXX this?   XX/XX/XXXX XXXX.  \n \nXXXX XXXX. \n\tXX/XX/XXXX\n \t\t \n \nto me\n \n\t\n \nBe careful with this message. It contains content that's typically used to steal personal information. Learn more\nReport this suspicious message   Ignore, I trust this message\n \nCongratulations XXXX XXXX  your XXXX XXXX positions are now LIVE and ready for new clients to see! \nREQUIRED ACTION. CLICK THE LINK BELOW TO ACCEPT XXXX XXXX. TERMS AND CONDITIONS. \nXXXX  \nXXXX requires clients to have terms and conditions completed within 5 days of this email or XXXX will pause all active accounts until submitted. Terms and conditions takes just a few moments of your time. In the best interest of your advertising needs, we suggest that you complete it after you are finished reading this email. \n\n***GOING TO XXXX DOES NOT ACTIVATE YOUR ONLINE ADS. THIS INFORMATION IS PROVIDED TO OUR CLIENTS TO ENSURE THEY UNDERSTAND OUR TERMS, CONDITIONS AND CANCELLATION POLICIES. \n\nAlthough your ad campaign has been launched it may take a few hours to get your ads into the correct position. \n\nYour exclusive ONLINE search phrases are listed down below.\n------ IMPORTANT NOTICE! ------\n\n---- PLEASE DO NOT CLICK ON YOUR OWN ADS ----\n\n---- THIS NEGATIVELY IMPACTS CONVERSION TRACKING DATA ON YOUR ACCOUNT ----\nClicking on your ads is for new clients only. This will ensure the statistics on your account are always as accurate as possible.\nXXXX will flag accounts that are repeatedly clicked on by the same person or computer. This is to protect your ads from people who are not serious about your business.\nIf you consistently search the search terms from your computer XXXX will show you different results. After searching your ad over and over if your ad is not appearing to you, simply wait for an hour and it will appear again.\nNOTE: We monitor your ad campaign activity 24 hours a day, 7 days a week to ensure maximum exposure on XXXX.\nYou may contact a Customer Service Representative Monday-Friday to show and walk you through your placements live on XXXX. Contact information below. Any additional questions you have may be answered at that time. Any changes you wish to make to your ad(s), phrase(s), or personalization may be done free of charge.\nYour exclusive XXXX Ad Campaign search terms are as follows:\nTo see your AD(s) simply click the link(s) below.\nXXXX\nreal estate encinitas ca\ncarlsbad ca homes for sale\n\nOr if you prefer, follow these steps:\n1.\tNavigate to XXXX\n2.\tType your SEARCH TERM as shown above into the XXXX search box and submit the form if necessary.\n3.\tYou should see your AD. If not, it may be necessary to wait a day while XXXX reviews and approves your new AD.\n4.\tIf you still can not see your AD, please see XXXX AND/OR contact us at XXXX\nThank you for your business, we look forward to promoting your business to its peak!\nXXXX XXXX. Client Services XXXX\nXXXX \nXXXX XXXX \n\n*********************************************************************\n*********************************************************************\nXXXX \nPLEASE READ : XXXX XXXX. CLIENT HANDBOOK\nInbox\tx\n \nXXXX XXXX. \n\t XX/XX/XXXX\n \t\t \n \nto me\n \n\t\nWelcome Again To\n The XXXX Team!\n\n Attached to this email is the CLIENT HANDBOOK. It is attached as a pdf file. This handbook will help give you a better understanding as to how the advertising works and what we can do to better the service. If you need help with the client handbook or want to make adjustments to your account, please contact the number listed below. We are excited to see where our service takes you and your business! Let's take your business to it's peak!\n\n\n\nThank you from all of \nus at XXXX!\n\nIf you need assistance \nCALL : XXXX XXXX XXXX  XXXX Attachments area\n*********************************************************************\n*********************************************************************\nTHIS IS THE E-MAIL THAT PROVES I CANCELLED WITHIN THE TIME ALLOWED BY XXXX INC:\n\nXXXX XXXX XXXX cancellation.\nInbox\tx\n \nXXXX via XXXX \n\n\tXX/XX/XXXX\n \t\t \n \nto me\n \n\t\nWe're sorry to see you go. Notice has been sent to our client services department and a copy has been emailed to you. You will be contacted to verify the cancellation of your advertising with XXXX.\n\nName: XXXX XXXX\nEmail: XXXX\nLast 4:XXXX IP: XXXX\n\n - - - COMMENT - - -\nNo results.\n\n\n*********************************************************************\n*********************************************************************\nXXXX\nWe Are Sorry To See You Go!-(XXXX XXXX.)\nInbox\tx\n \nXXXX \n\tXX/XX/XXXX\n \t\t \n \nto me\n \n\t\n                              \n                                                      \n\n\n\nHi XXXX,\n\nThank you for doing business with us! We are sad to see you go! We value every client that gives us an opportunity to earn their business.  Please call the number below or email a good time we can reach you. We want to ensure that we are providing the best possible service month in and month out. We have some new features to improve the presence of your campaign that not everyone has at the moment.  We are pretty excited about it! We also want to get any feedback to help better our service for the future. Look forward to speaking with You! \n\nThanks, \nXXXX XXXX.\nCustomer Loyalty Dept.\nXXXX\nXXXX XXXX \n\n*********************************************************************\n*********************************************************************\nThe totality of communication between XXXX Inc and me was done through two media; E-mail and telephone. I've supplied all the E-mail, and I have only the times of phone calls recorded on my cell phone in case anyone needs that information.\n\nIts possible that someone at XXXX XXXX overlooked the XX/XX/XXXX communication, and that might have led to my case being marked Late Cancellation or some sort of thing.  Short of that, it appears that XXXX  XXXX is intentionally stealing money from me, using Capital One as a tool.\n*********************************************************************\n*********************************************************************","date_sent_to_company":"2017-12-19T23:28:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92069","tags":null,"has_narrative":true,"complaint_id":"2760130","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2017-12-19T19:02:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Order Confirmation:  (Month-To-Month Agreement)\n\nBilling Information \nClient Name: <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>\nStreet Address:<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> City, State, Zip: <em>XXXX</em> <em>XXXX</em>, CA, <em>XXXX</em>:\n\n\nPayment Method\nCredit card type: <em>XXXX</em>\nLast four #: <em>XXXX</em> \n\nClient Account Information\nWebsite: <em>XXXX</em> \nPhone: (<em>XXXX</em>) <em>XXXX</em>\nEmail: <em>XXXX</em> \n\n\nAmount\nMobile Feature/Click to Call: INCLUDED\nFirst Month Total Charge: $ <em>XXXX</em> ( includes <em>set-up</em> if applicable )\nMonthly Service Fee: $<em>XXXX</em> Beginning: XX/XX/<em>XXXX</em>\nPayment Made Today : $<em>XXXX</em>"]},"sort":[4.4524174,"2760130"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":9,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":9}]}},"product":{"doc_count":9,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2}]}},{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other debt","doc_count":2}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other banking product or service","doc_count":1}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Virtual currency","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FHA mortgage","doc_count":1}]}}]}},"issue":{"doc_count":9,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":2}]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a lender or other company charging your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}},{"key":"Struggling to pay your bill","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't work with you while you're going through financial hardship","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Escrow, taxes, or insurance","doc_count":1}]}}]}},"timely":{"doc_count":9,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":9}]}},"company_response":{"doc_count":9,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":6},{"key":"Closed with non-monetary relief","doc_count":3}]}},"submitted_via":{"doc_count":9,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":9}]}},"company":{"doc_count":9,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"Data Mortgage Inc.","doc_count":1},{"key":"Debt Collectors International, Inc.","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Payward Ventures Inc. dba Kraken","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1},{"key":"Time Investment Company, Inc.","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":9,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"MA","doc_count":2},{"key":"CA","doc_count":1},{"key":"CT","doc_count":1},{"key":"GA","doc_count":1},{"key":"KY","doc_count":1},{"key":"NJ","doc_count":1},{"key":"NM","doc_count":1},{"key":"TN","doc_count":1}]}},"company_public_response":{"doc_count":9,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":3}]}},"tags":{"doc_count":9,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":1},{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}