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Checking or savings account | Checking account | XX/XX/XXXX my bank of america account was hacked. I quickly received an email regarding low funds and contacted my bank. They did nothing but tell me they would research the issue and would take 10 days to come to a decision. Today I received notice that my claim was denied because the transactions in question were completed by a third party who was given access to your account or account information. I've never ever given my information to anyone to steal my money. They told me today that if I get a letterhead from an IT or XXXX XXXX company stating that my laptop was compromised that they would revisit my account. I spoke to an IT professional and they said that wont prove anything. The bank has IP addresses of whoever logged in and they can trace it. The bank has not done anything to find who did this. There was proof that someone made multiple payments to XXXX with account numbers and they told me they dont contact them??? I was furious! Said so what are you doing for me then?!!! There is evidence where my money went and they did nothing about it! |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Equifax got hacked and now sites such as XXXX XXXX XXXXXXXX are telling me my identity and credit information could have been compromised as part of the hack/breach. This creates unnecessary anxiety, worry for me. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.
Item # 1 : I dispute XXXX XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXX agreed to. XXXX XXXX XXXX has been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made.
They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account.
Please delete this account. XXXX XXXX XXXX did not report this account correct for more than a year.
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.
Thank you for your prompt attention in this matter.
Respectfully, XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. |
Debt collection | Credit card debt | This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Transunion reported collection agencies to my Transunion credit report, so I sent 3 rounds asking for validation of debt and in return they said the debts were verified by sending bills. NO CONTRACTS WITH SIGNATURES like i asked. Please help. Attached are dispute letters i sent to Transunion and the bills and responses they sent me. |
Debt collection | I do not know | This company is reporting information without my consent in which it states i owe such debt to this collection which is not in fact the original creditor this is false pretenses This company have violated my consumer right under 15 U.S. Code 1692j - Furnishing certain deceptive forms. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX High Balance : {$1200.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX Payments late : Late 30 days |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XX/XX/2019 2., XXXX XX/XX/2019 3., XXXX XXXX XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. |
Debt collection | Credit card debt | An Account was charged off and listed as a profit or loss write off. I have not received the 1099 that should have been mailed to me.
Report also has many errors on this account, all showing different dates |
Debt collection | Credit card debt | Wells Fargo XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, IA XXXX Account Ending In : XXXX XXXX Identity Theft ) My identity has been compromised and although I've made Wells Fargo aware that the account in question does not belong to me, Wells Fargo has continuously reported a fraudulent account on my credit report.
My most recent correspondence XX/XX/2018, notified Wells Fargo that their attempts to collect a debt were illegal and their erroneous reporting of the negative and fraudulent item on my credit report.
Unfortunately, Wells Fargo has refused to remove the negative items from my report. The FCRA demands that a true and accurate report be made of an individuals credit worthiness. Wells Fargo 's erroneous reporting is nothing short of defamation of character. |
Vehicle loan or lease | Loan | date various from XX/XX/2022 to XX/XX/2022 XXXX from NCB MANAGMENT SERVICES a third party company, the account was closed by XXXX XXXX and this third party NCB MANAGMENT refuses to close account |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I did not consent for these consumer reporting agencies to furnish any information disclosed in my FTC report to any person. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Hi, I have tried countless times to dispute the issue with XXXX pertaining to the incorrect stated amounts owed to Spring Oaks Capital LLC. Each time my claim has been returned as confirmed, which is incorrect. Please correct me if I'm wrong, but it is to my understanding that a company collecting debt or so-called debt are required to be licensed in the state of the alleged person that owes the debt. Is that correct? If so, according to Spring Oaks Capital LLC is not licensed in the state of New York. On that data point alone any claim and/or attempt to collect debt from me should be taken as a violation of Consumer Finance Laws and an attempt to commit an unlawful act. There's also the issue of I do not know nor have ever signed any document binding me to XXXXXXXX XXXX XXXX XXXX. XXXX should be held responsible for lack of debt ownership and illegally allowing the sharing and/or access to my private personal information. More so for assisting in the perpetration of a fraud.
Case in question are : XXXX Credit Report Spring Oaks Capital LLC XXXX XXXX XXXX XXXX - XXXX. {$650.00}. |
Debt collection | I do not know | When I contacted LVNV Funding requesting the debt be validated pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act, they refused to validate the debt. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. |
Student loan | Private student loan | I am a XXXX XXXX VA XXXX XXXX veteran. I am cosigned/paying for two separate student loans for my Son whom is attending XXXX XXXX University in XXXX. I am unable to negotiate a lower interest rate. Nor am I able to make these loans not count so harshly against my credit score. I have done all that I can in dealing with Sallie Mae. I don't know what I don't know and I am really just trying to get the best advice and interest rate possible. Please advise The two loans combined exceed {$47000.00} |
Debt collection | I do not know | I have no knowledge of said debt. |
Checking or savings account | Other banking product or service | I filled a name change at my online bank ( HSBC, XXXX ) of which they forwarded me a secure email under a XXXX format ( automated signature done via email XXXX XXXX XXXX? XXXXXXXX XXXX ). The documents they requested were an id, a document showing the name change like my marriage certificate, and they also asked for my full social sec #. I had no issue since it was via a secure method and from/through my bank.
They just sent me the executed docs via email ( unsecured /no protection ) which contained the image of my license, marriage certificate, and the doc containing my signatures and Full Social Security number. I was leery of my social # initially being submitted, but did confirm it was a secure method so my concerns lessened. I was not aware they were going to send it back to me in what appears to be an unsecured format.
I responded to the email indicating that they sent all of my personal identification info through unsecured methods as well as called HSBC to file a complaint. On the call they said their emails are encrypted if sent from HSBC but, again, I dont see it. Also the email sent back was from XXXX under the HSBC name so I dont know if that is something that is auto generated from the vendor they use, which may very well not be secure. Since I dont know if my complaint to them will go anywhere, I thought I would file this with you as well. I have my credit frozen from the credit bureau breech but this is awful to send all of that data out for anyone to pick up. Since they are an international company, if they are sending unsecured emails out w/ PII then that should be also violating GDPR in the XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | " In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights.
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A . States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. '' |
Checking or savings account | Checking account | I opened a claim on CFPB under this number XXXX I was requested by the bank to call them to start the claim requested but on the number they provided XXXX XXXX XXXX there is a record message saying " we are unable to accept this call due system restrictions '' ( Im not in the USA right now ), also I called XXXX XXXX XXXX and they can't help me because the account is closed, they gave me two different numbers XXXX XXXX XXXX / XXXX XXXX XXXX and on that phone nobody answer.
So as you can see is impossible to call the bank for this issue.
I have the right to request to open a claim by mail or fax, is not needed compulsory by phone.
So please proceed as requested or give me a fax number to send this letter.
Thanks |
Debt collection | Credit card debt | Hi XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am writing to formally express my serious concern and dissatisfaction with the conduct of your company, which I believe is in direct contravention of numerous provisions under the Fair Credit Reporting Act ( FCRA ). The distress caused to me due to your company 's reporting of inaccurate, incomplete, and misleading information is substantial. This has not only impaired my reputation but has also created hurdles in my pursuit of personal and home credit, thereby adversely affecting my overall lifestyle.
As per the provisions of the Fair Credit Reporting Act ( FCRA ), I DEMAND that within the requisite thirty ( 30 ) days, all items which can not be verified be duly DELETED and MODIFIED respectively from my credit report.
Your company 's role in collating and assessing consumer credit is of critical importance, as stated in 15 U.S. Code 1681 ( a ) ( 3 ). By not abiding by the laws, you have negatively impacted the efficiency of the banking system and undermined the public trust it requires for seamless functioning.
On XX/XX/XXXX, I delivered my first correspondence, in sight of a State Officer, which aimed to inform you of the accounts inaccurately reported on my consumer credit report. Despite my clear request for method certification and explicit refusal to consent to XXXX XXXX Compliance or any Automated Dispute System or Automated Reinvestigation System, there has been no response from your end after thirty days. This silence is concerning, particularly considering U.S. Code 15 1681i, which mandates prompt action to delete or modify the disputed information based on the results if an investigation is not completed within thirty days - a duty which you failed to uphold.
I further highlight my right to privacy, fairness, and impartiality, as prescribed in 15 U.S. Code 1681, which currently seems to be disregarded. My written instructions, as outlined in 15 U.S. Code 1681b ( f ) ( e ) and 15 U.S. Code 1681b ( a ) ( 2 ), appear to have been overlooked, adding to the grievances caused by your non-compliance with federal law.
Additionally, I would appreciate clarification about the course of the investigative process, if it was conducted, considering the provisions of 15 U.S. Code 1681a ( e ). As a consumer, I have the right to know who was contacted in the process of collecting information concerning my character, general reputation, and mode of living.
In light of the case Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), I feel compelled to remind you that your company can be held accountable for willful non-compliance and any consequential damages. The repercussions of your actions are real, affecting my life significantly.
Given the gravity of the situation, and being a litigious consumer, I assert that I will not refrain from pursuing legal action, if required, for any infringement on my right to privacy and for the circulation of false information on my consumer report.
Juggling multiple roles in my personal life, including and ensuring the well-being of my family amidst a crippling economy, I find this added distress caused by your company 's inaccurate and negligent investigational procedures and reporting truly overwhelming.
I urge you to take immediate action to rectify these inaccuracies, or I will have no choice but to seek legal redress for these violations of the FCRA, including 15 U.S. Code 1611, 15 U.S. Code 1681n, and 15 U.S. Code 1681o, and for personal damages inflicted upon my character.
Let 's not be unambiguous here, you are clearly violating the Fair Credit Reporting Act, and if this continues I will not hesitate to proceed with litigation against you. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am a victim of identity theft. I have previously notified XXXX XXXX of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. XXXX XXXX opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. XXXX claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. XXXX claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a XXXX Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge XXXX to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted XXXX from my number and I never went into a branch. I have literally never been into a XXXX branch in my life. XXXX is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from XXXX in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ). If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, etc. XXXX XXXX is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. The credit reporting agencies in the complaint ( Equifax and XXXX ) and thusfar not done any sort of actual investigation either and have taken XXXX XXXX at their word and continue to report false, negative and harmful information about me to creditors. This will be the last complaint I file, the next step will be to file suit. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request.
XXXX XXXX XXXX : {$870.00}. |
Checking or savings account | Checking account | On XX/XX/2019, Bank of America made the decision to close my account for a undisclosed reason. I gave my account information out to someone over text message. They were asking to pay off my debt, and I was willing to give them that account information, now I think they have something to do with this. The company didnt disclose why they closed the account though, and that really got on my nerves. |
Credit card or prepaid card | Store credit card | I made a payment of XXXX dollars to my Target credit card on XX/XX/2020. I checked my account on XX/XX/2020 and my credit limit is XXXX dollars instead of XXXX dollars. The funds were withdrawn from my bank account as a payment to Target. I called Target CS and they told me that even though I made a payment of XXXX dollars they are holding a credit of XXXX from my credit balance. They are refusing to tell me why. I have never had this happen before. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Dear Sir or Madam, 1. XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX and XX/XX/XXXX lastly 90 days late on XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I went to get a car loan and Transunion is still showing my mortgage is delinquent when it is actually current, but since this is the only company the car loan people had access to, they could n't accept any other company 's reports. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT.
XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I'm requesting a Reinvestigation of every XXXX listed below because I did not authorize that my credit be run like this. This makes no sense to me at all! I want to know why these companies ran my credit report this many times, the way they did. This is definitely a violation of my rights In Accordance With the Fair Credit Reporting Act. These items could not have been reviewed or investigated correctly, look at how many times my credit was repeatedly run back to back! Incorrect Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is inaccurate reporting, which is a violation of my federally protected rights. I am really upset about this obvious oversite, and it seems as though someone is deliberately trying to ruin my credit. XXXX XXXX XXXX section XXXX A. States that I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : XXXX that the consumer reporting agency can not furnish an account without my written instructions. I never provided any kind of written instruction for my credit report to be run like this. Someone should have noticed these mistakes other than myself! I am really upset about this type of inaccurate and negligent reporting. XXXX XXXX XXXX ( A ) ( XXXX ) XXXX that no consumer reporting agency may make any consumer report containing any of these items of information. My authorizing any company to run my credit report like this is False. XXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This is this is apathy to me. It's also plain to see that no consumer would give consent to run their credit back to back like this, knowingly ruining their credit, especially me. Someone should be held responsible for this and deletions done immediately. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unauthorized Inquires on trans union credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Debt collection | Credit card debt | I was never contacted by this company. One day my neighbor grabbed my package for me while i was at work and there was a very embarrasing packet on my porch stating that I was being sued. it wasnt in an envelope or anything.They have not once made contact with me or left a voicemail. It is also very humiliating when your neighbors tel you that you are being sued. Thats kinda personal. |
Credit card or prepaid card | General-purpose credit card or charge card | XX/XX/XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX Business expert to review my case Follow Up my complaint to CFPB called and said " Temporary Credits are Permanet and Apply to Accounts " I apologize we disagree 1 ) Why are they called Temporary Credits IF THEY ARE PERMANET?
2 ) On XX/XX/XXXX Statement Please explain what ( Total Credits ) Represent What Credits are Included in the amount of Total Credits? TRUTH in lending USAA STATEMENT of XX/XX/XXXX says CLEARLY ( TOTAL ) CREDITS APPLIED FOR THIS PERIOD {$910.00} 3 ) Please explain what ( Other ) Credits Represent ( {$2600.00} ) What credits are included in these?
Am I to Add the ( total ) credit amount that is separated {$910.00} to the ( other credits ) {$2600.00} together FOR a *Real TOTAL of Credits.??
And please explain all the New Purchases I did NOT PURCHASE that say.Security of and An Amount Charged. to my Account No Explaination What these are NEW PURCHASES that I DID NOT PURCHASE FOR? There are {$1700.00} I HAVE NO IDEA WHAT THEY ARE FOR ** I KNOW I DID NOT CHARGE THEM |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2023 |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Commenity Bank has not reported my account to the credit bureaus for 3 months. I am told it is reported every 30 days but it clearly is not.
Twice, I sent an online message to Commenity asking why they have not reported my account standing to the credit bureaus. The first time they told me they report every 30 days, even though I said they havent reported for 3 months. The 2nd time, I was told that their systems are down and I need to wait 45 days. I have already waited 3 months. Now I have to wait 4.5 months.
I am trying to obtain credit and this account if affecting my credit score. Today, a supervisor hung up on me when I asked to speak to someone above her. These people are disgusting and rude.
I need my credit report updated ASAP and z Commenity is making it impossible for me. They are not following through on their responsibilities. They are treating me like I have no rights in this matter and they are telling lies about reporting it to the credit bureaus. I have filed a dispute with all 3 credit bureaus and they are clearly not getting answers from Commenity either.
I also want an apology from the company because the supposed Supervisor hung up on me. I am sure they can find out who it is. |
Credit card or prepaid card | General-purpose credit card or charge card | On XX/XX/21, an unknown charge for {$840.00} was Pending on my Apple Card ( Goldman Sachs ), I submitted a dispute the same day and was told that, because the charge was still " pending '', they would monitor the charge and if the charge posted, the dispute process would start with no further action from me. If the charge did not post, it would just drop off of my account.
Since then, I have made dozens of calls and chat sessions with Apple Card Support about this charge that posted to my account on XX/XX/21. On this date, I received a " provisional credit '' and exactly one minute later, the provisional credit was reversed. After many phone calls, I finally learned that the dispute that I repeatedly called about had been ruled in the merchant 's favor because, they stated, I " withdrew my dispute '' -- this is a complete falsehood.
In an effort to resolve this matter, I sent emails to the merchant advising that the transaction was made fraudulently and, in coordination with the merchant and XXXX, successfully redirected the merchandise back to the merchant. After the merchandise was returned, I submitted proof of this to Apple Card Support. I have received multiple emails from Apple Card Support advising that a " credit has been applied '' to my account and have been told countless times ( verbally and in writing ) that I am " never responsible for unauthorized transactions '' yet, as of XX/XX/21, I am now receiving notifications from Apple Card that my account is " Past Due '' and the {$840.00} is now accruing interest charges and late fees.
Repeated phone calls to Apple Card Support, as recently as today ( XX/XX/21 ), have resulted in the same assurances that " the dispute is in process '' and " the credit will be applied '' but none of this ever actually happens. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report.
XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX XXXX XXXX : {$0.00} |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602. states i have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not funish an account without my written instructions under 15 USC1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for an purpose. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Equifax has violated my rights under the FCRA and FTC Law. I have been trying for over 60 days to have the unauthorized inquiries remove from my credit report. Based on the laws, all information on my report must be accurate, no errors and verifiable. Equifax has not provided any evidence or proof. The inquiries attached to this complaint must be removed immediately.
I am requesting CFPB to force Equifax to do its job and conduct a proper investigation to include producing proofs that these unauthorized inquiries were authorized by me. Please see attached evidences that I have been trying to work with Equifax by sending several certified mail requesting their verification of these inquiries.
My next step is to bring this case to small claims court. |
Checking or savings account | Checking account | I am having problems with opening checking account online with Bank of America, i am not seeing any problem that may prevent Bank of America approve my online request for opening Core checking account.
Application numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I obtained my XXXX XXXXXXXX XXXX XXXX credit report. There was a U.S. Bankruptcy court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
My inquiry to the U.S. Bankruptcy Courts confirmed XXXX XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them They further stated while they are NOT liable or responsible for any MIUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrect. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Per the FEDERAL CREDIT REPORTING ACT, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the ORIGNAL signed consumer contract and/or judgment ( s )- all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
I have included my last letter sent to the credit agencies demanding this false inaccurate information be deleted from my consumer credit report and I have yet to hear back from them. I am herby asking that this be handled immedicably. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have submitted a dispute about a fraudulent inquiry with Equifax.
XX/XX/XXXXXXXX XXXX 2022 I submitted a dispute about a fraudulent inquiry XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I was told to submit a copy of the FTC report, copy of ID and Social Security card. I submitted these items and called on XX/XX/XXXX to get the results. I was told that they would be removed in 30 days. They were not.
XX/XX/XXXX ( more than 30days since the dispute was submitted ) I called and was told that the inquiries would be removed in the next 72 hours. On XX/XX/XXXX XXXX inquiry was removed but XXXX XXXX XXXX XX/XX/2022 remained.
XXXX XXXX called again and was told that I did not provide a cover letter when I submitted my dispute thats why one inquiry remained! I aksed exactly what coer letter they needed and was given instruction to address it to Equifax and outline the inquiry being disputed.
During this time I submitted complaints to CFPB with all the documentation I sent to Equifax.
XX/XX/XXXX I sent all the documentation requested with a cover letter. This letter was received by Equifax XX/XX/XXXX accoring to the Us Postal Service.
XX/XX/XXXX I received a copy of my credit file dated XXXX XXXX ( confirmation # XXXX on this report the inquiry still remains.
XX/XX/XXXX I called Equifax and asked for the fraud department and the lady says this is actually the fraud department so I ask for a supervisor from the fraud department. After XXXX minutes of waiting I spoke with a gentleman that states : We received your documents but the inquiry remains because your social security number isn't legible!
To the human eye it is legible but maybe not to a computer! |
Credit card or prepaid card | General-purpose credit card or charge card | I opened an Apple credit card and used it for a few purchases. I needed to pay the bill Of {$87.00} and contacted them to make a payment over the phone by check. I paid the balance on XX/XX/19 over the phone by check.
I received a letter demanding payment again for the same bill, this time with an added amount of interest, {$2.00}. I contacted them again by phone and agreed to send a paper check via U.S. Postal service, which I did for {$87.00} on XX/XX/19 ( # XXXX ).
I received another bill via USPS demanding payment of interest on top of Interest, the new amount is {$2.00}. I have tried to resolve this matter via phone to no avail.
I do not owe this money. I appreciate any assistance you may provide. This is a Predatory tactic by a large bank which has engaged in unfair and deceptive practices. |
Credit card or prepaid card | General-purpose credit card or charge card | Please note : Phone calls are not permitted in this legal matter.
On or about XX/XX/XXXX a promissory note in the form of an application was given to CFO XXXX XXXX dba BREAD FINANCIAL HOLDINGS, INC and/or affiliates.
Upon my research and investigation I have found out that my application and/or agreement were in fact exchanged for federal reserve notes at their local Federal Reserve Bank XXXX XXXX over the counter ( as I pay fees and interest on top of what they took from my estate ) and I was not given full disclosure at the time of paperwork being signed. I am privy to this information and now that I am ; I have a right to my securities that were taken from my estate.
On XX/XX/XXXX I XXXX, XXXX on behalf of XXXX XXXX gave first notice XXXX XXXX XXXX XXXX that I accept all XXXX XXXX Rights, Interest and Equity owed to XXXX XXXX. Along with my tender/Allonge of payment ( entitled 'LETTER OF INSTRUCTIONS ' ) ; I also accepted and endorsed the negotiable instrument ( bill ) offered to me.
I have given XXXX XXXX XXXX 5 business days ( per notice ) to respond in writing or to apply the principal 's balance to the principal 's account for setoff I was met with a notice from their organization saying that I sent XXXX XXXX XXXX a cease and desist ; where as you can clearly see in the notices you have ( same notices XXXX XXXX has ) it says to contact me in writing. NOT to cease and desist contact.
Since then I have sent out 3 notices ( 3 tiers ) totaling 30 days. These notices are clear and concise of what I want them to do. I have performed and expressed myself according to the Federal Reserve Act Section 29 ; and now I am here to properly have XXXX XXXX XXXX and/or BREAD FINANCIAL assessed.
They're in XXXX of XXXX for inferior performance of their fiduciary duties. At this point they're in the know of this breach and I would consider their actions to be scienter.
The contract signed had no consideration on their part since they never loaned me any of their own money and/or assets ; instead they exchanged my promissory note ( Which had a cash value equal to the bank loan they Supposedly gave. ) Meaning, I loaned myself the credits they give me on the credit card and am being extorted for extra monthly payments and interest on top of what I have already gave them. |
Checking or savings account | Checking account | Citibank allowed debit card transactions to overdraw my account. The problem started on XX/XX/2023 and, since then, they have allowed 7 transactions to post causing {$110.00} in overdrafts. There are still 3 pending transactions totaling {$19.00} that will further overdraft my account. I called Citi on XX/XX/2023, and was told that Citi has a software to decide what accounts they allow to have debit card overdrafts. I'm not sure why this is their policy, but maybe since they did away with overdraft fees, they have to make money somehow.
The purpose of a debit card is to act like a credit card. Why would a bank allow debit card overdrafts based on some arbitrary formula that is not known to the customer? It seems like a scam to me. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX XXXX is reporting account is charged off when it was paid in full. |
Debt collection | Medical | This debit was paid in full on XX/XX/XXXX to XXXX confirmation number XXXX other numbet XXXX paid direct to XXXX i don, t know why TRASWORLD put this debit in my credit, but i want to delete to all my credit record affect my score trans-union, equifax etc Thank you XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XX/XX/2019 a fraudulent inquiry for credit with XXXX XXXX XXXX XXXX was made on my Experian credit file. I've tried to resolve this issue 3 times with the credit bureau but have not been successful. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Experian has for years had a wrong address listed. I believe it is a typo that someone put in as it is a derivation of my correct address. The address does not even exist. I have submitted this error to them at least twice and they refuse to fix it. The XXXX address on the attached does not exist and obviously I have never lived there. It is the 2nd address listed. Also the 3rd address is no one. This is a condo complex so that address without an apartment number would be 12 people not me. |
Checking or savings account | Checking account | On XX/XX/XXXX I paid for ONE night at the XXXX XXXX in XXXX, XXXX. They charged {$170.00} and put a hold for {$540.00}. I demanded the hotel to take such an unreasonable hold off my account and the hotel repeatedly refused to do so. I called Bank of America the same day and the telephone representative who opened my claim # XXXX agreed that a {$540.00} hold for one night was crazy. The next Monday was a holiday so I waited until Tuesday XX/XX/XXXX to get a temp. reimbursement while the claim is pending. The claim is still pending yet Bank of America reversed the funds as of XX/XX/XXXX without noticing me. What is wrong with these people? What could the hotel possibly say to justify " holding '' {$540.00} for a guest who stayed a night and left without spending anything other that her overnight stay? What could possibly be the reason for BOA to reverse the funds in just two days without resolving the claim. I 'm sick of the bank 's abusive practices. I 've had enough. I respectfully request not just the reverse of the funds but a compensation for what they do. How many people do they do this to?
Thank you for your attention Sincerely, XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX |
Student loan | Federal student loan servicing | This complaint isn't about the company per se XXXX XXXX. The complaint I have is that I currently owe approximately 50K in student loans. I have been trying to pay what I can, but am struggling to make those payments in addition to my other obligations. When I went to college, I had to pay full tuition. Now, in NYS they have free tuition options to state schools which is where the vast majority of my student loans came from. I think that it is unfair that I have to pay back the loans that were accrued when I was attending 2 state schools, XXXX XXXX and XXXX XXXX XXXX XXXX College. I realize that when I attended XXXX XXXX College and XXXX University online those would not have been in that category. I just find it unfair and disheartening that I am unable to make any dent whatsoever in the loans and hoped at least the loans accrued while attending a state school could be forgiven. I wrote to the company to try to get contact information for someone I could speak with about it and wrote to some people in the NYS Dept of Education, but have not heard a response. I am just looking for help and assistance and hoped that being a XXXX XXXX XXXX, maybe I could get some help. Thank you for your time. |
Checking or savings account | Savings account | Regions Bank is holding funds that I placed in my savings account as collateral for a personal loan that was issued to me by Regions in an account that was not authorized by me. I did not agree to have these funds in my savings account held. This was not explained or approved by me. I did not sign any document during the loan process or the loan signing that gave approval for regions to hold my funds placed in my savings account in a undisclosed account and would not allow them to be available to me. |
Checking or savings account | Checking account | Banco Popular de Puerto Rico, XXXX XXXX branch is not.paying attention to send me my Visa card since XXXX XXXX.I am very needed to receive my Visa card because is urgent to me to resolve some problems.I am calling frequently to Costumer Services numbers and they are not answering the telephones and I visited the offices and they said that they sent the card but it was returned and I confirmed that it was the correct address .but I didn't receive the Visa card yet.and I am sure the address is correct.please help me.Thank you ( excuse my English errors because I am Spsnish speaker ) |
Checking or savings account | Other banking product or service | XX/XX/2022, started a request for service treasury management and lock box account to be added to my commercial account which questing wasn't a great idea XXXX XXXX discriminated against by stand-in supervisor XXXX XXXX today she hung up on me after I called to see where my check was from the forced closed account that happen few weeks prior because of my XXXX XXXXXXXXXXXX XXXX XXXXXXXX status I believe we live in a world where you can't ask for public services if your certain XXXX aka race I asked. for treasury management services and lock box service for my business needed XXXX XXXX took it personal that I requested these services I was told by her that I had to make an appointment to add these services it couldn't just be done like that so she referred me after long questionnaire. sent. a email request XXXX XXXX Over Treasury management would be the person. to return my request it wouldn't be today she stated I told her I was visiting for few days needed to have services added before I left I was told by her it was a mobile service however she rubbed me wrong so I called the corporate office to request the services myself for reassurance the next day XXXX XXXX Called me we spoke over the services the was XX/XX/2022 she asked and sent email for services requested ... ..so from here to the XXXX of XXXX. my account was being shut down for whatever reason after requesting Public Services offered to business owners that was sent to my email Fast forward to today XXXX XXXX no funds refunded yet that was remains in the account so I called no notes on the account. Just business reasons ok looking for my funds to have been sent they said the account was closing the XXXX account closed check is cut that day its been three weeks plus I get back to XXXX XXXX supervisor on XXXX XXXX and spoke will XXXX delightful she was but XXXX XXXX Gets on the line states and I Quote " This is XXXX XXXX XXXX XXXX I remember and have all the details of your account you should be or should have received a letter stating our account is being closed for business reasons Im unsure when but that check should be out within 30days ME Quoted how many people do you deal with daily to remember my situation she stated : because the services you asked for and I had to have XXXX contact you But anyways your account is closed it seem as if there is discriminated against me and my business needs never have I done anything wrong which was told to me numerous conversation the day my account closed I called other locations and corporate office in XXXX I told XXXX XXXX XXXX that I knew she was the reason why my account was closed she yelled and hung up slamming the phone down as we spoke ending the call which results in the these results Unsure if XXXX XXXX Powered company. does business this way Not touching bases on How XXXX XXXX XXXX Stated she couldn't start me with the exact type I wanted due to credit etc but had even took me threw the proper steps to obtain the account mean run my credit etc. to deny me the service amount prior to proper step taken to do so its just a lot of Questionable things going on at this banking location now I've never had this type of service prior to dealing with XXXX XXXX or XXXX XXXX so just appalled of there action and just want the public to see how the CONSUMER is treated still no check that she entire point of this kick me to the club. and I call and the account was just closed yesterday XX/XX/2022 so account was frozen XX/XX/XXXX. no reason. then I order my fund to be sent to a mailing address. they update my account address as I moved. which wasn't what I asked for then I received that letter 3 times one at my home and twice to my business location and no check now the account is closed XXXX XXXX never returned my call or emails anymore after offering there services I believe its because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wouldn't want anyone treated this way truth is truth. |
Debt collection | Other (i.e. phone, health club, etc.) | The creditor never states the company or who they are. The message simply gives a name of the person and how they need a phone call back today regarding a very important business matter. They called 3 times within 1 hour, twice on my cell and once to my work. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | If the account of XXXX XXXX XXXX was closed in XX/XX/2019 how can you continue reporting charge offs after the account was closed thats inaccurate reporting requesting removal |
Debt collection | Auto debt | I contacted Westlake Portfolio Management on Wednesday XX/XX/2023 to make a arrangement for my monthly payment of of {$500.00} to be paid on Friday XX/XX/2023 and they agreed. On Thursday morning a tow truck came and took my vehicle and I was only a week behind. When I contacted them I was told I had to pay the remaining balance of {$3000.00} to get my car back and the title. They wouldn't even take in consideration that I made a payment arrangement to pay my car note for XXXX on Friday. They dismissed the fact that I'm XXXX and have documentation that I was in the hospital that made me a week behind. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | LVNV collections are refusing to remove accounts from my credit report. I'm currently on the phone in regards to this matter with the agent/supervisor. This is damaging my reputation which is a violation pursuant to the FCRA. I've applied for credit and was denied due to this, I also have a right to privacy and theyre willingly and knowingly reporting inaccurate information on my credit file. I also never gave this company my written permission to furnish on my credit file. They have stated that theyre not required to provide a consumer with a validation of debt, and that a verification of debt is all theyre required to do. I'm disputing this account on those grounds. I do not validate this debt at all, so how can they validate?. They can not, so i'm requesting for these alleged accounts to be removed from my credit file immediately. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I request an investigation from the Experian company for the violation of the laws, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. By Defamation, financial Injury. Protection under the FCRA, FCRA Section 623. Injury to your credit report and credit score, FCRA Section 604 ( A ) ( 3 ). The Credit bureaus, " Experian '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX Court Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). I gave them all the original information of the companies, Experian did not take my letters seriously and did not respond adequately to my claims, only responses by automated mail response systems. Experian refuse to correct information after being provided proof of inaccuracy. This is a violation of the " FCRA Section 623 '' law. As the FCRA and Experian do not respect the law and I have deleted the Claims- '' justifying that there is a duplication '' - that I write on your site, I sent a copy to the Attorney General of Florida to take over the violations of the FCRA and Experian. You have never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. the case of Child Support. Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | The credit bureaus are reporting erroneous information on my credit file and i've been fighting with them for several months. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I filed a complaint against on XX/XX/20. From XXXX reply, I learned that my credit report was checked for a credit line increase that I didn't authorize. I have a freeze and fraud alert on all three credit files. This complaint also consist of XXXX, Equifax, and XXXX releasing my credit reports without consent.
The following are issues that XXXX needs to answer that were unanswered in the first complaint and prompt additional complaints.
-- -- - ( 1 ). Why was an unknown email placed on my account without verification? My email address has always been XXXX.
-- -- - ( 2 ). Why was my account reported to all three credit bureau agencies as delinquent? There were no delinquencies. Through automatic payment from an account that I no longer used, three payments were returned. I replaced the drafted payments, and I was charged return check fees, not late fees. The credit bureaus do not report return checks on accounts. It reports late payments. The account was paid in a timely manner. By law, I am supposed to be given time to pay for any return check payments.
-- This unfair credit reporting violates the Fair Credit Reporting Act and debt collection. I will file a complaint with my State 's Attorney General Office for an investigation, and I will file a federal lawsuit if necessary to resolve this matter. As a result of XXXX inaccurate reporting my account as late, my credit score was lowered to XXXX.
-- -- - ( 3 ). Why was my credit line decreased based on other creditors? I've never paid any of my creditors late.
-- My credit score has been negatively effected in terms of a low score of XXXX because XXXX lowered the credit line, which indicates to creditors that I used nearly 100 % of the credit lin, which is inaccurate. This is abusive credit card practice.
-- -- - ( 4 ). In a tape recorded conversation, the representative indicated that XXXX would removed the return check fees due to my hospitalization.
-- -- - ( 5 ). If XXXX attempted to contact me about the return payments, I would've been unable to answer the calls at my home resident. Beside my home phone number, my account provided a cell phone number. I never received any voicemail messages on my cell phone from XXXX notifying me of return payments, nor did I receive any letters.
-- -- - ( 6 ). XXXX claimed that emails were sent to me at XXXX. This fraudulent email never belonged to me, and the name alone should've alerted XXXX of an account breach. Most importantly, I was never notified to verify a change in my email address.
-- -- - ( 7 ). There has been security breaches with XXXX and Equifax. I question how XXXX accessed my credit report files with a freeze and a permanent fraud alert. I have not removed the freeze in over a year.
-- If XXXX doesn't resolve my issues of concern, and my credit files doesn't report accurate information. I will be hiring an attorney to take legal measures for a resolution. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by in the State of GA on or about, XXXX, and resold on or about XXXX. Under the laws of the State of GA UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates.. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities, or continued reporting of this invalid claim on my credit reports, will be considered a violation of the FDCPA and FCRA. |
Credit card or prepaid card | General-purpose credit card or charge card | I received a promotional balance offer from Barclays in XX/XX/XXXX, 0 % promotional APR through at least XX/XX/XXXX with a 3 % fee where the transaction must post to my account by XX/XX/XXXX ( copy attached ). I called in to their call center and processed a balance transfer under this program on XX/XX/XXXX. I just noticed on my recent statement that they are charging me 19.99 % where it should be 0 % through XX/XX/XXXX ( copies attached ). Please note they also charged me the 3 % on the {$11000.00} for the promotional fee. When I called their call center, on XX/XX/XXXX, and told her I had the offer letter in hand and read it to her and I told her she could also refer to the call center recordings, they told me that the offer had expired. I again told them that the offer was good until XX/XX/XXXX and I processed this on XX/XX/XXXX and they even charged me the promotional balance 3 % fee. The call rep then put me on hold multiple times for no reason, without notice, in the middle of me talking to her and finally I was cut off when they just forwarded me to a payment option. |
Debt collection | Auto | This was a car loan which I totally paid off and as proof I received the Title to the car which is never issued unless a loan is completely paid off. A couple of years after, I had an accident in this same car and it was totaled ; my insurance issued a check for the cost of the car. The insurance company would NEVER issue a check and take in the car if I had n't the title. Hence, the loan was paid off leaving no debt. |
Debt collection | I do not know | Illegal cancellation of orders User ID : XXXX I have sold XXXX items on this selling platform, and I have already shipped those itemes to the buyer, but the Mercari platform illegally cancelled my entire order. I can't receive the payment ( XXXX $ ), I demand the mericari platform to compensate me for my loss! |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Experian Report # XXXX ; XXXX Confirmation # XXXX ; I am filing this complaint because XXXX, XXXX, & Experian have all failed to provide me with the documents that their companies are required by law to have on file. these are the same files that were used to verify my accounts I disputed. Being that they have gone past the 30 day mark they can no longer verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA..it states they are required to ... .... '' promptly delete all information that can not be verified '' that ive disputed. I will really appreciate your help since I haven't been getting help from the bureaus I hope you will resolve this issue promptly business and profession acct # XXXX business and profession acct # XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I sent a dispute to Transunion on XX/XX/2021. These inaccuracies are seriously harming my credit with my Credit score being XXXX. These accounts were never verified after multiple attempts to reach XXXX directly and didn't receive any response .Under Federal law I know that if the information Is either proven to be inaccurate, missing, or erroneous that they are required by FEDERAL LAW to DELETE them IMMEDIATELY! I have provided documentation supporting my complaint attached below. I am a litigious consumer and fully prepare to act under the full extent of the law to get this resolved. Under the FCRA, unverifiable accounts must be removed and I was never provided a copy of verifiable proof, the account must be removed. I also have mail receipts attached as well. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | The list below includes fraudulent accounts on my report.
1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.
2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX CAPITAL ONE N A Account Number : XXXX This is not mine.
6. Identity Theft XXXX CAPITAL ONE N A Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX Account Number : XXXX This is not mine.
11. Identity Theft XXXX Account Number : XXXX This is not mine. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 15 USC 1681 section 602 A States the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may have any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Shermeta law group is fraudulent cashing check 's made payable to XXXX XXXX and not reporting the payments to my credit bureau since XXXX XXXX. My Payment 's are current and now they filed default judgement againt 's, I am a XXXX Employee that is XXXX and have XXXX. XXXX XXXX XXXX and their Client XXXX XXXX are in Violation of XXXX XXXX XXXX 's code of conduct and zero tolerance anti harassment that covers all XXXX XXXX division and entity 's including their Client XXXX XXXX. A complaint has been filed with XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX HR againt 's XXXX XXXX and XXXX XXXX XXXX, a Complaint has also been filed with XXXX and XXXX. They have also caused me to be evictied by not working with me when I was on layoff XXXX, and Ca n't afford my medications, These companies will not stop harassing me and making me sick with XXXX XXXX and XXXX. Maybe XXXX and their Client XXXX XXXX should review XXXX XXXX 's code of conduct and the zero tolerance harassment, legal action can be sought after XXXX and XXXX XXXX for violation of policy. Make them report those payments to my credit bureau and stop harassing me. Please. Everytime a complaint is filed I get no answer to the question, WHY ARE MY PAYMENT 'S NOT BEING REPORT TO MY CREDIT BUREAU????. I WILL KEEP FILING COMPLAINT 'S DAILY TILL I GET THAT ANSWER? Why will they not answer that question? Do I have to go daily to there office or to shermeta 's attorney house to get a answer??? This also need 's to be sent to XXXX XXXX. Thank you. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Here is the list of items which do not belong to me or were opened without my permission.
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. |
Debt collection | Credit card debt | I have received the comment back from capital one. They said that they check the ssn DOB, and address belongs to me. I will assume that yes, all those information belongs to me, if not then how are they going to open an account under my name? And the address that I used is showing on my driver license. That will be making more sense. Also, they mentioned about I make the payment under my name in XXXX account, I believe that I closed the XXXX account before I went back to XXXX. As capital one mentions, that account also open fraudulently too. ( I will double check with BOA ). I went to boot camp in XX/XX/2019, I graduated in XX/XX/2019. We cant use our phone in boot camp, how am I gon na pay in XX/XX/2019?? That is very a very interesting question. If people have my information, they can easily open my account online easily.
I also attached my military information below. You can See I went to military basic training In XX/XX/2019. Making a payment its not possible during boot camp. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | My credit report was pulled without my consent |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XX/XX/2020 I contacted XXXX XXXX, XXXX in care of XXXX XXXX XXXX at the address listed on my Trans Union credit report ( Appendix A ). I received confirmation that my letter was received on XX/XX/2020 at XXXX ( Appendix B ). I wrote to them to validate the debt since XXXX XXXX had been emailing me to settle the debt with them ; they never mentioned XXXX XXXX XXXX in their correspondence, only XXXX XXXX and the original creditor ( Appendices C-J ).
When I did not receive a response from XXXX XXXX or XXXX XXXX XXXX within 30 days of them receiving my letter, I contacted TransUnion on XX/XX/2020 explaining that I was not sure who payments should be made to ( Appendix K ). In the meantime, XXXX XXXX XXXX began reporting the account to XXXX in addition to TransUnion. My letter to TransUnion was received around XX/XX/XXXX ( Appendix L ) and without responding to my request, TransUnion replied that the account was being reported accurately around XX/XX/XXXX. A few days after I mailed the letter to TransUnion, I received a letter from XXXX XXXX XXXX concerning the same debt ( Appendix M ). I wrote to XXXX XXXX XXXX on XX/XX/2020 explaining to the them the steps that I had taken to find out who should actually be paid to resolve this debt ( Appendix N ). XXXX XXXX XXXX received my letter on XX/XX/2020 at XXXX ( Appendix O ). To date they have not responded to me.
On XX/XX/2020, I made the decision to pay XXXX XXXX since they were the company listed on my credit report. I went to their website and was given the option to pay 80 % to settle the account ( see Appendix P ). On the XXXX website the payment showed as pending ( Appendix Q ). Note that to the right of the account information, they state that when a payment is made that resolves the account is processed, they will submit a request to the credit bureau to have the tradeline deleted from the credit report. The payment showed up on my bank account the very next day ( Appendix R ), yet the XXXX website showed that no payment was made or scheduled ( Appendix S ). I immediately called the office and spoke with XXXX who verified that they had the payment and stated that I should receive a letter within five days stating that the account was settled. On XX/XX/2020 I called XXXX again because I had not received the letter and the account was not showing as settled on their website. The individual that I spoke to this time told me that I should have received a receipt for the payment in five to seven business days and that I would receive the letter stating that the account was settled within 20 days. This person went on to say that it would take about 30 days for the account to be removed from my credit report. I was also told that there was a delay in processing my account because they had put my account into a dispute status when they received my letter ( that they never responded to ).
On XX/XX/2020, I received a credit alert advising me that the balance on the account had decreased with TransUnion and that I have a balance due of {$170.00}, the exact amount of the discount that they offered. There is nothing on the credit report indicating that the account has been settled or is being deleted. In fact, my credit score dropped 33 points and this account was the only change on the report. The payment has not been posted to XXXX at all. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
XXXX XXXX XXXX has been separately been sent an affidavit of truth in regards to their credit notice ( s ), and should NOT be listed at all on my report. SEE ATTACHED DOCUMENTS FOR DETAILS |
Checking or savings account | Checking account | I had been living in the XXXX XXXX for a couple of months when I flew back to XXXX XXXX XXXX in XXXX of 2022 and opened an account with Bank of America. Everything was great, no issues. Then all of a sudden I was robbed and my card was stolen in the XXXX and I requested a new one. I tried activating it several times it didnt let me I tried having my mom call the number to be able to activate it, and it didnt let her because I later found out it had to be my number to call them to be able to activate the card. During that process she also tried to go to an ATM and activate it but she couldnt. Days after, I realized fake checks were being deposited into my account. I dont know if when I lost my card in the XXXX, the ones that stole it were able to get into my account. I have no idea. I tried to contact Bank of America, they said they couldnt help me because my number didnt match what they had on file and even after giving them my private information I was not being helped. The day after my account was suspended, I no longer had a bank account. I tried contacting Bank of America again and nothing. They did nothing to help me and there was nothing I couldve done since I was in the XXXX TAKING CARE OF MY SICK GRANDMA. I write that in caps to emphasize how frustrated I am that they are doing this to me when those checks were clearly deposited in the United States during a time I can easily prove I was in the XXXX. They did not bother to ask for any of that information. With all the stress and money problems I had while taking care of my grandma, I left it alone. Then I tried to open up a XXXX bank account and it wouldnt let me. Because of what Bank of America did to my record. If this doesnt get fixed I will be filing a lawsuit against Bank of America XXXX This is just unjust and extremely unprofessional. I thought banks took care of their customers instead of exiling them. Instead of sending me alerts of fraud, emails, or ANYTHING, they decided to just close my account. I hope this will be resolved and doesnt get any further in the legal aspect. But if it has to go there, I have receipts, screenshots, time stamps, locations, everything I need to take this to court and prove how unjust this bank has treated me. |
Checking or savings account | Checking account | Someone else opened the account under my name and last name via TD bank routing : XXXX account : XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
The letters are stated with items and issues.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. |
Credit card or prepaid card | General-purpose credit card or charge card | Over the period of several months I did have financial difficulty in making payments on my Milestone Card but I did attempt to make several payments with an agent. During this time, it appears the agent captured the incorrect routing number or account number when I made the payments which resulted in late fees. I called Milestone on XXXX to make a payment as the account was past due and the agent assured me there would be no negative credit reporting by making the payment that day, which was a lie. I recently became aware there was late payments reported to the credit bureau despite my attempts to make payments on XXXX and prior. In addition, the agent did not capture the correct account information to take the initial payments. This negative credit reporting has caused me to be declined for a mortgage and I lost {$500.00} paying for an appraisal. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have attached an FTC report with an account and Inquiries I did not authorize |
Credit card or prepaid card | General-purpose credit card or charge card | I have a loan with Wf Bank Na. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and Wf Bank Na with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$13000.00}, {$11000.00}, {$10000.00}, {$500.00}, {$780.00}.
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- LOAN ACCOUNTS -- 1. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account.
2. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
3. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
4. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
-- COLLECTION ACCOUNTS -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.
6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account. |
Checking or savings account | Checking account | I disputed a charge on my debit card that occurred in XXXX, XXXX on XX/XX/22. I began my dispute process on XX/XX/22. The only way I could send my supporting documents to them was by fax. I faxed them my supporting documents and they said they never got them. They closed my dispute without reviewing any of my supporting documents. Then I went to my personal banker and asked her to help me so I had a witness to the documents that were being sent in. And again Wells Fargo Card Claim department said they didn't receive the fax. They closed the case and took the money out of my account again while I was out of State and they left me stranded with no money and without receipt of notification that they again closed the case without reviewing any of my supporting documents. I then started a 3rd case and this time I could email the supporting documents, which I did immediately. I just received notification that " too much time has passed '' and they won't reconsider my dispute, and I will have to contact the merchant directly. The merchant in this case is XXXX XXXX and they are connected to a cartel in XXXX and Wells Fargo is telling me that I need to contact them myself to get the matter resolved. This is dangerous!!! I was not provided ANY opportunity to have my supporting documents reviewed by Wells Fargo! It is wrong that they promise fraud protection when they don't review the documentation from the customer they promise to protect. They are supposed to protect the customer, not the fraudulent merchant! Customers of Wells Fargo Visa Debit Cards should know that Wells Fargo has poor dispute resolution practices. They will not review your documents and they will ask you to reach out to the merchant yourself, no matter how dangerous that is. This is wrong! |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Credit Reporting Agency reported inaccurate information regarding an XXXX XXXX 30 day late XX/XX/2017 2017 |
Checking or savings account | Checking account | Hello, My name is XXXX XXXX. I opened a Citibank checking account online with my residential address in the US ( XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX ), my US XXXX phone number ( XXXX XXXX XXXX XXXX ), and my XXXX phone number ( XXXX XXXX XXXX XXXX ).
I am extremely disappointed and upset with the service and unethical practices of Citi and will be pursuing any and all action I can to correct the failures of Citi in handling my account.
I received my first official email saying 'XXXX XXXX welcome to your Citibank account ' Thu XX/XX/XXXX XXXX XXXX I subsequently wired money into the account over the following week and initiated a wire transfer on XX/XX/XXXX to my account with XXXX XXXX XXXX XXXX XXXX XXXX .
During this time I used the online service and verified my identity with my XXXX number multiple times.
After XX/XX/XXXX I tried to log into my account and activate my account and view the status of my wire, but my account was locked and my password was not working. I used the messaging service and got a number to call and tried to resolve the issue on XXXX XXXX XXXX KST, to which I paid international calling fees for 54 minutes and spoke with XXXX ( last name not given after request ) from Fraud Investigations. At XXXX 's request, I went to the closets Citibank in XXXX ( XXXX ), which was an hour drive away ( I had to take time off work and drive all the way there with my family. I then spent the first 20 minutes in the XXXX bank asking for help, to which they said they are separate from the American branch and can not help. After I called the hotline again on speakerphone, got ahold of XXXX again, and for 1.5 hours XXXX continued to not listen to me, the teller at Citibank XXXX ( Ms. XXXX ), or the branch manager ( her name was not recorded or provided ). XXXX continued to request that the XXXX branch provide her with email verification codes and processes and despite calling two translators for assistance to ensure communication and despite and both translators clearly in English telling XXXX that what XXXX was requesting violated XXXX Citibank policy and was not allowed, XXXX continued to talk up all of our time ( by our I mean me, the Citibank in XXXX Teller, and the Citibank in XXXX Branch Manager ). Multiple times they told XXXX that I had my passport in front of me, but that Citibank in XXXX is not connected with Citibank in the US and that their legal representatives in XXXX specifically told the XXXX branch that what XXXX was requesting violated XXXX policy. Regardless, XXXX continued to push her way and refused to escalate the situation.
After 1.5 hours on the phone and with the bank about the call, I continued to push XXXX to bring in a supervisor. She continued to show resistance or care until finally, she called in XXXX, who claimed to be her supervisor. XXXX was extremely abrasive and hung up on me after refusing to listen or assist the situation.
I again tried to call and spoke with XXXX from their fraud department and she was very rude, disrespectful, and refused to help.
I understand the need for fraud protection and it is completely reasonable that my account would create a red flag that warrants attention. My account was newly formed online and I wired in and out a decent sum of money over a short period of time.
However, as of now, I am completely locked out of these funds without a possible path to access them and have had extremely horrible service and attention given to this extreme flaw in the Citibank fraud protection system. The plain facts are : - I opened the Checking account with a US number that can not receive SMS messages, but the only way to verify the account is with an SMS message to that said number.
- At the request of YOUR agent, I went to a CITIBANK branch in XXXX and THAT XXXX BRANCH said that the request of the US Branch violated the policies of the XXXX branch, which shows EXTREME disorganization and unprofessionalism within your organization ( how can a company not know the policies of its international branches and why is it the responsibility of the customer to discover those policies ).
- I spent a day of time, a sick day from work, 3 hours of driving and gas, and a few hours of international call fees to correct an issue which your bank created with archaic policies handled by representatives with horrible service and a complete lack of regard for the experience of the customer ( seriously, telling me to drive an hour to fix the problem only to find that branch can't fix it ).
- I still have no access to my funds and no clear path to access them short of flying to the US from XXXX ( something that requires two weeks of quarantine when I arrive in the US and then two weeks of quarantine when I return to XXXX ).
Multiple times during the call XXXX from the fraud department said she was also filing a complaint, and multiple times I was told the call was being recorded. I implore you to find and listen to the transcript and listen to how unprofessional your representatives XXXX and XXXX were and how ridiculous your policies are.
As announced during the call, I have also started the process of finding legal representation to handle this situation as it seems extremely unethical that Citibank can open an account and accept over XXXX $ in deposits with the information I provided ( a US phone number that doesn't accept SMS ), but then not offer a solution to unlock my account in the event of an overzealous fraud department with horrible professionalism and a horrible understanding of how their international partners operate chooses to block me from accessing my funds.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. My fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. My fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my children. PLEASE HELP ME PLEASE im XXXX now. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}. Please update. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | A bankruptcy along with non-approved inquiries was dispute over 30 days ago and a removal was requested. I have a certified receipt of delivery of that request. No action has been taken by Equifax as of this date, XXXX17. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I fell behind on Lending club account. I understand it is my responsibility to make timely payments. But the reason for this late payment is particular. It was due to the loss of a very close family member. Some of my other creditors were very understanding a choose to not report and retracted their reporting. I was hoping I would be able to get some help.Prior to this was a rated to be a good consumer, with good credit not my credit is under the water do to this late reporting. I have never been late. Always communicated changes etc. |