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aciborowska

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customers-complaints-train-eval

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2023-01-27

Checking or savings account

Checking account

Managing an account

Problem accessing account

I have two accounts with Bank of America. One account is a checking account ending in XXXX. The other is a savings account ending in XXXX. I was the victim of identity theft, and had been unable to access these accounts for many months. I have placed two complaint with this agency, and had to this date not received a response. However, I cant say that they were able to completely lock my XXXX account and I have not been able to get any information at all on anything and they have also been able to tell me invalidate my phone numbers. There is at least {$2400.00} worth of outstanding money that the thieves should not have been able to obtain. Apparently they even spoke to Bank of America fraud department and were able to get fraudulently looking. Looking transactions approved as if they were me. I would like someone to contact me at their earliest convenience. I would like these charges investigated and the criminals prosecuted.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

SC

29673

Consent provided

Web

2023-01-27

Closed with monetary relief

Yes

2017-12-07

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

Credit card company won't increase or decrease your credit limit

Ive been a Care Credit/XXXX XXXX cardholder for 4 years. During all of this time, my Credit Limit always remained the same. Initially, when requested they would never increase my Limit nor change it. Not even for emergencies or while having a high credit score. Now, that I finally received my dispute credit via CFPB & am satisfied with that resolution. There 's a consequence ... due to my CFPB request they seem to have decided to decrease my credit by A XXXX dollars. Its not fair. This sudden change does nothing for them. I have a perfect record with them, which is something they should be more concern with. I even increased my monthly payments amounts and owe very little at this point. In conclusion, this change only hurts me ( their customer ) by affecting my credit. The lower the CL is for an account, the higher my credit use becomes. I do n't plan on using the {$2800.00} but I just want it higher to benefit my credit score. If it was never changed in 4 years it should not have been changed now following my dispute resolution. I did reach out to XXXX XXXX requesting them to leave my Credit Limit as it was but they declined this. I waited over 1 month trying to work this out with them. I was told Corporate would be contacted twice and they never responded. Then, I reached out again and waited another 10 days for a decline letter via mail.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

SYNCHRONY FINANCIAL

FL

33144

Consent provided

Web

2017-12-07

Closed with explanation

Yes

2023-06-03

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NJ

07112

Consent provided

Web

2023-06-03

Closed with non-monetary relief

Yes

2020-01-19

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

The following accounts listed on my Experian, XXXX and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I sent Experian, XXXX and XXXX XXXX a police report regarding The fraudulent accounts. The XXXX Police Department police report case number is : XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

MN

55417

Servicemember

Consent provided

Web

2020-01-19

Closed with non-monetary relief

Yes

2021-05-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

EQUIFAX, INC.

AL

362XX

Consent provided

Web

2021-05-06

Closed with explanation

Yes

2023-07-22

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was result of identity theft

In XX/XX/2018 I had XXXX XXXX. After XXXX XXXX years, a company call Collection Associates LTD contacted me in writing that I owe {$3400.00}, XXXX XXXX XXXXXXXX XXXX. I requested phone numbers to XXXX XXXX XXXX and all phone numbers are not valid numbers. ( XXXX ), ( XXXX ). XXXX XXXX XXXX website states that they are permanent closed. Talk to Ohio Attorney General and they it sound like a scam.

Collection Associates, Ltd.

OH

431XX

Older American

Consent provided

Web

2023-07-22

Closed with explanation

Yes

2019-10-11

Credit card or prepaid card

Store credit card

Fees or interest

Problem with fees

I opened a XXXX store card in XX/XX/2019. The company they use is Comenity Bank. I was sent the first statement in XXXX. The due date was too soon after receiving the bill and I was one month late paying my initial purchase bill. I paid the full purchase balance off with the first bill. I was charged a late fee and a finance fee. This was in XXXX of this year. Since then, they have continued to charge me a late fee and finance charge even though I had already paid off the original balance. So I am being charged a late fee for paying a late fee late- and a finance charge on the late fee. Even though there has been no balance to finance. I have proof off all transactions to show this. I called the company to attempt to settle and was told there was nothing they could do. This call took place on XX/XX/2019.

Bread Financial Holdings, Inc.

KY

410XX

Consent provided

Web

2019-10-11

Closed with explanation

Yes

2023-02-15

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Account # : XXXX XXXX XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Certified Return Receipt # XXXX Re : Late Payments Dear Capital One, I have been a loyal and proud consumer of Capital One products and services for over 20 years. With that being said, I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to ( 15 USC 1666 ( B ) ) 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. Pursuant to ( 15 USC 1602 ( L ) ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. With regards to ( 15 USC 1602 ( L ) ) there is no such thing as a late payment because the account was paid in full the moment my credit card ( My SSN card ) was accepted. I NEVER DELIVERED, Capital One or XXXX any written instruction to furnish any information on my consumer report which is a violation of ( 15 USC 1681 ( B ) ). Capital One and XXXX has caused severe stress, XXXX & financial hardship due to the abusive and unfair practices. The good thing about being a loyal Capital One consumer of the products and services offered is that in the past when I had issues in relation to my accounts, Capital One has gone above and beyond with excellence customer service to provide me with resolutions that were favorable. I feel comfortable saying I know this situation will be no different! These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAID or PAID AS AGREED : Personal : XXXX I was never late on ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) on this account please update the account as Paid/Current. By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report, and I request that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that XXXX will recheck these items with the Capital One who has posted them. Please remove any information that the creditor can not verify. I understand that under ( 15 USC 1681 ( I ) ( A ) ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. Best Regards, XXXX XXXX : XXXX XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

CAPITAL ONE FINANCIAL CORPORATION

NC

27610

Consent provided

Web

2023-02-15

Closed with explanation

Yes

2023-04-12

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

I am the Creditor of the accounts listed below pursuant to XXXX XXXX XXXX XXXX ( F ) The term Credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. The consumer credit transaction created by me granted the rights to comenitybank, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX by way of endorsement. I am the original creditor pursuant to 15 U.S Code 1602 ( g ) The term creditor refers only to a person whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. The debt derived from me when the note was endorsed by me. The information reported by this agency is not reporting the true and original Creditor and therefor the accounts is not reported accurately and needs to be removed. I demand you verify that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Social Security Card was used to extend credit to these companies it was the Credit card used to fund these accounts pursuant to 15 U.S Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NY

11422

Consent provided

Web

2023-04-12

Closed with explanation

Yes

2021-06-28

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I'm demanding that these accounts be removed from my credit files. The following accounts are not mines nor have I ever did any type of business with these companies. If the credit reporting agencies do not remove these unauthorized accounts then I may be forced to take suit, however hopefully it can be resolved here. 1. XXXX {$1700.00} 2. XXXX XXXX {$780.00}

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

631XX

Consent provided

Web

2021-06-28

Closed with explanation

Yes

2017-07-12

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Have compliant to Equifax that the name XXXX XXXX XXXX appearing on the file is fraud and should be removed. There is also a account under the name XXXX XXXX that is fruad and they have sent me letters reflecting they have request the Equifax should remove this from my file but they have refused.

EQUIFAX, INC.

SC

29732

Servicemember

Consent provided

Web

2017-07-12

Closed with explanation

Yes

2018-08-05

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

In XX/XX/XXXX my husband and I filed a WI 128 amortization of debts. This plan was paid in full on XX/XX/XXXX. All creditors received notice that the debts were satisfied at that time. This company is still reporting the XXXX debt as outstanding to the credit bureau. I have disputed this debt twice with the credit bureau twice but the company refuses to enter it as paid on my credit file.

Company believes complaint caused principally by actions of third party outside the control or direction of the company

GLA Collection Company, Inc.

WI

XXXXX

Consent provided

Web

2018-08-05

Closed with explanation

Yes

2022-02-23

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have had difficulty with this company from the moment I found out there was a loan taken out in my name. Someone had tried to purchase a vehicle in my name several years ago. To date, I still have not been able to remove this from my credit report. I contacted Credit Acceptance and submitted their fraud departments paperwork 2x. The first time they lost my paperwork. So, I had to wait for them to send me another packet. Credit Acceptance has done nothing to try to resolve this situation. However, when I try to contact the company they just insist that I have to pay this bill of approximately {$19000.00} for a car that was taken out in my name which was fraudulent. I do not owe this bill. I made a report with the XXXX XXXX XXXXXXXX police at that time. I want it and all reports made by them to be completely removed from my credit report. Now, it is difficult for me to get any kind of loan for a house or car or anything else. The lack of this companys ability to communicate effectively and resolve this issue is completely unprofessional. This is especially so in my case because there is zero proof, zero signatures, or anything of the sort that would connect me to the purchase of a vehicle using Credit Acceptance.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CREDIT ACCEPTANCE CORPORATION

NY

12110

Consent provided

Web

2022-02-23

Closed with explanation

Yes

2023-02-09

Credit card or prepaid card

Store credit card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

I placed an order XXXX for a refrigerator from XXXX that was delivered on XX/XX/2022, using affirm loan. Unfortunately, it was the wrong size, so I called XXXX to order a replacement and they gave me a new order number XXXX which was agreed to be delivered on XX/XX/2022. It was agreed that the old refrigerator will be picked up while they drop off the new one. On the day of the replacement the old order XXXX was picked up by the same delivery company ( XXXX ). However, I have been charged for both refrigerators. All efforts to contact XXXX to resolve this have proved futile. I have also raised concerns with affirm/Samsung about this error and asked them to refund one of the charges, but nothing has happened. Resolution : I am requesting XXXX or Affirm to refund me order number XXXX as this order was picked up by the delivery company ( XXXX ) on XX/XX/2022.

Affirm Holdings, Inc

OH

45255

Consent provided

Web

2023-02-09

Closed with explanation

Yes

2021-11-29

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

made pursuant to 15 USC 1692g ( b ). I hereby request that your company provide me with evidence of this debt. I demand this company provide me everything that I ask in the Validation of debt Letter. I also would like this company to cease all forms of communication with me through any and all mediums.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Credit Control, LLC

KY

40258

Consent provided

Web

2021-11-29

Closed with explanation

Yes

2022-05-28

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Equifax Personal Information Employers : I no longer work for XXXX XXXX It has that company still listed on my credit report. Names : XXXX XXXX XXXX XXXX incorrect name on my credit file. XXXX XXXX XXXX is my only name. Addresses XXXX XXXX XXXX XXXX XXXX, WI XXXX is NOT my address, never was my address. Someone had to be using my name for that address and I don't live there. XXXX XXXX XXXX XXXX, WI XXXX is not my address it should not be still listed on my credit report. XXXX XXXX XXXX XXXX XXXX, WI XXXX is not my address, it should not be listed on my credit report, I never lived there. XXXX XXXX XXXX Ct XXXX, WI XXXX is not my address, it should not be listed on my credit report. I never lived there. I would like this addresses removed from my credit file., I do not recognized them. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX

EQUIFAX, INC.

WI

53204

Consent provided

Web

2022-05-29

Closed with explanation

Yes

2022-02-07

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

Transunion will not conduct a required investigation regarding incomplete information appearing on my credit report ( XXXX Account # XXXX ) On XX/XX/XXXX, I received a dispute results letter from Transunion XXXX dated XX/XX/XXXX. The letter states that XXXX investigation results are verified as accurate and updated, even though the last update was on XX/XX/XXXX as indicated on the attached report they sent with the investigation results letter. This means, Transunion did not investigate my dispute. They ignored my dispute and sent a results letter telling me that my dispute was verified as accurate. Omitted on this report was the notice of dispute notification and the date of my dispute. This account is now eligible for immediate deletion.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19454

Consent provided

Web

2022-02-07

Closed with non-monetary relief

Yes

2020-06-16

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

One evening my ex-husband and I went into a XXXX XXXX store to look at prices for new phones. The agent showed us some and we told him they were too expensive and too much for our budget. The agent kept trying to push us to purchase them and we kept saying no. It was getting late and it was time for the store to close so we were leaving when the agent told us to take the phones home, look over them and get a feel for everything they could do. We said sure but that we were sure we weren't going to purchase them. *We didn't sign anything*. The next morning we were at the store when they opened and we returned the phones. We said they were far too expensive for our budget and we couldn't afford them, and we left the phones with the agent. Within a week we started getting bills in the mail for the phones. I called them over and over again and told them that we didn't have them and they needed to speak to the agent. After a while XXXX turned us into Convergent Outsourcing ( a debt collection place ) and I tried to fight it but didn't have any luck. NOW, Convergent is submitting the debt to the credit bureaus EVERY MONTH stating that the account was opened in XX/XX/XXXX, which makes it look like I've been delinquent very recently, when in fact this occurred in XXXX. But they are hurting my credit every month by doing this. I had contacted their company many times and explained what occurred but they told me I owed it, but I don't.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Convergent Resources, Inc.

IL

619XX

Older American

Consent provided

Web

2020-06-23

Closed with explanation

Yes

2023-09-19

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Personal information incorrect

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

335XX

Consent provided

Web

2023-09-19

Closed with non-monetary relief

Yes

2017-07-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

WE had two vehicles financed through XXXX XXXX XXXX XXXX XXXX and were looking to refinance. We got a better offer from XXXX XXXX XXXX XXXX and went with them. XXXX sent over the check for the vehicles in time before our payments were due but XXXX XXXX decided to not process the buyouts in time and now my wife and my credit report shows as being late on a payment and it directly impacting our credit scores.I have reached out to XXXX and received nothing back.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

78660

Consent provided

Web

2017-07-25

Closed with explanation

Yes

2021-11-29

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

EQUIFAX, INC.

FL

32771

Consent provided

Web

2021-11-29

Closed with explanation

Yes

2023-08-04

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX has violated my rights. 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 furnish a account without my written instructions.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

WA

98516

Consent provided

Web

2023-08-04

Closed with explanation

Yes

2018-01-14

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

On XX/XX/XXXX I sent Merchants & Medical Credit Corporation a letter disputing a claim of alleged debt of {$4000.00} by original Creditor XXXX XXXX XXXX I asked for proof of validation per my rights under Under the Fair Debt collection Practices Act ( FDCPA ). I also let them know in my letter that I have been a victim of Identity theft as of XX/XX/XXXX when someone attempted to use my personal information to file my federal IRS income taxes. Since that breach I have been a victim of multiple fraudulent accounts setup in my name ( per my credit reports ). I have also been a victim of both breaches of XXXX and XXXX. ***Please note they are reporting this debt under XXXX XXXX******* My name is XXXX XXXX ! Still with all this information they have refused to provide me with any proof of validation of this debt. I have asked for all of the following below CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. I asked for them to remove this reporting from all 3 collection bureaus. They are still reporting and not have provided any proof

Merchants and Medical Credit Corporation, Inc.

MI

48080

Consent provided

Web

2018-01-14

Closed with explanation

Yes

2021-01-27

Debt collection

Medical debt

False statements or representation

Attempted to collect wrong amount

On XX/XX/2020, I sent a letter to all the credit bureaus with a certified letter asking to see any inaccuracies on this debt as well as how were the able to verify the debt with this collection agency. On XXXX XXXX, 2020, I sent a letter to Creditors Bureau Associates to verify a collection that reported on my credit report. I sent a letter requesting for them to send me an original debt from the actual company of an agreement that was made. On XXXX XXXX, 2020, I sent a follow up letter to see how they were able to verify the debt with this collection agency. Creditors Bureau Associates does not have an account number listed as well on all three bureaus.

Company believes it acted appropriately as authorized by contract or law

Creditors Bureau Associates

GA

30310

Consent provided

Web

2021-02-03

Closed with explanation

Yes

2022-07-05

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

I filed my original complaint in XX/XX/XXXX. The complaint was a 2 part, and within that 2 part complaint, 1 was resolved. The other Fifth Third states they resolved, but I do not agree with the final resolution. I applied online XX/XX/XXXX for a hardship program that would allow me to lower my monthly payment and interest rate. This resulted in being approved for a XXXX XXXX monthly payment. For my last complaint I was advised that when I entered the hardship assistance program my account was past due {$40.00}, which identified as a LATE FEE. Nowhere during my application process was I told I had a late fee. However, when I called later after I identified that Fifth Third reported me delinquent for XXXX, XXXX, XXXX and XXXX, that if I had applied through customer service, they would have told me by phone that I had a late fee, but that option is not given through the online application process. According to my previous complaint, Fifth Third states there was a payment offer screen displayed during the application process. I do not recall this payment screen ( as I would have made the {$40.00} late payment ) and Fifth Third can not provide me a copy of the disclosure/agreement that I agreed to online. I have and in my previous complaint, stated that I have asked Fifth Third, now 10 times for a copy of this agreement, and still have yet to be given a copy. It is their word against mine. I have even tried to go back in to apply for another hardship program, but the website states " To discuss your account, please call us at XXXX to talk about your financial situation and explore options. '' Meaning- I can not show that there was or was not a payment screen that populated during the application process. To me, with my original complaint caused the online application to be looked at and it was fixed. I have been a XXXX holder with Fifth Third since XXXX when I was an XXXX, and in the past, haven't had any issues with reporting ( minus one issue in XXXX? ). I have always paid my balance due, and even included late fees when assessed. I wouldn't let this go delinquent knowing if I had a late fee to pay. I believe that the online application process was falsely advertised and caused me financial harm in the process. I want to be given a copy of the agreement that I applied for online. I am required to be given one if I ask. I have not received any agreement to this application/program and even was not given a copy at the time of application. When I spoke with the last individual who handled my complaint, she said she couldn't give me a copy, but it was an image given to her of the " pop up screen. '' I was given a copy of " Important Information Regarding Your Account Payment '' and within this document, it does NOT state anything regarding " If your account is past due, hardship assistance will not change that. '' I dispute this whole thing.

FIFTH THIRD FINANCIAL CORPORATION

OH

44221

Consent provided

Web

2022-07-05

Closed with explanation

Yes

2020-05-11

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

CA

90043

Consent provided

Web

2020-05-11

Closed with explanation

Yes

2022-03-10

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

EQUIFAX, INC.

FL

33312

Consent provided

Web

2022-03-10

Closed with explanation

Yes

2023-08-31

Checking or savings account

Checking account

Managing an account

Banking errors

Recently I've caught on to how my card seems to get charged twice. Once on the moment of the payment and the second time is a couple days later when the transaction gets posted on the app. I barely caught on, I've been having this account for years. Who knows how long it's been

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

CA

92020

Consent provided

Web

2023-08-31

Closed with explanation

Yes

2023-04-04

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX DATE OF INQUIRED ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I RAN MY CREDIT REPORT IN I SAW FRAUDULENT ACTIVITY ON MY REPORT THAT I HAVE NO KNOWLEDGE OF OR I DID NOT CONSENT TO I WOULD LIKE IT ROMVED FROM MY REPORT WITHIN XXXX XXXX UNDER THE FAIR CREDIT ACT. FROM THE LOOKS OF THING SOMEONE HAS GOT MY INFORMATION.

Experian Information Solutions Inc.

WI

53593

Consent provided

Web

2023-04-04

Closed with non-monetary relief

Yes

2022-03-22

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

Credence Resource Management , LLC ( XXXX, Texas ) placed a collection on my credit report for a debt that was not mine. No attempt to notify in writing, to do basic validation of a debt clearly in another state. I have contacted Credence, the original company XXXX, credit bureaus, the CEO of Credence, and have filed a police report and still am not satisfied.

Kriya Capital, LLC

TX

75093

Consent provided

Web

2022-03-22

Closed with non-monetary relief

Yes

2023-09-03

Checking or savings account

Checking account

Managing an account

Problem making or receiving payments

Hello, I am XXXX XXXX XXXX with Amazon Platform. I was looking for a distributor for specific products. I have received offering quote from this XXXX XXXX XXXX Company. before, I make any deal and purchasing goods from current supplier, I verified the company 's business legitimacy and business location and stuffs with Texas state of directory office. The supplier asked me for paying first before packaging and shipping. I deposited money into his checking account, The amount is {$3100.00}. I awaited for delivery for 2 weeks but I did not receive it. I contacted again with distributor regarding delivery, in fact He asked more money for shipping cost that we had not made deal so at the beginning. I did not move forward and agreed with distributor. and they not refunded me either. I went to my Bank and told the story what happened with me and asked them for helping to recover my money back. they said sorry for me

JPMORGAN CHASE & CO.

TX

77081

Consent provided

Web

2023-09-05

Closed with explanation

Yes

2023-05-04

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. Please delete ASAP.

EQUIFAX, INC.

CA

90278

Consent provided

Web

2023-05-04

Closed with explanation

Yes

2021-07-05

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$0.00}, {$2000.00}. 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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. -- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account.

EQUIFAX, INC.

CA

92801

Consent provided

Web

2021-07-05

Closed with explanation

Yes

2021-01-06

Vehicle loan or lease

Loan

Problems at the end of the loan or lease

Unable to receive car title or other problem after the loan is paid off

I leased a new XXXX XXXX XXXX for 42 months on XX/XX/XXXX and it was financed at the dealership by US Bank. My lease was due to expire on XX/XX/XXXX so in XX/XX/XXXX I reached out to US Bank to purchase the vehicle. I executed documents to finance the purchase directly with US Bank. The loan was approved and my monthly payments began on XX/XX/XXXX. The payments have been deducted monthly since that date. Since the purchase of my lease in XX/XX/XXXX, US Bank has not delivered to me the vehicles title, an authorization letter for DMV, and a check to pay the sales tax that they collected. These are the items that I need to transfer ownership to myself and register the vehicle in my name. As a result, I have not been able to drive my vehicle since the registration expired at the end of XX/XX/XXXX. US Bank states that they mailed me the title, document, and check on XX/XX/XXXX, but I never received them. I inquired to US Bank about obtaining a duplicate title, letter, and check. A representative from US Bank told me that they would obtain a replacement title from NJ DMV and send everything to me again but it will take 60 days. After 60 days I reached out to US Bank again to check on the status of the title replacement. I called every few days since the end of XXXX to try and find an answer. I always spend a lot of time on hold, I am never able to speak with the same person, I am constantly transferred and disconnected. About a week ago a US Bank representative said they would send the documents to me by overnight mail. I never received anything. Finally, on XX/XX/XXXX I was told by another US Bank representative that replacing the title was now my responsibility. I needed to mail them a {$95.00} title replacement fee and wait for another 60 days while they secured a copy from NJ DMV. At this point, I really dont trust US Bank because they never keep their commitments. In the meantime, I am making loan and insurance payments on a vehicle that I can not register or drive. I mailed the check on XX/XX/XXXX and US Bank confirmed that received the check on XX/XX/XXXX. After the holidays, on XX/XX/XXXX I called NJ DMV and asked if they had received a request to process a duplicate title on behalf of US Bank. I was told immediately that they see nothing in their system for my VIN number and that they are backed up with precessing requests from XXXX. I need your assistance to have US Bank deliver a replacement title, authorization letter and necessary documents so I can register and drive the vehicle that I purchased.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

U.S. BANCORP

NJ

07728

Consent provided

Web

2021-01-06

Closed with explanation

Yes

2020-12-06

Checking or savings account

Checking account

Managing an account

Problem making or receiving payments

I have a HSBC Premier Checking account, which was opened under a HSBC promotional offer in XX/XX/2020. Based on this offer, if I have more than {$3000.00} direct deposit to my HSBC Premier Checking account every month, then I will receive {$60.00} bonus each month. Since I opened this account in XXXX, every and each month I have met the direct deposit requirements. Over the past few month, before the last day of each month, I received the {$60.00} bonus posted to my checking account. However, for XXXX, the monthly bonus posting was delay to XX/XX/XXXX. For XXXX, today is already XX/XX/XXXX, but I still have NOT received the {$60.00} bonus yet. I contacted HSBC customer service by email, but they completely ignored me without any response yet. I request HSBC to post the $ XXXX monthly bonus to my checking account immediately, which was supposed to be posted to my account by end of XXXX.

HSBC NORTH AMERICA HOLDINGS INC.

PA

15108

Consent provided

Web

2020-12-06

Closed with explanation

Yes

2021-03-22

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33442

Consent provided

Web

2021-03-22

Closed with explanation

Yes

2023-03-16

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

I sent out a letter to the credit companies to remove unauthorized inquires from my credit report 30 days ago, and still no response. I also sent out a demand to comply letter because they have yet to respond and not complying with their own policies in a timely manner.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

44134

Consent provided

Web

2023-03-16

Closed with explanation

Yes

2018-03-05

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

XXXX XXXX XXXX XXXX XXXX attempted to collect a fraudulent debt ( including several other collection agencies ) reported by XXXX XXXX Bank to the major creditor reporting agencies in the amount of {$660.00}. Under the Fair Debt Collection Practices Act., the collection of said debt on XX/XX/XXXX has been disputed and validation of the debt was requested. Although the debt was removed from my credit file after the seven year derogatory reporting period in XXXX ( adversely affecting my credit file ), the fraudulent account remained in collections for an extended two year period. The original creditor has refused to negotiate a settlement and all collections agencies involved have yet to verify the debt of record.

CL Holdings LLC

PA

152XX

Consent provided

Web

2018-03-05

Closed with explanation

Yes

2023-09-15

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

94601

Consent provided

Web

2023-09-15

Closed with explanation

Yes

2020-08-20

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

EQUIFAX, INC.

FL

XXXXX

Consent provided

Web

2020-08-20

Closed with explanation

Yes

2023-01-10

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NY

11238

Consent provided

Web

2023-01-10

Closed with explanation

Yes

2022-08-15

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Inquiries on My credit file where credit was asked for, granted, or denied.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PR

00646

Consent provided

Web

2022-08-15

Closed with explanation

Yes

2018-11-03

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

To Whom it may Concern : I sincerely apologize for writing to you but I feel like I'm at my wits end and feel like this was my last option. I am writing today to express my frustration in the lack of help Ive been receiving from the associates at Chase customer service representatives and your investigations department. Ive been in constant contact with your Customer Service representatives and your fraud department regarding a very serious issue I'm experiencing. I am a XXXX XXXX and was a loyal customer for over 15 years with Chase. I was employed as a XXXX XXXX for XXXX XXXX, CEO of XXXX XXXX & XXXX, XXXX who was the first woman of finance and first woman to own a seat on the XXXX for over 21 years. I had nothing but respect for her and her accomplishments and what she did for women like me on Wall Street and she actually served as the XXXX XXXX XXXX in NYS for a few years. I was so proud to work for such a person and extremely loyal, honest and hardworking. I've worked in the XXXX XXXX my entire life. XXXX XXXX XXXX XXXX, Chase Manhattan Bank, XXXX XXXX XXXX XXXX, XXXX As a XXXX woman in the financial world its hard to climb the corporate ladder but my determination and the assistance of the good people who believed in me allowed me to succeed. Unfortunately, Ms. XXXX passed away a few years ago and the Board of Directors decided to sell the firm and I lost my job as the new owner 's nephew is doing their marketing. I have not been able to find work and a company in the XXXX reached out to me to do some consulting for them. They are an investment firm based in the XXXX and they were looking for someone to attract angel investors for their investment projects. I signed a contract and started working for them. They assigned me leads and I was able to secure a client that was interested in investing in one of their products. The company reached out to me and told me they didn't have a presence in the US yet and wanted to expand and that I could help them expand and head the US office. I was excited at the prospect of employment as I've been unemployed for a few months already. They then asked that I open a bank account for the client to send their funds to me and I would have to wire those funds to their XXXX office. I was doing my banking with Chase Manhattan bank for over 15 years and had two bank accounts. I did what they asked and the client, without alerting me, wired over two deposits. One for a little over {$10000.00} and the other for {$17000.00}. The next day Chase closed ALL of my accounts and wouldn't tell me why. Now I ran around for a week with no funds trying to figure out what happened and finally the fraud department at Chase told me it was due to suspicious activity. I was so upset because I'm an honest person and just needed a job to support my family. I'm a single mom and take care of my XXXX year old XXXX mom who has no source of income or health insurance. Chase refused to assist me even though I explained the situation. I finally was able to get my funds out of Chase and happily opened my account at XXXX XXXX XXXX. I was banking with XXXX fine until a few days ago when XXXX decided to do the same thing and close my accounts without a reason. I was shocked to say the least because here I am again in the same situation. I can't pay my mortgage or take care of my family now as I have no funds and no access to my funds and XXXX said it would take 7-10 days to get my money. When I implored that they at least give me {$1000.00} so that I can buy groceries and gas and medication for my mom, they told me they couldn't help. I just want to be able to work and pay my bills and bank like a normal person. I've never ever committed fraud or even thought that this new company I was consulting with would create such and issue for me. I'm on unemployment which is about to run out soon and I really don't know what to do now as I'm afraid this situation will follow me to the next bank I open an account. Not to mention my unemployment benefits get deposited to my bank account which are now closed and I have no access to my unemployment benefits. I'm no longer doing business with this firm in the XXXX to say the least. I don't know what else I can do and feel totally confused, helpless and disappointed in our banking system that they can do this to ordinary hard working, loyal and honest people. If there is anything that you can do to assist me would be greatly appreciated. If I can't reopen my accounts at Chase, or XXXX that is fine but I don't want my future accounts closed as I just opened one up at XXXX XXXX. Is there any advice you can give me to ensure this doesn't continue to happen to me. I just need to be able to survive and this situation has turned my life upside down. I need to have a bank account without worries of having it closed down and then chasing my funds down while I'm trying to pay my bills and buy food for my family. I included my contact information below and am available, at any time, to discuss this matter. I'm also attaching copies of the employment contract and back up documents to prove everything I just explained. Your kindness in this matter would be GREATLY appreciated. Have a blessed day. Ms. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

JPMORGAN CHASE & CO.

NJ

07407

Consent provided

Web

2018-11-06

Closed with explanation

Yes

2023-07-20

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

I am writing to you to bring to your attention a serious matter concerning a fraudulent account that has appeared on my credit report. I have previously disputed this account, and it was removed from my credit report. However, to my dismay, the account has reappeared under a new account number with the same creditor, XXXX. I believe that this situation is a result of identity theft, and I am deeply concerned about the impact it is having on my financial well-being and overall living situation. I have enlisted the assistance of my attorney, and together, we have gathered substantial evidence indicating that the account in question was opened without my consent or verification, and without obtaining a wet ink signature from me. Furthermore, it has come to our attention that the birth year associated with this fraudulent account does not match mine, and the account was created using a fake birthday, along with a different social security number before on the previous account and now just the birthday on this i believe same account diffrent account number which i believe is the same account, This clear discrepancy should be evident upon a thorough investigation. I have already engaged in discussions with representatives from XXXX XXXX previously, and it appears that confidential information was shared between them and XXXX XXXX XXXX without my knowledge or authorization. This sharing of my sensitive information, including the last four digits of my actual social security number, further adds to the severity of this situation. I demand that a full and comprehensive investigation be conducted immediately to rectify this matter. It is your responsibility as a credit reporting agency to ensure the accuracy and validity of the information you furnish to creditors and lenders. I request the following actions be taken : A thorough investigation of the fraudulent account ( Account XXXX : XXXX ) with XXXX including verification of the incorrect birth year and social security number associated with the account. Prompt removal of the fraudulent account from my credit report pending the investigation 's completion. A detailed report of the investigation 's findings, provided to me within 30 days of receiving this letter. Thank you for your attention to this matter, and I look forward to receiving your response.Please be advised that any delays or failure to conduct a proper investigation within the given time frame will leave me no choice but to pursue legal action against your agencies in a court of law. My attorney and I have already set a date for potential legal proceedings, and we intend to file a lawsuit against your agencies if this matter is not resolved satisfactorily. I expect prompt and effective action from your agency to rectify this situation and protect my rights as a consumer. Your cooperation in resolving this matter promptly will be greatly appreciated.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

IL

622XX

Consent provided

Web

2023-07-20

Closed with non-monetary relief

Yes

2020-07-16

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

I was charged by XXXX XXXX XXXX without my authorization on XX/XX/2019. I requested 4 movers for XXXX/hr. The movers showed up 2 hrs late with a XXXX rental truck and with 2 movers instead of 4. The owner charged my credit twice without my permission for XXXX and then couple hours later he charged it for XXXX. The guy stopped answering my calls. Submitted a dispute through credit card company and they said the charges are correct. My credit company is Navy Federal credit union.

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

MS

395XX

Servicemember

Consent provided

Web

2020-07-16

Closed with explanation

Yes

2018-01-20

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have previously written one of the collections departments and furnished a letter advising XXXX XXXX I am the victim of fraud on or around the date of XX/XX/XXXX. The dates of the even are not 100 percent seeing I was not there and had no knowledge of it for almost a year.The dealership did give me a copy of the loan application. On that documentation it is obvious that the same person signed all signature lines. The name is misspelled the same way on every line and is the same handwriting for all the signature lines.It is obvious that I did not sign this loan. I have sent a letter to XXXX XXXX with copy of my signature and a loan I obtained from the same dealership 3 months prior. Which is how they could have had access to some of my information or my ex husband furnished it seeing we were in the process of separating when this occurred. I have advised XXXX XXXX of this also. The fax transmission date to the finance company is XX/XX/XXXX. It was in XX/XX/XXXX that i pulled my credit and found a loan with XXXX XXXX XXXX. I called the company advised that I had no knowledge of this loan and was fraud. I advised that I would like documentation and information that they have or original loan package. Even with this being identity theft I am still privileged to that information. I have had no assistance from this company in obtaining any loan documents or any information they have used to make a decision to not remove the file from my credit or fund the loan. Since I have no documentation on this loan it is making it harder to fight and obtain counsel to assist with damages if it is not removed off of my credit after this final attempt.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BB&T CORPORATION

AR

72120

Consent provided

Web

2018-01-20

Closed with explanation

Yes

2023-03-15

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXXXX/XX/XXXX.

EQUIFAX, INC.

NV

89148

Consent provided

Web

2023-03-15

Closed with explanation

Yes

2022-12-13

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I HAVE BEE THE VICTIM OF IDENTITY THEFT THE ACCOUNTS ARE BELOW. 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

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

78244

Consent provided

Web

2022-12-13

Closed with non-monetary relief

Yes

2021-01-17

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

EQUIFAX, INC.

CT

06605

Consent provided

Web

2021-01-17

Closed with explanation

Yes

2021-02-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

It has to do more than inquires. My credit scored dropped 23 points for no reason

EQUIFAX, INC.

CA

93705

Consent provided

Web

2021-02-24

Closed with explanation

Yes

2021-09-12

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692

EQUIFAX, INC.

GA

30228

Consent provided

Web

2021-09-12

Closed with explanation

Yes

2023-09-08

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60623

Consent provided

Web

2023-09-08

Closed with non-monetary relief

Yes

2022-09-11

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Previously reported this company to Transunion and called XXXX directly. Issue was never resolved after years of trying and sent a letter from XXXX showing I was never late but they decided to fraudulently add the same notes saying my payment was late when it was in fact never late. The vehicle was totaled out and paid off. Next time this happens I will take legal action against company for discrimination they consistently attempt to ruin my credit as a brown person.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75287

Servicemember

Consent provided

Web

2022-09-11

Closed with non-monetary relief

Yes

2017-01-23

Student loan

Federal student loan servicing

Dealing with my lender or servicer

Don't agree with fees charged

XX/XX/XXXX I requested XXXX loans, XXXX for {$4000.00} and XXXX for {$2600.00} ( total {$6200.00} ), to attend XXXX XXXX XXXX in XXXX, WY. I graduated XX/XX/XXXX. Over the next several years I paid my loan to XXXX XXXX intermittently at best. I took forbearance 's and deferment 's as much as I could, paying when I could. I now work in the railroad industry, and work has been on and off over the years, as were my payments. Over the last several years my payments have been on time. I have paid over {$12000.00} since XX/XX/XXXX ; I do not have records of the payments I made over the 10 years before that. At this point I have paid over double the amount borrowed. At the current rate should I continue my current payment plan will end up paying approximately six times the amount borrowed. XXXX XXXX and now Navient have raised my payments over the years. I had got them at one point to lower my payments only to have the raise again recently to over XXXX dollars a month.

Navient Solutions, LLC.

WY

822XX

Consent provided

Web

2017-01-23

Closed with explanation

Yes

No

2023-03-02

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Personal medical laon for a XXXX XXXX was taken out in my name XX/XX/22 without my knowledge. Online contarct with lender was fraudulent signed using my name. Documents that was submitted with my information I was mislead into providing under false pretenses. One payment on the loan was made in XX/XX/22 using billing information that did not belong to me. I never received one billing statement from XXXX XXXX XXXX who provided the loan. Did not become aware of loan until it was XXXX flaged my credit due to late payments. On file with XXXX XXXX credit that had phone numbers, email addresses and mailing addresse that did not belong to me as well as place of employment Proving that the was a fraudulent. As of today I have put a fraud alert on my credit, have called both XXXX and XXXX XXXX XXXX several time file a dispute with XXXX anf Trans Union and in the process of filling a police report once the lenders provide me with all of the necessary documents. Thanks for listening and providing me with some kind of assistance with this unfortunate matter.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

34208

Consent provided

Web

2023-03-02

Closed with non-monetary relief

Yes

2023-05-19

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

You never received your bill or did not know a payment was due

I did not receive my bill for my Old Navy CC and called for my account number so I could make a payment on line. For some reason, this happens often. I know it's due around the XXXX of each month. I called the number listed by Barclay 's Bank to make a payment and received a recording. After several personal questions, the automated voice said they located my account and were transferring me to a member of their Team. The person on the Team asked me again for my complete SSN, date of birth, etc.and then said they couldn't locate my account and was I sure I was calling the right number. I asked who I was speaking to and he said XXXX XXXX XXXX. He said they had no record of any account with me. I called another number for Old Navy payments and went through the same process only I didn't answer any more questions because it was the same person I spoke with before. I am upset because I have no idea who I gave my confidential information to. I called Barclay 's Bank directly and explained these calls and was disconnected. She said she was refreshing my number and then the call ended. I would appreciate any assistance you may e tend as I do not intend to make any additional payments to Old Navy. I closed the card over a year ago and just paying off the balance at a high interest rate. Numbers called were XXXX, XXXX and XXXX. Thank you!

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BARCLAYS BANK DELAWARE

PA

156XX

Older American

Consent provided

Web

2023-06-21

Closed with explanation

Yes

2021-04-11

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

When XXXX had the hack I placed a XXXX lock on all the major credit reporting agencies XXXX XXXX, XXXX, XXXX XXXX XXXX. After the 90 days were up I tried to have a limit on one of my credit cards and found the account still locked. I have recently tried to provide for time payments on a product and the company who was providing the financing told me the account was locked. I am thoroughly disgusted with these " credit reporting agencies '' as they continue to keep access to my credit reports so I can obtain credit for future purchases or increases on existing credit. The lock I place should have expired over a year ago but still remains in place. These companies need to be investigated and fined for keeping my access to lenders blocked.

EQUIFAX, INC.

FL

XXXXX

Servicemember

Consent provided

Web

2021-04-11

Closed with explanation

Yes

2021-07-05

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

Hello Ive requested on several occasions XXXX debts are validated from XXXX XXXX and XXXX or be removed for being falsely posted on my credit. They have all failed to validate the debt or remove the collections from my credit file. I sent two rounds of letters, once on XX/XX/ and also on XX/XX/ requesting the medical records be validated or removed and neither has been done. There are several medical records on my report that I need to be validated or removed, its about 11 collection accounts that need to be rectified.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

HCFS Health Care Financial Services, Inc.

FL

32839

Consent provided

Web

2021-07-05

Closed with explanation

Yes

2017-12-19

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

Bank of America has both admitted fault in the handling of my dispute AND refused to take responsibility of their negligence. I 've spoken with Managing Director XXXX XXXX of the LOB responsible, who was as bold as to argue that they are not responsible for what his Claims associates say on the phone, nor are they responsible for what they do or do n't do as a result of a customer conversation in the Claims process. Specifically : *We made a purchase, it turned out to be different than what was described ( with contradictory pre and post transaction descriptions of the product from the merchant himself, i.e. a slam dunk case ) *BAC took the claim *They denied the claim asking for a second opinion *I called, offered the second opinion, reviewed all other additional information ( see attached ) *BACs representative said the second opinion actually is not required, they would pursue the claim without it *Following BACs direction I called 2 times to verify the claim process was on track, BAC confirmed both times they were waiting to hear back from the merchant *3rd time, BAC rep realized they never actually continued the claim as previously promised, said I 'm out of luck *I escalate *Their Executive Relations team reviews my case, pulls the call where in which the representative promised to move forward without second opinion *ER REP LISTENED TO MY CALL AND OPENLY ADMITTED THE BANKS WRONG DOING ( her name was XXXX ) *ER had the LOB review again, but they denied any further consideration *I asked for the LOB contact information directly ( ER was happy to provide it ) *After a short debate ( first line LOB contact with XXXX XXXX ), the LOB ALSO OPENLY ADMITTED THE BANKS WRONG DOING , but argued they did at one point ask for second opinion, to which I technically did not provide ( because they told me not to, this again happened in the call recording that the ER rep pulled and saved ) *LOB promised to send to their manager, rather I was given back to ER, only for them to say again the LOB will not consider any further *This ER rep and I talk at length ( XXXX ), SHE ALSO OPENLY ADMITTED THE BANKS WRONG DOING, offers escalation *I talk to their " managing director '', he holds ground, refusing to discuss any logical or rational reasoning, just stating repeatedly that they did ask for something and technically I did not provide it ( again, because they said not to ... the MD at least avoided admitting any fault ). This ca n't be possible, right? Please see attachments.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

DE

19803

Consent provided

Web

2017-12-19

Closed with explanation

Yes

2023-06-11

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

The credit bureaus are in violation of my rights please help. They keep saying an account is verified as accurate, without providing me with any data on the account, and any proof of their method of investigation, and their so call real dispute results or the documentations prompting them to say the accident accurate. I even reached out to the credit, I was at first told that there is a fraudulent account in my name, that it will be deleted within 30 days, and then I received an email days ago saying they don't have any accounts under my personal information, so I am super confused, but either way the account is fraudulent and not mine, and would like it deleted from my credit report. Please see attached documents!

EQUIFAX, INC.

GA

30344

Servicemember

Consent provided

Web

2023-06-11

Closed with explanation

Yes

2017-03-08

Debt collection

Other (i.e. phone, health club, etc.)

Cont'd attempts collect debt not owed

Debt is not mine

a company ENHANCED RECOVERY CO L is reporting a Balance {$1900.00} I have NO CONTRACT with this company and or services

Company believes it acted appropriately as authorized by contract or law

ERC

MN

554XX

Consent provided

Web

2017-03-13

Closed

Yes

Yes

2017-09-26

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I have hard inquiries on my Equifax credit report that I did n't authorize or recognized. These are the following hard 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 ) and XXXX XXXX GA XXXX XXXX XXXX. Also identify theft was played at fault in many of these unauthorized accounts.

EQUIFAX, INC.

GA

315XX

Consent provided

Web

2017-09-26

Closed with non-monetary relief

Yes

2020-12-22

Debt collection

I do not know

False statements or representation

Impersonated attorney, law enforcement, or government official

Hello a building I stayed in 4 years ago when I left claimed I somewhat destroyed the apartment. They said they had to repaint the walls, replace the floor, replace utilities etc. Somehow of all the money I left them deposit etc. The cost was so high that after {$2000.00} was spent they still needed to get an additional {$1400.00}. I have tried to dispute this claim on XXXX. XXXX XXXX XXXX XXXX the place I was staying said they would create a dispute for the claim years ago they would get back to me with a certain email to send photos of the place in good condition etc. I never heard back from them. They never submitted evidence to me I had caused such destruction. When I try and dispute this with XXXX I simply get replies they checked the claim for accuracy and it is accurate. I have no idea what that means. How is it accurate? It was sold off to a debt collector Mutual Management and I still have no idea how they made this claim stick to my credit. I hired a lawyer for a separate property issue and I believe the firm does not think they can investigate these things once they are already on your credit report. Yet I saw a section that says that if I am not happy with XXXX attempt to investigate this claim I can file a claim on this website. Here I am. Please advise me if I can go further with this and can always retain the services of my lawyer to help if necessary. I have no plans to try and pay a debt for damages to a property I did not create. I feel its a fraudulent attempt to get more money from a tenant who always paid on time. Thanks checking this out for me.

Company believes it acted appropriately as authorized by contract or law

Mutual Management Services LLC

FL

331XX

Consent provided

Web

2020-12-22

Closed with explanation

Yes

2023-07-07

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Public record information inaccurate

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

EQUIFAX, INC.

TX

75040

Consent provided

Web

2023-07-07

Closed with non-monetary relief

Yes

2022-06-25

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XX/XX/2022 I submitted complaint # XXXX which included an identity theft report. Persuant to 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer. on XXXX XXXX was given proof of the identity theft and has failed to remove the items within 4 days

EQUIFAX, INC.

FL

33702

Consent provided

Web

2022-06-25

Closed with explanation

Yes

2019-03-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

I have been reported to the credit bureau for 1 late payment over 30 days due to a yearly membership fee of {$59.00} THAT WAS DUE ON XX/XX/XXXX allthough this credit card has been paid in full since XX/XX/XXXX. I have authorized CAPITALONE on several occasions to deduct minimum payments automatically from my bank account. I spoke with the rep at Capitalone and they verified that they have all of my correct banking info. On file however, the automatic payment was never generated and therefore they have reported negative information on my credit bureau.

CAPITAL ONE FINANCIAL CORPORATION

FL

33030

Consent provided

Web

2019-03-06

Closed with explanation

Yes

2022-05-28

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required 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 : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} XXXX XXXX Original Creditor : XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX

EQUIFAX, INC.

TX

78413

Consent provided

Web

2022-05-28

Closed with explanation

Yes

2023-05-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

EQUIFAX, INC.

MD

21206

Consent provided

Web

2023-05-24

Closed with non-monetary relief

Yes

2023-09-02

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

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. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 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.

EQUIFAX, INC.

NY

10451

Consent provided

Web

2023-09-02

Closed with explanation

Yes

2021-08-04

Debt collection

I do not know

Communication tactics

Frequent or repeated calls

I have been getting repeated phone calls from a debt collector, sometimes even twice in a week ( for example, XXXX, XXXX ). I do not know what this debt would be from since Ive never received anything in the mail warning me, requesting anything, or simply letting me know of something that I may owe a debt for. At this point I think this is a scam since I receive a ton of scam calls, oftentimes receiving calls after the debt calls, saying that theyre going to take legal action ( maybe not related but seems strange ). Anyway, I havent been alerted of any debts that I owe in an official manner, so why would I think this is legitimate? By the time, Im able to call, they are closed ( Im not with my phone during work days ). I also looked them up and the reviewers are all saying that theyre being harassed for a debt they never owed, like me, or that theyve already paid an old debt are still being called, which makes me even more hesitant to get in touch anyway. I would like them to stop calling me immediately.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

EVERGREEN PROFESSIONAL RECOVERIES, INC.

WA

98040

Consent provided

Web

2021-08-04

Closed with explanation

Yes

2021-04-06

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tuesday, XX/XX/2021 XXXX : Collection unknown bill from XXXX XXXX XXXX Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX shows up on an XXXX credit report as trying to collect a bill about which I have no knowledge. They list {$750.00} from Capital One NA. I know nothing of anything I may owe or even ever having used Capital One NA. I would like any verification that I owed anything to Capital One NA and when this was assumed and for what the bill was generated. If XXXX can not verify this claim, I want the claim erased from my credit reports. Thanks for your help. XXXX XXXX

CAPITAL ONE FINANCIAL CORPORATION

MO

XXXXX

Consent provided

Web

2021-04-09

Closed with explanation

Yes

2018-03-14

Debt collection

Other debt

Communication tactics

Frequent or repeated calls

We received notice of collection dat ed XX/XX/XXXX. I called and spoke to a representative onXX/XX/XXXX. We do not dispute the debt but we do dispute the amount. I sent a letter via overnight delivery disputing that amount. I received a letter dated XX/XX/XXXX supposedly enclosing validation of the amount. However, there was no validation of the amount in dispute. I then attempted and left numerous voicemails for, the representative I had been speaking with. On XX/XX/XXXX I spoke with a different representative. I attempted to discuss with her the disputed amount. She refused. She then proceeded to call me, my husband, my mothers-in-law and my husband 's employer approximately 10 times per day. I spoke with her again today, XX/XX/XXXX. She informed me that they have entered judgment against us ( without our knowledge ) and will be garnishing my husband 's wages. I sent a letter today via overnight, return-receipt, stating all future contact must be via mail. That all documentation must show that the amount is disputed and that we will be hiring legal counsel.

Columbia Recovery Group LLC

WA

XXXXX

Consent provided

Web

2018-03-14

Untimely response

No

2018-05-31

Checking or savings account

Checking account

Managing an account

Fee problem

Without proper notifications Bank of America started a maintenance fee on my account. I was going to close this account but then the customer service told me that keep you account open we will give you account for free - or without a fee. Starting last few months Bank of America started charging me fee for the same. Before charging the fee they did not even inform me of the fee is is coming with proper ways. This shows tactics Bank of America is employing to increase their revenues by improper ways. I want Bank of America to fully refund my fee and close my account. I would have close this account as I dont use it anymore. My balance was only {$4.00} and not its XXXX due to fee.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

94086

Consent provided

Web

2018-05-31

Closed with monetary relief

Yes

2020-05-14

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives ' addresses. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory in nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX, XXXX, XXXX x XXXX, XXXX, XXXX XXXX # XXXX x XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX My name is : XXXX XXXX - XXXX : XX/XX/1995 - SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX : All other employers listed are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX

EQUIFAX, INC.

OH

43213

Consent provided

Web

2020-05-14

Closed with explanation

Yes

2023-06-21

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act they violated my rights. Please delete the following items : XXXX XXXXXXXX XXXX 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.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TN

37040

Consent provided

Web

2023-06-21

Closed with explanation

Yes

2018-01-16

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

I requested a credit limit increase on XXXX XXXX, 2017. I was denied an increase because " recent use of this accounts existing credit line has been too low '', per their denial letter dated XX/XX/17. After reviewing CapitalOne 's complete frequently asked questions concerning reasons for denial, not a single factor shows cause for denying me a credit limit increase. I have been a customer of CapitalOne for over 20 years. I believe there is not sufficient merit to base such a denial of credit limit. In fact, all my other trade lines did grant me a credit limit increase recently including XXXX XXXX, XXXX, XXXX, and XXXX XXXX. Both XXXX and XXXX almost doubled my credit limit from {$12000.00}. to {$23000.00}. due to my superior credit discipline and payment history. I review my trade lines annually and try to request a credit limit increase primarily to boost my credit scores and future purchasing power.

CAPITAL ONE FINANCIAL CORPORATION

NJ

08876

Servicemember

Consent provided

Web

2018-01-16

Closed with explanation

Yes

2023-02-13

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I am having a difficult time getting Experian to remove an account that they are inaccurately reporting. I have sent many dispute letters to the point of no avail. They are reporting that the account XXXX XXXX XXXX XXXX XXXX was late 4 times and eventually charged off. This is not true. The account was never charged off and I have contacted the company to ask for the 1099c form and to see what company it was sold to and they reassured me that the account was closed and not sold. During 2020, I was on deferment due to XXXX so there should be no late payments according to the FCRA. Also, both XXXX and XXXX are not reporting this account so there is no way that Experian is in compliance. I am asking that Experian removes the account from my credit report or update the account to paid as agreed never late, removing all late payments for their negligence. I am aware that I can be compensated up to {$1000.00} per violation, but at this time I am only interested in the deletion of the inaccurate information to reflect my true credit profile as this is causing me extreme distress. I do look forward to a response within 15 days.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

75050

Consent provided

Web

2023-02-13

Closed with explanation

Yes

2022-02-14

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

XXXX Sent payment to Vendor {$54.00} ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Contacted merchant about receiving product, thank her about the product but item wasn't as described. Received item defective. XXXX Reported to bank Wells Fargo XXXX filed dispute. XXXX Vendor messaged me to check why I filed a bank dispute since I received the product but she didn't want to resolve issue anymore since it's been 2 months but she was informed when I filed the dispute. Vendor threatened me to cancel the claim because it's not fair. She insisted on fixing the issue and stating I should quit the claim. I feel like I should have gotten at least partial refund or credit from her business, nothing was offered. The product I received had a hole and item was not wearable at all. It's been more than 90 days and I haven't heard from my bank about this issue.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

CA

94536

Consent provided

Web

2022-02-14

Closed with monetary relief

Yes

2022-06-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

I filed a complaint here with the CFPB on XX/XX/2022 against Transunion, XXXX and XXXX. I received a completed investigation update here on the CFPB site from XXXX on XX/XX/2022 which is within the 30 day. As of today XX/XX/2022 which is the XXXX day since my complaint. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

62221

Consent provided

Web

2022-06-24

Closed with explanation

Yes

2020-11-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call expirience so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX XXXX and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

ALLY FINANCIAL INC.

NY

10562

Consent provided

Web

2020-11-24

Closed with explanation

Yes

2022-03-18

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act these accounts has violated my rights. Please see below : XXXX XXXX XXXX XXXX, I was never 30 days late in XX/XX/XXXX or XX/XX/XXXX. The other bureaus have me listed as, Paying on time. XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. XXXX XXXX XXXX, I was never late XX/XX/XXXX. 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 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.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

FL

34787

Consent provided

Web

2022-03-18

Closed with explanation

Yes

2019-01-14

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

I was given a eviction notice 3 days to pay rent or vacate property within the 3 days i moved out my outstanding rent for the prior month had been paid 5 months later I'm in the credit bureau owing XXXX there is no verification of me owing that money or any acknowledgement of me agreeing to it I asked that XXXX XXXX along with experian delete but to no avail.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

FL

32810

Consent provided

Web

2019-01-14

Closed with explanation

Yes

2022-09-07

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

I moved approx {$4500.00} in charges to a payment plan utilizing Amexs PLAN IT feature. Despite the amounts being reflected on the account as being active Plans with the ability to pay the amounts over 24 months, Amex is still demanding payment in full and is reflecting the account past due for these amounts. My charging privileges have now been suspended and when I call I get connected to collections who just dont seem to be able to grasp the issue. Both my calls and chats have been disconnected while I patiently explain the issues but the agent seems either incapable or unable to understand, address and resolve. CFPB should get involved here this is a major card issuer and this problem has to be impacting lots of consumers.

AMERICAN EXPRESS COMPANY

FL

33157

Consent provided

Web

2022-09-07

Closed with monetary relief

Yes

2017-10-05

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Capital One Bank account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

CAPITAL ONE FINANCIAL CORPORATION

NY

11226

Consent provided

Web

2017-10-05

Closed with explanation

Yes

2022-01-11

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the 3 credit bureaus : Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

77630

Consent provided

Web

2022-01-11

Closed with explanation

Yes

2018-04-17

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

XXXX, Transunion and XXXX attached please find complaints I have filed against two collection agencies who violated FCRA in their response to your investigations of the fraudulent accounts they, XXXX XXXX and XXXX XXXX XXXX, placed on my credit reports on/about XX/XX/XXXX and XX/XX/XXXX respectively, which I disputed but they replied that they had verified the accounts when they had not. As such, in violation of the FCRA, XXXX XXXX AND XXXX XXXX XXXX willingly and knowingly gave false and inaccurate information in their responses to those disputes, in their responses to the disputes I filed against you and them through the CFPB and in their response to the complaints I filed specifically against them through the CFPBs website after their claiming to you that they had verified the accounts when in fact they had not nor can they because the accounts are fraud.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

XXXXX

Servicemember

Consent provided

Web

2018-04-17

Closed with explanation

Yes

2023-06-19

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

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. Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

45241

Consent provided

Web

2023-06-19

Closed with explanation

Yes

2018-07-23

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

I have been going back and forth with this collection agency and the creditor for now almost 6 years. I lived at a property for a short time and when I moved out I was given misleading information. The collection agency at first tried to collect an amount of {$2700.00} when in actuality I allegedly only owed {$650.00}. I contacted the creditor XXXX XXXX who corrected the amount but it took close to 1 year to accomplish this. I offered to pay the {$650.00} but asked that the debt be removed from my credit report because if the original balance was {$650.00} and not {$2700.00} I would have paid it no questions asked. Due to the lack of cooperation from the collection agency Fair Collections And Out and then the drawn out emails and constant back and forth with XXXX XXXX AKA XXXX XXXX it was discovered that the balance indeed was {$650.00} so the entire time they damaged my credit based on a false amount owed which is against the law. I will attached the email chain so you can all see it. It took me many phone calls and their office manager at the time to fill me in on the information so I could get the correct amount. When I told them the office manager gave it to me they didn't believe me so I had to show them proof of my phone calls ect. This was very deceptive on both Fair Collections And Out and XXXX XXXX to try to scam me out of {$2700.00}. They did however correct it to {$650.00} and as a courtesy I asked them to please send me courtesy deletion letter or email showing good faith that they would correct the issue and remove it from my credit because it was not done correctly from beginning ( which I offered to pay when I moved out the correct balance ). They refused to do so. Now I could let the debt expire and pay nothing but I would rather take care of the debt and pay it. My offer still stands to pay the debt but have it deleted because it was wrong from the beginning to the tune of {$2000.00} off.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

FAIR COLLECTIONS & OUTSOURCING, INC.

FL

33442

Consent provided

Web

2018-07-23

Closed with explanation

Yes

2023-02-18

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

XXXX XXXX is not reporting my mortgage to credit bureaus. My credit report shows no mortgage loan. I have contacted them about this and no results..

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

GA

30223

Consent provided

Web

2023-02-18

Closed with explanation

Yes

2020-04-13

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

MRS BPO at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX @ XXXX, has been contacting me daily via texting, phone calls, and the mail. This volatile behavior is extremely harassing and verbally abusive. I do not owe this debt, and want them to cease & desist all communication and harassment immediately!

Company disputes the facts presented in the complaint

MRS BPO, LLC

KY

42431

Consent provided

Web

2020-04-13

Closed with non-monetary relief

Yes

2020-10-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

Account number : XXXX with credit card that end in XXXX has been paid with a {$0.00} balance but it is reflecting an incorrect balance on my credit report.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

339XX

Servicemember

Consent provided

Web

2020-10-09

Closed with explanation

Yes

2018-09-28

Debt collection

Credit card debt

Communication tactics

Frequent or repeated calls

Since last week ( Friday, XX/XX/2018 ), XXXX XXXX XXXX had called me and my husband to collect a debt from a Walmart Credit Card. Yesterday ( Thursday, XX/XX/2018 ) they have contacted my husband via his phone number and threatened to sue me.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

SYNCHRONY FINANCIAL

PR

00730

Consent provided

Web

2018-10-03

Closed with explanation

Yes

2023-06-07

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

FL

33032

Consent provided

Web

2023-06-07

Closed with explanation

Yes

2022-04-27

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. INQUIRIES : XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 -XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

70127

Consent provided

Web

2022-04-27

Closed with non-monetary relief

Yes

2022-02-04

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hello this is a formal complaint to request all credit reporting agencies including Experian, XXXX, and XXXX to stop reporting invalid information in my name. Listed account information XXXX XXXX XXXX # XXXX, XXXX # XXXX, CHAPTER XXXX BANKRUPTCY # XXXX, that are in no way mine. There is a public record for Chapter XXXX Bankruptcy on my report and I DO NOT file for bankruptcy. That is false and misleading and has stopped me from getting a approved for a home and much more. The credit reporting agencies have taken fraud to a whole new level all while violated the federal law.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

AL

35216

Consent provided

Web

2022-02-04

Closed with non-monetary relief

Yes

2021-11-03

Credit reporting, credit repair services, or other personal consumer reports

Other personal consumer report

Incorrect information on your report

Information is incorrect

I recently attempted to purchase new car insurance and was notified of an adverse claim record being reported by LexisNexisXXXX. Ive emailed and called XXXX to discuss the inaccurate claim history, however the rep will not share any information after identifying myself and will not update their record.

LEXISNEXIS

IL

60110

Consent provided

Web

2021-11-03

Closed with explanation

Yes

2022-05-30

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00}

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

VA

23860

Consent provided

Web

2022-05-30

Closed with non-monetary relief

Yes

2020-02-03

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I received many calls from a student loan company asking me for money. I never went to school, so I was confused on what was happening. I then pulled my credit on my own and I saw several student loans and other items on my report that are not mine. Please get the fraudulent items off my report. XXXX XXXX XXXX {$550.00} DEPTEDXXXX XXXX {$1600.00} XXXX XXXX XXXX {$440.00} DEPTEDXXXX XXXX {$4500.00} US DEPT ED XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$330.00}

EQUIFAX, INC.

AR

72116

Consent provided

Web

2020-02-03

Closed with non-monetary relief

Yes

2022-08-24

Checking or savings account

Checking account

Managing an account

Funds not handled or disbursed as instructed

I withdrew {$2000.00} in cash from my checking account at local Wells Fargo Bank using their teller services on XX/XX/2022. The next day when I took money out of the envelope, I noticed that one of the {$100.00} bill was fake. In fact, it was XXXX money. I opened a case with Wells Fargo customer service informing them about this issue. At a later date, I took the fake bill to the branch and the manager was able to confirm that their cash counting machine was unable to catch this bill. She opened yet another case but so far no progress have been made. I have contacted the local branch, their XXXX customer service and also their social media support but to no avail. I need your help to recover my rightful money from this bank.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

VA

23059

Consent provided

Web

2022-08-24

Closed with monetary relief

Yes

2021-01-22

Checking or savings account

Checking account

Closing an account

Can't close your account

Somebody opened a Chime bank account with my personal information ( name, email, social ) but used a different phone number and address. I received an email from Chime that my temp card was active and physical card in the mail. I tried to contact them to tell them I never opened this account. I reported to FTC identity theft and major credit agencies. It is physically impossible to actually reach a live person at chime though they keep emailing me telling me to call the number. None of the options on their support phone line at any point in the day will actually lead to a live person. Im stuck in a feedback loop and cant close this account. No idea what is happening in the meantime whether they are using my credit, racking up charges that will ultimately go to collections or what. Not sure what else to do at this point but somebody recommended I try this site as well.

Chime Financial Inc

CA

93906

Consent provided

Web

2021-01-22

Closed with explanation

Yes