{"took":470,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":15,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3338779","_score":19.94926,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/2019I went under contract to buy a home. 45 days to close we put on the contract because we didn't want to have issues with closing. We were sent disclosures from the lender and were told we were waiting for the appraisal. Purchase price was XXXX. Primary Residential Mortgage out of XXXX XXXX AR was our lender. We had great communication with the loan officer and then nothing. If you call the office and push 0 to speak to operator you are disconnected. If you transfer to one of their extensions their voicemails are full. After repeated calls I finally got hold of someone and found out what was being done with my file. Nothing. No appraisal was ordered and we were not yet through underwriting. I was then told our loan officer was no longer with the company and I was being assigned to a new loan officer, XXXX XXXX NMLS# XXXX. He was on it, he negotiated with the seller to get an extension, through the end of this month. Yesterday I was notified that my XXXX a year salary can not be counted because I am self employed. That makes sense to me I can understand that, however that is something I should of been told weeks ago when I had time to make other arrangements and time to shop for other loan products. I understand loan officers leave, but my issue was nothing was done with my file when that happened, my file was left in no mans land now I'm trying to switch to a different loan product but I doubt the seller will grant a third extension. When the first loan officer left there was nothing done to my file till I kept calling found out I didn't have a loan officer and quickly assigned me to a new loan officer. 1 week before closing and he pretty much had to start from scratch. When I attempted to contact the corporate office, tired of the run around, upset for the time period my file was neglected I was told they close a lot of files each month and can't be expected to look into each case. I tried to go up the chain of command and was told manger is on vacation. This is the message sent by their customer service department when I requested to speak to corporate.XXXX,I’m not sure what you think talking to one of the Executives can possibly do for you. We close over 3000+ loans a month and they don’t really have the time to look into individual loans that’s why I am here. You have not got final approval at this point and unfortunately cannot be two days from closing. What resolution are you looking for so I can review your file. We take all complaints very seriously and I am trying to understand what it is you are asking for when the file as you say is incomplete and without an approval. I need to understand what you are looking for. *That's really great they close a lot of loans each month, I only care about one. I am without a home at this time, not their problem. I have 4 children and no home, again not their problem. I get why the XXXX a year can't be counted. I just needed to know that weeks ago and not 2 days before closing. There are other investor friendly options I could of looked into. And when I want to address it with corporate, I want to speak of the business loss, loss of time and hardship their neglect has cost my family, that's fine if they are to busy to discuss. When my family is treated as a number I will find other ways to address it. Again my issue is not with second loan officer XXXX XXXX # XXXX he sent a list of documents and was all over it when the file was assigned to him. My issue is the transition and the time period that no one was working on my file. Then I want to speak to corporate, because I'm tired of the run around and their to busy to look into it, because I'm just another number. Their customer service agent was fine, she didn't have much time with the file, but I at this point want to speak to corporate. I already lost to much time trying to go up the chain. I wanted to speak to corporate to see if see how I was going to be compensated for loses.","date_sent_to_company":"2019-08-13T15:49:17.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"76049","tags":null,"has_narrative":true,"complaint_id":"3338779","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"PRIMARY RESIDENTIAL MORTGAGE","date_received":"2019-08-13T13:48:43.000Z","state":"TX","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":null},"highlight":{"complaint_what_happened":["What resolution are you looking for so I can review your file. We take all complaints very seriously and I am trying to understand what it is you are asking for when the file as you say is incomplete and without an approval. I need to understand what you are looking for. *That's really great they close a lot of loans each month, I only care about one. I am without a home at this time, not their problem. I have 4 children and no home, again not their problem."]},"sort":[19.94926,"3338779"]},{"_index":"complaint-public-v1","_id":"3658768","_score":16.859966,"_source":{"product":"Student loan","complaint_what_happened":"I have been medically retired from the XXXX XXXX since XX/XX/XXXX. Now I am hoping I get to graduate and get my XXXX XXXX diploma in XX/XX/XXXX. I am currently taking my last 2 XXXX classes at the University XXXX XXXX XXXX. My VA rating also recently changed to 100 % nearly a month ago due to a recent reevaluation. I was informed that I could apply to get my education loans completely XXXX as a result of it ( XXXX ), I was static since I didn't know this program existed. I was also told that it would take 3- 6 months to get an answer and so I applied right away ( this was in the third week of XXXX ). I had already signed up for my XXXX classes and had requested loans for them long before and it was just a matter of waiting for my Spring semester to end and start my final one this XXXX before I could graduate. In the meantime I called my Financial Aid to ask when the loans would be disbursed ( for my classes ), I didn't want there to be a problem and the new ones not be counted. I say this because two weeks ago I received a letter from the XXXX XXXX office ( the office of the Department of Education that deals with these requests ), and I didn't see the new Summer loans there and so I wanted to do my due diligence and make sure everything was in working order. My FinAid office assured me it would be fine and that the funds have been sitting in my account for a while now, it was just a matter of waiting for all my professors to put in their grades. Only then would the funds get dispersed and reflect in the Department of Education 's end. This is how XXXX holds their student accountable - it was school policy. Unfortunately, one of my professors ( I took 3 classes ) didn't put in her grade till last week. Also late last week is when I saw that my past loans got XXXX as well ( which was amazing ), but without the finals loans being counted in ( {$21000.00} ). They could not get disbursed prior to, due to school policy, not because I wasn't approved or because they were not requested. I had called before to the XXXX XXXX XXXX XXXX ( XXXX ) office and let them know this ( several times ), but they did not look into it or do a thorough job of investigating the manner. I let them know it was happening because of my classes this Summer-and still nothing. \n\nAfter this took place, I continued calling and emailing the XXXX office and letting them know what had taken place. When this process first began, I had been told it would take at least a couple of months ( but it took 3 weeks ) and at at the same time my loans didn't get disbursed because one of my professor took a really long time to post my grade ( the reason why they did not get included in the recent discharge ). It was beyond my control. Each and every time I call they are not only rude, but they keep telling me there is no appeal and no way around it unless I could get a letter from the VA with a different \" effective day. '' I can not get XXXX % XXXX again on a different day, for them to even say that is callous and just insensitive. This is a clear sign they truly don't know or understand their audience. I explained this to them and well indifference came my way. They give me the option of going the Social Security and Physician route, with COVID how am I going to do that? The difference between my loans getting dispersed ( because all my grades were in the system ) and the time the XXXX request got approved was 72 hours. I even went ahead and emailed my teacher 2 weeks ago letting her know what I was trying to do and how I didn't want to run into any complications and if she could please kind hurry the matter-and it still happened. I understand why the office is being how they are. I know some people may try and take advantage of the situation and keep taking loans out, so they could just keep getting them XXXX time and time again. But the issue here is that I did do everything I was supposed to do, I called all the active actors, let them know, did my due diligence ; but because of things out of my control I am now being told these last 2 loans can not be covered because technically ( 72 hours ) they were not in the system as dispersed and therefore can not be counted in. But these are my last 2 classes I will ever take. These classes are what will allow me to finally have my diploma. I am not trying to take advantage of the system or anything of that matter, I am just trying to graduate and get a job so I can at least help out with my daughter 's tuition if I can. She is a graduating senior and her financial aid package was not as full as we would have liked it to be, we still have to make up for approximately {$10000.00} for a full year. How am I supposed to do that, when the XXXX office will not see that I am not trying to scam them and just want to include my Summer loans as part of the original discharge? I ask that you please intercede. I have tried calling them multiple times, emailing them, even spoke to one of their supervisors- but no one really wants to help me. I can hear in their tone, their attitude, and indirect dismissal. It just makes me so upset that everyone tells us veterans \" Thank you or your service, '' but when it comes down to actually bringing that into action, very few follow through. I am not asking for a handout, but simply for someone to really see how this played out. I really want to continue taking my classes this XXXX and hopefully graduate in the XXXX. I did my due diligence through every avenue I could, I can not afford {$21000.00}. I could not predict unanticipated expedient results from the Department of Education after being told it would not be, nor could I have rushed my teacher or rushed my school in any other way. I don't understand why the burden is being placed one me and no one cares to really listen. I understand this is a fairly new program, but they need to understand they can not and should not treat people as second-class citizens, especially not veterans. I want to let them know that if this is not taken care of in a civil and compassionate manner, I will not hesitate to go up the chain of command.","date_sent_to_company":"2020-05-19T17:03:10.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"90501","tags":"Servicemember","has_narrative":true,"complaint_id":"3658768","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2020-05-19T16:40:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I don't understand why the burden is being placed one me and no one cares to really listen. I understand this is a fairly new program, but they need to understand they can not and should not treat people as second-class citizens, especially not veterans. I want to let them know that if this is not taken care of in a civil and compassionate manner, I will not hesitate to go up the chain of command."]},"sort":[16.859966,"3658768"]},{"_index":"complaint-public-v1","_id":"4770998","_score":16.202469,"_source":{"product":"Mortgage","complaint_what_happened":"PHH Mortgage Services still refuses to get their hackers out of here and they keep remoting into my phone following some old protocol of \" bleeding me out '' in which they try and isolate the homeowner in effort to keep him from exposing their fraud. We already went through this, remember?! It's where you had your hackers purposely deployed to my residence to establish a network access point ( still up to this day as seen in pic 1, starts with LED... ) so they can constantly get at me into my phone and laptop to keep me from communicating with my lawyer, who I hired to sue PHH Mortgage Services for illegal foreclosure, only to see PHH manipulate the situation just to be able to quickly hide the fraud they did all through these illegal foreclosures by quickly disposing of them. They purposely kept me from reaching my lawyer just so they could hide their fraud. Then to make matters worse, they actually acted as if these foreclosures didn't happen with how they tried to change and pass through a different set of fraudulent statements that they submitted to and through the CFPB. Statements that didn't wind up hiding any of the fraud at all and only made it look worse. You can't deny what's public record! Abd these foreclosed had an NTS which I already provided previously and submitted to show for each, and each had an auction date I had to do all I could to keepy house from winding up selling on. It took everything I had and all efforts o could make and nearly destroyed me. And at the other end waiting was these hackers. That was this past winter/spring/summer. So why are your hackers still here?! Get them out of my phone and laptop! Get them out of here! Look at the pics. They are still doing the only thing they know how to do to a homeowner, isolate him, even if the situation is well past any need for any of that. They altered the settings in my text messages app and my calls app just so that I won't be notified if any incoming msgs like I'm here isolated stuck back when trying to figure this whole thing out and had no avenue to take and go. It just doesn't make sense! Get your hackers out of here but not before they fix my settings. Where it's grey in those pics and doesn't give you a choice to turn on the setting is where they came in and used some commands sent from the system over there at PHH to write code to not allow this choice in my own app! It's none of their business what calls/msgs I get! Here I have record of logs from in the system there at phh showing this, as well as the network you use to piggyback Bluetooth to always get to me, which are actual former friends you recruit and pay with cryptocurrency like you see in pic, to make them participate in your goals and then to go away. Having other people I don't even know always come by and stop by my house at all hours of the day and night! You even had the neighbor across the street paint her door the bluest blue ( see pic ) that you could possibly think of all, right before she moved out, all in effort to tell your network of people how to easily find me .... '' Look for the house across from the one with the blue door ''. You made me your number one target when your the one that messed up when putting me into your fraud scheme where it blew up in your face, left evidence everywhere, and left your whole illegal foreclosure turned revenue fraud stream completely exposed. And because of that I'm the one that has to pay! This is pure discrimination and a violation of numerous acts that make retaliation illegal! For the last time keep you hackers out of here and stop remoting into my phone and laptop! Keep them out of my social media accounts that they keep getting into and wreaking havoc on and that's if they don't just all out delete my account like they did my XXXX account. There were photos of my daughter on there that I will never get back! What right do you have to do that! Get you hackers out of here for the lasr time! I already proved they exist with the fiasco set up by the double edge sword I put in place for PHH have no choice but take when I let them finally into my phone without fighting it like I just accepted it so that they can cone in, set the timer back on my man acct where i recieve my monthly statements and then afterwards eequested they send me a full set of statements that they have on file for me there from XX/XX/2018 on forward. The mess they provided only shows these hackers dont know what they are doing in this area. They should stick to the one protocol they know and are best used for, which is for a specific purpose only. But to phh this doesn't matter and they just continuously deploy them at me to thie day in effort to keep me from coming foward to expose your fraud. I made it past my auction date without a lawyer or going through any court and made PHH put my mortgage back where rightfully belongs the day after sold which is something I never want to experience again. How I did it or the tactics used were nothing more than a prayer of a long shot that somehow worked. But after that came these hackers and all the phychosis that developed trying to make sense of what's going on in the world around me and try to understand what my mind couldnt make sense of. See what y'all are doing with that access point back there in my neighbors backyard is not giving away free wifi but instead dropping files in any phone that connects to it. Any phone that is herr at my house eventually connects to it. And among other things these files once dropped in someones phone helps you to XXXX and piggyback off their phone to always get to me! To always get to me and make sure it is known that PHH and your hackers are always gere in my phone with me no matter what! Do you have any idea how that feels?! any idea what I had to live with this past year all because of you?! You have no right to be here. Get your hackers out of here and quit destroying every account of mine. Quit intercepting and deleting my emails in my email accts and quit remoting in period! You are not wanted here and for the last time, you are violating my civil liberties by preventing me from seeking and obtaining legal litigation against you. It is my right to seek justice for all the damage you have done to me!","date_sent_to_company":"2021-10-01T04:22:20.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"78223","tags":null,"has_narrative":true,"complaint_id":"4770998","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2021-10-01T03:03:39.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["But after that came these hackers and all the phychosis that developed trying to make sense of what's going on in the world around me and try to understand what my mind couldnt make sense of. See what y'all are doing with that access point back there in my neighbors backyard is not giving away free wifi but instead dropping files in any phone that connects to it. Any phone that is herr at my house eventually connects to it."]},"sort":[16.202469,"4770998"]},{"_index":"complaint-public-v1","_id":"2572958","_score":12.238995,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Please add this to report ID/XXXX. I realized I forgot to include some important details in that report they are as follows : My parents XXXX XXXX XXXX ( Step Adoptive Dad ) & XXXX XXXX XXXX graciously offered to purchase the electronics I mentioned in the other report. The XXXX lap top/ case, inexpensive XXXX lap top, a basic home phone, a inexpensive pay as you go cellphone. My Ex has accused me of spending \" his money ''. I felt it necessary to clarify with the extreme Financial Abuse I have endured. Next I was contacted by XXXX XXXX and I quote, \" XXXX has identified that one or more computers/devices behind your cable modem may be infected with XXXX or \" XXXX XXXX '' Virus. A device behind your cable modem appears to have connected to a command and control server affiliated with this malware. Your personal information such as passwords and credit card niumbers are putting your data at risk. They said we can not protect one while sacrificing the masses. Your virus is setting off our fire wall and will breach our system and they asked me to disconnect all my devices shut it diwn and go with another service provider with a more secure network. Well my apartment building contracts with only XXXX XXXX so I have been with out internet for almost two years. My Ex Spouse used to work with XXXX XXXX and they own my apartment building. Are you seeing the continuation of Domestic Violence using third parties? It is getting clearer right? Next this virus was on the two smart TVs my parents bought for us to USE. This all goes back to them when we move out. They are just loaning them to us. Anyway all these items became infected with these viruses. He was using my children 's XXXX in reverse, viewing us in reverse on all electronic devices somehow. Anyway the XXXX were purchased at XXXX before I fled in XX/XX/XXXX. After fleeing they were hacked. I took them to XXXX so many times I lost count. They said he has your IPs get new phones. In a last ditch effort I took them to the XXXX XXXX at XXXX along with my XXXX lap top. All items were infected with extreme spyware, malware and Trojan horses that could not be removed and were hard to detect. They removed all they could we factory reset and got new sims to only have it happen again. I continued to use the XXXX lap top until one day it just went black screen and has never worked since that day. It wo n't even turn on. The XXXX we used till a promotion where you could trade your phones in Happened. We got new phones paid off the new ones off a few months later. I am still paying for my original phones from before I fled my Ex kept my sons phone even though I bought and paid for it. It just steals everything I have. It was my sons XXXX present from me. Whatever, I even got a Court Order for him to return it and nothing .... My new XXXX belong to me alone an Are paid in full. I switched from XXXX because my Ex was using my ss # to access my account information and they could n't stop it from happening. I shut down the online account and my cell service. I have new carrier pre paid month to month and it was going well until two weeks ago. It started to ramp up again. Apparently he was sending messages that explode the a virus then disappear. The above information is meant to clarify the previous report. Thank you for putting them together for me. Now Chase/XXXX Reward Visa. I opened this account as part of my safety planning with the XXXX and the Two Domestic Violence Homicide Detectives. This company made it difficult to pay my bill. My online accounts were constantly hacked password changed all the time. I would get locked out of my account. My Ex did this kind of stuff the last year before I fled. I did not realize but he got a hold of this card had my statements sent to his address and new everything I was doing. I used the card to put a down payment on my leased car, new car insurance, renters insurance, health insurance all that planning to get away and one phone call using my ss # and he got my statement sent to him and began harassing me with each of these vendors. Turns out the company My XXXX XXXX home reccomends for renters insurance is a family friend of someone we know in the XXXX family a third party to friends I have known since I was XXXX. They also refused to receive my monthly payments put me on hold for 45 minutes then just hang up on me all these companies were hurting my credit rating on purpose. Meanwhile at the time I had a pay by the minute cellphone plan. Can you see the Financial Abuse. Slight but it 's right there. Anyway I would try to pay my Chase bill on time and the same thing they would put me on 45 minute holds, refuse my payments for no reason, them send me late notices, then the Financial Abuse intensified and my Ex started with holding spousal support. To the point where it messed with my banking. I would deposit the check only to have him cancel it and all my bills bounce. XXXX XXXX did n't want to cash his checks anymore. It got pretty bad. During all of this my credit rating that I had just fixed plummeted again to XXXX. My heart sank. Chase turned me over to collections even though I was keeping them updated as soon as I figured out what he had done next. For 9 months this went on then they sent me to three different collection companies. They started calling and harassing me. I guarantee you woman who flee abuse want to pay there bill. You see the kind of Financial Abuse these guys do is slowly removing yourself worth, freedom, ability to provide for yourself all under the guise of protecting you. No one says of please abuse me or yes you may steal from me. Chase offered me a reduced payoff and I said No Way. I will pay this bill No Matter how long it takes. Finally after bursting into tears someone listened and heard me. Once they understood the type of abuse I was dealing with they started helping me again. They finally realized someone who has nothing wo n't be able to give you anything more if you yell and further re traumatized them. You have no idea what these brave woman and children survive and escape from. Anyway now they are letting me pay what I can when I can with the promise to restore my credit rating when it is paid in full. I will let you know what happens. This is not a traditional complaint more like something to learn from for everybody involved. You can look through this letter and address the abusive behavior. But my hope is that someone at Chase will become a Hero for the silenced, abused and those taken advantage of. Be a Champion go find the people in your company who have the power to change this. I know the day I pay you back will be one of the best days off mylife. I will get my dignity back. You know Financial Abuse is like a long slow XXXX of everything you have. I know that is graphic but you need to grasp how bad this really is to be able to change it. Please be one of those people my children and I can call Hero. Please be one of those Corporations who remembers you are only successful because so many human beings trust you with their money. Without them you have nothing. Understand the statistics are there and Domestic Violence is a Global Problem that is the highest it has ever been. If Corporation, Governments, Sports Teams, Organizations, Schools, Churches, Each Individual Do n't Stand Up and Say No More Society will fall. This change needs to happen now it is urgent. Corporations will cease to exists if society falls. It does n't have to be that way. We all have power to cause this societal change so let 's do it. I want to see your company flourish too. I have been self employed most of my life my job experience is varied and valuable. I want my busuness to be part of this change by you supporting me as I regain the life stolen from me you will be part of that change. So I graciously Thank you in advance for what you are about to do to address these issues for so many who need your help. Blessings, XXXX XXXX XXXX","date_sent_to_company":"2017-07-13T07:30:28.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"92656","tags":null,"has_narrative":true,"complaint_id":"2572958","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-07-13T00:48:53.000Z","state":"CA","company_public_response":null,"sub_issue":"Account sold or transferred to another company"},"highlight":{"complaint_what_happened":["You have no idea what these brave woman and children survive and escape from. Anyway now they are letting me pay what I can when I can with the promise to restore my credit rating when it is paid in full. I will let you know what happens. This is not a traditional complaint more like something to learn from for everybody involved. You can look through this letter and address the abusive behavior."]},"sort":[12.238995,"2572958"]},{"_index":"complaint-public-v1","_id":"9389888","_score":12.127172,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX of XXXX XXXX XXXX just ended case number XXXX by stating XXXX & XXXX believes no wrongdoing has occurred by our firm or our client Well, this is a clear, bold-faced lie when you just look at the latest news. In the previous case number XXXX, he submitted a nonsensical, antagonizing, utter garbage response through the CFPB where he tried to say my claims that my Synchrony/Paypal credit account were XXXX locked out on XX/XX/XXXX in the middle of the night were just made up by my imagination, when I have never seen said my account was locked on XX/XX/XXXX! On previous case number XXXX and several other CFPB reports XXXX I repeatedly made it clear I was trying to figure out why my account was locked at the beginning of XXXX! He doesnt even have the decency to say XXXX! We definitely got those dates mixed up! Sorry for abusively attacking your mental state when were the ones making stuff up! Thats certainly one example of some wrongdoing on XXXX & XXXX part! XXXX XXXX speculative explanation about multiple Synchrony accounts in case number XXXX also doesnt really make a lot of sense, since there is only one Synchrony account involved in this entire discussion. I only have XXXX Paypal address. I only have one Paypal Credit account attached to my Paypal. Thats the one and only Synchrony account that exists, and thats where this debt originated. I also fail to understand what he means when he keeps saying there is no merit to my identity theft claims. The police reports sitting in the XXXX XXXX precinct ( and at least XXXX separate CFPB report submitted to XXXX Bank, where several of the fraudulent accounts were being opened ) from early XXXX beg to differ on that topic. And Im not claiming the debt itself on my Synchrony account is identity theft, because Ive never claimed that! What I keep saying is there is aggressive, invasive, repeated identity theft coincidentally surrounding the timing of XXXX XXXX XXXX spontaneous legal attacks against me! So just in the most recent CFPB case alone, we have : XXXX. XXXX XXXX outright lying in Federal consumer communications ( The XXXX done nothing wrong! message he loves to repeat like a broken record, even when hes obviously done a couple things wrong. ) XXXX. XXXX XXXX failing to do some basic research on XXXX account XXXX that DID happen. If not maliciously, then at least out of recklessness and incompetence. And XXXX. XXXX XXXX remaining in miscommunication over what were talking about when I say identity theft. And just as a sidenote : It took XXXX CFPB reports stretched across weeks to get anyone to answer the very basic question Who the heck owns my debt account? Okay! All of you XXXX and XXXX & XXXX report receiving these reports! Lets go back and walk through this whole ugly fight from the very beginning. Summer XXXX : You issue a lawsuit out of nowhere, with no warning, with no attempt to communicate. This lawsuit has you spouting a complete lie right out of the gate, where you keep saying you had to sue me because I stopped paying you. But I never stopped paying you! I was making the small and sporadic payments I could manage, and you keep replying to me with a payment record that shows those sporadic payment records right up until you issued your lawsuit. But the fact of the matter is : I was making Payments! And if the amount of payments were such a problem for you, why didnt you at least try to warn me before you popped out of nowhere attacking with a lawsuit?! You know, there are other ways you can communicate with consumers that arent just you violently waving your arms around shouting JUDGMENT! JUDGMENT! LETS DO THIS! RIGHT NOW! NO, WE DONT CARE ABOUT ANYTHING YOU SAY! I WANT MY JUDGMENT! Thats all XXXX & XXXX has been doing through this whole mindboggling legal process. Then you waited until a year AFTER you got your court judgment before you finally slowed down and tried to do anything about the identity theft Ive been screaming about endlessly from the moment you filed the lawsuit! On CFPB case number XXXX ( XX/XX/XXXX ) the only other lawyer involved in this case, XXXX XXXX XXXX XXXX only one response where he concluded by saying we had a trial on XX/XX/XXXX that resolved these issues. What actually happened on XXXX, XXXX, XXXX is : I had to miss half a day of work and I signed in at the court house about half an hour before we were supposed to have the trial you are referring to. About ten minutes later, XXXX XXXX walked into the lobby. Hes the local XXXX attorney who was hired by eitheXXXX XXXX XXXX XXXX or Synchrony to represent them in-person ( Im still fuzzy on the legal mechanics of who hired who here ). He immediately guided me aside to a private room, sat me down, and roughly said right away Oh! You and XXXX XXXX just cant get along because you never have to meet each other in-person! Theres nothing wrong here! Lets just get this judgment squared away! And like an XXXX, I immediately caved. And in XXXX I have a new Biggest Regret of My Life. I made the mistake of putting any kind of faith in XXXX XXXX and trying to be friendly toward him, because XXXX. He seemed like the only honest, quasi-friendly individual to come forward in this entire legal episode. XXXX. Ive never been in any kind of courtroom thing completely on my own in my life, and I was a nervous wreck trying to prep myself to publicly speak in front of XXXX XXXX. And XXXX. I came into that courtroom already confused and exhausted over a dozen other family abuse legal situations and identity theft legal situations, and I was struggling to focus on the right thing. The other thing that won out is, at the end of the day, even after all the legal overkill ridiculousness XXXX XXXX XXXX keeps hurling against me, even after the really creepy timing with the identity theft, theres an honest part of me still thinking : Well, it this IS my account ( and Ive never denied it wasnt! ). And I CAN feasibly completely pay it off in X years. So, whatever. By the time we actually got into the courtroom XXXX minutes later and we all sat down, XXXX XXXX instantly took command of the scene by saying Were not having a trial about this! We dont need to have a trial about this! And that was that. During conversation behind the courtroom, XXXX XXXX spun me off into looking for help from the offices of XXXX XXXX ( an office I was already in contact with last year when I was looking for lawyers to help me fight off these legal attacks! ) And I spun myself off into looking for lawyers to help me with an abusive car dealership/family fiasco stemming back to XXXX ( which ended up being another predictable waste of XXXX months, since everyone on the family side is being so nebulous and sneaky that I cant get legal help for ANYTHING, EVER. But thats entirely separate legal argument that has nothing to do with XXXX & XXXX I hope. ) XXXX of the things I also remember XXXX XXXX saying outside the courtroom in XXXX was how XXXX & XXXX needed this lawsuit just because its an old account. But the thing is, thats not actually a problem either, because every time I was sending payments to XXXX & XXXX, I was voluntarily extending the statute of limitations for you! The smaller point is : all XXXX XXXX focused on was leading me in any direction that wasnt me explaining my side of this lawsuit directly to XXXX XXXX, and now its just complete silence from him. The larger point is : There was never a trial about any of the things were arguing about. There was never any trial, period! XXXX XXXX is casually lying his way through this procedure just as badly as XXXX XXXX! What you actually have is a default judgment that was handed to you in a friendly manner, because XXXX XXXX sweet-talked me out of arguing in the courtroom in XX/XX/XXXX. Its a default judgment built on a shaky payment contract, which is built on XXXX XXXX ignorance at spelling important names and his ignorance at fixing/acknowledging his mistakes, and its a payment contract written to a XXXX XXXX who ( legally ) doesnt exist. And then at the beginning of this past XXXX ( the same timeframe as the Paypal/Synchrony account XXXX ), you filed that XXXX of XXXX in the prothonotarys office why? Because you didnt like me saying in e-mails that Im sick and stressed from being legally bullied by you? So you decided it was a cool idea to legally bully me some more? \n\nHere is the main, big, underlying point to everything Ive said above : As long as this is the way you want to abuse the civil court system and publicly plaster your customers, and then shove your customers into paying your needless legal fees, YOURE ALWAYS GOING TO GET VALID COMPLAINTS! That much should a given. Now, if XXXX & XXXX ever said : Were doing this lawsuit! Right now! There was no good reason to even attempt doing this, but we did it anyway! And then we couldnt even write our own contract paperwork correctly while we were barging through the legal system! And now weve been blocked from reckless legal abuse and weve rendered this account uncollectible in a courtroom through our own XXXX actions! Oh well! Lesson learned! Thats the correct legal outcome I strongly believe should have happened in summer XXXX. This whole matter should have quietly died in the courtroom last year. Or at the very least, XXXX positive my arguments to Judge XXXX ( IF I WAS ALLOWED TO MAKE THEM ) would have at least slowed down P & Fs constant lying and legal bullying a little bit, and forced them to actually communicate with me decently, and do something ( anything ) to help me with the identity theft mystery. And because this didnt quietly die last year, now were having a Surrealistic XXXX XXXX argument about Paypal/Synchrony account shutdowns in XXXX that DID happen, but supposedly Im just imagining that this happened, with my wacky crazy imagination. ( And because Synchrony and XXXX XXXX XXXX are now giving WILDLY different explanations about this account lockout situation, I cant be 100 % completely sure why it even happened! ) And now Im wondering : Between the original Cant write the payment contract correctly problem, and the newest absurdity with that completely trashy CFPB response where XXXX XXXX willfully ignored every single thing I was saying, and then somehow got XX/XX/XXXX confused with XX/XX/XXXX, and then accused ME of spouting imaginary non-facts, how many opportunities does XXXX & XXXX get to make mindless stumbling errors in their procedure before Synchrony rips the account away from the grungy debt collector and puts it in the hands of their consumer advocacy department, or something? Now Im waiting indefinitely for Synchrony to respond to XXXX open CFPB reports spanning over the past month, including this newest one Im writing. Synchrony just keeps filing extensions telling the CFPB they need more time to resolve these complaints on their side. Trying to have any kind of conversation with XXXX & XXXX is an abject legal travesty, as shown time and time again through these CFPB reports. So I cant wait to see what Synchrony has to say! ( Im saying this VERY sarcastically. )","date_sent_to_company":"2024-06-30T17:48:41.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"159XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9389888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-06-30T17:48:40.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX of XXXX XXXX XXXX just ended case number XXXX by stating XXXX & XXXX believes no wrongdoing has occurred by our firm or our client Well, this is a clear, bold-faced lie when you just look at the latest news."]},"sort":[12.127172,"9389888"]},{"_index":"complaint-public-v1","_id":"7807641","_score":11.120436,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX On XX/XX/XXXX, United Wholesale Mortgage called us on our landline, ( XXXX ) XXXX, and my husband, XXXX XXXX, answered. My husband recalls that a UWM employee XXXX told him that we had not made our XX/XX/XXXX payment. My husband explained to XXXX that we had set up XXXX when we first refinanced with them in XXXX, XXXX and it has been in place since XXXX, XXXX and was to continue until the loan was paid in full. XXXX did some research and said he didnt know why this happened but an XXXX agreement was not on file. He said we would have to make XXXX payments immediately which we did ( confirmation # XXXX ) .He also said we would have to set up a new XXXX agreement. XXXX could not explain why this happened but he told us to check with XXXX XXXX. We called XXXX XXXX and they said that the reason the payment wasnt made was because a debit wasnt requested by UWM on XX/XX/XXXX. XXXX said he would send out a new ACH set up form. We asked if we would be billed a late fee and my husband was told no. We assumed we were not charged a late fee because the failure to debit our account was not our fault. We also asked if this would affect our credit rating and were told no. The new XXXX form was emailed to us. We completed it and submitted it to XXXX specifying that the mortgage payment of {$1400.00} plus an additional principal amount of {$43.00} would be debited from our checking account on the XXXX of each month starting XX/XX/XXXX. We assumed the issue was resolved. \n\nOn XX/XX/XXXX we received a certified letter from XXXX dated XX/XX/XXXX stating that our loan was delinquent and in danger of being foreclosed. We immediately called XXXX and were connected with a person XXXX. We explained that we received this certified letter and we were confused because we thought the issue was resolved. She did research and told us it was resolved and we got the certified letter because the letters are sent out as soon as the payment is late. We asked her if a report was made to the XXXX XXXX XXXX and she said no. We asked her to check this out to confirm what she just told me and she put us on hold and checked. When she returned, she said that there was no negative report made in UWMs records. I asked her to confirm that in writing and she said she would and we would get a letter confirming that assurance. \n\nWe subsequently received a letter dated XX/XX/XXXX from UWM stating that UWM had received our inquiry and they had determined that Our records indicate that the XXXX, XXXX payment was paid on XX/XX/XXXX : therefore we have determined that a credit correction was not necessary at this time. We thought that the credit correction was a report to XXXX and assumed that this letter confirmed what XXXX told us during our phone call on XX/XX/XXXX. \n\nOn XX/XX/XXXX, I was looking at our XXXX XXXX bank statement and checked the XXXX credit rating. It said that it had dropped XXXX points from XXXX to XXXX on XX/XX/XXXX. I looked into the detail and UWM had reported XXXX XXXX day late payment. I was understandably upset as I thought we had been assured that there would not be a negative credit report submitted by UWM. \n\nI then called UWM and spoke with Customer Service, they transferred me to the Escalation department. I was connected with XXXX. I explained to XXXX that UWM had sent a negative report to XXXX after I had been told they wouldnt. He put me on hold and then came back on the line and said that the XXXX payment wasnt made until XX/XX/XXXX and therefore it was reported. I explained what I had been told on XX/XX/XXXX by XXXX and he said he didnt care what XXXX XXXX told me : she was in error and we were in the wrong so the late payment was reported. He said the UWM is required by law to report all late payments. He then went on to say that XXXX would be coached in her error and it was a learning opportunity for her. I said that doesnt help us. When I asked why the payment was not requested by UWM in XXXX, XXXX stated he didnt know but we must have stated on our original XXXX set up in XXXX, XXXX that we wanted it to only be in place for 36 months. He said that I started the call saying thats what happened. I said I did not-that was crazy and why would we set up XXXX for only 36 months on a 30 year loan. He stated he didnt know why but we must have done that. I said we did NOT do that and he said we had to have done that because UWM did not. I said that I wanted a copy of that original AutoPay request made online and he said that UWM doesnt keep records of anything entered online ; they wipe those records. I said then its your word against mine and he said thats right.\n\nWhen I asked him why UWM didnt call us to discuss this ; he said they did call and no one answered the phone. He did not tell me that those calls are made by an autodialer, not a human being. I asked what number they called and he said ( XXXX ) XXXX. I said that was our landline number and he said that was the only number they had. He also said that no one answered the phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I asked why no message was left and he said that our answering machine must have been turned off. I said that our phone line has an answering service provided by our phone provider and it wasnt turned off- we always get messages left on our landline. I then gave him our cell phone numbers to put in our record so in the future they will contact us on our mobile phones. I asked him to delete the ( XXXX ) XXXX landline number because if we are not home we always carry our cell phones and I get missed call notifications. I also said we always check our landline messages because the phone has screen that tells us if we have a message. I didnt understand why UWM wouldnt have left a message.\n\nHe then said that UWM received two calls from my husband : XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX where my husband requested assistance accessing the UWM online portal. XXXX said my husband was so confused that he cancelled the XXXX agreement. I said that that doesnt make any sense and I want a record of the activity made online in XXXX and a record of what was changed ( if anything ) on the online portal. XXXX said that UWM has no access to what a customer does on the online portal ; they dont keep records. I said that I would have expected a confirmation of any changes to the AutoPay agreement and XXXX said they dont do that because UWM has no record of what is done online. I asked XXXX how I could make a complaint and he said go on XXXX and write a review. He then said he would love to help us if UWM was at fault, but they werent at fault ; we did not make the XX/XX/XXXX payment on time. I asked who else I could talk to and he said that I could talk to a manager but, unfortunately, no one is available. I asked who is the next person in the chain of command that I could talk to and he said he didnt know but maybe a vice-president. I said that I would start with a manager. He said someone would call me back by close of business on XXXX. \n\nDuring the call he kept going back to check the transcript of the calls made to UWM. I asked him for a copy of the transcript of those calls and he said I couldnt have a one. I asked why not and he said the transcripts are UWMs property. I asked how I could get a transcript and he said get a summons. I asked him what my options were. He said XXXX ) Prove UWM is wrong XXXX ) XXXX XXXX, etc and ask them to change my rating or XXXX ) Hire a credit repair company. He then told me that I could hire a credit repair company if I wanted our credit rating cleared and said his father-in-law or father just had that done and it wasnt cheap. That seemed very strange for him to suggest that to me. \n\nI found his tone during this call to be condescending, ageist and insulting ; especially the comments about my husband being confused and cancelling the XXXX. I said I didnt believe that UWM doesnt have a record of what is done in their online portal. \n\nOn Weds. XX/XX/XXXX, I called UWM again to discuss the letter dated XX/XX/XXXX which we thought meant that XXXX would not file a negative report with the credit rating agency. I was once again transferred to the Escalation department. An employee XXXX came on the line and I asked to speak to XXXX. She said XXXX could not talk to me and how could she help me? I said I was waiting for a call back from the XXXX and I wanted to clarify what the letter dated XX/XX/XXXX meant. I asked her to look at the XX/XX/XXXX letter. She didnt seem to know what I was talking about. I dont know if she found the letter in my file but she asked what it said and who signed it. I said that XXXX XXXX signed it and read her the section that stated Our records indicate that the XX/XX/XXXX payment was paid on XX/XX/XXXX ; therefore we have determined that a credit correction is not necessary at this time. I said that we understood that it meant that we would not be reported to XXXX. She said we were mistaken ; the wording actually meant that UWM was correct and they would NOT reverse the negative report. I told her that the wording was very confusing. I asked again to talk to a XXXX and she said that the XXXX was in a meeting and couldnt speak to me.\n\nI then asked her for the dates and times that UWM called us regarding the XXXX, XXXX payment. She gave me this information : XX/XX/XXXX at XXXX am ; XX/XX/XXXX at XXXX ; XX/XX/XXXX am at XXXX and XX/XX/XXXX am at XXXX am. She confirmed that we did answer the phone on XX/XX/XXXX. I said that we werent at home for the first XXXX calls or we would have picked up the phone. I asked again why UWM didnt leave a message on the answering machine and she said the calls are made by an autodialer and if no one picks up, the machine just goes on to the next number to be called and DOES NOT leave messages. I told her that makes no sense. She said when someone answers the phone, then and only then is the call transferred to a live person. I asked why UWM didnt send us an email and she said that sending an email in the case of late payments is NOT UWMs policy. I told her what XXXX had told me regarding the fact that there is no record made of what is done on the online portal. I said if there is no record how can she say that we cancelled the XXXX. She said XXXX didnt cancel it so we must have cancelled it. I said tech errors are made by companies all the time and she said she was not aware of UWM ever making an error with late payments. I then said it sounds like a XXXX is going to tell me the same thing that XXXX and she told me. She then said Thank you for calling UWM and have a great day I replied that she shouldnt say that as XXXX not going to have a great day. \n\nAfter I got off the phone, I went through my husbands inbox and there was a confirmation of the XXXX set up in XX/XX/XXXX ( sent by email ) and it stated that The start date was XX/XX/XXXX and the XXXX was to continue until the loan was paid in full. This is contrary to what XXXX told me ; that we set the original autopay arrangement to end after 3 years. \n\nI find it ludicrous that UWM :1 ) Uses an autodialer that will not leave a message on an answering machine when the phone wasnt answered ; 2 ) Keeps no records of changes made on their website portal, 3 ) Does not stand behind what was told us by two of their employees ; 4 ) Does not try to email a customer when the phone isnt answered ; XXXX ) Contradicts itself by stating that there will be a possibility of negative reporting in the XX/XX/XXXX letter to me yet XXXX XXXX they HAD to report the late payment inferring that they had NO choice. \n\nWe are very upset that our almost perfect credit rating was so negatively impacted by this event.","date_sent_to_company":"2023-11-06T16:49:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94526","tags":"Older American","has_narrative":true,"complaint_id":"7807641","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Shore Financial Services, LLC","date_received":"2023-11-06T15:39:37.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["We asked her to check this out to confirm what she just told me and she put us on hold and checked. When she returned, she said that there was no negative report made in UWMs records. I asked her to confirm that in writing and she said she would and we would get a letter confirming that assurance."]},"sort":[11.120436,"7807641"]},{"_index":"complaint-public-v1","_id":"7808342","_score":11.108984,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX XXXX called us on our landline, ( XXXX ) XXXX, and my husband, XXXX XXXX, answered. My husband recalls that a XXXX employee XXXX told him that we had not made our XX/XX/XXXX payment. My husband explained to XXXX that we had set up AutoPay when we first refinanced with them in XXXX, XXXX and it has been in place since XXXX, XXXX and was to continue until the loan was paid in full. XXXX did some research and said he didnt know why this happened but an AutoPay agreement was not on file. He said we would have to make two payments immediately which we did ( confirmation # XXXX ) .He also said we would have to set up a new AutoPay agreement. XXXX could not explain why this happened but he told us to check with XXXX XXXX. We called XXXX XXXX and they said that the reason the payment wasnt made was because a debit wasnt requested by XXXX on XX/XX/XXXX. XXXX said he would send out a new ACH set up form. We asked if we would be billed a late fee and my husband was told no. We assumed we were not charged a late fee because the failure to debit our account was not our fault. We also asked if this would affect our credit rating and were told no. The new XXXX form was emailed to us. We completed it and submitted it to XXXX specifying that the mortgage payment of {$1400.00} plus an additional principal amount of {$43.00} would be debited from our checking account on the XXXX of each month starting XX/XX/XXXX. We assumed the issue was resolved. \n\nOn XX/XX/XXXX we received a certified letter from XXXX dated XX/XX/XXXX stating that our loan was delinquent and in danger of being foreclosed. We immediately called XXXX and were connected with a person XXXX. We explained that we received this certified letter and we were confused because we thought the issue was resolved. She did research and told us it was resolved and we got the certified letter because the letters are sent out as soon as the payment is late. We asked her if a report was made to the credit rating bureau and she said no. We asked her to check this out to confirm what she just told me and she put us on hold and checked. When she returned, she said that there was no negative report made in XXXX records. I asked her to confirm that in writing and she said she would and we would get a letter confirming that assurance. \n\nWe subsequently received a letter dated XX/XX/XXXX from XXXX stating that XXXX had received our inquiry and they had determined that Our records indicate that the XXXX, XXXX payment was paid on XX/XX/XXXX : therefore we have determined that a credit correction was not necessary at this time. We thought that the credit correction was a report to Experian and assumed that this letter confirmed what XXXX told us during our phone call on XX/XX/XXXX. \n\nOn XX/XX/XXXX, I was looking at our XXXX XXXX bank statement and checked the Experian credit rating. It said that it had dropped XXXX points from XXXX to XXXX on XX/XX/XXXX. I looked into the detail and XXXX had reported one 30+ day late payment. I was understandably upset as I thought we had been assured that there would not be a negative credit report submitted by XXXX. \n\nI then called XXXX and spoke with Customer Service, they transferred me to the Escalation department. I was connected with XXXX. I explained to XXXX that XXXX had sent a negative report to Experian after I had been told they wouldnt. He put me on hold and then came back on the line and said that the XXXX payment wasnt made until XX/XX/XXXX and therefore it was reported. I explained what I had been told on XX/XX/XXXX by XXXX and he said he didnt care what XXXX had told me : she was in error and we were in the wrong so the late payment was reported. He said the XXXX is required by law to report all late payments. He then went on to say that XXXX would be coached in her error and it was a learning opportunity for her. I said that doesnt help us. When I asked why the payment was not requested by XXXX in XXXX, XXXX stated he didnt know but we must have stated on our original AutoPay set up in XXXX, XXXX that we wanted it to only be in place for 36 months. He said that I started the call saying thats what happened. I said I did not-that was crazy and why would we set up AutoPay for only 36 months on a 30 year loan. He stated he didnt know why but we must have done that. I said we did NOT do that and he said we had to have done that because XXXX did not. I said that I wanted a copy of that original AutoPay request made online and he said that XXXX doesnt keep records of anything entered online ; they wipe those records. I said then its your word against mine and he said thats right. \n\nWhen I asked him why XXXX didnt call us to discuss this ; he said they did call and no one answered the phone. He did not tell me that those calls are made by an autodialer, not a human being. I asked what number they called and he said ( XXXX ) XXXX. I said that was our landline number and he said that was the only number they had. He also said that no one answered the phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I asked why no message was left and he said that our answering machine must have been turned off. I said that our phone line has an answering service provided by our phone provider and it wasnt turned off- we always get messages left on our landline. I then gave him our cell phone numbers to put in our record so in the future they will contact us on our mobile phones. I asked him to delete the ( XXXX ) XXXX landline number because if we are not home we always carry our cell phones and I get missed call notifications. I also said we always check our landline messages because the phone has screen that tells us if we have a message. I didnt understand why XXXX wouldnt have left a message. \n\nHe then said that XXXX received two calls from my husband : one on XX/XX/XXXX and XXXX on XX/XX/XXXX where my husband requested assistance accessing the XXXX online portal. XXXX said my husband was so confused that he cancelled the ACH agreement. I said that that doesnt make any sense and I want a record of the activity made online in XXXX and a record of what was changed ( if anything ) on the online portal. XXXX said that XXXX has no access to what a customer does on the online portal ; they dont keep records. I said that I would have expected a confirmation of any changes to the AutoPay agreement and XXXX said they dont do that because XXXX has no record of what is done online. I asked XXXX how I could make a complaint and he said go on XXXX and write a review. He then said he would love to help us if XXXX was at fault, but they werent at fault ; we did not make the XX/XX/XXXX payment on time. I asked who else I could talk to and he said that I could talk to a manager but, unfortunately, no one is available. I asked who is the next person in the chain of command that I could talk to and he said he didnt know but maybe a vice-president. I said that I would start with a manager. He said someone would call me back by close of business on XXXX. \n\nDuring the call he kept going back to check the transcript of the calls made to XXXX. I asked him for a copy of the transcript of those calls and he said I couldnt have a one. I asked why not and he said the transcripts are XXXX property. I asked how I could get a transcript and he said get a summons. I asked him what my options were. He said :1 ) Prove XXXX is wrong 2 ) Contact Experian, etc and ask them to change my rating or 3 ) Hire a credit repair company. He then told me that I could hire a credit repair company if I wanted our credit rating cleared and said his father-in-law or father just had that done and it wasnt cheap. That seemed very strange for him to suggest that to me. \n\nI found his tone during this call to be condescending, ageist and insulting ; especially the comments about my husband being confused and cancelling the AutoPay. I said I didnt believe that XXXX doesnt have a record of what is done in their online portal. \n\nOn Weds. XX/XX/XXXX, I called XXXX again to discuss the letter dated XX/XX/XXXX which we thought meant that XXXX would not file a negative report with the credit rating agency. I was once again transferred to the Escalation department. An employee XXXX came on the line and I asked to speak to XXXX. She said XXXX could not talk to me and how could she help me? I said I was waiting for a call back from the manager and I wanted to clarify what the letter dated XX/XX/XXXX meant. I asked her to look at the XX/XX/XXXX letter. She didnt seem to know what I was talking about. I dont know if she found the letter in my file but she asked what it said and who signed it. I said that XXXX XXXX signed it and read her the section that stated Our records indicate that the XX/XX/XXXX payment was paid on XX/XX/XXXX ; therefore we have determined that a credit correction is not necessary at this time. I said that we understood that it meant that we would not be reported to Experian. She said we were mistaken ; the wording actually meant that XXXX was correct and they would NOT reverse the negative report. I told her that the wording was very confusing. I asked again to talk to a manager and she said that the manager was in a meeting and couldnt speak to me. \n\nI then asked her for the dates and times that XXXX called us regarding the XXXX, XXXX payment. She gave me this information : XX/XX/XXXX at XXXXXXXX XXXX ; XX/XX/XXXX at XXXX ; XX/XX/XXXX XXXX at XXXX and XX/XX/XXXX XXXX at XXXX XXXX. She confirmed that we did answer the phone on XX/XX/XXXX. I said that we werent at home for the first 4 calls or we would have picked up the phone. I asked again why XXXX didnt leave a message on the answering machine and she said the calls are made by an autodialer and if no one picks up, the machine just goes on to the next number to be called and DOES NOT leave messages. I told her that makes no sense. She said when someone answers the phone, then and only then is the call transferred to a live person. I asked why XXXX didnt send us an email and she said that sending an email in the case of late payments is NOT XXXX policy. I told her what XXXX had told me regarding the fact that there is no record made of what is done on the online portal. I said if there is no record how can she say that we cancelled the XXXX. She said XXXX didnt cancel it so we must have cancelled it. I said tech errors are made by companies all the time and she said she was not aware of XXXX ever making an error with late payments. I then said it sounds like a XXXX is going to tell me the same thing that XXXX and she told me. She then said Thank you for calling XXXX and have a great day I replied that she shouldnt say that as XXXX not going to have a great day. \n\nAfter I got off the phone, I went through my husbands inbox and there was a confirmation of the XXXX set up in XX/XX/XXXX ( sent by email ) and it stated that The start date was XX/XX/XXXX and the XXXX was to continue until the loan was paid in full. This is contrary to what XXXX told me ; that we set the original autopay arrangement to end after 3 years. \n\nI find it ludicrous that XXXX XXXX1 ) Uses an autodialer that will not leave a message on an answering machine when the phone wasnt answered ; 2 ) Keeps no records of changes made on their website portal, 3 ) Does not stand behind what was told us by two of their employees ; 4 ) Does not try to email a customer when the phone isnt answered ; 4 ) Contradicts itself by stating that there will be a possibility of negative reporting in the XX/XX/XXXX letter to me yet XXXX stated they HAD to report the late payment inferring that they had NO choice. \n\nWe are very upset that our almost perfect credit rating was so negatively impacted by this event.","date_sent_to_company":"2023-11-06T16:49:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94526","tags":"Older American","has_narrative":true,"complaint_id":"7808342","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-06T16:49:35.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["We asked her to check this out to confirm what she just told me and she put us on hold and checked. When she returned, she said that there was no negative report made in XXXX records. I asked her to confirm that in writing and she said she would and we would get a letter confirming that assurance."]},"sort":[11.108984,"7808342"]},{"_index":"complaint-public-v1","_id":"7629156","_score":9.510785,"_source":{"product":"Mortgage","complaint_what_happened":"I have a HELOC that was sold to Atlantic Union Bank about 4 years ago. At the time the interest rate was not fluctuating and I was not allowed accessibility online to view my loan, but I was able to send payments from my bank to them via paper check every month. At the time, the loan amount was about {$200.00}. Over the past 2 years, there has been a lot of volatility in the market and interest rates are going up and up. Every time there is an interest rate hike, that affects my loan. The bank sends me paper statements that are somewhat cryptic and outdated in terms of the way the information is conveyed and sometimes I will receive three different notices on the same day. Often these notices will contain different information regarding my loan amounts for the following month because of changes in Federal interest rates. I receive up to 15 or more of these every month. I am a struggling single mother of a toddler with health issues and I can not keep up with the volume of this information nor can I even ensure that it is accurate. For every other account that I have and every other servicer of a loan I have the ability to sign into an online account and see information about my loan in real time. This Bank will not provide me with the ability to see or track my loan in any meaninful way online. I have the ability to make a payment, but all I have is the amount. They will not provide me with any additional information about previous payments, whether that amount includes additional charges such as late or other fees and, most importantly, the interest rate at which I am being charged. I am unable to plan payments in advance because I do not know the amount and I can not rely on mailed updates. The bank has told me to call them multiple times throughout the month to inquire about the amount of my loan. As a busy single mother who has to look after a toddler, calling and explaining what I need to this Bank who generally doesn't understand and seems to not have a lot of experience even with this loan type, is very time consuming. And I can only get data from that point in time or ask questions about other data points. I want to be able to look at all of my information in XXXX place and that has not been provided to me. I can not keep wrangling with them over the phone every month and spending up to XXXX hours at a time to try to get information about my loan. For example today I spent over 2 hours on 3 separate calls and could not even get this basic information. Several times, I unknowingly paid slightly under the actual amount because I did not have the most current information, because there was an interest rate hike, and my loan automatically was marked unpaid- triggering a series of fees and actions. The bank keeps changing their policies/fees on this, and sometimes this goes unknown for several months, even if there is a shortage of XXXX cent. I am currently developing XXXX XXXX and a lot of physical problems because of all of the stress that I'm under. And this bank is making my life more and more stressful by not giving me any solutions to manage my obligations and to try to do so is impossible, time consuming and very stressful. They offer full online services to all of their other customers that have other products through them. I keep getting told to use these services but this bank will not make those services available to me and they assume that I have them. I have been trying to let them know that I do not have access and by assuming that I do they are hurting me as a consumer. In previous phone calls I have asked for each Representatives information as well as some kind of solution whether it be to talk to somebody above them in the chain of command or that they will take this to another party and get back to me. Today, for example, I paid {$30.00} an hour to look after my child so that I can give this Bank the uninterrupted opportunity to converse and after three phone calls I was either hung up on or they went silent and refused to talk to me. I asked them if I needed to perhaps take out another product from them to get online access or do something so I could see my own account information and they go silent. They tell me to call tech support and I have talked to them but this is not a technical support issue because whomever has loans who were bought by this Bank do not have this accessibility. They keep telling me to go into a branch and I do not live near a branch nor will that solve my problems. When they bought the loan, they did not provide any online accessibility to the holders of those loans. I can't tell you the countless hours I have gone to to diagnose their own problem and to tell them in very plain XXXX. Meanwhile, I have been losing a lot of sleep stressing about keeping on top of this loan which is technically impossible this day in age. And this Bank has no means institutionalized to provide customers of this loan product any past or current information. And they should know that if they send something in the mail, that is not current or accurate. Furthermore I should not have to call this Bank several times a month during business hours Monday through Friday just to obtain accurate information regarding my loan. This is not reasonable, and it is getting to the point where I can not physically do this every month. All I need is to have my information accessible online. That's it. And every time I call to check my balance and that everything is paid, I should not have to go through the same conversation that I am a XXXX step child of this Bank and they bought my loan without my engagement. I never selected them to service my loan. Furthermore they are also not honoring all of the terms of the original service agreement which provided for checks and a means to draw against the account. Becoming a single mother during this pandemic, I certainly could have used my equity to pay my bills. My payments have balloon from {$200.00} to over {$1000.00} a month, so this is affecting me in a very significant way. And the fact that I have no ability to even manage this is really problematic and I need a resolution right away because I am spending more time energy and money than I have to keep up with the loan. I am not disputing any of the terms or any of the increases. I am only asking for real-time online accessible information and the ability to access my remaining credit.","date_sent_to_company":"2023-09-29T22:49:22.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"20011","tags":null,"has_narrative":true,"complaint_id":"7629156","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Atlantic Union Bankshares, Inc.","date_received":"2023-09-29T22:04:53.000Z","state":"DC","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["I have been trying to let them know that I do not have access and by assuming that I do they are hurting me as a consumer. In previous phone calls I have asked for each Representatives information as well as some kind of solution whether it be to talk to somebody above them in the chain of command or that they will take this to another party and get back to me."]},"sort":[9.510785,"7629156"]},{"_index":"complaint-public-v1","_id":"14360956","_score":9.290828,"_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":["GLBA 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."]},"sort":[9.290828,"14360956"]},{"_index":"complaint-public-v1","_id":"14355609","_score":9.281091,"_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":["GLBA 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."]},"sort":[9.281091,"14355609"]},{"_index":"complaint-public-v1","_id":"8181802","_score":8.838594,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX CONDITIONAL ACCEPTANCE FOR VALUE AND COUNTER OFFER/CLAIM FOR PROOF OF CLAIM and TENDER OF PAYMENT OFFERING : Please understand that according to the terms of our agreement ( the agreement with the original lender Guaranty Trust Company ) , and youre presenting me with your- Wells Fargo new terms , I conditionally accept your offer under the following terms and conditions. You are to provide a complete accounting, signed under penalty of perjury attesting to the amount of expenditures and cost so that I may redeem my property. You must also provide proof of claim of the following : a. If there was an escrow account associated with the instant matter, please provide proof of the deposit into the account evidencing of the monies you claim was loaned respecting the instant matter, you are the custodian of record and should regularly have such information available upon request, as this is a formal challenge to the disputed debt and the claim brought forth? ( If you are not the custodian of record then you shall without delay forward this communiqu to the custodian of record and the timeframe for which the response is to be supplied to shall not adjusted under any circumstance ). \nb. United States Treasury Department held legal tender in the form Federal Reserve notes have no value, are not redeemable despite 12 USC 411, and receive no backing from anything, that this is been the case since 1933. Since the United States financial officer and expert on the currency of the United States has determined that Federal Reserve notes have no value, what species of currency was provided for the associated loan, for which you claim a debt is owed, payable and due? \nc. According to the statute governing Federal Reserve and their redeeming ability, it specifically holds that Federal Reserve are to be used for making advancement from member banks of the Federal Reserves system and for no other purpose are they authorized, the question again is, and with the currency that you supply the alleged loan? And in what species of currency is there available to my person to reimburse you for your alleged expense? \nd. If the original loan was completed via electronic transfer, what was the species of currency issued the original purchase? If required this loan by way of purchase acquisition, what species of currency was utilized in order to acquire the funds for the transfer and/or assignment associated with the aforementioned? \ne. Per the agreement my property is being traded on the market in one form or another, this is a separate stipulation any agreement, whereby I was to either dividend and or other compensation for allowing my property, which was only utilized as collateral for a loan, to be traded in exchange for valuable consideration. I do hereby bring forth my claim, that I have not received the benefit of such a transaction for which I am now harmed as a result of the misrepresentation, an alleged conspiracy to mislead my person by claiming that despite the monies my person respecting this particular transaction, there has not been offset, which is a violation of the federal FAIR DEBT COLLECTIONS PRACTICES ACT, AND THE FAIR CREDIT REPORTING ACT. Please note that for each violation of the aforementioned act, there is a associated thereto, who are receiving this presentment as a challenge to the alleged debt as a whole, for which you claim is owed, payable and due, despite the mortgage-backed security/REMIC, resulting in the securitization of my original contractual agreement. \n\nPlease answer the following question individually, separate, specifically, with evidences as well as factual foundational conclusion of law, for as a result of our agreement you are duty-bound to respond under the principles of duty to respond, and any act ( XXXX ), and or action ( XXXX ), and or inaction ( XXXX ), and or associated conduct and or associated performance will be construed as assent to the terms of this agreement, which contains not only a commerce clause ( see : Clearfield doctrine XXXX, but an arbitration clause with specific provision, please read carefully : please provide proof of claim- f. That we are not currently under a national emergency whereby all banking business have been suspended similar to that indicated by presidential proclamation XXXX? \ng. That as a result of the current emergency, book entry credit is not an acceptable form of business transaction within the borders of the United States ? \nh. That you have not charged off this account and or that the account itself has never been charged off whereby an internal credit has been applied, bringing the account balance to zero, and then the creation of a new account where the previous unapplied credit remained outstanding ( in other words that there is an outstanding balance after the internal credit application )? \ni. That your attempt to seize and/or take my property is not a violation of my right to due process, right to property? And that : The Fifth Amendment does not command that property be not taken without making just compensation? That valid contracts are not property, whether the obligor be a private individual, a municipality, a State or the United States? \n\nj. That the Rights against the United States and or any other party arising out of a contract with it are protected by the Fifth Amendment? United States v. Central P. R. Co., 118 US 235, 238 ; United States v. Northern P. R. Co., 256 US 51, 64.\n\nk. That when the United States and or any other party enters into contract relations, its rights and duties therein are governed generally by the law applicable to contracts between private individuals?\n\nl. That in Perry v. United States , 294 US 330, 352-353 ( 1935 ) it was held that : - When the United States, with constitutional authority, makes contracts, it has rights and incurs responsibilities similar to those of individuals who are parties to such instruments. There is no difference, said the Court in United States v. Bank of Metropolis, 15 Pet. 977, 392, except that the United States can not be sued without its consent. See, also, The Floyd Acceptances ( Pierce v. United States ) 7 Wall. 666, 675 ; Cooke v. United States, 91 US 389, 396. In Lynch v. United States, 292 US 571, 580, with respect to an attempted abrogation by the Act of March 20, 1933 ( 48 Stat. at L. 8, 11, chap. 3, U.S.C. title 38, section 701 ) contracts of the United States, the Court quoted with approval the statement in the Sinking Fund Cases, 99 US 70, supra, and said : \" Punctilious fulfillment of contractual obligations is essential to the maintenance of the credit of public as well as private debtors. No doubt there was in March, 1933, great need of economy. ( This is in direct reference to the March 9, 1933 act and presidential proclamation 2039, where a NATIONAL ECONOMIC BANKING EMERGENCY was declared, facilitating the serious emergency that Congress has stated is still extant )?\n\nm. In the administration of all government business economy had become urgent because of lessened revenues and the heavy obligations to be issued in the hope of relieving widespread distress. Congress was without power to reduce expenditures by abrogating contractual obligations of the United States. To abrogate contracts, in the attempt to lessen government expenditure, would be not the practice of economy, but an act of repudiation. '' And that any attempt on your part to invalidate this contract would amount to the same repudiation? \nn. That the United States treasury XXXX as authorized under the presidential proclamation 2039, has not declared legal tender to be valueless? Backed by nothing? [ - An official website of the United States Government- Legal Tender Status - Treasury Department -- - U.S. DEPARTMENT OF THE TREASURY XXXX : XXXX XX/XX/XXXX - The pertinent portion of law that applies is the Coinage Act of 1965, specifically Section 31 U.S.C. 5103, entitled \" Legal tender, '' which states : \" United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender... Federal Reserve notes are not redeemable in any commodity, and receive no backing by anything. This has been the case since 1933. The notes have no value for themselves. ] o. That The Federal Emergency Relief Act of 1933 AN ACT, was not to provide for cooperation by the Federal Government with the several States and Territories and the District of Columbia in relieving the hardship and suffering caused by ( Sec. 4. ( a ) ) Out of the funds to provide the necessities of life to persons in need as a result of the present emergency, and/or to their dependents, whether resident, transient, or homeless. - The Federal Emergency Relief Act of 1933 Approved, May 12, 19XX/XX/XXXX ( Sec. 4. ( a ) )?\n\np. That \" The ownership of all property is not in the state?\n\nq. That \" Under the new law government obligations, is not backed by the credit of the nation. Does it not represent a mortgage on all the homes, and other property of all the people of the nation. \"? Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83.\n\nr. Now, if Federal Reserve notes according to the United States Congress represent a mortgage on all the homes, and other property of all the people of the nation. \", What was the original purchase for question for according to the United States, the new deal associated with the new law, was for a GOVERNMENT OBLIGATIONS, is this not so? ( Please note that these are legal questions, for which each person is deemed to know the law, and since your business is financial, in a catbird seat respecting the answer to the aforementioned question and the particulars associated thereto, you should have no issues in answering the questions as presented in the context in which they are presented ). \ns. That Obligations of the United States shall not be receivable for all public dues? That they shall not be redeemed at the Treasury Department of the United States or at any Federal Reserve bank? 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption ( Dec. 23, 1913, ch. 6, 16 ( par. ), 38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ), 48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ), 49 Stat. 704. )","date_sent_to_company":"2024-01-19T15:23:49.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"31907","tags":null,"has_narrative":true,"complaint_id":"8181802","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-01-19T15:11:11.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["And that : The Fifth Amendment does not command that property be not taken without making just compensation? That valid contracts are not property, whether the obligor be a private individual, a municipality, a State or the United States? \n\nj. That the Rights against the United States and or any other party arising out of a contract with it are protected by the Fifth Amendment? United States v. Central P. R. Co., 118 US 235, 238 ; United States v. Northern P. R. Co., 256 US 51, 64.\n\nk."]},"sort":[8.838594,"8181802"]},{"_index":"complaint-public-v1","_id":"2680977","_score":7.976186,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Okay just to be clear I have filed complaints since about 7 months ago with every federal, state, local, house, goveneor, sheriff, chief, representatives and more I had sent out over 5000 emails, an according t my XXXX bill I had made over 20,000 in the last two months alone. Denial letters from free legal services from missiouri and arkansas, denial from help from victiums of crimes special programs and denial from attorney generals and on and on and on. \n\nOk it kind of a long story it actually starts almost five months ago, lets just say since five months ago we have suffered hacking and scammers, and idenity theft and it was bad for a while we were and are almosr 7000 in debt just from that alone not including everything on my credit record with is almost 70,000 which I thnk some is my student loans. Well after afew weeks the calmed down a bit.\nWell about a week a month after that, I had to stop working because of my health being so XXXX so I havent worked in almost 4 months now and still waiting on XXXX to kick it. \nWell we ended up having to get another vehicle, cause of my appointsments and hospital visits it wasnt working out with husbands shedule. And he was goning to lose his job if we kept at it\nSo on XX/XX/XXXX we finally got someone to give us a chance with a truck which my husband used for work sometimes.\nWell that was the first time XXXX XXXX lied to me, when they called me about being approved for sure I was told all we had to do was come and sign the papers and it was going to be XXXX Dollars Down. No more than that, I thought thank god,\nWell of course I still had not be released to go back to work yet not sure when I am going back honestly, my health is XXXX XXXX, andy ways about a week of having the truck it started acting up they were very slow to respond abut the issue and it took almost two weeks for them to actually do something about it.\n\nWell XX/XX/XXXX I told my husband since we were so far in debt with everything with the scamming and hacking that we was not going to have to file for bankcruptcy and I had researched online that we can file for a petition of affirmation of automatitc stay of assets which would help keep the only assets we had\nWell I went online which since we had got hacked, and scammed and the idenity theft I had set up proxy, vpns, IP addresses, and emails and everything it was that bad. \n\nWell I was online again looking for free legal help to fill the paperwork out and were to get the forms from online frokm the district courst of missouri and I filled it all out the waviers for the courts cost and fees and everything else then was told that it would be filed on XX/XX/XXXX and that afternoon was told go aheaed and send out to the dealerships and in a few days we finish the rest of the procedure and it was gonna cost like XXXX dollars well with me not working I had just got my last check and all ihad left ws XXXX so I gave him that through online transfer. \n\nSo the next day XX/XX/XXXX at around XXXX we heard a tow truck outside and my husband went to look and their they were taking his truck, we had not received one call, one , text, or email or any notice that this was happening at all. My husband jumped in my car and drove two hours away to talk to them to see what was going on and when he got there they \n\nTHE FINACE SIDE OF THE COMPANY TOLD HIM HE COULD HAVE THE TRUCK BACK IF HE PAID THEM XXXX FOR TOWING IT. \nWELL WHY HE WAS OUT THERE I HAD GONE ONLINE AND FILIED OUT COMPLAINTS I KNOW THEY ARE IN THE WRONG FOR DOING THAT. \n\nWELL THAT SAME DAY I TALKED TO THE GM XXXX WHICH TOOK ME 8 TIMES TO GET HIM BECAUSE XXXX I THINK HER NAME WAS OR XXXX KEPT LYING TO ME WHEN I ASKE TO SPEAK TO THE GM SHE SAID SHE WAS AND THAT IS NOT HOW SHE INTRADUCED HERESLF ON THE PHONE WHEN ANSERING PLUS I HAD TALKE D TO HER MANY TIMES BEFORE.\n\nHAD TO GO THROUGH CUSTOMER SERVICE LINE AND ASK FOR GM FINALLY GOT HIM XXXX\n\nAND HE SAID THAT BECAUSE FO THE COMPLAINTS I HAD SUBMITTED THATS WHY THEY TOOK THE TRUCK AND IT WAS BEING REVIEWED BY THEIR SUPPOSEDLY TEAM OF LEGAL REPRESENTATIVES. \n\nYET THEY TOLD MY HUSBAND THAT THEY RECEIVED THE PAPERS ABOUT THE BANK RUPTCY AND THAT IS THE REASON WHY THEY TOOKT THE TRUCK BACK.\n\nCONFLICTING STORIES THERE, WELL SINCE THEN I HAVE BEEN ONLINE TRYING TO LEARN HOW TO UPGRADE TO EFILE WELL THAT WAS A WEEK WASTED TO COME AND FIND OUT I CANT WHEN I HAVE DOCUMENTS FROM ONLINE SHOWING AND STATING ON HOW YOU CAN IF YOU REPRESENTING YOURSELF PRO SE\n\nWELL IN THAT TIME THEY BARLY SPOKE TO ME THEY TALKED TO MY HUSBAND THOUGH. WELL THRUSDAY HE TALKED TO THEM LATE EVENING AND THEY TOLD HIM THAT IF I DROPPED THE LAWSUIT THAT THEY WOULD RETURN THE TRUCK BACK TO US AND WOULD BE CHARGED FOR THE TOWING\n\nFUNNY THING IS ABOUT THE WHOLE THING I NEVER FILED YET I GOT SOME HELP AND WE WERE HAVING SOMEONE SERVED A DEMAND LETTER WITH ONE OF THE BARGGININGS WAST TO RETURN THE TRUCK.\n\nSO APPARENTLY HE HAS BEEN TALKING TO XXXX, AND XXXX, AND XXXX AT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR. XXXX XXXX\n\nWELL THE NEXT DAY I SENT VIA EMAIL AND ONLINE FAX TO HEADQUARTERS WELL WHAT THEY SHOW ONLINE AS HEADQUARTERS AND SENT TO THE XXXX NUMBER EMAIL EVEN THOUGH IST XXXX AR. XX/XX/XXXX EMAIL AS WELL. \n\n I WLL ATTACH COPY OF THAT AS WELL, WELL DIDNT HEAR NOTHING AND MY HUSBAND ASKED ME TO CALL THEM SO I DID STARTING AT XXXX XXXX TILL ABOUT XXXX AT NIGHT WHEN I CALLED THEY HUNG UP, PUT ME ON HOLD FOREVER AND THEN HANG UP TAKE MESSAGE FOR XXXX AND SAID HE WAS BUSY AND DIDNT EVER CALL BACK AT ALL I CALLED EVERY NAME ON LIST TO CORP. OFFICE IN XXXX, IN AND LEFT MESSAGE STATING I SENT EMAIL EXKPLAING THE REASON WE WAS FILING AND THERE WAS NO LAWSUIT AND THAT ALL WE WANTED WAS WHAT WE ASKED FOR. THEN ABOUT XXXX XXXX XXXX FINALLY ANSERED THE DOOR HE \n\nSTATED TO ME HE TEXTED MY HUSBAD THAT MORING AND TOLD HIM THAT HE WOUDLNT KNOW TILL XXXX\nAND THAT HE MIGHT HAVE TO BE PUT INTO ANOTHER VEHICAL NOT THE TRUCK.\n\nNOW, I WAS VERY MAD SINCE FRIDAY I HAVE DONE NOTHING BUT RESEARCH AND RESEARCH AND I FOUND OUT A LOT OF THINGS \n\nWHICH ALL GO AGAINST OUR CIVIL RIGHTS, AND POOR WORK ETHICS ON THEIR POINT OF VEIW, \nNOW THEY TOLD MY HUSBAND THAT THE ONLY HE COULD HAVE HIS THINGS OUT OF THE CAR WAS TO GIVE BACK THE OTHER KEY .\n\nWELL LIKE I SAID I HVE RESEARCHED XX/XX/XXXX, XXXX XXXX AND I HAVE FOUND OUT A LOT ABOUT THIS COMPANY AND I ALSO HAVE AT LEAST OVER 25000 DOWNLOADS OF MISSIOURI, ARKANSAS, AND XXXX LAWS ON CIVIL RIGHS, CIVIL RIGHTS AND AUTOMOBILES AND CIVIL RIGHT AND REPOSSIONS AS WELL.\n\nI HAVE OVER 100 TABS SAVED ON PHONE AND LAPTOP AND DOCUMENTS ABOUIT THIS COMPANY, MANY LAWSUITS AND LOTS OF UNFAIR PRACTICES AND AND REPOSSESIONS AND MORE, \n\nI WILL ONLY SEND CERTAIN THINGS PRETAING TO THIS MOSTLY .\n\nEverything here I have got off their websites, contracts as employees, share holders, and more mainly going to focus on the problem at hand and I have read and downloaded all the law archives from Missouri, Arkansas, Indianan. I have read and downloaded the laws pertaining to civil rights, repossession and arbritaration laws as well and I have downloaded the Byrider Franchising hand book 0n how they are to run the the XXXX XXXX XXXX XXXX stores the chains of commands policy they are to follow and more and I also have clips of the contract as well\nWHICH THE CONTRACT AND THEIR POLICYS CONTRADICT THEMSELVES AND THEY DID NOT FOLLOW ANY OF THE PROCEDURES ON CONTRACT OR HANDBOOK. Portioning to this mess.\n\nLike I mentioned before we were victims of crime again which was reported but of course due to lack of man power which was lied. XXXX police officer said and time and no leads cant do much about that problem at all, but the company XXXX XXXX would not even hear our story or didnt take any compassion to our situations.\n\n\nLISTED BELOW IS EVERYONE I HAD CALLED AND LEFT MESSAGES AND EMAILED AND FAXED LETTERS TO SEE ABOUT GETTING THIS CLEARED UP WITH OF COURSE NO RESPONSE FROM ANY OF THE MEMBERS WAS TOLD BY THE EMPLOYEES OUT OF XXXX AR. XXXX XXXX THEY WERE NOT ALLOWED TO SPEAK TO US YET THEY CONTINUED COMMUICATION WITH MY HUSBAND NOT MUCH BUT MORE SO HIM THEN ME AND I AM THE BUYER\n\nSO ONLINE WHEN YOU LOOK UP MAIN HEADQUARTERS FOR XXXX XXXX THIS IS WHAT COMES UP //.\n\nXXXX XXXX\t\t\t\t\tAKA----XXXX \n\nXXXX AR XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nXXXX XXXX XXXX HEADQUARTERS AFTER YOU REWORD THINGS COMES UP\nXXXX XXXX XXXX XXXX XXXX IN XXXX\nPhone--XXXX XXXX XXXX\nFax--XXXX XXXX XXXX\nEmail--XXXX\n\nSO THE WEBSITE IT GIVES A LIST OF NAMES OF SUPPOSEDLY THE PEOPLE RUNNING THIS LOCATION::\nXXXX XXXX PRESIDENT-- LEFT 6 MESSAGES ON VOICEMAIL, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX\n\nXXXX XXXX--CONSUMER AFFAIRS SPECIALIST ( WHICH THAT IS WHAT I WAS TOLD WHO I NEEDED TO SPEAK WITH)---XX/XX/XXXX LEFT 15 VOICE MAILS\n\nXXXX XXXX--DIRCTOR OF SALES--XX/XX/XXXX LEFT 8 MESSAGES\n\nXXXX XXXX XXXX-- XX/XX/XXXX LEFT 4 VOICEMAILS\n\nXXXX XXXX-- LEFT 4 VOICEMAILS XX/XX/XXXX \nXXXX XXXX--XX/XX/XXXX LEFT 3 VOICEMAILS XXXX XXXX XXXX--XX/XX/XXXX LEFT 3 VOICEMAILS\n\nXXXX XXXX--XX/XX/XXXX LEFT 5 VOICEMAILS XXXX XXXX--XX/XX/XXXX LEFT 2 VOICEMAILS\n\nXXXX XXXX XXXX XXXX--XX/XX/XXXX LEFT 6 VOICEMAILS\n\nSUPPOSEDLY EMAIL FOR OFFICE IS ----XXXX WHICH GOES TO XXXX AR. AND CUSTOMER SERVICE EMAIL IS XXXX\nWHICH IM SURE GOES TO XXXX AR. LOCATION AS WELL\n\nTHAT WAS ALL DAY SATURDAY I TRIED CALLING CORP OFFICE AND ONLY SENT OUT ONCE THE EMAIL TO THE EMAILS ON WEBSITES AND FAXED TO THE FAX NUMBERS AS WELL\n\nXXXX \nXXXX AR XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX I THINK HE A GM XXXX XXXX XXXX XXXX AND I THINK XXXX\n\nHAVE ALL SAID DIFFERENT STORIES TO ME WHEN AND IF THEY ANSWERED OR TOOK MY CALLS \n\nAND HAD TOLD MY HUSBAND MANY DIFFERENT STORIES AS WELL VERY CONFLICTING STORIES\n\n\n\nWELL I FOUND OUT\nXXXX CUSTOMER SERVICE IS LINKED TO BOTH PLACES AND TRANSFERS CALLS ONLY TO XXXX AR I CALLED THEM 25 TIMES XXXX\n\nSO I WAS MAD, MY HUSBAND WAS MAD CAUSE THEY KEEP LYING TO US AND TELLING US DIFFERENT STORIES.. SO I DID DIGGING AROUND ON EACH PERSON AND THE COMPANY ITSELF AND I DOWNLOAD ALL PUBLIC ARCHIEVES OF THE LAWS FOR CONSUMERS AND BUSINESS AND ARBRITRATION LAWS AS WELL AND I WIL COPY AND PASTE WHAT I HAD SEND LINKS DOCUMENTS AND PICTURES TO BACK UP MY FINDINGS \n\nAND I ALSO CAME ACROSS THEIR FRANCISHING HAND BOOK ON HOW THEY ARE TO RUN THEIR BUSINESS AND HOW THEY TARGET PEOPLE WHO ARE FINIANCALLLY UNSTABLE AND LIE TO THEM AND CHARGING HOW MUCH INTERSET THEY WANT NO MORE THOUGH THAN 35% AND MORE I HAVE DOWNLOAD COMPLAINTS OF THINGS THEY HAVE DONE SIMILAR TO THIS AND NO BODY REALLY DONE MUCH\n\nI AM REQUESTING TWO THINGS AT THIS TIME\n\nFRIST IS THE TRUCK BACK WITH TITLE NO MORE LEASE AT ALL OR NEW TRUCK \n\nSECOND AND I WONT THIS IS A SUIT BROUGHT ON THEM AS WELL OR BEING DECEITFUL AND MISLEADING AND BREAKING LAWS AND MORE BAD BUSINESS JUDGEMENTS AS WELL.\n\nSO WHEN YOU XXXX XXXX HEADDQUARTERS IT COMES UP XXXX IN AND THAT I FOUND LIKE I SAID GOES ROUTED TO XXXX AR,\n\nI HAVE A PICTURE OF THAT, WHEN YOU ENTER THE WEBSITE AND PICK A LOCATON AND CHOOSE INDIANA WELLL XXXX IN LOCATION DONT COME UP HAVE PICTURE AS WELL.\n\n\nLIKE I SAID I DID A LOT OF DIGGING AROUND ON THESE PEOPLE I ACTUALLY HAVE HOME ADDRESSESS AND PHONE NMBERS HOME ONES AND CELLS AND SOCIAL MEDIA WEBSITES THEY CONNECTED TO AS WELL AND MUCH MORE FAKE WEBSITES, NUMBERS GENERATED TO FULL CONSUMERS INTO BELIVING THEY CALLING CUSTOMER SERVICE BUT NOT THEY JUST CALLING THE STORE THEY HAVING A PROBLEM WITH AND GET TRANSFERRED AROUND FOUND ALSO THAT IF YOU GO TO \n\nXXXX---DIRECT WEBSITE AND MAKE A PAYMENT AND THEY DONT TELL YOU THIS AND I DONT TRUST IT AT ALL SO I DIDNT MAKE A PAYMENT IT TAKES YOU TO A THIRD PARTY WEBSITE NOT EVEN CALLED XXXX OR ANYTHING TO DO WITH XXXX WEBSITES.\n\nALSO FOUND OUT THAT XXXX XXXX IS NOT REGISTERED WITH THE FEDERAL BANK RESERVERS I CHECKED NOT ON THERE NOR IS BYRIDER OR XXXX OR SOME OF THE OTHER NAMES I TRIED TO ENTER AS WELL\n\nI WILL SUBMIT THAT ALL AS WELL. THEY ARE APPARENTLY REGISTERED AND IN.GOV WITH 4 DIFFERENT NUMBERS AS WELL AND DIFFERENT ADDRESSES AND NAMES AND CONTACTS WHICH I DID TRY TO REACH OUT TO AND NOTHING I WILL ATTACH ALL THAT AS WELL. \n\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX----XXXX XXXX, XXXX XXXX (State or Other Jurisdiction of Incorporation or Organization) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX (Address of Principal Executive Offices, Including Zip Code) (XXXX) XXXX (Registrants Telephone Number, Including Area Code) XXXX XXXX \n\n\nTHIS RIGHT HERE HIS JUST ONE OF THE REGISTRATION NUMBERS THEY HAVE NOT TO THE ADDRESS THAT THEY SAY IS CORP OFFICE HEADQUARTES DONT EVEN MATCH UP\n\nXXXX XXXX XXXX XXXX XXXX. is an entity registered at Indiana with company number XXXX. Company is incorporated onXX/XX/XXXX. Current status of the company is Merged. The company's agentis XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN, XXXX - XXXX, USA The company's secretaryis XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA The company's presidentis XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA\nCompany information\n\nFrom \n\n\nXXXX XXXX XXXX XXXX XXXX IS THE SERVING AGENT WHOM I WOULD LIKE SERVED AND EVERYONE ELSE SERVED AS WELL THEY ALL LIE \n\nAgent\nName\tXXXX XXXX XXXX\nAddress\tXXXX XXXX XXXX., XXXX, IN, XXXX - XXXX, USA\nSecretary\nName\tXXXX XXXX XXXX\nAddress\tXXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA\nP\n\nFrom \n\n\nTHIS IS FROM PAGE 9 TABLE OF CONTENTS REVIEW \n\nThe Company utilizes its Loss Prevention and Recovery Department (the LPR) to perform on-site audits of branch compliance with \nCompany underwriting guidelines. XXXX audits Company branches on a schedule that is variable depending on the size of the branch, length of \ntime a branch has been open, current tenure of the Branch Manager, previous branch audit score and current and historical branch profitability. \nXXXX reports directly to the Accounting and Administrative Management of the Company. The Company believes that an independent review \nand audit of its branches that is not tied to the sales function of the Company is imperative in order to assure the information obtained is \nimpartial. \n\nTHIS IS FROM PAGE 9 AS WELL CALLED MONITORING AND ENFORCEMENT OF CONTRACTS\n\nThe Companys Management Information Services personnel maintain a number of reports to monitor compliance by customers with their \nobligations under Contracts and direct loans made by the Company. These reports may be accessed on a real-time basis throughout the \nCompany by management personnel, including Branch Managers and staff, at computer terminals located in the main office and each branch \noffice. These reports include delinquency aging reports, customer promises reports, vehicle information reports, purchase reports, dealer \nanalysis reports, static pool reports, and repossession reports. \nA delinquency report is an aging report that provides basic information regarding each account and indicates accounts that are past due. The \nreport includes information such as the account number, address of the customer, home and work phone numbers of the customer, original term \nof the Contract, number of remaining payments, outstanding balance, due dates, date of last payment, number of days past due, scheduled \npayment amount, amount of last payment, total past due, and special payment arrangements or agreements. \nAny account that is less than 120 days old is included on the delinquency report on the first day that the Contract is contractually past due. \nOnce an account becomes 30 days past due, repossession proceedings are implemented unless the customer provides the Company with an \nacceptable explanation for the delinquency and displays a willingness and the ability to make the payment, and commits to a plan to return the \naccount to current status. When an account is 60 days past due, the Company ceases recognition of income on the Contract and repossession \nproceedings are initiated. At 120 days delinquent, if the vehicle has not yet been repossessed, the account is written off. Once a vehicle has \nbeen repossessed, the related loan balance no longer appears on the delinquency report. Instead, the vehicle appears on the Companys \nrepossession report and is sold, either at auction or to an automobile dealer. \n\nWhen an account becomes delinquent, the Company immediately contacts the customer to determine the reason for the delinquency and to \ndetermine if appropriate arrangements for payment can be made. If payment arrangements acceptable to the Company can be made, the \ninformation is entered in its database and is used to generate a Promises Report, which is utilized by the Companys collection staff for \naccount follow up. \n\nThe Company prepares a repossession report that provides information regarding repossessed vehicles and aids the Company in disposing of \nrepossessed vehicles. In addition to information regarding the customer, this report provides information regarding the date of repossession, \ndate the vehicle was sold, number of days it was held in inventory prior to sale, year, make and model of the vehicle, mileage, payoff amount \non the Contract, XXXX book value, XXXX XXXX value, suggested sale price, location of the vehicle, original dealer and condition of the \nvehicle, as well as notes other information that may be helpful to the Company. \nThe Company also prepares a dealer analysis report that provides information regarding each dealer from which it purchases Contracts. This \nreport allows the Company to analyze the volume of business done with each dealer and the terms on which it has purchased Contracts from \nsuch dealer. \n\nThe Companys policy is to aggressively pursue legal remedies to collect deficiencies from customers. Oral requests for payment are made \nbeginning when an account becomes 11 days delinquent. When an account becomes 30 days delinquent and the customer has not made \npayment arrangements acceptable to the Company or has failed to respond to the requests for payment, a repossession request form is prepared \nby the responsible branch office employee for approval by the Branch Manager for the vicinity in which the borrower lives. Once the \nrepossession request has been approved, first by the Branch Manager and second by the applicable District \n \n\n\nTHIS STATES HOW ANYONE IN THE COMPANY CAN ACCESS ALL INFORMATION ALTER INFORMATION BASICALLY DO WHATEVER THEY WANT, NOT PRIVACY \n\nComputerized Information System \nThe Company utilizes integrated computer systems developed by XXXX to assist in responding to customer inquiries and to monitor the \nperformance of its Contract and direct loan portfolio and the performance of individual customers under Contracts. All Company personnel are \nprovided with real-time access to information from a single shared database. The Company has created specialized programs to automate the \ntracking of Contracts and direct loans from inception. The Companys computer network encompasses both its corporate headquarters and its \nbranch office locations. See Monitoring and Enforcement of Contracts above for a summary of the different reports prepared by the \n\n\n\n\nTHIS THEY VIOLADATED AS WELL FALSE IMPLICATIONS PAGE 11\n\n Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act (FDCPA) and applicable state law counterparts \nprohibit the Company from contacting customers during certain times and at certain places, from using certain threatening practices \nand from making false implications when attempting to collect a debt. \n \n\nNO PRIVACY WITH INTERGRATED DATABASE BUT IT SAYS THEY HAVE TO KEEP OUR STUFF PRIVATE THEY DONT PAGE 11 AS WELL\n\n Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act (FDCPA) and applicable state law counterparts \nprohibit the Company from contacting customers during certain times and at certain places, from using certain threatening practices \nand from making false implications when attempting to collect a debt. \n \n\nSTATES THEY MAY NOT INTERFER PAGE 12\n\nBankruptcy. Federal bankruptcy and related state laws may interfere with or affect the Companys ability to recover collateral or \nenforce a deficiency judgment. \n\n\nNEXT IS ABOUT HOW EMPLOYESS ARE TO HANDLE THINGS AND WHO HANDLES THEM AND THE PROCDURES AND THE DO AND DONTS ASLO PAGE 12, 13, 14, 15 ,16.17:::IPAGE 14 STATES THAT AS SOON AS THEY REPOSSES A VEHICLE ITS TOOK TO AUTION RIGHT AWAY\n\n\nThe auction proceeds we receive from the sale of repossessed vehicles and other recoveries are subject to fluctuation due to economic \nand other factors beyond our control. \nIf we repossess a vehicle securing a Contract, we typically have it transported to an automobile auction for sale. Auction proceeds from the sale \nof repossessed vehicles and other recoveries are usually not sufficient to cover the outstanding balance of the Contract, and the resulting \ndeficiency is charged off. In addition, there is, on average, approximately a 30-day lapse between the time we repossess a vehicle and the time \nit is sold by a dealer or at auction. The proceeds we receive from such sales depend upon various factors, including the supply of, and demand \nfor, used vehicles at the time of sale. Such supply and demand are dependent on many \n \nHERE IT STATES WRONGFUL REPOSSETIONS, BANRUPTCY VIOLATOINS AND MORE\n\nWe are subject to risks associated with litigation. \nAs a consumer finance company, we are subject to various consumer claims and litigation seeking damages and statutory penalties, based \nupon, among other things: \n \n \n \n \n \n \n \n \n \n12 \n \n usury laws; \n \n disclosure inaccuracies; \n \n wrongful repossession; \n \n violations of bankruptcy stay provisions; \n \n certificate of title disputes; \n \n fraud; \n \n breach of contract; and \n \n discriminatory treatment of credit applicants. \n\n\nSome litigation against us could take the form of class action complaints by consumers. As the assignee of Contracts originated by dealers, we \nmay also be named as a co-defendant in lawsuits filed by consumers principally against dealers. The damages and penalties claimed by \nconsumers in these types of actions can be substantial. The relief requested by the plaintiffs varies but may include requests for compensatory, \nstatutory and punitive damages. We also are periodically subject to other kinds of litigation typically experienced by businesses such as ours, \nincluding employment disputes and breach of contract claims. No assurances can be given that we will not experience material financial losses \nin the future as a result of litigation or other legal proceedings. \n\nPAGES 17-21 SAYS THE HAVE TO PRACTICE PROPER COLLECTION POLICES WHICH THEY DID NOT::\n licensing requirements; \n requirements for maintenance of proper records; \n payment of required fees to certain states; \n maximum interest rates that may be charged on loans to finance new and used vehicles; \n debt collection practices; \n proper disclosure to customers regarding financing terms; \n privacy regarding certain customer data; \n interest rates on loans to customers; \n telephone solicitation of direct loan customers; and \n collection of debts from loan customers who have filed bankruptcy. \n\n\nAGAIN ON PAGE 18 INTERGRATED DATABASE\n\nWe may experience problems with our integrated computer systems or be unable to keep pace with developments in technology. \nWe use various technologies in our business, including telecommunication, data processing, and integrated computer systems. Technology \nchanges rapidly. Our ability to compete successfully with other financing companies may depend on our ability to efficiently and cost-\neffectively implement technological changes. Moreover, to keep pace with our competitors, we may be required to invest in technological \nchanges that do not necessarily improve our profitability. \nWe utilize integrated computer systems to respond to customer inquiries and to monitor the performance of our Contract and direct loan \nportfolios and the performance of individual customers under our Contracts and direct loans. Problems with our systems operations could \nadversely impact our ability to monitor our portfolios or collect amounts due under our Contracts and direct loans, which could have a material \nadverse effect on our financial condition and results of operations. \n\n\nOKAY THIS ON PAGE 97 OF THEIR POLICY HANDBOOK CALLED GOVERNING LAW.\n\n16. GOVERNING LAW. \n(a) The validity, interpretation, construction and performance of this Agreement shall be governed by the internal laws of the State \nof Florida, except that Section 16(b) shall be construed in accordance with the Federal Arbitration Act if arbitration is chosen by the Employee \nas the method of dispute resolution. \n(b) Any dispute arising out of this Agreement shall, at the Employees election, be determined by either (i) arbitration under the \nrules of the American Arbitration Association then in effect (but subject to any evidentiary standards set forth in this Agreement), in which \nboth parties shall be bound by the arbitration award, or (ii) by litigation. Whether the dispute is to be settled by arbitration or litigation, the \nvenue for the arbitration or litigation shall be Tampa, Florida. The parties consent to personal jurisdiction in each trial court in the selected \nvenue having subject matter jurisdiction notwithstanding their residence or situs, and each party irrevocably consents to service of process in \nthe manner provided hereunder for the giving of notices. \n\n\n \n(b) Any dispute arising out of this Agreement shall, at the Employees election, be determined by either (i) arbitration under the \nrules of the American Arbitration Association then in effect (but subject to any evidentiary standards set forth in this Agreement), in which \nboth parties shall be bound by the arbitration award, or (ii) by litigation. Whether the dispute is to be settled by arbitration or litigation, the \nvenue for the arbitration or litigation shall be Tampa, Florida. The parties consent to personal jurisdiction in each trial court in the selected \nvenue having subject matter jurisdiction notwithstanding their residence or situs, and each party irrevocably consents to service of process in \nthe manner provided hereunder for the giving of notices.\n\nTHESE NEXT FEW PAGES 115 10 125 ARE THE AUTOMOBILE DEALER RETAIL AGREEMENT PLANS:::\n\nThe undersigned Dealer proposes to sell to the undersigned XXXX XXXX XXXX. (XXXX), from time to time, Promissory Notes, Security \nAgreements, Retail Installment contracts, Conditional Sales Contracts, or other instruments hereinafter referred to as Contracts, evidencing \ninstallment payment obligations owing Dealer arising from the time sale of motor vehicle(s) and secured by such Contracts. It is understood \nthat XXXX shall have the sole discretion to determine which Contracts it will purchase from Dealer. \n \nIndemnity : As a separate and cumulative obligation, Dealer shall defend and hold XXXX harmless from any and all claims, defenses, \noffsets, damages, suits, administrative or other proceedings, cost (including reasonable attorneys fees), expenses, losses, and liabilities. \n(Collectively Claims) arising out of connected with or relating to the Contract or the goods or services sold there under. Timing of \nindemnification is within 7 days of demand by XXXX. \n\nXXXX XXXX XXXX. (hereinafter referred to as XXXX XXXX XXXX. or the Company) requires ethical conduct in the practice of \nfinancial management in all aspects of business activities. \nThe XXXX XXXX XXXX. Code of Ethical Conduct for Financial Managers applies to all senior officers serving in a financial role. The Chief \nExecutive Officer, Chief Financial Officer and Controller, as well as certain other senior financial officers, hold an elevated role in corporate \ngovernance and are expected to act in accordance with the highest standards of personal and professional integrity, to comply with all \napplicable laws, rules, and regulations, to preserve and protect shareholders interests, and to abide by the XXXX XXXX XXXX. Code of \nBusiness Conduct and Ethics and other policies and procedures adopted by XXXX XXXX XXXX. that govern the conduct of its employees. \nThis Code of Ethical Conduct is intended to supplement the XXXX XXXX XXXX. Code of Business Conduct and Ethics. \nAs the Chief Executive Officer, Chief Financial Officer, Controller, or other senior financial officer, I certify to you that I adhere to and \nadvocate the following principles governing my professional and ethical conduct in the fulfillment of my responsibilities. I agree to: \n \n a. Comply with the Companys internal policies and procedures; \nb. Act at all times in accordance with the Companys Code of Business Conduct and Ethics which has been provided to me and with \nwhich I will comply; \nc. Engage in and promote honesty, integrity and ethical conduct, including the ethical handling of actual or apparent conflicts of \ninterest between personal and professional relationships; \nd. Provide accurate, complete, objective, timely and understandable financial disclosures in regards to internal reports as well as \nd\ndocuments filed or submitted to the Securities and Exchange Commission, any governmental, private or public regulatory agency, \nor used in public communications; \ne. Comply with applicable federal, state, provincial, and/or local governmental laws, rules and regulations, as well as appropriate \nprivate and public regulatory agencies; \nf. Respect the confidentiality of information acquired in the course of performing my work responsibilities except when authorized or \notherwise legally obligated to disclose such information; \ng. Act in good faith, responsibly, with due care, competence and diligence, without misrepresenting or omitting material facts or \nallowing my independent judgment to be compromised; \n h. Avoid using confidential information acquired in the course of performing my job responsibilities for personal advantage; \n\n\nTHEY HAVE FIVE PAGES OF DEALERSHIPS THEY GET THERE CARS FROM PAGES ON PAGES ON HOW THEY KEEP FROM PAYING TAXES AND GET EXTRA MONEY THEY ARE CROOKS AND THEY ARE ALL THROUGH ONE MAIN GUY XXXX XXXX XXXX. \n\nXXXX IS NOT EVEN A REAL BANK THEY GET THEIR MONEY FROM OTHER PLACES\nTHEY STOLE FROM US\n\n\nTHE MAIN STORES COMPANYS WE HAVING ISSUES WITH WILL BE LISTED FIRST ALL THE REST ARE POSSIBLE PLACES WHERE SUPPOSEDLY THEY ARE WHICH ONLINE AND ON SOME OF THEIR WEBSITES THEY ARE LISTED ON ONE OF THE TWO ADDRESSES LISTED FIRST. ALSO NAMES OF SOME OF THE ASSOCIATES THAT WERE THE MAIN ISSUE ARE LOCATED AT THE XXXX AR LOCATION, THE ONES TO INDIANA ARE NOT EVEN AT THAT LOCATION I FOUND OUT\n\nXXXX XXXX\nXXXX XXXX XXXX XXXX XXXX AR XXXX\nXXXX\n\nTHE FOLLOWING PEOPLE WHO DID THIS AND HAVE NOT CONTACTED US LIED TO US AND REFUSED TO TALK TO US AND TOLD US","date_sent_to_company":"2017-09-21T19:11:20.000Z","issue":"Struggling to pay your loan","sub_product":"Lease","zip_code":"65616","tags":"Servicemember","has_narrative":true,"complaint_id":"2680977","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Byrider Franchising, LLC","date_received":"2017-09-21T16:54:45.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["My husband jumped in my car and drove two hours away to talk to them to see what was going on and when he got there they \n\nTHE FINACE SIDE OF THE COMPANY TOLD HIM HE COULD HAVE THE TRUCK BACK IF HE PAID THEM XXXX FOR TOWING IT. \nWELL WHY HE WAS OUT THERE I HAD GONE ONLINE AND FILIED OUT COMPLAINTS I KNOW THEY ARE IN THE WRONG FOR DOING THAT."]},"sort":[7.976186,"2680977"]},{"_index":"complaint-public-v1","_id":"5994449","_score":7.907829,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Re : XXXX XXXX XXXX XXXX XXXX dispute with Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Located in : XXXX XXXX XXXX XXXX XXXX I prepaid for my XXXX XXXX XXXX XXXX XXXX rental car ( reservation # XXXX ) rental car through third party, XXXX \n\nDespite XXXX XXXX XXXX being fully aware and in receipt of my prepaid rental, they charged my credit card nearly {$700.00} additional frivolous charges which will cost me over {$100.00} in credit card interest. \n\nWhen I took possession of the rental car, on Monday, XX/XX/2022, the vehicle broke down approximately 3-4 hours after I picked it up which I PROMPTLY reported to management AND l received a replacement rental car later the following day. Not only do I have all of my text message exchanges that support management being fully aware of the disabled vehicle and assisting me with filing the disabled vehicle report, I was also told to catch an XXXX back to my hotel as well as XXXX XXXX XXXXXXXX management assured me they would reimburse my XXXX and prorate my bill due to the vehicle breaking down. \n\nThroughout my reporting the rental car breakdown, I agonized with the manager XXXX regarding my time sensitive XXXX XXXX that I traveled from XXXX to have and was scheduled for my XXXX XXXX early the next morning ( which I also have documentation of ). \n\nDuring the conversation, XXXX made it explicitly clear that she was unable to get me a replacement rental that evening because her office was closed and she just picked up her XXXXXXXX XXXX. When she informed me of having her XXXXXXXX XXXX in the car, she expressed concerns about not feeling safe traveling downtown XXXX XXXX so she was limited in her options that evening. The ONLY immediate resolution she could offer is asking me to catch an XXXX to my hotel then send her the receipts for reimbursement. Again, she was fully aware of my being in town for my early morning XXXX XXXX appointment and assured me she would assist with the replacement vehicle once I returned from XXXX. I also texted her a copy of my *prepaid* garage parking pass AND she spoke with the parking garage staff that attempted to assist me via speaker phone to advise of XXXX XXXX XXXX decision to leave the rental car overnight. \n\nI feel it is also important to mention, when I discovered the way this company was handling my account, I researched the company and found a number of customers endured similar experiences with their rental car breaking down only to be charged astronomical fees and not given an explanation for the charges. The point that I am trying to make is the XXXX XXXX XXXX XXXX in particular has an overwhelming percentage of customers that endured fraudulent charges on their credit card wherein nobody within the XXXX XXXX XXXX chain of command will answer WHYYYY they added the charges on prepaid rentals. \n\nThe following day, I communicated with XXXX to ensure she was still going to reimburse my XXXX as well as deliver the replacement rental. While XXXX responded to my initial inquiries regarding this matter, she eventually stopped answering my texts and calls once she texted me and had the replacement vehicle delivered to my hotel. After discovering XXXX stopped returning my calls shortly after the replacement vehicle was delivered to me at my hotel, I made repeated attempts to speak with a manager regarding my XXXX reimbursement and prorated bill. Not only did management ignore my calls, the local office told me they were inundated with customer requests so I need to give them time to investigate. \n\nWithin days of returning home to XXXX from my vacation, I noticed several charges on my credit card and called to inquire about the charges. I made NUMEROUS attempts to reach various levels of management and NOBODY followed through on my attempts to understand the charges. During this stage of my inquiry, even the rental car customer service office did NOT try to provide a response! \n\nI eventually wrote a XXXX complaint; filed a bank dispute; sent emails to XXXX and wrote a review. After a nearly two months, XXXX XXXXXXXX XXXX sent me an email claiming I abandoned the rental car and it had to be towed when they were FULLY aware of the disabled vehicle! They outright IGNORED all of the irrefutable texts ; recorded calls and videos that I sent to XXXX XXXX XXXX \n\nMOST IMPORTANTLY, A DISABLED VEHICLE WOULD HAVE HAD RO BEEN TOWED ANYHOW SO THEY PROVING MY SUSPICION THAT THEYRE KNOWINGLY SCAMMING CUSTOMERS THAT FILED SIMILAR COMPLAINTS! \n\nI have waaaaaay more evidence that I sent ALL parties but I am not getting a response from Navy Federal credit union management. They even closed my first claim within 24 business hours of filing as opposed to FULLY investigating the matter. \n\nDuring this hellacious ordeal, the XXXX XXXX XXXX also agreed to pay for my XXXX AND reimburse the XXXX day that I did not have use of the rental. Instead, they made excessive charges on my credit card and outright REFUSED to return any of my calls. I even sent management XXXX receipts, videos and photos that they requested. Yet, during the first two months the rental car company outright ignored my calls and texts! \n\nWhen I made REPEATED attempts to further investigate WHY they added charges to my credit card, XXXX XXXX XXXX STILL would not give me any intelligible response other than the matter is being investigated. I then filed a complaint with XXXX XXXX and XXXX. I wanted XXXX XXXX to be aware of my experience as well as raise awareness of the company reviews due to XXXX XXXX XXXX refusing to answer my inquiry as well as transferring me back and forth to the line that was supposed to be designated for management only to be told that I should be speaking with the customer service department. \n\nOnce I became relentless in my inquiries/complaint, XXXX XXXX XXXX made false allegations claiming they charged my car due to the disabled vehicle twas abandoned! Not only do I have a plethora of text messages from the rental car manager XXXX that prove the company was fully aware of the rental car breaking down within a few hours of my driving the vehicle ; I also have text messages that show the rental car manager XXXX had extensive conversation with me regarding their commitment to pickup the disabled rental car ; she also asked me to submit my XXXX receipts for reimbursement AND she facilitated the delivery of a replacement rental car to my hotel. I feel it is important to reiterate, XXXX actually spoke with the parking garage staff where the vehicle was disabled and asked permission to leave the vehicle overnight until she could make arrangements to pick the disabled vehicle up during business hours. \n\nGiven XXXX 's request to leave the disabled vehicle at the garage overnight, I took thorough videos of the rental car for my records so it would be clear that I left the vehicle in pristine condition. When I did not receive clear answers about the charges, I sent the pictures and videos to XXXX XXXX XXXX to prove the pristine condition of the car when *the rental car company asked me to leave the vehicle in the parking facility where it broke down* and they will retrieve it in the morning. Despite the plethora of evidence that proves the rental car company was fully aware of the vehicle breaking down, they had the audacity to send me an email changing the story claiming that I abandoned the vehicle and it had to be towed. \n\nWhen I continued to provide supporting documentation in my XXXX complaint, XXXX XXXX XXXX changed their excuse for the charges yet AGAIN. They now claim that the charges are due to having the vehicle towed because I never prepaid for parking and that I never returned the keys to them which my text exchange with the manager, XXXX proves they LIED! The parking garage where the vehicle broke down was FULLY aware of the vehicle breaking down and gave permission for management to leave the vehicle overnight because the manager XXXX indicated they did not have anyone working after hours to pick up the disabled vehicle and she had a XXXX XXXX as well as she did not feel safe driving to the location to pick up the car. Not only did I pay to park in the garage, management had sufficient opportunity to get the keys for the rental car. Instead, they outright LIED for the last three months and refused to return my calls! They not even acknowledging how a customer NEVER should have to deal with a disabled rental car which took significant time out of my vacation. Nor have they reimbursed for the XXXX as promised ; they also have NOT prorate my bill for the time I did not have the rental. Instead they REPEATEDLY LIED which I will seek accountability!! \n\nI eventually received a call from the supposed XXXX XXXX XXXX risk management representative representative about two weeks ago. He was not the least bit of concerned about my evidence and claimed he would call me back within 72 hours which he NEVER followed through on! Instead, they submitted the final claim that the charges are valid due to the *disabled* vehicle having to be towed! \n\nBASED ON MY EXPERIENCE AND THEIR BLATANT CUSTOMER ABUSE, I BELIEVE THEYRE REMOTELY DISABLING VEHICLES IN THEIR SCAM WHERE THEY CHARGED OTHER CUSTOMERS NEARLY {$700.00} EACH TIME THEY ENDURED VEHICLE BREAK DOWN! \n\nInitially, I thought they mightve been trying to charge me fees because the parking facility that they requested I leave the vehicle at charged them {$15.00} for overnight parking. Whatever the case for such egregious charges, it is cruel to ignore a customer for several months then add astronomical fees on my reservation in addition to what I already paid for the rental car! \n\nIt should be further noted that XXXX XXXX XXXX has thousands of reviews that show other customers endured frivolous charges with this company. I am devastated beyond repair! I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My days are filled with taking care of family responsibilities. Meanwhile, this greedy unscrupulous company has abused the process of stealing money from customers!! \n\nThis company is a MAJOR SCAMMER! I read their reviews and noticed many customers had similar experiences.","date_sent_to_company":"2022-09-19T15:38:11.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"21234","tags":"Servicemember","has_narrative":true,"complaint_id":"5994449","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2022-09-19T15:12:42.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["During the conversation, XXXX made it explicitly clear that she was unable to get me a replacement rental that evening because her office was closed and she just picked up her XXXXXXXX XXXX. When she informed me of having her XXXXXXXX XXXX in the car, she expressed concerns about not feeling safe traveling downtown XXXX XXXX so she was limited in her options that evening."]},"sort":[7.907829,"5994449"]},{"_index":"complaint-public-v1","_id":"13511770","_score":7.3523855,"_source":{"product":"Checking or savings account","complaint_what_happened":"To whom it may concern : Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission, Texas Department of Savings and Mortgage Lending ( TDI ), send this as correspondence. USAA retaliated after your investigation. FYI, can this also be added to my records against USAA? ( SML ) Intro : Before I begin, I would like to express my sincere gratitude to all the institutions that take the time to review my concerns and provide timely responses. One observation regarding my current circumstances is that organizations are dedicated to holding larger institutions accountable for their failures to prioritize consumer rights, which gives me a sense of reassurance. Once again, I extend my thanks. Now, I'll go ahead and get to the matter at hand.\n\nRelevant Parties : I am writing on behalf of XXXX and XXXX XXXX to help address the unacceptable issue of USAA 's unauthorized deletion of our bill pay. This situation dates back to last year when I reported embezzlement related to our account concerning payments to XXXX XXXX. In response to USAA 's actions, I proactively notified several authoritative bodies, including the Texas Department of Insurance, the Consumer Affairs Office, the Office of the Attorney General, the Federal Bureau of Investigation , the National Association of Insurance Commissioners, and other pertinent agencies.\n\nWhat Has Transpired : These institutions have acknowledged USAA 's unethical behavior, which has resulted in vindictive retaliation against us by deliberately deleting our bill pay. We demand accountability and an immediate rectification of this issue. Lets be clear : this has never happened in the 27 years we have been customers. Why is this occurring now, after I reported them? This is no coincidence. After nearly a year of investigation by TDI into USAA, we received a letter indicating that their inquiries have concluded. Legal action against both USAA and XXXX XXXX may be necessary.\n\nWe received correspondence from USAA 's CEO, who unsurprisingly stated that there was no wrongdoing within the company. The CEO offered to address any further concerns over the phone. However, despite our attempts to reach out, neither he nor his assistant has responded.\n\nUSAA Retaliation : Nevertheless, these circumstances highlight significant deficiencies in USAAs accountability and professionalism. It is deeply concerning that a financial institution of their reputation would permit such substantial and disruptive errors, particularly when these actions undermine customers ' foundational trust in their services. This situation extends beyond administrative oversights and constitutes a clear violation of consumer rights. The apparent correlation between the retaliatory measures and the reporting of unethical practices further underscores systemic issues within the organization that require immediate and thorough resolution. \n\nThis lack of transparency demonstrates USAA 's ongoing disregard for our situation. Their arrogance and negligence are now directly costing us money. The CEO of USAA has continuously misrepresented the facts, but I firmly believe that the truth about the organization 's hidden issues will eventually come to light. It raises serious questions as to why they would retaliate in this manner.\n\nWhat USA A Said Happened : The Bill Pay account has traditionally been under my name, as I have taken responsibility for ensuring our bills are paid punctually. Last month, I discovered that our Bill Pay account had been deleted without prior notification. Upon contacting USAA for clarification, I was astounded to learn that the account had been transferred to XXXX 's name because he is the one who is presumably the sole individual depositing funds into it. This action is entirely unacceptable. USAA should not have executed such a significant alteration to our account without appropriate notification, which echoes previous issues we encountered with them and XXXX XXXX. \n\nHistory Of USAA : Years ago, we also encountered duplicate payments to USAA, which arose from a breakdown in communication regarding the inclusion of insurance coverage in our mortgage arrangement. This situation not only resulted in unnecessary financial redundancies but also caused significant inconvenience. Additionally, USAA proceeded to authorize a roof replacement without securing our consent. These instances highlight the pressing need for improved organizational communication and accountability. \nFurthermore, these experiences illustrate a concerning trend regarding USAA 's treatment of its consumers. There appears to be an implication of arrogance or a lack of respect for customer input in decision-making processes. When consumers seek clarification or confront the institution about unilateral decisions made on their behalf, they often feel penalized. This behavior undermines trust and should be addressed promptly. For further validation of these concerns, you can review the XXXX XXXX XXXX XXXX website, where customers have expressed sentiments similar to those outlined here. \n\n\nUSAA Adhering to Laws : It's also quite perplexing and concerning how certain institutions, such as USAA, which are established to adhere to state government protocols, regulations, and chain of command, appear to operate under the impression that they are above the law. When issues are reported, these entities often retaliate against the customer rather than constructively addressing their concerns. Recently, when my husband inquired regarding his account, he discovered that no bills were available under his name either. So that you know, I told you that the representative said it was switched to under XXXX 's name. Compounding this situation, I am currently experiencing challenges with my mortgage company, which has dispatched payments to two entities without prior notification. Lack Of Respect : Now, these continual actions exhibited by USAA convey a sense of discontent, a lack of respect, and a troubling degree of defiance. The growing disorder within these large institutions is disheartening, particularly as the consumers ultimately bear the brunt of such mismanagement. Furthermore, these organizations violate legal and ethical standards and then shift the blame onto the consumer once their shortcomings are highlighted. Once again, the management structure at USAA appears to actively prevent the timely dispatch of our bills, raising the question of why such disruptions are occurring, especially following the TDI investigation. This situa\ntion can not be dismissed as a mere coincidence. \n\nWhat I Tried to Do Online : I recently attempted to process my homeowners association ( HOA ) payment online, only to discover that the payment had been deleted from the system. This situation is not merely a matter of conflicting statements ; after 27 years of consistently making timely payments, I would not deliberately remove a bill, especially considering the importance of maintaining our credit standing. Consequently, I am now incurring late fees for each missed payment. Furthermore, I have observed that none of my bills have been dispatched for the past three months, leaving me unable to settle the outstanding amounts.\n\nI have diligently discussed my responsibilities, ensuring that my financial obligations are met in full. This situation is extremely stressful, so I would need to talk about it with all relevant institutions. It is wholly unacceptable. Had USAA fulfilled its obligations, we would not have faced these difficulties. Instead, the organization appears to be shifting blame and imposing penalties on consumers for its shortcomings. It is intolerable to place consumers in a position of guilt for issues stemming from your companys mismanagement. This matter requires immediate attention and resolution.\n\nWhat USAA Needs to Recognize : It is essential for institutions to monitor large corporations actively for any potential lapses or to have representatives embedded within the advertising sector to gain critical insights into their operations. The risk of retaliation indicates that there are likely complexities within USAA that may not be readily visible. However, it's important to emphasize that my husband and I are not involved in these issues ; we did not create these regulations and are committed to following them.\n\nMy Sentiment : Heres my stance : Some might question why my husband and I dont simply switch to another bank and set up bill pay there. I firmly believe that if I havent done anything wrong, merely abandoning this business wont resolve the underlying corruption present in all institutions. Corruption isn't exclusive to a single bank ; it reflects what's in people 's hearts. If I keep fleeing from one situation to another, Ill never address the core issue and will be complicit in perpetuating the cycle I oppose.\n\nAccountability : I stand firm against these institutions and will hold them accountable until they act justly. Every situation has a beginning and an end, and no one remains in power forever. We all face accountability eventually, regardless of our beliefs. This is precisely why I refuse to inconvenience myself by starting over with another bank that might treat me just as poorly or worse. Running away from a corrupt world is not an option for me. If I began this pattern, I would never stop. These are my resolute beliefs, and I stand by them.\n\nFirmly.\n\nWhat Will Happen Next : I'll go ahead and document my conversation with a USAA representative to give you a record of my contact. I plan to take photographs and send them to the relevant institutions, demonstrating that the payment does not bear our names but solely reflects a USAA insurance bill. I am committed to holding corporations accountable by recording and reporting their actions to illuminate deficiencies. By thoroughly documenting violations, I aim to ensure these entities understand that breaking the law has consequences. Whenever a law is violated, I consistently report it until USAA adheres to established protocols. I am resolute and tireless in this pursuit.\n\nAlso, I intend not to catch them in a slip-up out of spite ; instead, I want to establish that every communication I initiate with institutions is grounded in fairness, not emotion or deception. The ongoing injustices faced by innocent consumers must be reported, which is why systems are in place to address such matters. So, I will continue to use every available avenue to make sure that USAA takes care of my husband and me.\n\nPersonal letter to the CEO of USAA : To : Letter to the CEO of USAA I wanted to let you know that I took the time to write a letter expressing my thoughts, as it is essential to explain my perspective. This communication is not intended to disrespect you or undermine your position, but rather to provide insight into how you are perceived from an external standpoint, particularly in your role as the Chief Executive Officer of USAA.\n\nAchieving the position of CEO requires significant dedication, intelligence, and perseverance, accomplishments that anyone would be proud of. However, since you represent the values synonymous with USAA, such as integrity, respect, customer service, reliability, and significance, I would like to point out that when your institution falls short in exemplifying these principles, it is essential to reflect on your leadership. While some individuals may consider this correspondence to be inappropriate given your status as CEO, it is necessary to know that you are not infallible, which is why I felt it necessary to address you directly.\n\nIt is often suggested that individuals in leadership positions may exhibit an attitude of reluctance to accept external advice regarding company management, particularly when they occupy the role of CEO. This phenomenon can create a perception of a belief in ones omnipotence within the organization. However, a financial institution 's operations and ethics serve as a direct reflection of its leadership. A failure to address misconduct within the bank may indicate a more profound issue regarding the executive 's self-perception and the institution 's overall integrity.\n\nAs a CEO, one must prioritize the impression one creates on others. This is exemplified by encounters with individuals who demonstrate genuine humility and a commitment to ethical behavior. For instance, my interaction with XXXX XXXX, a paragon of modesty and integrity, a long time ago, left a lasting impression. He refrained from disclosing his identity, allowing the hotel staff to reveal it instead. His unassuming demeanor took me aback, as he engaged me by inquiring about my experience at the hotel. Our conversation reflected his dedication to customer satisfaction, as he expressed genuine interest in my enjoyment and offered complimentary amenities without expectation of recognition. This interaction underscores the importance of integrity in leadership and its impact on public perception. \nThe central message I wish to convey is this : customers should not be held accountable for the shortcomings of financial institutions. If a bank fulfilled its obligations and adhered to the established regulations, there would be no need for concealment or compliance challenges. Integrity is derived from the adherence to these principles ; therefore, customers should not face penalties due to a bank 's inability to act by ethical standards that have existed long before many current employees were born.\n\nThis statement is not meant to be humorous, disrespectful, or disingenuous ; instead, I would like to express my sincere appreciation to the Texas Department of Insurance ( TDI ) for its thorough investigations aimed at addressing consumer issues. I experienced a financial loss due to USAA, resulting from misleading information provided by certain employees of the organization, who incorrectly claimed that XXXX XXXX was responsible for our insurance payments during the initial six years of our homeownership.\n\nA representative stated, \" If he finds that my husband and I made the payments, USAA will reimburse you. '' As first-time homeowners, we initially made direct payments to the bank, resulting in six years of duplicate payments.\n\nAnother representative subsequently informed us that, although their records indicated we were making payments for six years, the information had been modified to reflect XXXX XXXX as the payee due to a computer error. The troubling aspect of this situation is that once USAA recognized our actual payment history, they understood that reimbursement was warranted. However, despite acknowledging the misappropriation of our funds, USAA failed to rectify the situation. This presents a concerning representation of the institution. The notion that money is the root of all evil has shifted from being a mere adage to a profound reality in this context. \nThe question arises : why not consider transitioning to a different bank? However, it is essential to note that the underlying issue is not the institution itself, but rather the individuals employed within it who contribute to corrupt practices. Transitioning from one bank to another may lead to similar experiences, as corruption does not inhabit a singular entity. The unfortunate reality is that such behavior permeates various sectors, and many individuals who strive to conduct themselves with integrity find themselves facing a similar fate. \nAs a devout follower of XXXX XXXX of XXXX, this aspect of my identity may seem tangential to the subject at hand. However, I would like to talk with respect and sincerity. I have been raised to adhere to the principle of treating others as one wishes to be treated. My faith teaches that individuals are faced with choices, and the consequences of those choices will inevitably manifest later in life. It is worth noting that titles such as CEO, professional athlete, or celebrity will not hold significance when faced with judgment. Ultimately, what matters is one 's integrity, how one treats others, and the commitment to ensuring that one 's institution refrains from corrupt practices against innocent customers who do not deserve such treatment. This is the essence of my message. \n\nSincerely, XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX, zip XXXX Contact Information : XXXX, XXXX Cell Phones : ( XXXX ) XXXX ( XXXX ) XXXX To : Letter to the CEO of USAA I wanted to let you know that I took the time to write a letter expressing my thoughts, as it is essential to explain my perspective. This communication is not meant to disrespect you or undermine your position, but rather to give you insight into how you are perceived from an external standpoint, especially in your role as the Chief Executive Officer of USAA.\n\nAchieving the position of CEO requires significant dedication, intelligence, and perseverance, accomplishments that anyone would be proud of. However, since you represent the values synonymous with USAA, such as integrity, respect, customer service, reliability, and significance, I would like to point out that when your institution falls short in exemplifying these principles, it is essential to reflect on your leadership. While some individuals may consider this correspondence to be inappropriate given your status as CEO, it is necessary to know that you are not infallible, which is why I felt it necessary to address you directly.\n\nIt is often suggested that individuals in leadership positions may exhibit an attitude of reluctance to accept external advice regarding company management, particularly when they occupy the role of CEO. This phenomenon can create a perception of a belief in ones omnipotence within the organization. However, a financial institution 's operations and ethics serve as a direct reflection of its leadership. A failure to address misconduct within the bank may indicate a more profound issue regarding the executive 's self-perception and the institution 's overall integrity.\n\nAs a CEO, one must prioritize the impression one creates on others. This is exemplified by encounters with individuals who demonstrate genuine humility and a commitment to ethical behavior. For instance, my interaction with XXXX XXXX, a paragon of modesty and integrity, a long time ago, left a lasting impression. He refrained from disclosing his identity, allowing the hotel staff to reveal it instead. His unassuming demeanor took me aback, as he engaged me by inquiring about my experience at the hotel. Our conversation reflected his dedication to customer satisfaction, as he expressed genuine interest in my enjoyment and offered complimentary amenities without expectation of recognition. This interaction underscores the importance of integrity in leadership and its impact on public perception. \n\nThe central message I wish to convey is this : customers should not be held accountable for the shortcomings of financial institutions. If a bank fulfilled its obligations and adhered to the established regulations, there would be no need for concealment or compliance challenges. XXXX is derived from the adherence to these principles ; therefore, customers should not face penalties due to a bank 's inability to act by ethical standards that have existed long before many current employees were born. \nThis statement is not meant to be humorous, disrespectful, or disingenuous ; instead, I would like to express my sincere appreciation to the Texas Department of Insurance ( TDI ) for its thorough investigations aimed at addressing consumer issues. I experienced a financial loss due to USAA, resulting from misleading information provided by certain employees of the organization, who incorrectly claimed that XXXX XXXX was responsible for our insurance payments during the initial six years of our homeownership.\n\nA representative stated, \" If he finds that my husband and I made the payments, USAA will reimburse you. '' As first-time homeowners, we initially made direct payments to the bank, resulting in six years of duplicate payments.\n\nAnother representative subsequently informed us that, although their records indicated we were making payments for six years, the information had been modified to reflect XXXX XXXX as the payee due to a computer error. The troubling aspect of this situation is that once USAA recognized our actual payment history, they understood that reimbursement was warranted. However, despite acknowledging the misappropriation of our funds, USAA failed to rectify the situation. This presents a concerning representation of the institution. The notion that money is the root of all evil has shifted from being a mere adage to a profound reality in this context.\n\nThe question arises : why not consider transitioning to a different bank? However, it is essential to note that the underlying issue is not the institution itself, but rather the individuals employed within it who contribute to corrupt practices. Transitioning from one bank to another may lead to similar experiences, as corruption does not inhabit a singular entity. The unfortunate reality is that such behavior permeates various sectors, and many individuals who strive to conduct themselves with integrity find themselves facing a similar fate. \n\nAs a devout follower of XXXX XXXX of XXXX, this aspect of my identity may seem tangential to the subject at hand. However, I would like to talk with respect and sincerity. I have been raised to adhere to the principle of treating others as one wishes to be treated. My faith teaches that individuals are faced with choices, and the consequences of those choices will inevitably manifest later in life. It is worth noting that titles such as CEO, professional athlete, or celebrity will not hold significance when faced with judgment. Ultimately, what matters is one 's integrity, how one treats others, and the commitment to ensuring that one 's institution refrains from corrupt practices against innocent customers who do not deserve such treatment. This is the essence of my message.","date_sent_to_company":"2025-05-15T11:00:17.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"75068","tags":"Servicemember","has_narrative":true,"complaint_id":"13511770","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-05-15T07:52:27.000Z","state":"TX","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":["What I Tried to Do Online : I recently attempted to process my homeowners association ( HOA ) payment online, only to discover that the payment had been deleted from the system. This situation is not merely a matter of conflicting statements ; after 27 years of consistently making timely payments, I would not deliberately remove a bill, especially considering the importance of maintaining our credit standing. Consequently, I am now incurring late fees for each missed payment."]},"sort":[7.3523855,"13511770"]},{"_index":"complaint-public-v1","_id":"12233817","_score":6.245475,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] responding to job offer XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Welcome aboard! XXXXXXXX XXXX XXXX Insurance company. XXXX XXXX XXXX, one of the Supervisors/ HR Managers at XXXX XXXX I will be the XXXX XXXXXXXX In charge of your job interview/ comprehensive briefing about the company and position available. \n\nDue to the disparities in our locations and schedule, the interview will be conducted online via XXXX, for ease of communication as well as Quality Control and Record-keeping/Reference purposes. I believe you are okay with that and ready for the process? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] yes XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] It's nice connecting with you. Just follow the briefing and interview process, you can ask questions when I am through and I will be glad to answer them. Your prompt response would be our priority. Respond with an \" okay '' after each paragraph so I know you have read and understood okay. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] XXXX is a global financial services and technology company that specializes in insurance, reinsurance, asset management, and real estate services. Founded in XXXX and headquartered in XXXX XXXX, Michigan, XXXX has grown rapidly through a unique partnership model and strategic acquisitions. \n\nThe company operates across multiple sectors, providing innovative solutions to meet the diverse needs of individuals and businesses. XXXX leverages advanced artificial intelligence and technology to enhance its service offerings, ensuring efficiency and customer satisfaction. \n\nXXXX is renowned for its decentralized approach, allowing its local agency partners to maintain autonomy while benefiting from the companys global resources and support. This model has fueled its impressive expansion, making it one of the fastest-growing brokers in the world. \n\nI believe as we proceed you will get to know and understand more. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Data Entry Responsibilities and Duties : Transferring data from paper formats into computer files or database systems Typing in data provided directly from customers Creating spreadsheets with large numbers of figures without mistakes Transfer data from paper formats into computer files or database systems using keyboards, data recorders, or optical scanners. \nType in data provided directly from customers Create spreadsheets with large numbers of figures without mistakes. \nUpdate existing data. \nRetrieve data from the database or electronic files as requested. \nPerform regular backups to ensure data preservation. \n\nProven experience as a data entry clerk. \n\nFast typing skills ; Knowledge of the touch typing system is strongly preferred. \nExcellent knowledge of word processing tools and spreadsheets ( XXXX XXXX XXXX, XXXX, etc. ) Working knowledge of office equipment and computer hardware and peripheral devices. \nBasic understanding of databases. \nGood\n\ncommand of English both oral and written and customer service skills. Great attention to detail High school degr\nee or equivalent Assignments will be sent to you via e-mail or IM and you will report directly to your immediate supervisor. NOTE : You will be trained on it. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] The working hours are flexible and you can choose to work from anywhere of your choice ( this is strictly a remote position ). The Pay is {$35.00} per hour during working hours and the training is {$22.00} per hour you will be getting your payment weekly via direct deposit. Working hours are 40 hours weekly ( 8 hours daily ). If you are employed, you are going to be working as a full-time or part time employee and not an independent contractor. Benefits include XXXX XXXX XXXX and XXXX XXXX XXXX XXXX , Employee Wellness and 401k plans. Paid Time Off and Holidays with Company Discounts. \n\nLet me know if you are still interested so we may proceed? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Here is the company 's website XXXX You are required to review it and get familiar with our achievements, mission, vision, and other vital information while we proceed with the interview. \n\n\nMay we proceed with the interview questionnaire? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] You are to have the Following Questions answered : What are your Full names, and where are you located at? \n\nAre you currently employed? \n\nAre you available to start immediately? \n\nAre you seeking a part-time or full-time job? \n\nHow many hours will you be able to devote to the company daily? \n\nHow long are you expected to work for us if hired? \n\nWhat are career goals? \n\nPayroll Method of payment ( Direct deposit / Wire Transfer / Paycheck ) What do you understand by privacy and code of conduct?\n\nDo you have a Printer, Fax Machine, Scanner, and a Photocopier?\n\nHave you ever been interviewed online before by a different company?\n\nIn a grade of % 100, how much can this company depend on you for your loyalty, diligence, hard work, team spirit, and sincerity? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX I am not currently employed. i can start immediately. I am seeking full-time employment. I can work 8 hours a day. I plan to work for a long time. My career goals are to be an excellent employee and prove my worth to the company. I want direct deposit. Yes, I have an office and it is a private area. I have a printer, Fax Scanner and a photocopier. I have never been interviewed online before. I will be % 100 loyal to the company. I will be sure to be diligent. I will work hard. I believe in team spirit and sincerity? \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX AM ] Your responses have been reviewed ; the percentage scored for the interview just conducted is on my screen. Due to your level of experience and communication skills. XXXX company has decided to give you a chance to work for the company and will like to see your diligence, XXXX, XXXX to this job... congratulations! \n\nWe are pleased to welcome you to our team, you qualified for the role! \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] WORKING WITH US At XXXX. we understand that employees are our most valuable assets so we offer competitive remuneration packages to attract, retain and reward suitable and capable candidates who can add value to the growth of the Company. We believe in the exploration of creativity, skills, and continuous learning to become leaders. Leaders who are problem solvers, customer-centric, passionate to XXXX, and can take initiative on their own. \n\nWe encourage the development of knowledge, interpersonal skills, and business competencies. Our employee training programs provide in-house/external instructor-led and online training opportunities. During your training and orientation, one of the organizations supervisors will reach you via e-mail or phone. Also, he/she will put you through our company 's guidelines under US Human Resources Laws and Regulations. \n\nThe Company is obligated to protect its intellectual property, respecting the intellectual property rights of others and protecting the security and privacy of personal information collected by the Company, including information about our customers, employees, and business partners. \n\nDo you understand? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Ethics and compliance are to ensure and reinforce ethical behavior and compliance with all applicable rules and regulations. It enhances our ability to achieve business and strategic objectives consistent with our mission and values. Through ethics and compliance, trust and confidence are encouraged on the part of customers, staff, shareholders, other mining service providers, educational institutions, payors, and the communities we serve. \n\nAll we need from you is good work and trust and you will enjoy every moment of working with us. Can we get good work and trust from you? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Absolutely, Our benefit programs are designed for the unique needs of each employee. You will be eligible for benefits after ( 30 ) days of working with the company. We are always looking to improve our benefits program. Here are some key features of our current offering : The best possible health, dental, and vision care for you and your family Life insurance 401 ( k ) 6 % employer match 10 days of paid leave Flexible work schedule XXXX XXXX Account XXXX XXXX XXXX ( up to {$50.00} per month ) Accident and XXXX XXXX XXXX XXXX tuition for children of employees Your paperwork ( job offer letter, Code Of Conduct, and XXXX Form W-4 ) will be sent to you in Soft-copy via email by one of the company 's HR Supervisors. \n\nWhat is your preferred email address? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Financial Strength is related to our organizations financial performance and policies to ensure our continued ability to fulfill XXXX culture, mission, and vision. Financial strength is a basis for strategic planning, new services, decision-making, priority setting, compensation, recognition, and reward. Your payment will be made to you weekly ( Friday of every week ) via direct deposit or check. \n\nWhat is the name of the Financial institution you operate with to see if it tallies with the company 's official salary payment accounts? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Huntington Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] You will undergo a week of training and a week of orientation which will begin as soon as you have all the working materials and you can rest assured that you will be paid for it. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] You will receive your duties online every day and I will always be online to assist you with any difficulties. \n\nCan you handle the Job duties if you are being trained for it? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] You will need Accounting software programs and a Time Tracker to begin your training and orientation and most importantly, you need the software to get started with work as soon as possible. \n\nNOTE : The work of the time tracker is to evaluate your working hours from the company 's server for payment purposes as this will be an online/remote position. \n\nHere are the names of the software programs you will need to start work with : A brand new laptop, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Customized ), and a XXXX XXXX. \n\nAre you familiar with the above software programs? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Some of them. Will the company supply them? \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] The funds needed for the programs and equipment to set up your home office will be provided for you by the company via eCheck. The check will be issued by one of the company 's affiliates in the US to ensure swift delivery. The check will cover the cost of a laptop, printer, scanner, and time tracker with a high-speed internet connection you need to start work with. \n\nEnsure to utilize the funds as instructed for the software programs/working equipment and I will refer you to one of the company 's certified vendors you are to purchase them from at a discount rate due to the company 's long-lasting relationship and bilateral agreement with them. The vendor will be responsible for completing the installation of the software programs with the required updates and patches before shipping them to you. \n\nAll working materials come with our corporate logo branded on them. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] The accountant would like to verify if you are able to handle Mobile banking, specifically mobile check deposits. This is because most of our employees these days use mobile check deposits to receive their startup check. If you are unfamiliar with mobile check deposit, it involves receiving a check PDF copy via email, printing it out, signing and endorsing the back, and taking pictures of the check to process the deposit with your mobile bank app. \n\nThe funds will be available for use within 24 hours or more so you can start purchasing your work materials. If you are able to handle mobile banking and mobile check deposits, please let us know so that we can proceed further steps.\n\nLet me know if you can handle it? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Yes, I can handle mobile banking. I have this ability with my personal bank. \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX AM ] I need you to provide the following information accurately for our employee personnel files : Name : Address : City : State : Zip Code : Cell : To enable my Secretary to enlist it into the company 's database for proper documentation in compliance with the onboarding process. \n\nSome information will also appear on your job offer letter which will be sent to your preferred email. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AM ] You are to choose between these shifts> First shift XXXX XXXX XXXX, Second shift XXXX XXXX XXXX and third shift XXXX XXXX XXXX and you can as well decide to work more hours up to 8 hours as working hours are flexible. Working hours are flexible you can choose every day between the shifts. As for your duties, Ill assist you with any difficulties by email. You can as well work for the whole day and you are % 100 assured of getting paid for it. All activities and corresponding time are to be recorded in an XXXX spreadsheet... You will Earn $ XXXX, You will receive your pay via Pay check or direct deposit weekly, Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Second shift XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ] I believe with the expertise of the company 's supervisors, your training and orientation will go on smoothly without any issues or hindrances if you are willing to learn. Employee Engagement at XXXX is to mobilize all staff to develop and utilize their full potential aligned with the organizations objectives in the areas of character, compassion, competence, compliance, and cooperation. It includes each employee putting forth the extra discretionary effort and the likelihood of remaining loyal with the organization for a long period. The work environment and climate must support the well-being, development, and initiative of staff to achieve full participation and performance excellence. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Do you have any questions at this time? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX AM ] You said that the home office will be provided to me by the company via eCheck, When can this be anticipated. \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] This process will commence as we continue the process on the onboarding signing of the paperwork. \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] This job offers flexible hours but you are to report online by XXXX XXXX ( your time zone ) daily for any duties, tasks, and assignments until your actual work from home begins. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] I believe you have the XXXX messenger app installed on your mobile phone device? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] yes XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay, sorry XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Hang on online for your Paperwork through email as I get back to you shortly with update on getting started okay XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] I need you to check and refresh your email inbox and other folders and let me know once you receive your Paperwork? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] okay, i received the documents XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Sounds good. Have the employment offer letter completed electronically or print off and return as will be forwarded to the HR department for proper documentation. Is that clear? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX, [ XX/XX/XXXX XXXX AM ] i will print of the documents, sign them and return them asap XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Perfect! Hang on online for your start up check through email as i get back to you shortly with an update on getting started with orientation okay. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay, give me 45 minutes, need XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] ink XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Check your email now and notify me if you have received the start up check? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX AM ] printing and scanning currently XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX AM ] Great! Follow up with the instructions printing off the check and make sure you endorse the check properly. Proceed and have the check deposited and send me a screenshot confirmation for the record. \n\nHow soon will it take you to accomplish this task and get back to me here with a deposit confirmation for record as we proceed with more information on getting started? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] about XXXX minutes XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX AM ] Alright, no problem. Take your time. Let me know if you need any help with the instructions or setting things up. Provide to me with the deposit receipt / screenshot confirmation once completed for record and documentation okay XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] attached are the document XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Acknowledged. We are looking forward to working with you soon as a team. If you have any additional questions or require further assistance, please don't hesitate to reach out. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Thank you and have a lovely day. Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Have the start up check deposited and Provide to me with the deposit receipt / screenshot confirmation once completed for record and documentation okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Got it? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] My bank back east will not accept your check XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] How did you try to deposit it? \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] You should know this check format is for digital mobile deposit only. It wont be accepted by ATM or XXXX. A paper check is what they accept. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Via my phone app XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Please hold on for a bit. They ll send you another check that will be compatible with your bank. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] thank you XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] copy of deposit XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Deposit acknowledged. What is the deposit funds availability status at the moment? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] {$500.00} today the rest tomorrow XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] You will be deducting {$200.00} for yourself as that serves as sign on bonus and the reason why the company is giving all the newly employees Sign on bonus is to motivate them on commencement. Is that understood? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Thank you so much! Training hours from XXXX XXXX XXXX XXXX XXXX, correct. Training starts XX/XX/XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] How do i get the computer, with the programs loaded. Do you have a service provider? \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Yes. But training hours will be scheduled between you and your training supervisor that would be attached to you online to begin orientation. \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] For now, You are needed to obtain the Time Tracker and Data Reader from the company accredited vendor which enables us to track the number of hours you spend daily during your training and working hours so you can be paid hourly. Without the Time Tracker, the company will not be able to calculate your training and working hours daily. Its coming from the Company 's verified Vendor, The software vendor will be responsible for installing the software and any update and patches. Your Time Tracker and data reader installation will cost you {$350.00} I believe youre familiar have have access with payment options through XXXX, XXXX wire transfer or cash app? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Yes XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Which of them do you have access to? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] XXXX comes out of the XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Yes, thats what needed for now to ensure they proceed with the software installation on your time track and data reader devices. \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Which of the payment options do you have access to or use regularly? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Got it? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] i can send money thru XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Received with thanks. I need you to keep an eye on the rest funds and notify me once its available for use as I will be on my desk to assist and instruct you on what to do on how to make the whole purchase of your home office working equipment and have them deliver to your home address okay. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay. I will check tomorrow morning first thing at XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Thanks for your accordance. Once again, congratulations on your new job position with XXXX. We look forward to commencing working with you as soon as possible. We make every effort to ensure that employees have exciting and fulfilling careers where learning and growth never cease.\n\nI await your check-in message tomorrow Morning. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Have a wonderful day. I'll be watching the XXXX vs XXXX XXXX tonight.","date_sent_to_company":"2025-02-26T05:18:32.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"85614","tags":"Older American","has_narrative":true,"complaint_id":"12233817","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2025-02-26T04:54:22.000Z","state":"AZ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Just follow the briefing and interview process, you can ask questions when I am through and I will be glad to answer them. Your prompt response would be our priority. 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