{"took":379,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4483939","_score":14.613247,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a tax ID holder, and I do have credit established here in the US, 1. XXXX  : I am paying for credit monitoring and I have no problem accessing my information from my computer or mobile. When accessing the 3 credit bureaus from XXXX, ( which I am paying for ), I have no access to XXXX  or Equifax. I called in XXXX  and they said I have to actually call the companies themselves and file a case which I did, I opened cases two different times with both companies, XXXX  and Equifax about 2 months ago from the 1st complaint and about one month ago for the second complaint, and they promise a response to my email which never happened. \n\n2.XXXX  : I used to have my credit report online updated only once every year ( I was paying XXXX every month to have my credit available anytime I needed it ), I was upset with this and called them to refund my money, which they did, but they removed my access online to the Transunion credit report. I called in about a month ago to have it back, no response. \n\n3. Equifax : I have online access to the free report every month, called my Equifax, but I need it available 24/7 because I'm planning to fix my credit ( I need to know what my credit report is so I can actually go ahead and pay my debts ) ; I tried to upgrade my account to the paid service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am writing you. \n\n4. XXXX XXXX : They gave me a very bad rate considering was the only company will approve me because I am a Tax ID Holder even though my credit was very good at that time. I think this is discrimination.","date_sent_to_company":"2021-06-23T05:50:15.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"22191","tags":null,"has_narrative":true,"complaint_id":"4483939","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-06-23T01:50:11.000Z","state":"VA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Equifax : I have online access to the free report every month, called my Equifax, but I need it available 24/7 because I'm <em>planning</em> to fix my <em>credit</em> ( I need to know what my <em>credit</em> report is so I can actually go ahead and pay my debts ) ; I tried to <em>upgrade</em> my account to the <em>paid</em> service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other problem getting your report or <em>credit</em> score"]},"sort":[14.613247,"4483939"]},{"_index":"complaint-public-v1","_id":"4483930","_score":14.613247,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a tax ID holder, and I do have credit established here in the US, 1. Experian : I am paying for credit monitoring and I have no problem accessing my information from my computer or mobile. When accessing the 3 credit bureaus from XXXX, ( which I am paying for ), I have no access to Transunion or XXXX. I called in XXXX  and they said I have to actually call the companies themselves and file a case which I did, I opened cases two different times with both companies, Transunion and XXXX  about 2 months ago from the 1st complaint and about one month ago for the second complaint, and they promise a response to my email which never happened. \n\n2.Transunion : I used to have my credit report online updated only once every year ( I was paying XXXX every month to have my credit available anytime I needed it ), I was upset with this and called them to refund my money, which they did, but they removed my access online to the Transunion credit report. I called in about a month ago to have it back, no response. \n\n3. XXXX  : I have online access to the free report every month, called my XXXX, but I need it available 24/7 because I'm planning to fix my credit ( I need to know what my credit report is so I can actually go ahead and pay my debts ) ; I tried to upgrade my account to the paid service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am writing you. \n\n4. XXXX XXXX : They gave me a very bad rate considering was the only company will approve me because I am a Tax ID Holder even though my credit was very good at that time. I think this is discrimination.","date_sent_to_company":"2021-06-23T05:50:15.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"22191","tags":null,"has_narrative":true,"complaint_id":"4483930","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-06-23T01:50:11.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["XXXX  : I have online access to the free report every month, called my XXXX, but I need it available 24/7 because I'm <em>planning</em> to fix my <em>credit</em> ( I need to know what my <em>credit</em> report is so I can actually go ahead and pay my debts ) ; I tried to <em>upgrade</em> my account to the <em>paid</em> service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am writing"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other problem getting your report or <em>credit</em> score"]},"sort":[14.613247,"4483930"]},{"_index":"complaint-public-v1","_id":"4483986","_score":14.121707,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a tax ID holder, and I do have credit established here in the US, 1. Experian : I am paying for credit monitoring and I have no problem accessing my information from my computer or mobile. When accessing the 3 credit bureaus from Experian.com, ( which I am paying for ), I have no access to XXXX  or XXXX. I called in Experian and they said I have to actually call the companies themselves and file a case which I did, I opened cases two different times with both companies, XXXX  and XXXX  about 2 months ago from the 1st complaint and about one month ago for the second complaint, and they promise a response to my email which never happened.\n\n2.Transunion : I used to have my credit report online updated only once every year ( I was paying XXXX every month to have my credit available anytime I needed it ), I was upset with this and called them to refund my money, which they did, but they removed my access online to the XXXX  credit report. I called in about a month ago to have it back, no response. \n\n3. XXXX  : I have online access to the free report every month, called my XXXX, but I need it available 24/7 because I'm planning to fix my credit ( I need to know what my credit report is so I can actually go ahead and pay my debts ) ; I tried to upgrade my account to the paid service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am writing you.\n\n4XXXX XXXX XXXX : They gave me a very bad rate considering was the only company will approve me because I am a Tax ID Holder even though my credit was very good at that time. I think this is discrimination.","date_sent_to_company":"2021-06-23T05:50:04.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"22191","tags":null,"has_narrative":true,"complaint_id":"4483986","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-06-23T00:58:09.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["XXXX  : I have online access to the free report every month, called my XXXX, but I need it available 24/7 because I'm <em>planning</em> to fix my <em>credit</em> ( I need to know what my <em>credit</em> report is so I can actually go ahead and pay my debts ) ; I tried to <em>upgrade</em> my account to the <em>paid</em> service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am writing"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other problem getting your report or <em>credit</em> score"]},"sort":[14.121707,"4483986"]},{"_index":"complaint-public-v1","_id":"11954231","_score":13.630864,"_source":{"product":"Credit card","complaint_what_happened":"This past summer XXXX, XXXX. I approved for a new credit card with Chase Bank, I already had an existing card with Chase, this new card would be an upgraded \" airline '' card. I was approved for the new card. I was told that I would need to pay off the balance of the old card and I would be able to close it, since I didn't need two \" airline '' cards. I paid off the balance in full with the customer service rep on the phone. Chase then closed my credit card and within a few weeks that card disappeared off my online banking profile and I wasn't able to see it any longer. Fast forward to late XXXX I received a notice via my credit monitoring system that I was getting a 30+ day late alert on one of my Chase credit cards, the amount late was {$7.00}. I called Chase to find out what was going on. I was told that the {$7.00} was charged after I closed the account and that it was \" interest '' from the balance, which goes against what I was told would happen on the phone. I paid the balance in full, which resulted in the fact that Chase took that card off of my banking dashboard. \n\nI spoke to a representative in mid XX/XX/XXXX who looked into my issue and after being on hold for some time she came back and said that I should not have been billed the {$7.00} and that she would submit reports to have my credit report fixed by XX/XX/XXXX. Fast forward to XX/XX/XXXX the credit report had not been updated. I called Chase to find out why the credit report had not been fixed. I was told that the issue would be looked into, the representative than said that the issue was not the fault of the bank, which is in direct conflict with the other representative stated to me in XXXX. I tried to explain that had I known that I had a little {$7.00} intrest charge I would have certainly paid it off, it's {$7.00}!! I pay my balance off all the time which are thousands of dollards. The representative would not budge, and she said my credit report would remain in place that I have a 30+ late payment. This mark on my credit report has decreased my credit score and could hinder in my ability to purchase a first time home. I had planned to get the mortage with Chase Bank, but the same bank who is penalizing me for a {$7.00} late fee on a closed credit card, even though I have two other credit cards with them. This is absolutly crazy. I wouldn't get a mortage with Chase now if my life depended on it, and I'm looking into moving all of my banking to another regional bank who really does care about their customers.","date_sent_to_company":"2025-02-05T16:13:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"33064","tags":null,"has_narrative":true,"complaint_id":"11954231","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-02-05T15:53:12.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I approved for a new <em>credit</em> card with Chase Bank, I already had an existing card with Chase, this new card would be an <em>upgraded</em> \" airline '' card. I was approved for the new card. I was told that I would need to pay off the balance of the old card and I would be able to close it, since I didn't need two \" airline '' cards. I <em>paid</em> off the balance in full with the customer service rep on the phone."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[13.630864,"11954231"]},{"_index":"complaint-public-v1","_id":"2554373","_score":8.652885,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Advertised that 0 % on purchases for 18 months. Got card and called to activate and confirmed due date to pay off. Said do not have offer. Offer is still online. Cancelled card and supervisor said no longer available but offer is still online. They are connecting with advertising dept. The card is Wells Fargo Plantinum Visa. Please look into this false advertising, bait and switch by Wells Fargo and refusal to honor their current online promotion. Wells Fargo logo Wells Fargo logo Wells Fargo Platinum Visatrademark Card Apply for one of our lowest introductory APR cards and take control of your credit health with us. Home Wells Fargo Platinum Visatrademark Card Wells Fargo PLATINUM card Save with our Lowest Intro APR 0 % Intro APR for 18 months on purchases and balance transfers. After that your variable APR will be 16.15 % to 25.99 %. Balance transfer fees apply. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Excellent For : LOW INTRO APR BALANCE TRANSFERS NO ANNUAL FEE opens in overlaySee Terms & Conditions Apply Now button Card Features Percent icon Lowest Intro APR for 18 months on purchases Balance transfer icon Lowest Intro APR for 18 months on balance transfers No Fee icon {$0.00} Annual Feeopens in overlay See Terms & Conditionsopens in overlay Additional Features Free Access to Your XXXXtrademark Credit Score Find out where you stand when it comes to your credit. Get free access to your XXXXtrademark Score and more through Wells Fargo Onlinetrademark.1 XXXX ( Registered Trademark ) Score report example XXXX ( Registered Trademark ) Score report example Cell Phone Protection When you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card, youll get up to {$600.00} of protection ( subject to {$25.00} deductible ) against covered damage or theft.2 Cell phone with broken screen Cell phone with broken screen check mark icon My Money Map Make smarter decisions about your financial future with easy-to-use tools that help you create a budget and manage your spending. check mark icon Chip Technology For better protection against fraud when used at a chip-enabled terminal. check mark icon Rapid Alerts Monitor your spending, purchases and any suspicious activity with fast text and email alerts and notifications.3 Other  Cards That Might Interest You Previous Next CASH REWARDS Wells Fargo CASH WISE card Wells Fargo Cash Wise Visatrademark Card EVERYDAY REWARDS Wells Fargo PROPEL card Wells Fargo Propel XXXX XXXX Card Please note that the offers displayed on this page may differ from offers you may have received from Wells Fargo . Please refer to your offer specific disclosures for more details. Credit card subject to credit qualification. Generally, we will apply your minimum payment first to lower APR balances ( such as Purchases ) before balances with higher APRs ( such as Cash Advances ). You must be a citizen or a permanent resident alien of the U.S. to qualify for this credit card. Nonresident aliens may want to consider applying for a secured credit card by visiting https : //www.wellsfargo.com/XXXX. 1. You must be an account holder of a Wells Fargo consumer credit product with a XXXXtrademark Score on record. Important : There are many factors that Wells Fargo looks at to determine your credit options, therefore a specific XXXXtrademark Score or Wells Fargo credit rating does not necessarily guarantee a better loan rate, approval of a loan or an automatic upgrade on a credit card. XXXX is a registered trademark of XXXX XXXX XXXX in the United States and other countries. Your mobile carrier 's rates may apply. 2. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer credit card cardholder for damage to or theft of a cellular wireless telephone. Eligible Cellular Wireless Telephones are limited to the primary line and up to the first three additional lines as listed on your provider 's monthly statement. Cellular Telephone Protection is subject to a {$25.00} deductible per claim and a maximum of 2 claims per 12 month period. The maximum benefit limit is {$600.00} per occurrence and {$1200.00} per 12 month period. You will receive no more than the value of the original phone or a replacement phone with similar features and functionality, less a {$25.00} deductible. This benefit does not cover cellular telephones that are lost. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, or from the card that is linked to a Line of Credit. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Electronic failure or issues related to the software of the device are not covered. Cellular telephone protection coverage begins the first day of the calendar month following your first cellular telephone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cellular telephone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage you may have presently or in the future, such as your homeowner 's or automobile insurance policies, or through a plan provided through the seller of the telephone. For complete coverage benefits and exclusions regarding this protection call XXXX, 24 hours a day, seven days a week, or read all the coverage benefits and exclusions within the PDF document provided ( PDF ). Note : Call your cellular provider ( or log on to their website ) and request to set up automatic payments. Setting up automatic payments is not required to qualify for this cellular telephone protection benefit ; however, you need to pay your monthly cellular telephone bill with your eligible Wells Fargo Consumer Credit Card to get up to {$600.00} protection. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC. 3. Your mobile carriers message and data rates may apply. Copyright XX/XX/XXXX-XX/XX/XXXX Wells Fargo Bank, N.A. All Rights Reserved Wells Fargo PLATINUM card","date_sent_to_company":"2017-06-20T19:41:19.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"913XX","tags":"Older American","has_narrative":true,"complaint_id":"2554373","timely":"No","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-06-20T19:31:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["This protection is only available when cell phone bills are <em>paid</em> from your Wells Fargo Consumer <em>Credit</em> Card. The coverage does not apply if the cell phone bill is <em>paid</em> from a Wells Fargo Debit Card, Wells Fargo Business <em>Credit</em> Card, or from the card that is linked to a Line of <em>Credit</em>. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid <em>plan</em>. Electronic failure or issues related to the software of the device are not covered."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[8.652885,"2554373"]},{"_index":"complaint-public-v1","_id":"10449806","_score":6.824322,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, at XXXX hours, after trying to combine my and my wife 's Experian monitoring services for upwards of a year, I spoke with XXXX, an Experian representative in the XXXX. I advised XXXX that I was recording the call. The conversation lasted XXXX minutes, including XXXX ( also located in the XXXX ), who disconnected the call without calling back. Experian indicates they record calls for \" training purposes '' and can verify my recap, provided they don't claim they didn't record this call, as I suspect they might. \n\nIn our conversation, I asked XXXX if she could combine my wife 's and my accounts, reducing our monthly cost of {$49.00}. I mention this because I asked many Experian [ XXXX ] workers a dozen or more times, but none ever understood what I wanted. XXXX understood my requests. She said she would combine the XXXX accounts, and I would pay the {$29.00} XXXX XXXX price instead of {$49.00}. I directly asked XXXX about continuing to receive \" XXXX '' updates from XXXX and XXXX, and XXXX said there would be no change. Her words were \" correct '' and \" that's correct '' in the context of my questions. Throughout the call, I reiterated my concerns regarding \" changes '' to the XXXX XXXX account. XXXX repeatedly said there would be no changes except to billing and loss of benefits for my wife. XXXX added that all logins, credentials, and reports would remain as they were before upgrading to the XXXX XXXX. XXXX understood all my questions and was responsive and definitive with her answers, as you or anyone else can hear in my Experian recordings. \n\nMy wife and I had Experian memberships that cost {$24.00} monthly. I also pay for my son 's membership. All accounts have daily Experian reporting with XXXX score updatesand XXXX reports with FICO score updates from XXXX and XXXX. I have paid my wife 's account for nearly XXXX years, mine for over XXXX years, and my son 's account for about XXXX years. I have spent approximately {$5500.00} to {$6000.00} with Experian. It is paramount to note that my wife, son, and I have had agreements with Experian for years, and no one has modified or altered them. After combining the XXXX ( mine and my wife 's ) accounts, you will read that Experian made XXXX changes to the reporting time frame without written or verbal notification to my wife or me. If calculated together, the changes would cost us an additional {$470.00} annually and {$11000.00} using the average lifespan of Americans. Adding insult to injury, after 22 days ( inclusive of XXXX telephone calls, XXXX odd wasted hours on the telephone, no return calls as promised by Experian, XXXX messages left for managerial staff ( XXXX XXXX and XXXX XXXX ) XXXX emails which Experian sent, and being offline with my wife 's account for 22 days ) I was told by XXXX XXXX, XXXX XXXX XXXX day after this fiasco began, that XXXX \" had made a mistake '' and that she [ XXXX XXXX ] was `` sorry, but there wasn't anything or anyone that could change the situation. '' In effect, she told me to pound sand. I do not accept this type of treatment and waste of my time by anyone or any company. I paid for Experian services and relied on their employee 's words. I lost a 5.6 % refinance rate on my home because of Experian 's ineptitude, combining my and my wife 's accounts. Being \" sorry '' doesn't solve anything for me. Experian has done this to thousands of paying customers ( if not more ) who walked away. However, I will not be taken advantage of by Experian 's trite and insulting response after costing me tens of thousands of dollars and wasting my valuable time. \n\nAt the end of my conversation with XXXX, I reiterated the same question about everything remaining the same. XXXX again said, \" Yes, everything will remain the same. '' XXXX assured me that once I hung up, I could log into both accounts in the same manner as before, with nothing changed. At the end of the phone call, I logged into my wife 's account and received an error message indicating that her account was closed. I quickly called back and spoke with XXXX in the XXXX at XXXX hours. XXXX, in turn, transferred me to XXXX  ( not the supervisor I requested ) in the U.S., where he placed me back in the general queue after another XXXX minutes to find out why I was getting the \" closed account '' message. I called back twice ( totaling XXXX calls ) on XX/XX/XXXX, once at XXXX hours, when XXXX in the XXXX hung up on me or the IP line connection failed ; both seem regular occurrences when speaking with Experian XXXX  employees. Again, at XXXX hours, when I talked to XXXX, who transferred to XXXX ( where I was supposed to go when XXXX told me she was transferring XXXX minutes earlier ), a XXXX supervisor issued a credit that did nothing to offset or resolve the problem. XXXX told me I should wait for Experian 's callback or email instructions to reconnect my wife 's account, which should be by the end of the day or early the following day, but neither occurred. Once again, Experian 's recording of XXXX and my call will corroborate that I am restating an accurate accounting of what XXXX and others told me. \n\nThe situation began going sideways at this point because I went online to check if I could access my report. My report showed that \" updates '' were changed from XXXX to 90 days when I logged in. Based on my wife 's closed account, I assumed my status changed from a paid to a free account ( see attached jpg ). I became aware days later that Experian had changed my account status without notification. Experian increased my updates to 90 days from years of providing 30-day updates. Neither XXXX nor anyone else mentioned this would occur ( in XXXX proceeding telephone calls ), which you can hear in my and Experian 's recorded conversations. Not XXXX of the XXXX and more U.S.-based and XXXX  representatives knew about the status change until someone ( my guess is XXXX XXXX ) handed it down to XXXX XXXX 22 days after this entire fiasco began. Please note that I had spoken with XXXX XXXX multiple times without her knowledge ( or advice ) of the change in status until XX/XX/year>. \n\nI won't detail the XXXX calls I've mentioned previously ; for 22 days, I had to deal with untrained, ill-versed, and bumbling offshore non-English speaking Experian personnel who couldn't or wouldn't respond to any of my questions in a logical, lucid, or helpful way. And I won't detail the over XXXX hours of my wasted time on these phone calls because it would be repetitive. Suffice it to say, the XXXX Experian employees I spoke with didn't have an answer to a single question or a fix to the issue until XXXX weeks and a day later when XXXX XXXX XXXX XXXX that XXXX had `` made a mistake. '' I called Experian XXXX times because Experian never followed through on any promises and never indicated how long I would have to wait for my wife 's account to reconnect. Numerous emails stated I had not added an adult to my family plan. However, several Experian agents told me to ignore all those emails as they were automated system messages ( see JPEGs ). All the while, Experian knew it was urgent to know my wife 's FICO score to reduce my mortgage rate with a refinance. Every call I made led to the same promises-not kept hang-ups and transfers to nowhere or the wrong department. I can detail all the calls based on my recordings and hours wasted on the phone with untrained, non-English speaking XXXX and XXXX XXXX workers. However, they are all the samethe right hand doesn't know what the left hand is doing at Experian. Experian responses to service and product information can never be counted on, especially from XXXX and XXXX XXXX workers. I now believe that statement is also true for most U.S.-based employees that consumers can speak to. \n\nDespite my repeated efforts, the issue still requires a resolution. Experian says I must pay them {$470.00} annually or {$11000.00} [ annualized ] over my and my wife 's life expectancy to have the same service I had before I converted to the Family Plan. XXXX XXXX says there is \" no other way '' to deal with the misinformation that took 22 days to be recognized by upper management at Experian. I assert that Experian is untruthful and is trying to backtrack on commitments made to hundreds of thousands of customers ( maybe millions ) for XXXX XXXX and XXXX updates XXXX \n\nPlease remember that I indicated at the top of this complaint that I paid for my son 's Experian report. You will find that his credit report continues to be updated by Experian daily and by XXXX and XXXX at thirty-day increments, including FICO Scores ( please refer to XXXX A ). XXXX XXXX told me that XXXX XXXX and XXXX updates are no longer possible in the Experian system. What XXXX XXXX relayed to me is untrue. Please consider the multitude of Experian paying consumers who are given the same information and accept it.","date_sent_to_company":"2024-10-14T19:21:15.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"89141","tags":"Older American","has_narrative":true,"complaint_id":"10449806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-14T18:54:50.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I assert that Experian is untruthful and is trying to backtrack on commitments made to hundreds of thousands of customers ( maybe millions ) for XXXX XXXX and XXXX updates XXXX \n\nPlease remember that I indicated at the top of this complaint that I <em>paid</em> for my son 's Experian report. You will find that his <em>credit</em> report continues to be updated by Experian daily and by XXXX and XXXX at thirty-day increments, including FICO Scores ( please refer to XXXX A )."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other problem getting your report or <em>credit</em> score"]},"sort":[6.824322,"10449806"]},{"_index":"complaint-public-v1","_id":"2680977","_score":4.0129147,"_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":["See <em>Monitoring</em> 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."]},"sort":[4.0129147,"2680977"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":7,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":7}]}},"product":{"doc_count":7,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Credit card or prepaid 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