{"took":1032,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":16,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14444628","_score":17.371576,"_source":{"product":"Credit card","complaint_what_happened":"I activated the Chase Sapphire Preferred XXXX benefit in early XXXX, which entitles eligible cardholders to free XXXX membership when activated through XXXX and paid with the Chase card. I followed all steps exactly as outlined : I clicked the Activate button on the Chase offer page, added my Chase Sapphire card as the default payment method in XXXX, and assumed the benefit had applied. \n\nHowever, I was still charged the standard XXXX subscription fee through my Chase card, despite being eligible for complimentary service. XXXX support later told me the benefit did not apply because I already had an active XXXX subscription, and that I would have needed to cancel it first. That requirement was not disclosed during the activation process, and I received no warning or confirmation that my activation attempt had failed. \n\nIn effect, the offer appeared to activate but silently failed, and I was charged for a service that should have been free under the terms of the promotion. \n\nI contacted XXXX support, who acknowledged that I am eligible and suggested I re-enroll when my current subscription ends. They canceled my XXXX, but refused to reimburse the charges Ive paid since activating with Chase despite their own documentation stating I am entitled to at least XXXX months of complimentary XXXX access. \n\nI am not seeking the additional XXXX XXXX XXXX credits that are part of the offer only a refund of the XXXX charges billed to my Chase card after I followed the activation steps in good faith. \n\nThe Chase and XXXX partnership marketing did not make this requirement clear, and the user experience failed to enforce it, leading to unexpected charges.","date_sent_to_company":"2025-07-03T18:39:14.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"92104","tags":null,"has_narrative":true,"complaint_id":"14444628","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-03T18:07:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["However, I was still charged the standard XXXX subscription fee through my Chase card, despite being eligible for complimentary service. XXXX support later told me the benefit did not apply because I already had an active XXXX subscription, and that I would have needed to cancel it first. That requirement was not disclosed during the activation process, and I received no warning or confirmation that my activation attempt had failed."]},"sort":[17.371576,"14444628"]},{"_index":"complaint-public-v1","_id":"13295746","_score":14.494512,"_source":{"product":"Credit card","complaint_what_happened":"I was using this credit card to pay for subscription services I was using. I am not sure when the account was closed but on XX/XX/XXXX a charge was refused and the provider of the service charged anther credit card they had on file for me. ( It is not the card I would have chosen if they had given me any warning ). The XXXX vendor to be refused did not have an alternate card so they canceled my service on XX/XX/XXXX. This is when I called the service provider to find out why the had discontinued my service. They told me the credit card account was closed. \n\nAt this point ( XXXX ) I contacted the credit card company. They told me that the account was closed by the XXXX XXXX because under the credit card agreement they could. When I asked what provision of the agreement I had violated, they would not tell me. They told me the reason was in a letter which had been sent by the committee, which letter I had not received. A few days later I received a letter from them stating that they closed the account because they could. \n\nI had a balance of {$9.00} of bonus reward points under their agreement. When I asked for this amount to be redeemed, they told me that they had a policy of not returning these points if they were less than {$15.00}. When I told them I could not earn more points because they closed my account. They said that was just too bad. \n\nI should mention that the account was current and had been since it was opened in 2022. My complaint is that they did not give me sufficient warning about the closure for me to make alternate arrangements. This cost me about XXXX bonus rewards from other credit cards. And they closed my account at such a time to cause me to lose my rewards of {$9.00} which is of course to their benefit. This also seems to be indicative of a process established by this bank to help them selves at customers expense. I would look for ths to be wide-spread.","date_sent_to_company":"2025-05-02T22:21:05.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"78613","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"13295746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2025-05-02T21:06:44.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I was using this credit card to pay for subscription services I was using. I am not sure when the account was closed but on XX/XX/XXXX a charge was refused and the provider of the service charged anther credit card they had on file for me. ( It is not the card I would have chosen if they had given me any warning ). The XXXX vendor to be refused did not have an alternate card so they canceled my service on XX/XX/XXXX."]},"sort":[14.494512,"13295746"]},{"_index":"complaint-public-v1","_id":"3129131","_score":11.964187,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2019, I saw an ad for Emollient moisturizer on XXXX that claimed a risk free use of the product if you paid the shipping fee only of {$4.00}. It was endorsed by the XXXX XXXX XXXX show personality. It said that it would show on my bank statement as XXXX XXXX as the vendor name. So I paid the shipping fee of {$4.00} and also paid for the Emollient eye cream for the same deal as the moisturizer at {$4.00} shipping fee. However, when I checked out there was a {$1.00} charge for recycling fee added to the shipping fee for the moisturizer which when I received the moisturizer it didn't even come in a box. I haven't even used the products yet because I'm waiting for my current moisturizer and eye cream to run out. So fast forward to XX/XX/2019, I look at my bank account on line and find that there is a pending charge for {$79.00} from XXXX XXXX. So I call the phone number that is on my bank statement ( XXXX ) and speak to a customer service representative that says in the fine print at the very bottom that I had 14 days to cancel my subscription for the product and get a refund for the two products that I ordered. I asked if I could return them since I had not used them yet and he informed me that it would be a restocking fee so well as two week process time and another {$10.00} for a shipping fee. I told him I had no idea that you had to cancel within 14 days not to be charged. I thought risk free meant just that -- risk free. In my research to find the website on the internet and XXXX I have found out that this is widely known scam on XXXX and that there are warnings from bloggers not to fall or buy from these sites. I would like a full refund of the {$79.00} plus the two {$4.00} charges for shipping and the {$1.00} recycling charge and I will gladly send the products back at my own cost at the address the seller provides. Thank you!","date_sent_to_company":"2019-01-19T23:42:42.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"43232","tags":null,"has_narrative":true,"complaint_id":"3129131","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-01-19T23:05:17.000Z","state":"OH","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["In my research to find the website on the internet and XXXX I have found out that this is widely known scam on XXXX and that there are warnings from bloggers not to fall or buy from these sites. I would like a full refund of the {$79.00} plus the two {$4.00} charges for shipping and the {$1.00} recycling charge and I will gladly send the products back at my own cost at the address the seller provides. Thank you!"]},"sort":[11.964187,"3129131"]},{"_index":"complaint-public-v1","_id":"19687361","_score":11.4010935,"_source":{"product":"Credit card","complaint_what_happened":"I have been an American Express customer since XXXX and upgraded to XXXX XXXX XXXX in XX/XX/XXXX after repeated upgrade offers. My account was on autopay and paid in full monthly, including charges for American Express XXXX. \n\nMy most recent statement was issued XX/XX/XXXX. \n\nOn XX/XX/XXXX, I received an email reminding me to add my American Express card to my digital wallet. \n\nOn XX/XX/XXXX, I received my monthly XXXX monitoring results. \n\nOn XX/XX/XXXX, I received an email stating that my American Express XXXX subscription had been canceled. \n\nAfter receiving that XXXX cancellation, I logged into my American Express account and saw that my credit card account was closed. I then called American Express on the evening of XX/XX/XXXX. During that call, I was told for the first time that my credit card account had allegedly been closed on XX/XX/XXXX, due to minimal activity and my XXXX score. \n\nOnly AFTER that phone call did I log into the American Express website and discover a cancellation letter buried in secure messages dated XX/XX/XXXX, which had been posted on XX/XX/XXXX. I received no email notification that a secure message had been posted and no letter by mail. \n\nOn XX/XX/XXXX, I also received promotional offers for my American Express card. \n\nBefore I was ever informed by phone that my account had been closed : Autopay processed normally I received XXXX monitoring results I received promotional card offers These communications occurred around and after the alleged XX/XX/XXXX closure date and demonstrate inconsistent system behavior. If the account was truly closed on XX/XX/XXXX, I should not have continued receiving account-related monitoring and promotional communications. \n\nThis was an automated shutdown without a timely customer notice. \n\nThe closure reduced my available credit and caused direct financial harm. I relied on this account to maintain credit stability while relocating, and my XXXX score decline was due to credit changes related to the relocation. I also paid monthly for American Expresss own XXXX service specifically to support my credit. Despite this, the account was closed without warning. The sudden loss of this credit line now affects my ability to meet existing obligations, including paying my attorney. \n\n\nI am not disputing American Expresss right to review accounts. I am disputing the lack of timely notice, the fact that I had to discover the cancellation letter myself after calling, continued servicing after closure, and the financial harm caused by an automated decision without meaningful customer warning. \n\nI am requesting : 1. Review for reinstatement of my account with restoration of my prior credit limit, given that the account was current, paid in full, and actively subscribed to an American Express service at the time of closure 2. Written documentation of all closure communications and proof of delivery 3. Confirmation that this action was triggered by automated risk modeling 4. Correction or removal of negative credit reporting related to this closure 5. Written confirmation that no further negative reporting will occur 6. A formal written explanation of why I continued receiving account-related communications despite the alleged XX/XX/XXXX closure date","date_sent_to_company":"2026-02-22T04:15:20.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"13088","tags":null,"has_narrative":true,"complaint_id":"19687361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-02-22T02:35:46.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Despite this, the account was closed without warning. The sudden loss of this credit line now affects my ability to meet existing obligations, including paying my attorney. \n\n\nI am not disputing American Expresss right to review accounts. I am disputing the lack of timely notice, the fact that I had to discover the cancellation letter myself after calling, continued servicing after closure, and the financial harm caused by an automated decision without meaningful customer warning."]},"sort":[11.4010935,"19687361"]},{"_index":"complaint-public-v1","_id":"6984641","_score":11.109297,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau : I'm filing a complaint against Rozlin Financial Group , Inc. ( RFGI ) with the mailing address of : XXXX XXXX XXXX XXXX, IL XXXX. RFGI is a debt-collection company. The contact there is XXXX XXXX. She may be reached at ( XXXX ) XXXX and/or XXXX. \n\nRFGI is attempting to collect a debt from me totaling {$510.00} on behalf of the online dating company, XXXX, with the address of : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX may be contacted at XXXX. \n\nI have disputed the alleged debt in writing through email communication with XXXX and RFGI. Both have denied in writing by email communication my assertion that I do not owe XXXX any money. \n\nBelow is the letter I sent this morning to RFGI contesting the debt : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, IL XXXX Dear RFGI : Thank you for your XX/XX/XXXX email informing me that you are attempting to collect a debt on behalf of XXXX totaling {$510.00}. \n\nPlease accept this letter as a formal dispute of that debt. Please note I am replying prior to the XX/XX/XXXX deadline you stated in your XX/XX/XXXX email. \n\nIm writing you to inform you that I do not owe XXXX any debt as outlined in your XX/XX/XXXX email with the reference number : XXXX. \n\nThe address you listed for me is inaccurate. In your XX/XX/XXXX email, you list my address as : XXXX. I have not resided at that address since prior to XXXX XXXX, XXXX. No credit card or banking information that is mine has listed that address as my billing and mailing address since I moved on XXXX XXXX, XXXX, to my current address : XXXX. \n\nWhy was/is XXXX permitted to charge me {$510.00} when I did not authorize this charge, and when the billing information that RFGI and, apparently, XXXX possesses is incorrect? \n\nAs stated above, I did not authorize this charge to my credit card. My bank, XXXX XXXX, informed me by email on XXXX XXXX, XXXX, that it had detected some unusual activity on your XXXX XXXX Credit Card ending in XXXX. XXXX XXXX automatically declined the charge totaling {$510.00}. I have attached a PDF of the email I received from XXXX XXXX regarding this incident. I contacted XXXX XXXX and reported the fraudulent charge. XXXX XXXX canceled that credit card and issued me a new one. \n\nTo further ensure that XXXX no longer could charge my credit card without my authorization, I accessed my XXXX account for the first time in roughly 11 months. At that time, I observed that the company still listed me as a subscribing member despite me not signing up for membership continuation nor receiving any notice from XXXX that the company would be charging me any amount without my authorization. I canceled my membership to halt the automatic renewal the company was/is attempting to force upon me and charge me for without my authorization. I explained this situation to XXXX XXXX and the bank agreed this constituted a fraudulent charge perpetrated by XXXX. \n\nXXXX then obtained my replacement XXXX XXXX credit card information and charged the replacement card {$510.00}. I notified XXXX XXXX of this second fraudulent charge by XXXX. XXXX XXXX declined the charge and issued me another replacement card. XXXX XXXX informed me that the bank would block further attempts by XXXX to charge my credit card. \n\nAt this point, I understood the matter to be resolved. But on XXXX XXXX, I received an email from XXXX stating that the company had sent me a payment reminder on XX/XX/XXXX. I did not receive that XXXX XXXX email or any other email or communication from XXXX. Otherwise, I would have immediately disputed the charge, as I did on XXXX XXXX. \n\nI replied on XXXX XXXX to XXXX informing the company that I did not owe XXXX any money. I stated that XXXX XXXX agreed that XXXX twice had attempted to fraudulently charge me and twice issued me a new card, so XXXX could not continue to charge me without my authorization. I also informed the company that I had canceled my membership. And I forwarded XXXX the attached XXXX XXXX email from XXXX XXXX alerting me of unusual activity on my credit card i.e., XXXX attempting to fraudulently charge me {$510.00}. \n\nXXXX on XX/XX/XXXX emailed me informing me that I had purchased a multi-payment subscription which still has 6 payments remaining. I replied to XXXX that same day, informing the company the following : I did not purchase \" a multi-payment subscription. '' I did not approve the charge XXXX attempted to transact with my XXXX XXXX credit card. XXXX charged my card without my consent. \nThis is why XXXX XXXX declined XXXX initial attempt to charge my credit card. XXXX XXXX issued me a new card due to this fraudulent charge and XXXX then attempted also to charge that card. After discussing the situation with XXXX XXXX, XXXX XXXX officials agreed I did not make or approve the purchase and that the charge was fraudulent. \nI had not used or logged onto XXXX in roughly 11 months when XXXX charged my credit card. So, it was clear I no longer was an eHarmony customer, just as it was and is clear that I would not have purchased or approved a purchase for an eHarmony service or product that I was not using. \n\nI also ccd XXXX XXXX on each correspondence I had with XXXX. \n\nPlease halt the collection of {$510.00} you currently seek on behalf of XXXX. I do not owe the company any money. \n\nThank you for attention to this matter, and appreciate you closing it and considering the issue resolved. \n\nSincerely, XXXX XXXX XXXX Below is the response I received from RFGI this afternoon : -- -- -- -- -- Forwarded message -- -- -- -- - From : RFGI Customer Service XXXX Date : Tue, XX/XX/XXXX at XXXX Subject : RE : Online Dispute To : XXXX Good Afternoon XXXX, Thank you for reaching out. Upon review of documentation provided by XXXX, your original subscription placed on XX/XX/XXXX was paid in full. Subscriptions renew automatically to provide customers with uninterrupted service. For your convenience this is mentioned during the purchase process, in the order confirmation, and in the Terms and Conditions. As the auto renewal was not deactivated, a 12-month renewal subscription totaling {$470.00} ( plus applicable sales tax of {$31.00} ) made payable in 1 payment continues the same terms until you cancel and was enacted on XX/XX/XXXX. Unfortunately due to a chargeback, your installment payment did not go through leaving the full balance {$510.00} which has been placed with us. Do you have a cancellation notice from before the renewal date of XX/XX/XXXX? If so, you can email that to us and, once confirmed, we can close this case right away for you. If cancellation is made after the auto renewal date, cancellation unfortunately will not affect your obligation to pay the total contractual amount due on your subscription. You can review eHarmonys Terms and Conditions regarding cancellation here : XXXX XXXX XXXXXXXX. The order confirmation that was received upon purchase of the subscription explained the auto renewal pricing and enactment date along with instructions on how to cancel. I have attached the order confirmation and payment reminders that were sent to you for your reference. I have also attached a sample screenshot of the details that are provided on the website before you subscribe for your review. It shows the price, total installment amounts and how many installments, the term length, renewal information, etc. It states the following : I authorize XXXX to charge my account now and upon each monthly payment and each renewal. You agreed to the terms and conditions when checking the box and clicking subscribe now. If you were refunded by your banking institution that did not erase the outstanding debt due to XXXX as you were credited and they were rebilled. A decision by your banking institution is not a legal judgement, it only refers to the payment method and not the actual legality of the debt. We do not own this account but are contracted by XXXX to collect on outstanding balances on their behalf. We are not authorized to write off the balance. Please let me know if I can be of further assistance. \n\nXXXX XXXX Rozlin Financial Group , Inc . \nXXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX ID : XXXX New York XXXX XXXX XXXX XXXX North Carolina Permit XXXX XXXX This is an attempt to collect a debt. Any information obtained will be used for that purpose. Rozlin Financial Group, Inc ( RFGI ) is a debt collector. \n\nTo opt out of receiving e-mails, respond \" OPT-OUT '' IMPORTANT : The contents of this email and any attachments are confidential. It is strictly forbidden to share any part of this message with any third party, without a written consent of the sender. If you received this message by mistake, please reply to this message and follow with its deletion, so that we can ensure such a mistake does not occur in the future. \n\nXXXX I expect companies with auto-renew policies such as XXXX to be more transparent, respect user privacy and be prevented from financial predation on unaware customers myself in this instance. Any and all companies of this kind should send a reminder email to alert the customer a renewal charge is upcoming. \n\nThis is my experience with all other companies with which I have subscriptions. \n\nWhat XXXX, and RFGI by extension, has done is charge me for a service I hadn't used in roughly 11 months without reasonable warning that another charge was imminent. \n\nHad I received such a notification, I would have canceled my membership and halted my subscription. This practice is predatory at best and fraudulent at worst. Companies with an ethical and moral compass do not engage in such practices. I am surprised that such corporate behavior continues while competitor companies do their best to be reasonable with customers, ensuring fairness and loyalty. \n\nFor example, I experienced this identical situation with the online dating company, Coffeemeetsbagel.com. The customer-service representative I communicated with there immediately refunded me the charge, eliminated the debt and canceled my subscription. \n\nXXXX would do well to follow this example.","date_sent_to_company":"2023-05-16T22:48:17.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"78704","tags":null,"has_narrative":true,"complaint_id":"6984641","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rozlin Financial Group, Inc.","date_received":"2023-05-16T21:49:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["This is my experience with all other companies with which I have subscriptions. \n\nWhat XXXX, and RFGI by extension, has done is charge me for a service I hadn't used in roughly 11 months without reasonable warning that another charge was imminent. \n\nHad I received such a notification, I would have canceled my membership and halted my subscription. This practice is predatory at best and fraudulent at worst. Companies with an ethical and moral compass do not engage in such practices."]},"sort":[11.109297,"6984641"]},{"_index":"complaint-public-v1","_id":"17131928","_score":10.932175,"_source":{"product":"Credit card","complaint_what_happened":"I have been a Citibank XXXX XXXX XXXX credit card customer for approximately XXXX years, always paying on time, and I have an excellent credit score ( around XXXX ). My account has always been set to AutoPay for the full statement balance, and I have never missed a payment. \n\nFor payment balance on XX/XX/XXXX, I was scheduled to pay {$3100.00}. I changed my automatic payment on XX/XX/XXXX to {$300.00}. \nHowever, the mobile app appears to have pulled the payment from my other bank account that I no longer use. I had selected my current checking account, but the app pulled from a different/older account. I have screenshots showing that the correct account was selected in AutoPay settings. I didnt know this happened. Furthermore, my monthly statement showed they took {$3100.00} on XX/XX/XXXX and {$300.00} on XX/XX/XXXX. See attached. I didnt realize the error from the mobile application until XX/XX/XXXX. I immediately called Citibank because the app said my account was closed! \n\nDespite the successful payment of {$3100.00} and my long positive payment history : Citibank closed my account without any notice. \nThe closure letter is dated XX/XX/XXXX, but I did not receive it until XX/XX/XXXX. \nCitibank representatives told me they could not discuss the closure beyond saying I had XXXX or more returned payments. \n\nI was not given : Any advance warning, Any opportunity to correct the issue, Any communication by email or phone prior to closure. \n\nThis sudden closure caused multiple automatic subscription payments to decline, including XXXX, XXXX, XXXX XXXX, and others, disrupting my services. \n\nWhen I called Citibank on XX/XX/XXXX, they refused to speak about why the closure occurred, stating only that the account was closed and could not be reopened. They would not escalate the call or give me documentation beyond the generic closure letter. \nXXXX. The AutoPay system appears to have malfunctioned by debiting the wrong bank account. \nXXXX. Citibank closed my account even though a payment posted within XXXX days of the due date. \nXXXX. I received no advance notice or chance to fix the payment issue. \nXXXX. I may lose the cash rewards from the travel charges ( approximately {$14000.00} of spending ). \nXXXX. I was charged excessive fees {$30.00} for statement ending on XX/XX/XXXX and {$41.00} pending. Thats {$71.00} dollars???? And my payment was on time? \n\nGiven my XXXX perfect payment history and excellent credit score, I believe the account closure was premature and punitive, and possibly based on an AutoPay system error.","date_sent_to_company":"2025-11-11T05:23:38.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"021XX","tags":"Older American","has_narrative":true,"complaint_id":"17131928","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-11-11T04:26:19.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["However, the mobile app appears to have pulled the payment from my other bank account that I no longer use. I had selected my current checking account, but the app pulled from a different/older account. I have screenshots showing that the correct account was selected in AutoPay settings. I didnt know this happened. Furthermore, my monthly statement showed they took {$3100.00} on XX/XX/XXXX and {$300.00} on XX/XX/XXXX. See attached."]},"sort":[10.932175,"17131928"]},{"_index":"complaint-public-v1","_id":"2550238","_score":10.884443,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have been a Chase credit card customer for approximately 8 years. I currently h ave 7 car ds wi th Chase -- 6 personal cards and 1 bu siness card. I have never had a late payment and I have a XXXX credit score . Two days ago I was shopping and went to use my Chase bu siness card. It was declined. This was very frustrating and embarrassing for me as I had no other form of payment. However, I assumed it was a minor issue. Then I went on my Chase.com account and saw that all of my credit cards were marked with \" this account has been closed. '' There was no explanation and no warning. Assuming there must be some mistake, I called i nto Chase on that same day. The customer service representative at firs t had no idea what had happened. Then he put me on hold and said that sometim es Chase will do an ac count \" review '' and decide to close a person 's accounts. I told him that that made no sense in my case since I have a perfect payment history, most of my cards have no balance, and I never come even close to maxing out a card. He told me that that was all the information he could provide. I was dumbstruck. How coul d Chase just arbit rarily decide to close all of my accounts? This made even less sense to me since I have just recently opened a new account with them, and it had to be manually approved so I had just a couple of weeks ago had someone f rom Chase revie w my account and credit and issue me the new card! The only remote possibility I could think of was that I had recently made a payment to my business card that was returned because of a bank error and I was charged {$39.00} by Chase. However, I called into Chase about th at and they reversed the charge and I made a new payment so it was not an issue. I really ca n't believe this. I have multiple automatic payments set up with those card a nd I use my Chase bus iness card on a daily basis. I 'm now scrambling to make sure that I do n't miss payments on various subscriptions that I have set up through those accounts. I have a high income and have never had any credit issues -- no late payments, no bankruptcy, nothing. The fact that the customer service representative was n't even able to give me a reason for the closure was even more upsetting. This is absolutely humiliating and unacceptable. The current balances on four of my Chase cards are {$0.00}. One personal card has a balance of ~ {$2000.00}, and my busin ess card has a balance of XXXX {$900.00}. Neither are past due. I searched on XXXX and apparently I 'm not the first person that this has happened to. Someone recommend that I file this CFPB to help get my accounts reinstated. Thanks you, and if you have any questions please do n't hesitate to contact me.","date_sent_to_company":"2017-06-09T21:22:57.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"85705","tags":null,"has_narrative":true,"complaint_id":"2550238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-06-09T21:04:15.000Z","state":"AZ","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I have multiple automatic payments set up with those card a nd I use my Chase bus iness card on a daily basis. I 'm now scrambling to make sure that I do n't miss payments on various subscriptions that I have set up through those accounts. I have a high income and have never had any credit issues -- no late payments, no bankruptcy, nothing. The fact that the customer service representative was n't even able to give me a reason for the closure was even more upsetting."]},"sort":[10.884443,"2550238"]},{"_index":"complaint-public-v1","_id":"3846697","_score":9.235943,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This complaint is directly related to my previous complaint # XXXX which you closed due to a fraudulent response from Discover Card and signed by XXXX XXXX XXXX complaint was related to the charge on my card for purchase of XXXX XXXX XXXX XXXX software. The \" response '' provided Discover fraudulently indicated that \" they did not recognize the charge '' which had nothing to do with the truth. As a matter of fact, I did purchase that software but the XXXX software billed a firewall ion my computer that did not allow me to use Internet, I was unable to send e-mails which started to accumulate in my \" outbox '' without gong out. I had no other way but to remove that software from my computer and declined to honor the charge. The second fraudulent claim made by Mr. XXXX XXXX in that \" company 's response '' was a claim that \" On XX/XX/2020, we received documentation from the merchant that included a copy of the transaction details, terms, and explanation from the merchant that included a copy of the transaction details. '' Proof of my purchase I have myself, but I do not have any \" terms '' of that purchase myself. As a matter of fact, when I disputed the practical validity of purchase ( and not the recognition of the transaction itself ) XXXX talked to me and told me that I \" was supposed to call their technical support department when I had problems with that software installing a firewall that did not allow me to use Internet. I have never received any \" terms '' let alone any telephone number for technical support. When I disputed the charge and later saw that charge reinstalled on the same date it was removed ( another fraudulent claim of Mr. XXXX XXXX XXXX I called Discover and talked to a man by name XXXX who told me that I was supposed to record those facts ( i.e., firewall that did not allow me to use Internet or accumulation of my outside mail in my \" outside '' box, facts not disputed by XXXX when I talked to them after seeing the charge. And finally failure Mr. XXXX XXXX to inform of his actual days and time of being in the office. When I called Mr. XXXX XXXX on XX/XX/2020 I wanted to tell him that after I removed XXXX software from my computer it appears that it loaded on my computer again without my permission. Moreover, when I attempted to remove it I could not do it. After I pressed the button \" remove '' I got a message that the process will take place over a time and that \" process '' has never been able to be completed but practically was suspended in time. Only on XX/XX/2020 I was able to remove that software from my computer although before final step I got a warning that I \" have current subscription to their services '' which I did not care but pressed the button to remove that software. Moreover, it appears that my computer had initially security software provided by XXXX. On the same statement on which charge for XXXX appeared there was a charge for {$29.00} for XXXX which I also disputed and which was removed. that charge was actually a valid one. I, therefore, on my payment date of XX/XX/2020 will pay that charge along with the interest charged by Discover for not paying the XXXX charge. After that I will never use that card again unless the dispute is resolved in a fair manner by Discover.","date_sent_to_company":"2020-09-12T19:04:22.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"19904","tags":"Older American","has_narrative":true,"complaint_id":"3846697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2020-09-12T18:34:01.000Z","state":"DE","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Only on XX/XX/2020 I was able to remove that software from my computer although before final step I got a warning that I \" have current subscription to their services '' which I did not care but pressed the button to remove that software. Moreover, it appears that my computer had initially security software provided by XXXX."]},"sort":[9.235943,"3846697"]},{"_index":"complaint-public-v1","_id":"6603850","_score":8.513614,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"* This is a corporate card thru CITI. Ive worked for my employer for 20 years and NEVER had any fraudulent issues. I submitted a fraud claim to CITI in XXXX of last year ( XXXX.2022 ), right before my business travel. \n* Myself and my son were deathly ill the week before so I didnt see any of the notifications sent as charges were being made which I communicated to CITI when I reported the fraud * The card was cancelled immediately and replaced the same week before I left for business travel * The card was maxed out fully on gift cards the previous week to my business travel. I called again from the airport because I have having issues paying for pre-booked travel plans and was told its still under investigation * It was also identified that 2 of my personal bank accounts were also hacked, and later discovered my husband had {$7800.00} in fraud charges on an XXXX card and my personal gmail was compromised as well. \n* I also filed an online complaint thru XXXXXXXXXXXX as suggested * By XXXX, I was unable to access my personal gmail because the hackers had closed the email account all together, this is the email where all my original confirmations may have gone. \n* Trying to figure out what happened, the only thing I could determine is all cards that were hit, were all listed in my XXXX wallet app since I was traveling the following week * Currently, both of my bank accounts have already resolved the claims and confirmed fraud, XXXX just sent my husband an email confirmation that the charges on that card were confirmed as fraud. The only outstanding fraud charges are the ones on my Citi card. \n* Ive sent numerous emails to 2 different email addresses pertaining to their fraud unit and I havent recieved any responses. I just sent a new one today so waiting to see if I hear back. \n* Ive been an employee for XXXX for 20 years, Ive NEVER EVER had an issue with a corporate card and Im extremely worried this is going to put my job in jeopardy. \n* My husband and I did have something similar happen the year prior but only with our personal accounts/cards, and we discovered XXXX has several claims out there where employees were caught selling IP addresses for a LARGE amount of customers and then hackers would impersonate somehow? I really dont know much about that, but even all those issues were confirmed fraud and closed. \n* All of these charges are still showing on my expense report and need to be removed immediately before there are any consequences to my job, they are about to charge our organizations budget code and then I fear I will be at risk at a job Ive had for 20 years I really need help. \n* The only other note I would make is, about a week or 2 before this occured I rec 'd a text stating I had a balance due immediately and it was for a utility I do have an account thru, I stupidly quickly clicked on it and then I just got an error screen. BUT after that, my phone started acting very weird, it was going thru the battery really REALLY fast, apps would shut down with no warning, I had to reset several passwords because it kept saying I had the wrong one stored in the phone, which always autopopulated and never had an issue before, people were saying they were calling and texting me but I wasnt receiving all of them and overall everything was just acting very oddly. I was also noticing a definite uptick in emails about new subscriptions and whatnot, what I just assumed it was more than usual spam emails. My husband said his started acting funny too. After all this happened and I remembered that text, he was furious with me.","date_sent_to_company":"2023-02-22T17:46:04.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"18411","tags":null,"has_narrative":true,"complaint_id":"6603850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-02-22T17:20:37.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["* Trying to figure out what happened, the only thing I could determine is all cards that were hit, were all listed in my XXXX wallet app since I was traveling the following week * Currently, both of my bank accounts have already resolved the claims and confirmed fraud, XXXX just sent my husband an email confirmation that the charges on that card were confirmed as fraud. The only outstanding fraud charges are the ones on my Citi card."]},"sort":[8.513614,"6603850"]},{"_index":"complaint-public-v1","_id":"7912374","_score":7.790062,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"First Early Warning needs to stop all monitoring and reporting done on me, they have single handily destroyed my ability to access financial institutions and bank in comfort. Ever since my identity was stolen due to XXXX having a major breach I am just now realizing the true damage its done and the tens of thousands of dollars its cost me and I cant even open a checking account, or get a credit card increase with a bank Ive been a customer of for 8 years. The following banks have reported that I had accounts opened, and somehow they all are in someway shape or form, not current or in a delinquent status. XXXX is a bank that I have never banked with but they have an account in my name with the delinquency of almost {$800.00} that account was opened in XXXX Arizona. I have never lived in XXXX. Secondly, XXXX XXXX XXXXXXXX has blatantly disregarded my attempts to get any information on the accounts that they claim I held, and this account was opened up in Texas, another bank that has told me they have had me as a customer is XXXX and the only way Im finding this out is because Im going to apply for these vents for the first time because I am now a business owner and I need national banks that provide 100 % autonomy and accessibility But everywhere I go. There is an account in my name that I know nothing about and its somehow strange that all of the accounts were opened up in states nowhere near where I live I have repeatedly asked these financial institutions for my physical presence inside of a branch or even my own personal signature in ink not something digitized, but my actual signature, no one has even been able to show me a picture of my ID but accounts were allowed to be opened up in my name credit cards all types of false and fraudulent loans and here I am in XXXX paying off {$300.00} collections for credit cards that I didnt even know Existed like XXXX XXXX XXXX XXXXXXXX is that like the XXXX XXXX XXXX I have never heard of that thing in my life, but I victim of a massive breach from a consumer reporting agency is being portrayed only because the banks are reporting me as someone who is not responsible, and may be a huge risk to a financial institution, which intern Only handicaps me and doesnt allow me the fair opportunity to bank with anyone producing a unreal foreshadowing of what you should expect I have paid over {$20000.00} to clear up my debt and remove the collections from my credit report and somehow a man that has done nothing wrong in myself Still can not find any type of positive response, at XXXX XXXX XXXX theres no reason why I should have to put my faith in XXXX XXXX, which is a digital bank and not of great history and reputation. I have only had two bank accounts, my entire life that was XXXX XXXX XXXX which Ive been a member for for 26 years and more recently XXXX XXXX XXXX, I need the banks that I listed to go back do some research and realize and think to themselves why would a kid go all the way to the state of Texas to open up a XXXX XXXX XXXXXXXX account or why would that same person go all the way to XXXX Arizona to open up a XXXX account dont even get me started on XXXX XXXX because I have never even received a piece of mail from them. All of these accounts were billing addresses that have nothing to do with me places Ive never lived the credit bureau had my Social Security number wrong and my name spelled incorrectly for almost 6 years, and only when I wanted to start a business, because I never needed credit never relied on it. Ive been fortunate enough to live a life comfortably and not need to take out a {$300.00} credit card simply due to the fact Ive had over {$20000.00} in liquid assets since I graduated high school, I paid off all of my unknown collections. Im still working with a bank because I refuse to pay one of these loans that were fraudulently opened up in my name because Ive had enough and early warning systems is not doing anything to help. They literally are the same company that almost prevented me from being able to rent my new apartment, why was that because the property staff immediately realized that all of the information that early warning systems was reporting was absolutely false and incorrect for XXXX sake, my XXXX Social Security number was wrong with XXXX. XXXX has phone numbers and addresses attached to my name that Ive never even thought about, XXXX is the same bureau that couldnt even get my name spelled correctly on their credit profile, which has caused me to be declined from many opportunities to obtain lines of credit that were true and not fraudulent. Im very upset, and I cant continue to act as if this is OK Ive tried. Ive begged. Ive asked, but no one is doing anything to help me, no one is reaching out to ask questions. No one is even giving me a second to explain what has happened theres no reason why I shouldnt be able to get a credit card increase with the XXXX XXXX bank. Ive been banking with for eight years XXXX XXXX is where I will end the only reason I still have a card with them is because Ive held on faith and have tried to think about the possibility of bettering my credit which only will happen if I keep elongating my credit profiles history, which is now at eight years XXXX XXXX yes, ever since I was able Ive been with XXXX XXXX I just want to be fairly treated and honestly I want to be repaid because every collection agency Ive went to cant give me any physical or definitive proof that I open that account. What XXXX did they just not have a breach in their system. XXXX is breach calls me to lose access to my email I lost all of my XXXX money and more than {$20000.00} in debt that I had to pay off. Heres how you can tell if I have done anything with the bank after I graduated I spent days practicing my permanent signature and ever since then I only signed my name in full, including the first middle, and last there has not been one account that has been thrown in my face that can be definitively proven as mine whenever I sign my name XXXX XXXX XXXX the full name any other signature is false. if you do not see a definitive XXXX in the middle that is not me I sign my name in a particular way. Please help me, im so glad I started a business early and did not find out what was going on years later and all in with this do you all not know how exhausting it is to have to pay for every credit bureau, subscription service and more just so I could have peace at night but every time I get an update or notification my heart drops because I think some crazy loan that opened up in XXXX XXXX is going to flash across my screen and Im going to have to pay it again. Ive XXXX near went broke paying back collections that were not mine, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never bank with you in the lightbulb click today after I applied for XXXX XXXX and they overfed me immediately that I need to visit the Branch, please understand I am not angry I am not furious. I am tired. I just need some actual help and I need my fraudulent slate to be wiped clean because I am just a victim of XXXX breach.","date_sent_to_company":"2023-11-27T09:57:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32246","tags":null,"has_narrative":true,"complaint_id":"7912374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2023-11-27T09:15:34.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The following banks have reported that I had accounts opened, and somehow they all are in someway shape or form, not current or in a delinquent status. XXXX is a bank that I have never banked with but they have an account in my name with the delinquency of almost {$800.00} that account was opened in XXXX Arizona. I have never lived in XXXX."],"company":["Early Warning Services, LLC"]},"sort":[7.790062,"7912374"]},{"_index":"complaint-public-v1","_id":"4316067","_score":6.8732843,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"1. On : XX/XX/XXXX, Experian Credit Bureau fraudulently removed 19 points from my Fico 8 Credit Score, from XXXX down to XXXX. \n2. On XX/XX/XXXX I contacted every creditor and lender I have, and verified the following : that I am in perfect standing with all creditors and lenders. That I have perfect on time payment history with all lenders and creditors. That all creditor and lender accounts are open and active. I also verified that all creditors and lenders I have, have been ( since the begining of my accounts ) and are still continuously reporting to Experian Credit Bureau ( in addition to other credit reporting bureaus ). \n\n3. On XX/XX/XXXX I contacted Experian Credit Bureau regarding the sudden decline in my credit rating from \" Very Good '' ( XXXX Credit score ) to a lower credit teir of \" good '' ( XXXX ) credit score. In the span of an hour and a half, I was transferred to five seperate individuals, with one individual being a supervisor named \" XXXX. '' Supervisor XXXX at Experian informed me ( as did the membership services department ) that they could provide no reason or resolutions for the sudden drop in credit ; while at the same time Experian is advertising a paid subscription service ( which was offered to me through the Experian App ). I find it concerning that Experian would drop a consumer 's credit report by 19 points, while at at the same time providing no resolution or explanation for the matter, while at the same time marketing a service to \" find out why your credit score dropped. '' The financial incentive to commit fraud by Experian is clear to me, because of the timing and intent of the advertisement for a paid service. \n\n4. On XX/XX/XXXX I spoke to a total of 5 different Experian representatives, with Supervisor XXXX as the last representative I spoke to. All five Experian representatives tried to convince me that my \" short account history '' and \" loan balance '' were the two negative contributions that caused my score to drop. \nThe explanation Experian 's representatives gave is inaccurate at best, because both of these \" negative contributions '' have been on my Experian account since the very first day I opened it ; and furthermore, I was able to attain and keep a XXXX credit score even with these two \" negative contributions. '' In short, what all Experian representatives have cited as the reason for my credit score dropping 19 points and me dropping to a lower tier credit rating ; can be demonstrably proven false by the mere and simple fact, that these two \" negative contributions '' have always been on my reports, when I first opened the auto loan account on XX/XX/XXXX, and or when I first started building credit using credit cards over 2 years ago ( in XXXX ) and yet I was still able to attain that XXXX credit score. I also made sure that my credit card spending and payments have been consistent over the past two years. \n\nXXXX. I have attempted for over an hour on XX/XX/XXXX to remedy this with Experian 's five different representatives, because I believe that Experian is either behaving fraudulently, or there is a genuine issue with their automated computer system, ( which Experian Supervisor XXXX told me generates my credit score ) which I've requested investigation into by Experian, and the five representatives ( including Experian supervisor XXXX XXXX all denied me that remedy. \n\nOn XX/XX/XXXX Experian Supervisor XXXX informed me that He could see a credit car account that I have previously filed a dispute for ( because Experian falsely removed it from my account ) despite the creditor stating to me that my account was open, active, has perfect payment history, and that I am in \" excellent standing. '' I filed a dispute for the creditor account Experian removed from my Experian credit report, with Experian, and as of XX/XX/XXXX ( today ) I am still awaiting the completion of Experian 's report on why that credit reporting account was removed from my Experian profile, even though the creditor stated to me ( repeatedly ) that they always and consistently report to Experian on time. Experian Supervisor XXXX told me that He could view the most updated and accurate Experian account information pertaining to the erroneously removed creditor account from my Experian account, and at the same time I could not see this information ; despite Experian informing me that my account had been updated earlier on XX/XX/XXXX ( the same day ). Experian Supervisor XXXX 's stated on XX/XX/XXXX that He could see my payment history for the erroneously removed creditor account in question, and yet I couldn't see it ( even though under federal consumer protection laws ) I have a right to see what information both creditors and credit bureaus are reporting, and Experian has demonstrably witheld this information from me, until I had specifically requested this information, even though this information was viewable just a month ago, and then suddenly it disappeared without warning ; whereas Experian Credit Bureau never informed me that they could currently view this information, nor ever informed me ( the consumer ) of the fact that they could view such information while the same information was being erroneously withheld from me.","date_sent_to_company":"2021-04-21T18:31:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"211XX","tags":null,"has_narrative":true,"complaint_id":"4316067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-04-21T17:11:48.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["it disappeared without warning ; whereas Experian Credit Bureau never informed me that they could currently view this information, nor ever informed me ( the consumer ) of the fact that they could view such information while the same information was being erroneously withheld from me."]},"sort":[6.8732843,"4316067"]},{"_index":"complaint-public-v1","_id":"7911810","_score":6.8115063,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX needs to stop all monitoring and reporting done on me, they have single handily destroyed my ability to access financial institutions and bank in comfort. Ever since my identity was stolen due to XXXX having a major breach I am just now realizing the true damage its done and the tens of thousands of dollars its cost me and I cant even open a checking account, or get a credit card increase with a bank Ive been a customer of for 8 years. The following banks have reported that I had accounts opened, and somehow they all are in someway shape or form, not current or in a delinquent status. XXXX is a bank that I have never banked with but they have an account in my name with the delinquency of almost {$800.00} that account was opened in XXXX Arizona. I have never lived in XXXX. Secondly, XXXX XXXX XXXX has blatantly disregarded my attempts to get any information on the accounts that they claim I held, and this account was opened up in Texas, another bank that has told me they have had me as a customer is XXXX and the only way Im finding this out is because Im going to apply for these vents for the first time because I am now a business owner and I need national banks that provide 100 % autonomy and accessibility But everywhere I go. There is an account in my name that I know nothing about and its somehow strange that all of the accounts were opened up in states nowhere near where I live I have repeatedly asked these financial institutions for my physical presence inside of a branch or even my own personal signature in ink not something digitized, but my actual signature, no one has even been able to show me a picture of my ID but accounts were allowed to be opened up in my name credit cards all types of false and fraudulent loans and here I am in XXXX paying off {$300.00} collections for credit cards that I didnt even know Existed like XXXX. What the XXXX is that like the XXXX XXXX XXXX I have never heard of that thing in my life, but I victim of a massive breach from a consumer reporting agency is being portrayed only because the banks are reporting me as someone who is not responsible, and may be a huge risk to a financial institution, which intern Only handicaps me and doesnt allow me the fair opportunity to bank with anyone producing a unreal foreshadowing of what you should expect I have paid over {$20000.00} to clear up my debt and remove the collections from my credit report and somehow a man that has done nothing wrong in myself Still can not find any type of positive response, at XXXX XXXX XXXX theres no reason why I should have to put my faith in XXXX XXXX which is a digital bank and not of great history and reputation. I have only had two bank accounts, my entire life that was XXXX XXXX XXXX which Ive been a member for for 26 years and more recently XXXX XXXX XXXX, I need the banks that I listed to go back do some research and realize and think to themselves why would a kid go all the way to the state of Texas to open up a XXXX XXXX XXXXXXXX account or why would that same person go all the way to XXXX Arizona to open up a XXXX account dont even get me started on Wells Fargo because I have never even received a piece of mail from them. All of these accounts were billing addresses that have nothing to do with me places Ive never lived the credit bureau had my Social Security number wrong and my name spelled incorrectly for almost 6 years, and only when I wanted to start a business, because I never needed credit never relied on it. Ive been fortunate enough to live a life comfortably and not need to take out a {$300.00} credit card simply due to the fact Ive had over {$20000.00} in liquid assets since I graduated high school, I paid off all of my unknown collections. Im still working with a bank because I refuse to pay one of these loans that were fraudulently opened up in my name because Ive had enough and early warning systems is not doing anything to help. They literally are the same company that almost prevented me from being able to rent my new apartment, why was that because the property staff immediately realized that all of the information that early warning systems was reporting was absolutely false and incorrect for XXXXXXXX XXXX XXXX XXXXXXXX Social Security number was wrong with XXXX. XXXX has phone numbers and addresses attached to my name that Ive never even thought about, XXXX is the same bureau that couldnt even get my name spelled correctly on their credit profile, which has caused me to be declined from many opportunities to obtain lines of credit that were true and not fraudulent. Im very upset, and I cant continue to act as if this is OK Ive tried. Ive begged. Ive asked, but no one is doing anything to help me, no one is reaching out to ask questions. No one is even giving me a second to explain what has happened theres no reason why I shouldnt be able to get a credit card increase with the same XXXX bank. Ive been banking with for XXXX years XXXX XXXX is where I will end the only reason I still have a card with them is because Ive held on faith and have tried to think about the possibility of bettering my credit which only will happen if I keep elongating my credit profiles history, which is now at XXXX years XXXX XXXX yes, ever since I was able Ive been with Capital XXXX I just want to be fairly treated and honestly I want to be repaid because every collection agency Ive went to cant give me any physical or definitive proof that I open that account. What XXXX did they just not have a breach in their system. XXXX is breach calls me to lose access to my email I lost all of my XXXX money and more than {$20000.00} in debt that I had to pay off. Heres how you can tell if I have done anything with the bank after I graduated I spent days practicing my permanent signature and ever since then I only signed my name in full, including the first middle, and last there has not been one account that has been thrown in my face that can be definitively proven as mine whenever I sign my name XXXX XXXX XXXX the full name any other signature is false. if you do not see a definitive XXXX in the middle that is not me I sign my name in a particular way. Please help me, im so glad I started a business early and did not find out what was going on years later and all in with this do you all not know how exhausting it is to have to pay for every credit bureau, subscription service and more just so I could have peace at night but every time I get an update or notification my XXXX drops because I think some XXXX loan that opened up in XXXX XXXXXXXX is going to flash across my screen and Im going to have to pay it again. Ive XXXX near went broke paying back collections that were not mine, XXXX XXXX XXXX XXXXXXXX, Wells Fargo, XXXXXXXX XXXX. I have never bank with you in the lightbulb click today after I applied for XXXX XXXXk and they overfed me immediately that I need to visit the Branch, please understand I am not angry I am not furious. I am tired. I just need some actual help and I need my fraudulent slate to be wiped clean because I am just a victim of XXXX breach.","date_sent_to_company":"2023-11-27T09:57:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32246","tags":null,"has_narrative":true,"complaint_id":"7911810","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-11-27T09:57:36.000Z","state":"FL","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":["The following banks have reported that I had accounts opened, and somehow they all are in someway shape or form, not current or in a delinquent status. XXXX is a bank that I have never banked with but they have an account in my name with the delinquency of almost {$800.00} that account was opened in XXXX Arizona. I have never lived in XXXX."]},"sort":[6.8115063,"7911810"]},{"_index":"complaint-public-v1","_id":"7911808","_score":5.5379467,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX needs to stop all monitoring and reporting done on me, they have single handily destroyed my ability to access financial institutions and bank in comfort. Ever since my identity was stolen due to XXXX having a major breach I am just now realizing the true damage its done and the tens of thousands of dollars its cost me and I cant even open a checking account, or get a credit card increase with a bank Ive been a customer of for 8 years. The following banks have reported that I had accounts opened, and somehow they all are in someway shape or form, not current or in a delinquent status. XXXX is a bank that I have never banked with but they have an account in my name with the delinquency of almost {$800.00} that account was opened in XXXX Arizona. I have never lived in XXXX. Secondly, Bank of America has blatantly disregarded my attempts to get any information on the accounts that they claim I held, and this account was opened up in Texas, another bank that has told me they have had me as a customer is XXXX and the only way Im finding this out is because Im going to apply for these vents for the first time because I am now a business owner and I need national banks that provide 100 % autonomy and accessibility But everywhere I go. There is an account in my name that I know nothing about and its somehow strange that all of the accounts were opened up in states nowhere near where I live I have repeatedly asked these financial institutions for my physical presence inside of a branch or even my own personal signature in ink not something digitized, but my actual signature, no one has even been able to show me a picture of my ID but accounts were allowed to be opened up in my name credit cards all types of false and fraudulent loans and here I am in 2023 paying off {$300.00} collections for credit cards that I didnt even know Existed like XXXX. What the XXXX is that like the XXXX XXXX XXXX I have never heard of that thing in my life, but I victim of a massive breach from a consumer reporting agency is being portrayed only because the banks are reporting me as someone who is not responsible, and may be a huge risk to a financial institution, which intern Only handicaps me and doesnt allow me the fair opportunity to bank with anyone producing a unreal foreshadowing of what you should expect I have paid over {$20000.00} to clear up my debt and remove the collections from my credit report and somehow a man that has done nothing wrong in myself Still can not find any type of positive response, at XXXX XXXX XXXX theres no reason why I should have to put my faith in XXXX XXXX, which is a digital bank and not of great history and reputation. I have only had two bank accounts, my entire life that was XXXX XXXX XXXX which Ive been a member for for 26 years and more recently XXXX XXXX XXXX, I need the banks that I listed to go back do some research and realize and think to themselves why would a kid go all the way to the state of Texas to open up a Bank of America account or why would that same person go all the way to XXXX Arizona to open up a XXXX account dont even get me started on XXXX XXXX because I have never even received a piece of mail from them. All of these accounts were billing addresses that have nothing to do with me places Ive never lived the credit bureau had my Social Security number wrong and my name spelled incorrectly for almost 6 years, and only when I wanted to start a business, because I never needed credit never relied on it. Ive been fortunate enough to live a life comfortably and not need to take out a {$300.00} credit card simply due to the fact Ive had over {$20000.00} in liquid assets since I XXXX XXXX XXXX, I paid off all of my unknown collections. Im still working with a bank because I refuse to pay one of these loans that were fraudulently opened up in my name because Ive had enough and early warning systems is not doing anything to help. They literally are the same company that almost prevented me from being able to rent my new apartment, why was that because the property staff immediately realized that all of the information that XXXX XXXX XXXX was reporting was absolutely false and incorrect for XXXX XXXXXXXX XXXX XXXX Social Security number was wrong with XXXX. XXXX has phone numbers and addresses attached to my name that Ive never even thought about, XXXX is the same bureau that couldnt even get my name spelled correctly on their credit profile, which has caused me to be declined from many opportunities to obtain lines of credit that were true and not fraudulent. XXXX very upset, and I cant continue to act as if this is XXXX Ive tried. Ive begged. Ive asked, but no one is doing anything to help me, no one is reaching out to ask questions. No one is even giving me a second to explain what has happened theres no reason why I shouldnt be able to get a credit card increase with the same XXXX bank. Ive been banking with for eight years XXXX XXXX is where I will end the only reason I still have a card with them is because Ive held on faith and have tried to think about the possibility of bettering my credit which only will happen if I keep elongating my credit profiles history, which is now at XXXX years XXXX XXXX yes, ever since I was able Ive been with XXXX XXXXXXXX I just want to be fairly treated and honestly I want to be repaid because every collection agency Ive went to cant give me any physical or definitive proof that I open that account. What XXXX did they just not have a breach in their system. XXXX is breach calls me to lose access to my email I lost all of my XXXX money and more than {$20000.00} in debt that I had to pay off. Heres how you can tell if I have done anything with the bank after I graduated I spent days practicing my permanent signature and ever since then I only signed my name in full, including the first middle, and last there has not been one account that has been thrown in my face that can be definitively proven as mine whenever I sign my name XXXX XXXX XXXX the full name any other signature is false. if you do not see a definitive XXXX in the middle that is not me I sign my name in a particular way. Please help me, im so glad I started a business early and did not find out what was going on years later and all in with this do you all not know how exhausting it is to have to pay for every credit bureau, subscription service and more just so I could have peace at night but every time I get an update or notification my XXXX drops because I think somXXXX XXXX loan that opened up in XXXX XXXXXXXX is going to flash across my screen and XXXX going to have to pay it again. Ive XXXX near went broke paying back collections that were not mine, XXXX Bank of America, XXXX XXXX, XXXXXXXX XXXX. I have never bank with you in the lightbulb click today after I applied for XXXX XXXX and they overfed me immediately that I need to visit the Branch, please understand I am not angry I am not furious. I am tired. I just need some actual help and I need my fraudulent slate to be wiped clean because I am just a victim of XXXX breach.","date_sent_to_company":"2023-11-27T09:57:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32246","tags":null,"has_narrative":true,"complaint_id":"7911808","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-11-27T09:57:36.000Z","state":"FL","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":["The following banks have reported that I had accounts opened, and somehow they all are in someway shape or form, not current or in a delinquent status. XXXX is a bank that I have never banked with but they have an account in my name with the delinquency of almost {$800.00} that account was opened in XXXX Arizona. I have never lived in XXXX."]},"sort":[5.5379467,"7911808"]},{"_index":"complaint-public-v1","_id":"4841606","_score":4.284238,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"UPDATEXX/XX/XXXXI have an issue with Experian still holding a negative impact on my credit score re : a late payment during COVID (XX/XX/XXXX) on a XXXX XXXX XXXXXXXX card I hadnt been using at all, but must have had a small auto pay from a subscription. We were letting our mail sit and letting the XXXX envelope sit longer because I knew I hadnt been using the card due to poor service when traveling, but one day I checked my XXXX score on my XXXX account to find it had dropped significantly due to XXXX dropping my credit line from nearly $ XXXX to {$500.00} over the delinquency of a balance less than {$40.00} during COVID for a customer of roughly 25 years. I immediately paid the bill and closed the account so that wouldnt happen again. This has made rectifying the problem with XXXX impossible and caused lasting issues with Experian. I had tried to correct this individually with each credit reporting company. XXXX and XXXX have removed the impact of the negative incident with XXXX ; Experian is still a problem as they continue to factor it into their score. They were unreachable by phone or email at the time to resolve the issueI gave up, but have recently added their app in hopes of getting through to them. Please inform Experian that they need to REMOVE the XXXX incident and restore my score. \n\nORIGINAL COMPLAINT BELOW : Note : This is a general dispute letter I have drafted to get the 3 credit bureaus to adjust my credit score back into the good standing it was prior to the retaliatory action taken by XXXX XXXX XXXX for nonuse of a credit card and 1 delinquent payment during the start of COVID 19. My credit score instantly dropped 78-86 points on an account that had been closed and on which XXXX XXXX XXXX had unfairly dropped my credit limit from {$69000.00} to {$500.00} despite impeccable payment history for 25 years. It should also be noted thaXXXX XXXX XXXX XXXX was asked to contact the credit bureaus to rectify this problem, but despite the agent 's shock at XXXX XXXX XXXX XXXXs drastic action, said they couldn't do anything because I had closed the account. I asked them to please explain how I am to correct this egregious action if they don't send updated info to the credit bureaus ... Catch 22? They indicated that I had to contact the credit bureaus on my own to fix the problem. I called all 3. XXXX submitted a dispute as did XXXX after logging it in online, but Experian has been having tech difficulties on both phone calls and online/app services such that I had to submit a written dispute to their headquarters, which I promptly did via sending off the letter below. I have since adjusted the letter to address all 3 credit unions as it appears no actions have been taking to restore my excellent credit score after this one incident dinged my score my 78-86 points. Yikes!!! Please keep in mind that screenshots and links to other documents did not copy/paste to this response, but are included in the uploaded document. Start of Letter : 3-Credit Bureau Credit Dispute with XXXX XXXX XXXX Credit Card : Social Security Email address : Current Address : Old Address : DISPUTE : To Whom it May Concern at Experian, XXXX, and XXXX, XXXX have had a XXXX XXXX XXXX credit card since XXXX. We were good customers for roughly 25 years. Over the years, I have had issues with B of A customer service and credit-card policies that have caused me to stop using the card as my primary credit card : Backdrop : XXXX ) During the late XXXX, I wrote a check ( when people used to still hand write checks ) for {$1200.00} for payment, they cashed it for {$12000.00} because we had an auto backup account to our savings for overdrafts. XXXX XXXX XXXX took no responsibility for their error and I was told that I would now have to wait out an FBI investigation ( several months ) because the amount was over {$10000.00}, meeting the threshold that apparently triggered an automatic investigation. That was painful, but I kept the card and we struggled for cash until the investigation rectified the XXXX XXXX XXXX error. 2 ) During several times of travel over the years, XXXX XXXX XXXX canceled my card without warning, including a car trip to visit my daughter at college 6 hours away, where I stopped in XXXX, CA at XXXX ( 2 hours from home ). By the time I got to my destination, the card had already been canceled. Hugely inconvenient to say the least! Thank XXXX I had another card I could use for gas on the way home. This happened on multiple occasions during other travel. As a result of poor customer service and credit card policies at XXXX XXXX XXXX, I felt that they were no longer a reliable source of credit and chose to make it my backup card instead of the primary card it had been for 20+ years. However, I chose to keep the card vs close it because they had raised my credit limit to {$69000.00}, and I figured Id keep it as an emergency card due to the high limit. Strangely, I had never asked for my limit to be increased... they did it automatically. Fast forward to XX/XX/XXXXand COVID 19 ... I was still not using my XXXX XXXX XXXX card for purchases and had transfered all of my utilities and other bills onto autopay with other credit cards. During the early months of XX/XX/XXXXafter COVID 19, I was not opening my mail as quickly, letting it sit for days for safety reasons ... and paying bills online. I had not attended to the XXXX XXXX XXXX statement because I had not been using the card at all, and assumed there was a zero balance. When I opened the statements for XXXX and XXXX, I was shocked to see there was a balance of {$370.00}, which I immediately paid off upon opening in mid XXXX. I paid {$330.00} on XX/XX/XXXX XXXX ( 3 DAYS LATE ) and {$42.00} cleared on XX/XX/XXXX. SEE XXXX PAYMENT OF {$330.00} ON MY XXXX XXXX XXXX BANKING AND XXXX TRANSACTION OF {$42.00} ( screenshots of payment history from checking account ) CONFIRMATION ON MY XXXX XXXX XXXX STATEMENT FOR XXXX XXXX OF BOTH TRANSACTIONS ( screenshot of XXXX XXXX XXXX Statement ) PAYMENT HISTORY FROM XXXX SHOWS ONE DELINQUENT PAYMENT OF 60 DAYS DURING THE COVID-19 PANDEMIC BECAUSE I DIDNT OPEN MY MAIL ON A CARD I HADNT BEEN USING ( screenshot from XXXX showing payment history of XXXX XXXX XXXX XXXX I believe what happened is that I didnt realize that I would even have any charges on my card that I hadnt been using and from which I had believed I had removed all autopay transactions. However, that being the case, I PAID the total of {$370.00}, much of which was from late charges. My lack of use of the XXXX XXXX XXXX card combined with a couple of honest late payments during COVID 19 because I didnt realize there were charges, seemed to trigger drastic action on the part of XXXX XXXX XXXX toward a long-term good customer. It appears that the action was retaliatory due to my lack of use of the card vs outstanding balance or late payments. Its obvious XXXX XXXX XXXX had not considered 20+ years of good standing, not even during a pandemic on a card that had a very small balance relative to the credit limit they had extended to me based on my good customer standard over many years. It appears that the XXXX XXXX XXXX policy was to drastically reduce credit limits on accounts not in daily use or with a drop in usage and with any late payments. I believe that had my account been accruing interest on large balances or if I had been regularly using the card that XXXX XXXX XXXX would not have dropped my credit limit. Furthermore, I had not received notifications of late payments or been pre-warned that my credit limit would be dropped from {$69000.00} to {$500.00}. I feel that XXXX XXXX XXXX actions were a bit harsh given 25 years of credit history worthy of bumping my credit limit up to {$69000.00}. I feel like their actions are more retaliatory for nonuse of the card, than justified due to late payment, which is once again reflecting poor customer service from XXXX XXXX XXXX. I called them to rectify the situation, but because I had closed the account, they said that they couldnt do anything for me, but confirm that I had closed the account. They instructed me to simply contact the credit bureaus, and even the first phone rep was shocked to see the actions XXXX XXXX XXXX had taken. I have contacted the credit bureaus, but was told that since the account was now closed that there was nothing XXXX XXXX XXXX could do on my behalf. So, on top of their original poor customer service, they have affected my credit rating, and I have no direct ability for that creditor to rectify their poor judgement from their retaliatory policies. All this is not making me a big fan of XXXX XXXX XXXX to say the least!! The XXXX XXXX XXXX action to reduce my credit limit from {$69000.00} to {$500.00} has dramatically impacted and unfairly characterized my credit worthiness relative to my XXXX score and credit scores with the 3 credit bureaus as evidenced by the massive drop of 78 points by XXXX and successive drops by XXXX totalling 86 points. I was first alerted to this on my XXXX Visa online account and was mortified when I saw that it was due to a XXXX XXXX XXXX incident. I have since used XXXX XXXX to trace the sequence of events with XXXX and XXXX, and have made calls to all 3 credit agencies. Experian has been nonfunctional each time I call ... and they are in charge of my credit report when they cant even keep their house in order. I gave up on making contact with them via phone or online app due to technological difficulties, and sent them a dispute letter explaining the unreasonable and retaliatory actions of XXXX XXXX XXXX for nonuse of their card, and have received no response from Experian. Experian seems to have long-standing tech issues and I have been repeatedly unable to log into their app. Please see these documents to see how my credit limit was unfairly reduced, causing an extreme adverse outcome for my credit score. Links showing dramatic drop of credit score for nonuse and 1-2 delinquent payments that were immediately rectified, despite a 25 year history that warranted automatically raising my credit limit to {$69000.00}. These are links with scene shots from XXXX XXXX for XXXX and XXXX, and a letter sent to Experian. XXXX History from XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX Experian Dispute - ( sent to Experian ) Please feel free to contact me directly at XXXX with any questions. I look forward to your resolution and restoration of my credit score. Many thanks,","date_sent_to_company":"2021-11-08T11:44:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"894XX","tags":null,"has_narrative":true,"complaint_id":"4841606","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-10-25T17:02:17.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["UPDATEXX/XX/XXXXI have an issue with Experian still holding a negative impact on my credit score re : a late payment during COVID (XX/XX/XXXX) on a XXXX XXXX XXXXXXXX card I hadnt been using at all, but must have had a small auto pay from a subscription."]},"sort":[4.284238,"4841606"]},{"_index":"complaint-public-v1","_id":"17922315","_score":4.15491,"_source":{"product":"Mortgage","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI, XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXXXXXX Rocket Mortgage Attn : Loss Mitigation and Appeals XXXX XXXX XXXX. \nXXXX, MI XXXX Fax : ( XXXX ) XXXX Re : Appeal of XXXX XXXX Period Plan and Request for Full XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Property Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX To Whom It May Concern : I am writing to formally appeal the XXXX XXXX XXXX XXXX that has been offered on my loan and to request a full review under the XXXX XXXX Flex Modification guidelines. Your correspondence and prior communications have confirmed that XXXX XXXX XXXX XXXX XXXX is both the investor and the owner of this mortgage loan. \nThis letter is also a complaint regarding the conduct of my assigned dedicated point of contact and other servicing staff, and the lack of transparency about the terms of the offered XXXX plan. I am working with a HUD approved housing counselor and will share your written response with them. \n\n1. Background and current trial offer I am the confirmed successor in interest to the above referenced property and previously served as power of attorney for finances for the prior borrower. I have been attempting in good faith to resolve the loan and keep the property as part of the estate, keep housing affordable, and due to my XXXX XXXX. \nI originally submitted my successor in interest documentation and requested loss mitigation or loan assistance several months before the XX/XX/XXXX XXXX XXXX XXXX letter was issued. After that, I sent multiple written complaints and requests for help directly to Rocket Mortgage by email at XXXX, XXXX, and XXXX. In those emails I described ongoing problems with successor recognition, inconsistent information from various agents, and my attempts over several months to obtain clear details about modification and assistance options. \nDespite my earlier submission, Rocket subsequently sent and addressed to me a duplicate successor in interest packet by XXXX and however addressed to XXXX XXXX XXXX in the packet, which added to the confusion about whether my status had been properly recognized. When these issues were not resolved, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, CFPB complaint ID XXXX. That complaint included information about my prior contact with Rocket, my successor in interest submission, and the duplicate XXXX mailing. The CFPB complaint was submitted several days before Rocket Mortgage generated the Trial Period Plan letter dated XX/XX/XXXX, XXXX months after speaking to Rocket in XXXX regarding successor documentation. \nI also scheduled an appointment with a HUD approved housing counselor as soon as I could. The first available opening I was given was XX/XX/XXXX, and I booked that appointment on or about XX/XX/XXXX. This means that long before the XX/XX/XXXXXXXX XXXX XXXX XXXX letter was issued, I had already arranged to meet with a HUD counselor to review my situation and understand my options. The timing of that appointment was determined by the counselors availability and current state and federal funding for most of these programs, not by any delay on my part. \nYour office has offered a trial plan labeled XXXXXXXX XXXX XXXX XXXX XXXX XXXX Summary, with a trial payment of approximately XXXX dollars per month for XXXX months in XXXX, XXXX, and XXXX. The documents label the offer as XXXX, but do not explain what XXXX is, whether it is a XXXX XXXX XXXX XXXXXXXX, another XXXX XXXX program, or a proprietary modification product, and do not describe what rules govern its terms. \nThe XXXX XXXX XXXX XXXX that I later received is dated XX/XX/XXXX. On the back of the first page, the language states that I must accept the offer within 30 days and that acceptance can occur either by making the first payment of XXXX dollars or by contacting you to confirm that I want to accept the plan. It further states that if you do not receive confirmation or payment by the deadline, the offer may be revoked and my loan may continue to be referred to foreclosure. It instructs me that I can make my payment or confirm acceptance by signing in online to Rocket Mortgage or by reaching out to my single point of contact. On the very last page of the packet, page six, the plan describes an appeal process and states that after receiving an appeal, Rocket Mortgage will respond within 30 days. The same packet states that any appeal must be submitted by XX/XX/XXXX. \nOn XX/XX/XXXX, before I had seen this letter, I spoke with my dedicated point of contact by phone. After verifying my identity and account information, she immediately asked if I was going to pay the total delinquent amount. I responded that she should already be aware of the situation, including my financial hardship and the fact that I had submitted successor in interest documentation, and that as the dedicated point of contact she should be familiar with my file. She left me a message on my voicemail the previous day on XX/XX/XXXX. \nDuring that XX/XX/XXXXXXXX call, my dedicated point of contact also told me that there was no letter for me to have received. She stated that she had not written or completed any letter, that it was impossible for me to have received one, and that she also had not emailed me anything. She stated that the modification paperwork was not yet completed and that it was not possible for me to receive any documentation at that time. She further stated that I would not receive documentation until after the trial period was completed. \nAfter placing me on hold, she returned and informed me that I would need to make three trial payments of about XXXX dollars on XXXX ( XX/XX/XXXXXXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXXXXXX ) as part of a XXXXXXXX XXXX period, and that there were no other options available to me. She told me that I had to agree to this trial amount. In other words, I was told to accept a trial plan and payment amount, under threat that there were no alternatives, while being told that the paperwork was not finished and that I would not receive any documentation until after the trial was completed. \nBecause I am trying to keep this home and was told I had no other options, I reluctantly agreed to allow XXXX dollars to be drafted on the XXXX of each month during the three month trial period. She then placed me on hold again to set up automatic payments from my bank account. \nWhile I was still on the call or immediately afterward, I received three emails confirming scheduled automatic drafts of approximately XXXX dollars for XXXX ( XX/XX/XXXXXXXX ), XXXX ( XX/XX/XXXXXXXX ), and XXXX ( XX/XX/XXXXXXXX ). Those emails also displayed a message in the upper right corner indicating that the account was closed, which was confusing given that you were scheduling automatic pulls from the same account. I am attaching screenshots of those three scheduled payment emails as Exhibit B. \nOn XX/XX/XXXX, my dedicated point of contact emailed me what she described as the completed XXXX XXXX XXXX documents. These documents show a notice date of XX/XX/XXXX and match the XXXX XXXX XXXX XXXX that I later received in paper form. This XX/XX/XXXX email directly contradicts her statements on XX/XX/XXXX that there was no letter, that no documents had been completed, and that nothing had been emailed. I am attaching screenshots of the XX/XX/XXXX email, and pdf document, including the from address and the date and time received, as Exhibit A. \nI did not actually receive the paper XXXX XXXX XXXX XXXX in the mail until around XX/XX/XXXX. I received the email copy on XX/XX/XXXX, pdf document, Only then did I see the written description of the mailed trial plan, the acceptance instructions, the foreclosure warning, the appeal language, and the statement that Rocket Mortgage will respond to an appeal within 30 days. The back of the first page and the last page stated that any appeal must be submitted by XX/XX/XXXX, and that Rocket Mortgage would respond to an appeal within 30 days of receiving it. In practice, this gave me only about six days from the date I received the letter to understand the written terms, reconcile them with what my dedicated point of contact had told me, consult with a HUD approved housing counselor, and prepare any appeal. \nThe combination of a very short written appeal window, the statement that I must accept the offer within 30 days or face possible continued foreclosure referral, the promise that you can take up to 30 days to respond, and the contradictory verbal statements from my point of contact about there being no letter and no documentation until after trial made it extremely difficult to exercise the appeal right in a timely and informed way. \n\n2. Affordability and risk of redefault based on my budget My verified net monthly income is approximately XXXX dollars. \nAfter my current XXXX obligation ends, my essential non housing recurring expenses total approximately XXXX dollars per month. This figure includes utilities ( electric and gas ), phone service, auto insurance, minimum payments on existing debts, modest food and household needs, and a small group of essential subscription and technology services that I rely on for communication and safety, such as XXXX, XXXX, and caller ID spam blocking. My homeowners association ( HOA ) dues are XXXX dollars per month. \nBased on these figures, my monthly budget under the proposed XXXXXXXX XXXX is : Trial payment : about XXXX dollars HOA : XXXX dollars Essential non housing expenses : about XXXX dollars Total monthly outflow : XXXX + XXXX + XXXX = XXXX dollars Compared to my net income of about XXXX dollars, this leaves a monthly deficit of about XXXX dollars, before health insurance and any unforeseen expenses. \nI explained to my dedicated point of contact that this trial payment would be very tight and that the servicer should be concerned about my risk of redefault. I stated that a realistic review of my income and essential expenses shows that a XXXX dollar payment, plus HOA and basic living costs, does not fit my budget. I also stated that the servicer ought to have the borrowers best interests in mind when evaluating options, especially when the loan is owned by XXXX XXXX and specific modification tools are available. \nDespite this, I was told there were no other options, and I was pressured to agree to the trial without completed documentation or a clear explanation of the long term terms. On the numbers above, the proposed XXXX trial payment is not affordable and sets me up for another default, which is not in my interest or XXXX XXXX interest. I am also experiencing medical retaliation for filing regulatory complaints of overmedication and assault in regards to my mothers medical care and passing and experiencing a significant amount of distress. I am attaching a one page monthly budget summary as Exhibit E that shows this deficit clearly. \n\n3. Pattern of problems with the dedicated point of contact and other agents Over multiple months, both when I was acting as power of attorney for finances and now as a confirmed successor in interest, I have experienced the following issues with my assigned dedicated point of contact and other servicing agents : Repeated refusal to provide basic modification terms, even after direct requests from me for the proposed interest rate, the proposed term in months and years, the full payment schedule or amortization, the escrow breakdown, and the post capitalization principal balance.\n\nStatements that no documentation and no detailed information about the modification would be provided until after the trial period was successfully completed. \nOn XX/XX/XXXX, an insistence that I must agree to the trial terms even while stating that the modification paperwork was not finished, that there was no letter, that it was impossible for me to have received anything, and that nothing had been emailed, followed by an email of completed documents on XX/XX/XXXXXXXX that directly contradicts those statements. \nA focus on whether I could pay the full delinquent amount or enter a very short three month arrangement, even after I had explained my limited fixed income and the fact that such lump sum or short term cures are not realistic for me. \nStatements that if I did not accept the offered XXXX, I had no other options, and that if I failed the trial I would have to file successor in interest paperwork again and start over, rather than continuing loss mitigation efforts as the already recognized successor. \nWhen I requested online access to the mortgage account so that I could review statements, documents, and payment activity, my dedicated point of contact denied that request and told me it was a privacy issue ; even though I had previously been the legal power of attorney for finances, I am now the court recognized executor of the estate, and I am the recorded successor on the deed and mortgage. \nThis pattern leaves me without the information I need to make an informed decision and undermines my ability to evaluate whether the trial offer complies with XXXX XXXX requirements or meaningfully reduces the risk of redefault. As the person responsible for managing this estate and making the payments, I should not be told that I must accept an offer without documentation or that I have no options if I question affordability. \nI am requesting assignment of a new, knowledgeable single point of contact or supervisory level contact who can provide complete, accurate information about all available options on a XXXX XXXX owned loan, and who will assist me in obtaining appropriate online access to the account consistent with my legal status. \n\n4. XXXX XXXX ownership, XXXX, and the waterfall Your written communication has stated that XXXX XXXX is the investor and owner of this loan. Another notice explained that you used a ranked ordering system, or waterfall, to evaluate workout options. In that notice you also stated that : A cap and extend modification was not offered because I qualified for another workout option based on my financial situation, and That other option is the XXXX trial plan. \nHowever : The trial plan and letters do not define XXXX or identify whether it is a XXXX XXXX XXXX XXXXXXXX or some other XXXX program. \nI have not received any waterfall worksheet or clear explanation showing how my loan was evaluated under XXXX XXXX rules, or whether maximum allowable term extension and other Flex tools were considered. \nBased on my own budget math, the XXXX trial payment is not sustainable, while longer terms and different structures could produce a payment that is much closer to what I can realistically pay. \nIn particular, the current XXXX trial appears to be based on a remaining term of approximately 186 months ( about XXXX years ), and I have not been given any explanation of why a longer term was not used to reduce the monthly payment, even though XXXX XXXX style modification guidelines generally contemplate extending the term, within allowed limits, to help achieve an affordable payment. \nBased on my fixed income, the short XXXX term with a {$710.00} payment is financially unsustainable. It is mathematically impossible for my loan to have failed an affordability test if the XXXX XXXX waterfall was correctly applied using the full XXXX term extension. \nI am therefore asking you to clarify exactly what XXXX is and how it fits into the required waterfall for a XXXX owned loan. \n\nXXXX. Requests for clarification, reevaluation, and correction Because XXXX XXXX is the investor and owner, and because I am already a confirmed successor in interest, I am requesting that you do the following : 1.Treat this letter as both an appeal and a complaint. Please treat this letter as : a.An appeal of the current XXXX XXXX XXXX XXXX, and b.A complaint regarding how my loss mitigation options and successor in interest status have been handled. I should not be required to accept any initial workout offer, or risk further foreclosure referral, before my appeal is fully reviewed and responded to in writing. \n\n2.Treat this appeal as timely or accept it for good cause. XXXX XXXX XXXX XXXX Summary is dated XX/XX/XXXXXXXX and states that any appeal must be submitted by XX/XX/XXXX, yet I did not actually receive the paper letter until around XX/XX/XXXX. I spoke with my dedicated point of contact on XX/XX/XXXX, and she told me that there was no letter, that the paperwork was not finished, that it was impossible for me to have received anything, and that I would not receive documentation until after the trial was completed. On XX/XX/XXXX, she then emailed me completed XXXX XXXX documents dated XX/XX/XXXX. \nThe conflicting and false verbal statements from your dedicated point of contact on XX/XX/XXXX made it impossible for me to rely on the stated appeal deadline. \nI did not learn about the specific appeal deadline and the written appeal process until I physically received and reviewed the paper letter, which left me only about six days to understand the written terms, reconcile them with what my dedicated point of contact had told me, consult with a HUD approved housing counselor, and prepare any appeal.\n\nIn addition, before the XX/XX/XXXXXXXX letter was issued I had already sent multiple written complaints directly to Rocket Mortgage at XXXX, XXXX, and XXXX, and I filed a CFPB complaint on XX/XX/XXXX, CFPB complaint ID XXXX, about these same servicing issues. I also scheduled a HUD approved housing counseling appointment for XXXX XXXX XXXX months in advance, on or about XX/XX/XXXX, because that was the first available opening. These steps show that I have been actively and consistently trying to resolve this matter in good faith within the limited time available. For these reasons, I am asking that you treat this letter as a timely appeal, or at minimum accept it for good cause. \n3.Explain what XXXX is. Please state clearly in writing : a.Whether XXXX is a XXXX XXXX XXXX XXXXXXXX, another standard XXXX XXXX XXXX, or a proprietary modification product of your company, and b.Which investor or XXXX XXXX guidelines govern the terms of this XXXX plan. \n\n4.Provide complete written disclosure of the XXXX terms. Before I decide whether to proceed, please provide in writing : a.The pre modification principal balance and all amounts capitalized. \nb.The post capitalization principal balance. \nc.The proposed interest rate and whether it is fixed or adjustable. \nd.The proposed term in months and in years.\n\ne.The exact monthly principal and interest portion. \nf.The escrow portion broken out between taxes, insurance, and any other items. \ng.Any principal forbearance or balloon amount. \nh.Any other fees or charges included in the modification. \n\n5.Reevaluate the loan under the XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please confirm in writing whether my loan has been properly evaluated under the XXXX XXXX XXXX XXXXXXXX waterfall. If it has not, I am requesting that you do so now. If it has, please provide the complete waterfall worksheet, including : a.The property value used. \nb.The pre modification and post modification principal and interest payment amounts. \nc.Any interest rate adjustments considered. \nd.Any term extensions considered, up to the maximum allowed term from the modification date. \ne.Any principal forbearance considered. \nf.The exact monthly net income and the specific non-housing expense figures used in the servicers calculation, including the treatment of my $ XXXX monthly HOA dues.\n\ng.The reasons you selected the current term length and payment level given my documented income and essential expenses. \n\nBased on my income of about XXXX dollars and my essential expenses and HOA, a short term plan with a XXXX dollar payment leaves me structurally negative each month. I am specifically requesting that you consider the maximum term extension available under the applicable investor guidelines, and explain in writing why any longer term was not offered, as well as any permitted principal forbearance, so that my monthly payment reflects a realistic ability to pay and reduces the risk of redefault. \n6.Confirm that declining or failing the current trial does not waive my rights. Please confirm in writing that if I decline or can not maintain the current XXXX XXXX because it is unaffordable : a.This will not waive my right to be evaluated for all XXXX XXXX eligible options, including Flex Modification, and b.I will not be required to restart the successor in interest process solely because I did not accept or complete an unaffordable trial.\n\n7.Correct the conduct of the dedicated point of contact and provide appropriate account access. Please review the conduct of my current dedicated point of contact and other agents who have handled my file and ensure that : a.Future personnel provide accurate information about all available loss mitigation options for this XXXX XXXX owned loan. \nb.I am given complete written terms before being asked to agree to any trial or permanent modification. \nc.I am not told that I have no options when I raise legitimate concerns about affordability and redefault risk. \nd.I am not placed in a position where I must authorize automatic bank drafts without completed paperwork and full documentation. \ne.I am not given verbal information that directly contradicts the written notices, especially regarding the existence of letters, the status of documents, and the appeal process. \nf.My legal status as successor in interest, executor of the estate, and responsible party for the mortgage is respected, including by granting appropriate online access to the account so I can monitor statements, documents, and payment activity. \n\n6. Submission method and request for confirmation Due to my lack of transportation and inability to access USPS certified mail, I am submitting this appeal and complaint to Rocket Mortgage by multiple electronic means. This includes email to your servicing and resolution addresses, and, if possible, transmission through my HUD approved housing counselor. Please confirm receipt of this appeal in writing and ensure that it is routed to Loss Mitigation and the appropriate supervisory staff for XXXX XXXX owned loans. \n\n7. Conclusion I want to keep this home. Properly structured, my mortgage and HOA payment are still less than typical market rent and the property represents important estate value and shelter. I am willing to accept a longer term, even though this means I may pay more total interest dollars over the life of the loan, if that is necessary to reach a sustainable monthly payment that I can realistically make every month. When I refer to higher total interest cost, I am talking about the total interest paid over time from a longer term, not an increase in the note interest rate.\n\nWhat I can not do is accept a short term XXXXXXXX XXXX XXXX that my own numbers and budget clearly show I can not afford, especially when I am not given full documentation or a clear explanation of how this plan was chosen over other possible options. I am asking for a good faith review that takes my actual current income and essential expenses into account and uses the full range of tools available for a XXXX XXXX owned loan. \nPlease provide a written response to this appeal and complaint, including answers to all requested items, within thirty days. I request that you send your response by mail and, if possible, by secure online message so that I can share it with my HUD approved housing counselor.\n\nI am attaching the following exhibits with this letter : XXXX XXXX XXXX Screenshots of the XX/XX/XXXX email from my dedicated point of contact transmitting the completed XXXX XXXX XXXX documents, showing the from address and the date and time received. \nExhibit B : Screenshots of the three scheduled payment emails confirming the automatic XXXX dollar drafts, including the account closed notation. \nExhibit C : Confirmation or summary of my CFPB complaint filed XX/XX/XXXX, CFPB complaint ID XXXX. \nExhibit D : Copy of the duplicate successor in interest packet sent to me by XXXX. \nExhibit E : Monthly budget summary showing my income, essential expenses, HOA, and the resulting deficit at the proposed XXXX trial payment level. \nThank you for your prompt attention. \nSincerely, XXXX XXXX XXXX XXXX XXXX : XXXX panwriter, markdown","date_sent_to_company":"2025-11-28T17:42:28.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"54650","tags":null,"has_narrative":true,"complaint_id":"17922315","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2025-11-28T17:11:52.000Z","state":"WI","company_public_response":null,"sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["After my current XXXX obligation ends, my essential non housing recurring expenses total approximately XXXX dollars per month. This figure includes utilities ( electric and gas ), phone service, auto insurance, minimum payments on existing debts, modest food and household needs, and a small group of essential subscription and technology services that I rely on for communication and safety, such as XXXX, XXXX, and caller ID spam blocking."]},"sort":[4.15491,"17922315"]},{"_index":"complaint-public-v1","_id":"8576967","_score":3.4464858,"_source":{"product":"Credit card","complaint_what_happened":"The Consumer Financial Protection Bureau (CFPB)\n\nComplaint ID #2XXXX\n\nOriginally submitted on XXXX XXXX XXXX, as a Federal Reserve banking services credit card product issue, the problem stated as a purchase shown on my account statement, filed against XXXX XXXX, has been formally withdrawn, given better understanding of the Federal regulatory divisions. \n\nSo for clarity, this complaint is intended against XXXX XXXX, XXXX XXXX XXXX XXXX and its credit card subsidiaries for violations of the legacy and recently issued customer compliance outlook dated XXXX.\n\nThe Federal Reserve consumer protection and community development to help ensure a fair and transparent financial services marketplace that benefits all Americans.\n\nFairness and transparency along with consistency are guiding principles that inform my perspective on bank supervision and regulation. \n\nTogether, these three elements help to ensure that the supervisory expectations are clear and, in doing so, encourage open communication between banks and supervisors. \n\nAs the Consumer Compliance Outlook (CCO) furthers these goals by providing financial institutions, compliance professionals, and the public with information about compliance with the laws and regulations that protect consumers and support investments in communities.\n\nId share that as the control documents fall into an ever-growing directory of regulations, laws, and advisories, its increasingly difficult for consumers to point to a single control document to gain the banks support staff attention i.e., REG E, once stop the process and guided prescribed steps required, without such assistance its often difficult to expedite consumer concerns.\n\nAmerican Consumers and lawmakers have repeatedly called for common-sense oversight surrounding personal financial data that gives consumers more control.\n\nTowards that end, there needs to be a restriction on what and how financial data can be bought and sold with, by, and through Big Tech firms as they morph into payment giants, demanding restrictive actions and oversight of peer organizations.\n\nIf tech names can show connective on financial transaction, its intimidation of consumers, intended or not, is seemingly insurmountable. So, if you go to the bank and are then returned to the culprit, where do you go for assistance?\n\nAlthough my complaint requires filing with both CFPB and FTC, its difficult to explain the issue without referencing both and correctly the U.S. financial institutions credit card issuers in these complaints the language may vary, however the results convey and enforce uniformly the same.\n\nU.S. Banks will not accept formal filings of complaint against XXXX XXXXXXXX., and thus, no consumer dispute calendar is ever engaged. \n\nAnd recently, just confirming those facts I found can generate a new series of actions by XXXX about consumer identity and/or financially related inquiries, although a consumer has a known relationship with XXXX.\n\nIt sounds as if the banks refer consumer into XXXX, but the banks support and service personnel advise, its difficult to contact XXXX by phone (but, easier than the standard long convoluted online client assistance offered by XXXX as a standard service method) so, expect long wait times, and please avoid Mondays under all circumstances. \n\nI wont call names but, one service representative, told the bank didnt accept disputes because all issues involving XXXX had to have XXXX approval to resolve and only after insisting she offered an alternative.\n\nThe Banks representative asked me to hold. She stated, however when I return dont refer to me, just explain the circumstances to XXXX, Ill listen silently and when the Apple rep. agrees and disconnects remain on the line and Ill return to insure a credit is issued. \n\nTraditionally, however, the banks representatives simply state questions related to XXXX credits and charges are exclusively handled by XXXX.\n\nThere is one exception, specific to XXXX XXXX deservant of special note, which was a back office engagement.\n\nIn the XXXX XXXX XXXX, on three separate and distinct dates, the Banks automation kicked-off the following advice:\n\nPlease let us know if you or an authorized user recognize the purchase below. The sooner we hear from you, the sooner we can help protect your account from unauthorized purchases.\n\nOn all three (3) the merchant, XXXX for XXXX, each had received an automated DECLINE, the electronic notice further stated.\n\nIf you respond yes, declined transactions will stay declinedAfter responding, try your card again.\n\nI received the same notice on XXXX XXXX and on XXXX XXXX XXXX, at which time I called the Bank to inquiry why Id started receiving these notices. I, like many, dont always use the same card from purchase to purchase or month to month.\n\nBut, I didnt realize these notices were connected to the Banks systematic authorization application and would generate auto-declines on any purchase in the future anytime the card was used and without explanation.\n\nIt was a holiday weekend, as I recall, so it would have been Wednesday, XXXX XXXX XXXX, when I spoke to a Bank customer service representative, who asked for patience as she transferred the call. \n\nThe authorization rep., wasnt as I recall being in the least concerned for my understanding, which was usual but, it was clear the authorization rep., needed and was going to clear the decline against XXXX at all cost.\n\nWhat made it especially memorable was the fact, he advised the card would stop every time used until the decline was lifted and when I asked why he advised it was the fact the card had a decline for a charge against XXXX? \n\nThe comment, the authorization issue, was so bothersome. I stated it would not be acceptable, and Id need a name and what policy of XXXX XXXX this decision was tied to?\n\nThat was the first time he began searching for work around-s but it was the first time he advised hed insure the card continued to operate.\n\nI can only assume he re-instated or removed it all together because wed agreed Id reach out to advise but, when I researched the one item, it lead to another and quickly became overwhelming.\n\nI cant imagine what a senior or young college-age-consumer or anyone working outside the home could do to manage through the process and maintain employment, or a reasonable family-life or a life, period.\n\nWith no assistance from the Bank I attempted to complete a forensic audit and recap of the credit cards transactions held with XXXX XXXX alone, for XXXX:\n\nLet me walk you through just one of many transactions with one credit card processor.\n\nXXXX, XXXX bills my XXXX account twice once for Cloud storage and the second a music subscription.\n\nXXXX RECONCILIATION DOC: of XXXX billing shows both a Music Subscription and Cloud storage charge dated XXXX and XXXX.\n\nREMEMBER XXXX XXXX automated system reports a serial of transaction requiring authorization and in discussion with their authorization support member, basically its agree or every future authorization with be, declined and, the advice offered is I have number to offer for assistance but, staffing is limited (notifications dated XXXX XXXX and XXXX).\n\nMost importantly, no documentation is kicked off or documented and/or disclosures generated.\n\nXXXX SUPPORT is online only, so the consumer is required to figure out the description successfully to get to the end-result. \n\nIf youre unsuccessful, you can ask a chat-bot which offers the same details in an endless loop with no live support available so, can anyone see how this meets the ADA requirements or timelessness standards?\n\nXXXX, XXXX also bills XXXX XXXX account XXXX, for Music Services and a separate generated billing and statement (attached)\n\nXXXX, 1XXXX XXXX bills XXXX XXXX account XXXX# titled BILL CA.\n\nXXXX, XXXX bills XXXX XXXX account XXXX# traditionally Music storage charge.\n\nXXXX, XXXX bills XXXX XXXX account XXXX# traditionally Music storage charge.\n\nXXXX XXXX bill XXXX XXXX account XXXX# traditionally Music storage charge.\n\nXXXX XXXX bills XXXX XXXX account XXXX# traditionally Music storage charge.\n\nXXXX XXXX bills XXXX XXXX account XXXX# traditionally Music storage charge.\n\nXXXX XXXX XXXX bills XXXX XXXX account XXXX# traditionally TV service.\n\nXXXX XXXX bills XXXX XXXX account XXXX# traditionally Music storage charge.\n\nXXXX XXXX accounts once, re-numbered, not continue to report or display so, you need bank assistance to determine long-term damage and access. \n\nAnd whether inadvertent or intentional, the scope and manner of XXXX actions and provide warning of how easily monopolist organizations set-up shop undetected before the American people. \n\nId also add, until this XXXX, Ive never requested access to Music or TV and have never used either, although the XXXX APPS are available but, Ive never downloaded the TV APP. \n\nOne critical point who buys a service which is never used, or the required app to use the service, is never downloaded in a closed loop environment is impossible to use without XXXX authorization.\n\nStorage has been previously sold to XXXX and has now returned to XXXX but, many times at the point of opening, the photo files it holds immediately degrade until unusable. \n\nEach of these entities (XXXX and XXXX) having platform interest, storage i.e., one picture generations additional opportunities, to edit one generating two files of storage, each picture edit standalone into multiple files driving up storage expenses consumers may or may not be aware, extra document review generates a new file, etc. , thus device, and related entities.\n\nLet alone temporary files, which are maintained without many times consumer awareness so, files only useful to the big 3 or 4 generate endless storage opportunities and up-charges and billings, etc.\n\nXXXX recently began demanding privacy issues of responsibilities and assuming ownership over the phone producer. \n\nSo is the seller the owner, or the manufacturer if XXXX or XXXX, etc., the producer or does every owner thereafter become the privacy owner, selling, and enabled to start new relationships, etc., so where do consumers reclaim privacy data exposed?\n\nAnd since XXXX isnt a traditional entrant, why do they have an interest in your data other than to sell financial materials to others but, clearly these actions set the ground-work of determinations of unwinding products and services unconsidered.\n\nBohemian corporations like XXXX, seem to express and engage in cooperative relationships with peer organizations to pierce traditional oversight measures which weve observed in the U.K. i.e., XXXX accused of destroying sellers by withholding money in so-called, reserve accounts structures. XXXX payment policy states the reasons for putting money on hold include a sudden increase in sales, a shop having only made its first sale recently, the shop committing a policy violation or other risk factors.\n\nSome sellers told the XXXX that two reserve periods were imposed on them consecutively, said XXXX XXXX, XXXX Business reporter, headline XXXX accused of destroying sellers by withholding money, published XXXX XXXX XXXX.\n\nBut, theres a much larger issue which never consolidated by oversight there are direct sub-sets all tied to financial transactions and services which combined directly disadvantage not only small businesses but, consumers who are easily overwhelmed not only by the direct correlation but, all the associated and unseen correlations, continues XXXX.\n\nXXXX is an online marketplace that allows independent sellers to set up their own shop. It specialises in bespoke items, handicrafts or things not usually available in High Street shops.\n\nXXXX XXXX. is a US-based company which trades its shares on the XXXX XXXX XXXX in New York, where it listed its stock in XXXX. XXXX shares currently trading at XXXX each - a far cry from an all-time high of XXXX during the Covid pandemic in XXXX.\n\nIts biggest shareholders are major financial institutions such as XXXX XXXX XXXX and XXXX XXXX.\n\nThe company is led by chief executive XXXX XXXX who has worked at an eclectic mix of businesses such as online auction site XXXX, the internet chat firm XXXX and XXXX XXXXXXXX. He has been chief executive since XXXX.\n\nIt was originally founded in XXXX by XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX who started the business from XXXX XXXX Brooklyn apartment. None of them remain with the firm.\n\nThe CFPB must advance quickly plans to begin the tactical widening issues of rule-making that would subject XXXX XXXX XXXX and others to supervision as it examines how companies monetize data that and continues an unfair assault on consumers.\n\nAnd even with items highlighted the list unseen considerations continues consumers and small business are assaults daily including, independent Internet companies affect anyone as consumers are tracked online through XXXX and other browsers, given the ability without oversight to freely, come and go-to browser comes through search engine the playground of the Big 3 or 4 i.e., XXXX, etc. with each browser uniquely given comprehensive privacy protection and controls but, in protection of whos interest?\n\nTens of millions of consumer are or arent protected not at their behest everyday online activities, searching browsers, email, on the unlimited platforms of XXXX XXXX XXXX, and XXXX\n\nBut, whats clear, American CORPs have increasingly jumped the moon and time is ticking, and not on the side of U.S. consumers. \n\nHow XXXX has accessed and kept up-to-date posting against numerous MasterCard/VISA account numbers, sometime able to access closed accounts which have been closed for fraud activities.\n\nReporting any fraud generally receives no follow-up most consumers would state but, an account closure, new card and account generated. \n\nAny unauthorized transactions until recently, when I found multiple transactions from a Tech Giant, which were reversed over months and no other action taken.\n\nIt also points out the varieties methods for MasterCard/VISA accounts are recorded and records-kept by banks, some disappear such as XXXX XXXX systemically goes through and removes accounts so, how does a client further identify all activity and does the FED have any accounting standard?\n\nAnd from a safety and liability stand-point how many accounts are reconciled by a certified public auditing and accounting corporation perspective?\n\nAnd if XXXX is off the reservation, how does such measurement impact bank stability overall today and into the future?\n\nXXXX will pay XXXX to resolve harassment charges after top executives sent live spiders and cockroaches to two bloggers who wrote critical articles about the company.\n\nSenior staff at the US tech firm launched a petrifying harassment campaign against XXXX and XXXX XXXX, a couple from Massachusetts who run the e-commerce Bytes blog.\n\nToday its impossible to say what wont be done in the steeple decline of civility, during COVID-19 and the housing crisis who didnt financial services CEO, swearing at American consumers and stockholders?\n\nExecutives were upset with some of the coverage on the blog and said the writers had to be burned down.\n\nBesides a box of live spiders and cockroaches, the couple was sent a funeral wreath, a bloody pig mask, and a book about surviving the loss of a spouse.\n\nIna Steiner received bizarre and sometimes threatening messages on Twitter purportedly from groups such as an irritable bowel syndrome patient support group and the Communist Party of the United States.\n\nThe pairs home address was also posted online alongside invitations for strangers to attend sexual encounters, yard sales and parties, while the employees made plans to break into their garage and place a GPS tracker in their car.\n\nThe XXXX said the harassment had a damaging and permanent impact, on them emotionally, psychologically, physically, reputationally, and financially.\n\nOver three years after the employees were prosecuted, the US Justice Department has now charged XXXX with stalking, witness tampering and obstruction of justice, said XXXX XXXX of the Telegraph under the headline, XXXX ordered to pay couple XXXX after senior executives sent bloody pig mask and live cockroaches, published XXXX XXXX XXXX\n\nXXXX XXXX acting as Massachusetts US Attorney, said: XXXX engaged in absolutely horrific, criminal conduct.The companys employees and contractors involved in this campaign put the victims through pure hell, in a petrifying campaign aimed at silencing their reporting and protecting the XXXX brand.\n\nThe need for stronger, sustained and long-term oversight is clear and each case filed takes the marketplace further and further down the rabbits hole but, neither commitment nor oversight shows true interest in resolving such acts, if it were so, the record would show success but, it doesnt because neither institution public nor private is focused on the American peoples interest to the financial services great demise. \n\nThus when I advise it appears XXXX has access to credit card numbers and account unrestricted and even further credit reporting agencies, all form a web-connection with concern, add to the team MasterCard, Visa who are exclusive unrestricted parties and American consumer are basically unprotected victims awaiting further victimization in a pool of sharks.\n\nIt may not seem the same but, it is when XXXX bills you repeatedly for the same services and holds hostage any photos or documents refusing to save or hold documents and refining the storage held and doing this while having been paid for the service, shows no controls in place i.e., Your iCloud storage is fullnotifications, actions, dated 1XXXX XXXX, etc. XXXX shows no controls or correlation, continuing to forward notifications for many devices from one record which appears as its organized to overwhelm clients, taking lazy revenue dollars against the consumer and doubling or tripling revenue, i.e., Your iCloud storage is fullBecause youve exceeded your storage plan, dated XXXX, etc. \n\nIn addition, XXXX has established direct connection links so, even passing and reviewing monthly transactions generations Thank you for viewing purchase details associated, and sets new parameters which can convey intended or not an implied threat and why does XXXX need a live-connection if this is the same service provided by US banks?\n\nNotifications dated XXXX XXXX\n\nIf nothing else is true, each additional touch conveys exceptional status between U.S. banks, which are regulated with XXXX right, wrong, or indifferent?\n\nIt creates a status intended or not, which is advantageous to XXXX alone and further, oversight and regulatory understanding and complexity safety. \n\nThe most important rule making for the CFPB in XXXX will be the Tech Giants\n\nIn the absence of Congressional actions only the FED-regulators and the U.S. Courts are ability to exercise some controls and corporations and financial services are already heading back to the U.S. Courts to destabilize the marketplace, this only an example of the liability and regulatory environmental landscape, collapsing onto American consumers.\n\nWorse than the conscious destabilizing action are unconscious impacts when corporations extend pressures as the parents seen in the last Congressional hearing with XXXX XXXX, it can become immobilizing to the human psyche. XXXX walks out feeling put upon but, hes wrong just as financial services, internet service providers and the Federal government are the civilization fails whenever every day for We the People is the story of David and Goliath, Congress plays a continued game as it allows this issues unaddressed to go to the U.S. Courts or become Executive Orders.\n\nIncreasingly, its clear, its not a matter of whos watching the hens house, theyre busy watching from XXXX, CO no longer concerned American consumer will find, discover or take rath but, its foolish to believe your actions are invisible everyones replaceable and theres always one born every minute, even smarter oh and its a presidential election year, as the fryers hearing up on bad behavior.\n\nFinally, as XXXX XXXX, the FED and regulatory bring a new merger for consideration, almost like the XXXX XXXX), which the FED brought forward and ultimately become XXXX XXXX, which continues to bleed consumer confidence and legal actions its clear Justice needs a much larger and better partner than the FED who seems to have lost its oversight expertise. \n\nIt knows until the law addresses the People intent, its basically waiting for appeal, a second bite at the same issues upon appeal and its wrong, We the People depend on righteousness to prevail, known.\n\nThank you in advance for your guidance and assistance.","date_sent_to_company":"2024-03-19T22:56:46.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"06066","tags":null,"has_narrative":true,"complaint_id":"8576967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-03-19T21:49:41.000Z","state":"CT","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["XXXX, XXXX bills my XXXX account twice once for Cloud storage and the second a music subscription.\n\nXXXX RECONCILIATION DOC: of XXXX billing shows both a Music Subscription and Cloud storage charge dated XXXX and XXXX."]},"sort":[3.4464858,"8576967"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":16,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":16}]}},"product":{"doc_count":16,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":5,"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":5}]}},{"key":"Credit card or prepaid card","doc_count":3,"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":3}]}},{"key":"Credit reporting or other personal consumer 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