BEE-spoke-data/consumer-finance-complaints

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2020-12-17	Debt collection	Medical debt	Written notification about debt	Didn't receive notice of right to dispute	null	null	Armada Corp.	NV	89141	null	Consent not provided	Web	2020-12-18	Closed with explanation	Yes	null	4,018,601
2020-12-17	Debt collection	Medical debt	Attempts to collect debt not owed	Debt was result of identity theft	null	null	CHS, Inc.	VA	23223	null	Consent not provided	Web	2020-12-17	Closed with explanation	Yes	null	4,017,762
2020-12-18	Mortgage	FHA mortgage	Trouble during payment process	null	null	null	CARRINGTON MORTGAGE SERVICES, LLC	WA	98933	null	Consent not provided	Web	2020-12-18	Closed with explanation	Yes	null	4,020,298
2020-12-21	Credit card or prepaid card	Government benefit card	Unexpected or other fees	null	null	null	Conduent Incorporated	null	null	null	null	Phone	2020-12-21	Closed with explanation	Yes	null	4,025,070
2020-12-26	Debt collection	I do not know	Attempts to collect debt not owed	Debt is not yours	null	null	Monarch Recovery Holdings, Inc.	RI	02860	null	Consent not provided	Web	2021-01-12	Closed with explanation	Yes	null	4,031,576
2020-12-28	Money transfer, virtual currency, or money service	Domestic (US) money transfer	Other transaction problem	null	null	null	Paypal Holdings, Inc	NC	27410	null	Consent not provided	Web	2020-12-28	Closed with explanation	Yes	null	4,033,750
2020-12-28	Debt collection	Credit card debt	Attempts to collect debt not owed	Debt was paid	null	null	DISCOVER BANK	NY	11212	null	Consent not provided	Web	2020-12-28	Closed with explanation	Yes	null	4,034,977
2020-12-28	Mortgage	VA mortgage	Trouble during payment process	null	null	null	Gotmortgage.com	GA	30047	Servicemember	Consent not provided	Web	2021-01-12	Closed with monetary relief	Yes	null	4,035,484
2020-12-29	Credit card or prepaid card	General-purpose credit card or charge card	Fees or interest	Problem with fees	null	null	CAPITAL ONE FINANCIAL CORPORATION	NY	13601	null	null	Phone	2020-12-31	Closed with explanation	Yes	null	4,036,995
2020-12-30	Mortgage	FHA mortgage	Struggling to pay mortgage	null	null	null	PENNYMAC LOAN SERVICES, LLC.	UT	84501	null	Other	Web	2020-12-30	Closed with explanation	Yes	null	4,039,006
2020-12-30	Mortgage	FHA mortgage	Trouble during payment process	null	null	null	PENNYMAC LOAN SERVICES, LLC.	VA	20169	null	Consent not provided	Web	2020-12-30	Closed with explanation	Yes	null	4,039,895
2020-12-31	Vehicle loan or lease	Lease	Struggling to pay your loan	Denied request to lower payments	null	null	FORD MOTOR CREDIT CO.	CA	95361	null	Consent not provided	Web	2020-12-31	Closed with non-monetary relief	Yes	null	4,040,272
2020-12-30	Money transfer, virtual currency, or money service	Domestic (US) money transfer	Fraud or scam	null	null	null	Paypal Holdings, Inc	MA	02155	null	Consent not provided	Web	2020-12-30	Closed with explanation	Yes	null	4,039,029
2020-12-30	Debt collection	Other debt	Attempts to collect debt not owed	Debt was result of identity theft	null	null	ACI Worldwide, Corp.	FL	33409	null	Consent not provided	Web	2020-12-30	Closed with explanation	Yes	null	4,039,568
2020-12-30	Mortgage	Conventional home mortgage	Trouble during payment process	null	null	null	HUNTINGTON NATIONAL BANK, THE	MI	48312	null	null	Referral	2021-01-04	Closed with explanation	Yes	null	4,046,999
2021-01-01	Debt collection	I do not know	Attempts to collect debt not owed	Debt is not yours	null	null	Bread Financial Holdings, Inc.	MA	02302	null	Consent not provided	Web	2021-01-04	Closed with non-monetary relief	Yes	null	4,042,034
2020-12-31	Debt collection	Other debt	Attempts to collect debt not owed	Debt is not yours	null	null	Revco Management, LLC	NJ	08879	null	Other	Web	2020-12-31	Closed with non-monetary relief	Yes	null	4,041,358
2021-01-03	Debt collection	I do not know	Attempts to collect debt not owed	Debt is not yours	null	null	PORTFOLIO RECOVERY ASSOCIATES INC	MA	02301	null	Consent not provided	Web	2021-01-03	Closed with non-monetary relief	Yes	null	4,044,748
2021-01-05	Checking or savings account	Checking account	Closing an account	Fees charged for closing account	null	null	HUNTINGTON NATIONAL BANK, THE	OH	43334	null	null	Referral	2021-01-22	Closed with explanation	Yes	null	4,048,279
2021-01-05	Money transfer, virtual currency, or money service	Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	null	null	null	Square Inc	GA	31071	null	null	Phone	2021-01-05	Closed with explanation	Yes	null	4,049,483
2021-01-05	Mortgage	Conventional home mortgage	Trouble during payment process	null	Original issue starting XX/XX/XXXX ( file of interactions attached ) : I have been a mortgage holder with Citizens Bank ( aka CitizensOne ) for 3 homes, multiple mortgages, and 10+ years. Upon refinancing my existing 3+ year old loan with Citizens in XX/XX/XXXX everything seemed be in fair order and payments have been applied on time throughout. However, after closer examination in XXXX I noticed my escrow balance was unusually high. Upon further investigation I noticed Citizens DID NOT pay out my school property tax as scheduled in XXXX. The repercussion of not paying then is a loss of a 2 % discount fee. I started contacting Citizens on XX/XX/XXXX explaining that if this went unpaid past XX/XX/XXXX it would be an additional 10 % penalty. I have had 18 interactions involving mostly Citizens ( 12 ), local taxing authority, school district, and attorney 's offices confirming this is an issue with Citizens and it should be paid. I'm now receiving delinquency letters from the taxing authority that if not paid by XX/XX/XXXX I am in default. This could result in a lien on my home. This entire situation has been entirely unacceptable as my escrow is fully funded and has paid this tax year-over-year in XXXX successfully. I am seeking immediate payment of my property tax for which only the discount fee which would have been charged in XXXX is billed from my escrow, and any remainder due paid on behalf of the bank as it is their error. I will then not only be removing any and all business from the bank, but encouraging others to do so as well unless this is resolved with a highly satisfactory and timely result. Update as of XXXX : Confirmed property tax now paid and penalty portion paid by Citizens, but not until after 42 interactions and over 40 hours of my time consumed over the past 2-months to resolve. New issue as of XXXX : Upon confirmation of payment of my taxes I logged into my account both on mobile and web after noticing my XXXX payment had not been deducted from my bank account as scheduled in auto draft. Both the web and mobile interfaces showed my account as " past due '' with no record of auto draft in place. Thus, I paid the XXXX payment directly through mobile app. As of XXXX, when I log in it's now showing me as having auto draft payment and two payments processed with a next payment due XXXX and auto draft XXXX. I do not wish to have two mortgage payments paid. The customer service line does not give option to speak with a representative and the earliest call back available in the auto prompt is nearly a week away from today on Monday, XX/XX/XXXX. I have escalated with the contact person I worked with on the tax issue in the " Office of the Chairman '' XXXX XXXX. I called her first yesterday, XXXX with no response. After multiple tries today I got a hold of her and she said she would look into it. The mortgage servicing experience has been dreadful with Citizens and I hope it is rectified for future customers.	null	CITIZENS FINANCIAL GROUP, INC.	PA	XXXXX	null	Consent provided	Web	2021-01-05	Closed with explanation	Yes	null	4,048,187
2021-01-06	Checking or savings account	Checking account	Managing an account	Problem accessing account	null	null	CITIZENS FINANCIAL GROUP, INC.	MI	48180	null	null	Phone	2021-01-21	Closed with explanation	Yes	null	4,050,948
2021-01-06	Checking or savings account	Checking account	Managing an account	Fee problem	null	null	BANK OF THE WEST	CA	95035	null	null	Referral	2021-01-07	Closed with explanation	Yes	null	4,055,147
2021-01-06	Mortgage	Conventional home mortgage	Struggling to pay mortgage	null	null	null	Home Point Financial Corporation	NY	10952	null	Other	Web	2021-01-06	Closed with explanation	Yes	null	4,052,135
2021-01-07	Student loan	Federal student loan servicing	Struggling to repay your loan	Can't get other flexible options for repaying your loan	null	null	Navient Solutions, LLC.	SC	29560	Servicemember	null	Phone	2021-01-07	Closed with explanation	Yes	null	4,053,792
2021-01-07	Money transfer, virtual currency, or money service	Virtual currency	Unexpected or other fees	null	null	null	Coinbase, Inc.	NY	11364	null	Consent not provided	Web	2021-01-08	Closed with monetary relief	Yes	null	4,054,872
2021-01-08	Debt collection	I do not know	Attempts to collect debt not owed	Debt is not yours	null	null	ERC	TX	77433	null	Consent not provided	Web	2021-01-08	Closed with explanation	Yes	null	4,056,902
2021-01-08	Debt collection	Federal student loan debt	Attempts to collect debt not owed	Debt was paid	null	null	TRANSWORLD SYSTEMS INC	GA	30101	null	Consent not provided	Web	2021-01-08	Closed with explanation	Yes	null	4,056,590
2021-01-08	Payday loan, title loan, or personal loan	Payday loan	Can't contact lender or servicer	null	null	null	WLCC	FL	33012	null	null	Phone	2021-01-08	Closed with explanation	Yes	null	4,057,028
2021-01-11	Mortgage	FHA mortgage	Struggling to pay mortgage	null	null	null	Mr. Cooper Group Inc.	TX	75052	null	Consent not provided	Web	2021-01-25	Closed with explanation	Yes	null	4,059,349
2021-01-11	Vehicle loan or lease	Loan	Managing the loan or lease	Billing problem	null	null	PRESTIGE FINANCIAL SERVICES INC	GA	30302	null	Consent not provided	Web	2021-01-11	Closed with explanation	Yes	null	4,059,918
2021-01-11	Debt collection	I do not know	Attempts to collect debt not owed	Debt is not yours	null	null	TRANSWORLD SYSTEMS INC	TX	79705	null	Consent not provided	Web	2021-01-11	Closed with explanation	Yes	null	4,060,628
2021-01-11	Debt collection	I do not know	Attempts to collect debt not owed	Debt is not yours	null	null	The Bureaus, Inc.	WI	53714	null	Consent not provided	Web	2021-01-11	Closed with explanation	Yes	null	4,059,414
2021-01-10	Debt collection	Credit card debt	Attempts to collect debt not owed	Debt was result of identity theft	null	null	EQUIFAX, INC.	MD	20705	null	Consent not provided	Web	2021-01-10	Closed with explanation	Yes	null	4,059,644
2021-01-11	Debt collection	I do not know	Attempts to collect debt not owed	Debt is not yours	null	null	CURO Intermediate Holdings	TX	78596	null	Consent not provided	Web	2021-01-27	Closed with explanation	Yes	null	4,059,386
2021-01-11	Debt collection	Credit card debt	Attempts to collect debt not owed	Debt is not yours	null	null	Bread Financial Holdings, Inc.	MA	02343	null	Consent not provided	Web	2021-01-21	Closed with explanation	Yes	null	4,061,874
2021-01-11	Debt collection	Other debt	False statements or representation	Attempted to collect wrong amount	null	null	Alco Collections, Inc.	null	null	null	null	Phone	2021-01-11	Closed with explanation	Yes	null	4,061,646
2021-01-11	Debt collection	I do not know	Attempts to collect debt not owed	Debt is not yours	null	null	Nelnet, Inc.	MI	48602	null	Consent not provided	Web	2021-01-27	Closed with explanation	Yes	null	4,059,994
2021-01-12	Mortgage	FHA mortgage	Trouble during payment process	null	null	null	LD Holdings Group, LLC	TN	37211	Older American	Consent not provided	Web	2021-01-27	Closed with explanation	Yes	null	4,063,954
2021-01-12	Mortgage	Conventional home mortgage	Trouble during payment process	null	null	null	United Shore Financial Services, LLC	WA	98110	null	Consent not provided	Web	2021-01-12	Closed with explanation	Yes	null	4,063,740
2021-01-12	Debt collection	Other debt	Written notification about debt	Didn't receive enough information to verify debt	null	null	NCB Management Services Inc.	TX	78416	null	Consent not provided	Web	2021-01-12	Closed with explanation	Yes	null	4,063,844
2021-01-12	Student loan	Federal student loan servicing	Dealing with your lender or servicer	Received bad information about your loan	null	null	Navient Solutions, LLC.	TX	77044	null	Consent not provided	Web	2021-01-12	Closed with explanation	Yes	null	4,063,908
2021-01-13	Debt collection	Credit card debt	Written notification about debt	Didn't receive enough information to verify debt	null	null	TD BANK US HOLDING COMPANY	FL	33056	null	Consent not provided	Web	2021-01-13	Closed with explanation	Yes	null	4,064,938
2021-01-13	Debt collection	I do not know	Attempts to collect debt not owed	Debt was result of identity theft	null	null	Bread Financial Holdings, Inc.	TX	75235	null	Consent not provided	Web	2021-01-13	Closed with explanation	Yes	null	4,064,632
2021-01-13	Debt collection	Credit card debt	Written notification about debt	Didn't receive notice of right to dispute	null	null	JPMORGAN CHASE & CO.	MD	20601	Older American	Consent not provided	Web	2021-01-28	Closed with explanation	Yes	null	4,067,635
2021-01-12	Checking or savings account	Checking account	Managing an account	Problem accessing account	null	null	Chime Financial Inc	KS	67042	null	null	Referral	2021-01-13	Closed with explanation	Yes	null	4,067,281
2021-01-13	Debt collection	Payday loan debt	Attempts to collect debt not owed	Debt was result of identity theft	null	Company can't verify or dispute the facts in the complaint	BlueChip Financial	NJ	08742	null	Consent not provided	Web	2021-01-13	Closed with explanation	Yes	null	4,067,678
2021-01-13	Credit card or prepaid card	General-purpose credit card or charge card	Problem when making payments	Problem during payment process	null	null	HSBC NORTH AMERICA HOLDINGS INC.	FL	33319	null	null	Phone	2021-01-13	Closed with explanation	Yes	null	4,065,607
2021-01-14	Debt collection	Other debt	Attempts to collect debt not owed	Debt was already discharged in bankruptcy and is no longer owed	null	null	National Credit Systems,Inc.	TX	76148	null	Consent not provided	Web	2021-01-14	Closed with explanation	Yes	null	4,067,954
2021-01-14	Mortgage	Conventional home mortgage	Trouble during payment process	null	null	null	Mr. Cooper Group Inc.	CA	91302	null	Consent not provided	Web	2021-02-01	Closed with explanation	Yes	null	4,068,132
2021-01-14	Checking or savings account	Checking account	Closing an account	Company closed your account	null	null	HSBC NORTH AMERICA HOLDINGS INC.	TN	37209	null	null	Referral	2021-02-01	Closed with explanation	Yes	null	4,068,667
2021-01-14	Vehicle loan or lease	Loan	Managing the loan or lease	Loan sold or transferred to another company	null	null	Comerica	NJ	07747	null	null	Referral	2021-02-01	Closed with explanation	Yes	null	4,070,395
2021-01-15	Money transfer, virtual currency, or money service	Mobile or digital wallet	Fraud or scam	null	null	null	Square Inc	CA	94553	null	Consent not provided	Web	2021-01-15	Closed with explanation	Yes	null	4,070,916
2021-01-15	Mortgage	VA mortgage	Struggling to pay mortgage	null	null	Company has responded to the consumer and the CFPB and chooses not to provide a public response	WELLS FARGO & COMPANY	ND	58201	Servicemember	Consent withdrawn	Web	2021-01-15	Closed with explanation	Yes	null	4,070,786
2021-01-15	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	null	null	EQUIFAX, INC.	TN	38134	null	Consent not provided	Web	2021-01-15	Closed with explanation	Yes	null	4,071,246
2021-01-15	Mortgage	VA mortgage	Trouble during payment process	null	null	null	PLANET HOME LENDING, LLC	TX	79015	Servicemember	Consent not provided	Web	2021-01-15	Closed with explanation	Yes	null	4,072,369
2021-01-16	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	PA	18360	null	Consent not provided	Web	2021-01-16	Closed with explanation	Yes	null	4,072,546
2021-01-16	Mortgage	Conventional home mortgage	Closing on a mortgage	null	null	null	Ocwen Financial Corporation	TX	78612	null	Consent not provided	Web	2021-01-16	Closed with explanation	Yes	null	4,072,673
2021-01-17	Checking or savings account	Checking account	Opening an account	Didn't receive terms that were advertised	null	null	Social Finance, Inc.	CA	92056	null	Consent not provided	Web	2021-01-17	Closed with explanation	Yes	null	4,074,118
2021-01-16	Debt collection	Medical debt	Attempts to collect debt not owed	Debt was paid	null	null	Elevate Recoveries, LLC	FL	32901	null	Consent not provided	Web	2021-01-16	Closed with explanation	Yes	null	4,073,877
2021-01-18	Vehicle loan or lease	Loan	Problems at the end of the loan or lease	Problem with paying off the loan	null	null	CarMax, Inc.	OH	43004	null	Consent not provided	Web	2021-01-18	Closed with monetary relief	Yes	null	4,075,370
2021-01-18	Debt collection	I do not know	Communication tactics	Frequent or repeated calls	null	null	Kriya Capital, LLC	OH	44231	null	Consent withdrawn	Web	2021-01-18	Closed with explanation	Yes	null	4,075,634
2021-01-18	Checking or savings account	Checking account	Closing an account	Funds not received from closed account	Re : OCC Case # XXXX -JP Morgan Chase Bank , XXXX XXXX XXXX XXXX XXXX : I write you in further response to the OCCs response letter, dated XX/XX/XXXX ( OCCs XX/XX/XXXX letter ). I attach the letter for your convenience. I write with complete and total frustration. For over 6 months, Chase Bank has taken XXXX of my money out of my accounts and refuses to communicate anything from me. It is as if the Bank has exercised its largess, closed my accounts, stole my money, told lies to you and the OCC, the one government assistance program that can possibly help me, and told its employees to no longer communicate with me. In the OCCs XX/XX/XXXX letter, the OCC advises that the Banks Deposit Account Agreement ( DDA ) allows them to their close an account for any reason, at any time, and without prior notice. I do not dispute this point. It is not the relevant point to this complaint. The issue is that the Bank removed XXXX in XX/XX/XXXX from my accounts without justification and denying me access and information regarding that money. XXXX from my business checking account XXXX and XXXX from my personal checking account XXXX. Most egregiously, in responding to the XXXX XXXX XXXX the Bank provided false information in addressing my complaint. For one, the Bank stated to the OCC the [ I ] withdrew XXXX XXXX XXXXXX/XX/XXXX, at their branch. See XX/XX/XXXX OCC letter. This is a false statement. As of XX/XX/XXXX, my access to my accounts had been restricted by the Bank. See XX/XX/XXXX Chase letter. In fact, the Bank was the only entity who could withdraw funds from my account after XX/XX/XXXX, and they did. Second, the Bank advised the OCC that all [ of my ] remaining funds will be held in suspense and issued once [ the Bank ] completes their internal investigation. This is a false statement. I was personally advised by the Banks Global Security group on XX/XX/XXXX, that the Banks internal investigation had been closed. This was again confirmed on XX/XX/XXXX in person when a Chase bank employee reiterated this to me after communicating with their back office. Additionally, in a letter from Chase corporate office dated XXXX XXXX, they state You must resolve this matter directly with them [ XXXX XXXX ]. Which is exactly what I did and I have confirmation from XXXX XXXX XXXX Officer, XXXX XXXX, that proves this. Along with a letter from the FDIC that confirms this fact as well. The loan in question was paid in full with interest as of XX/XX/XXXX. I am stuck and have no where else to turn to get the Bank to take my concerns seriously. The Bank has stolen my money -- XXXX It has been almost 6 months. The Bank has refused any further communication with me since XX/XX/XXXX. Indeed, the Bank has told its officers and employees to no longer communicate with me or provide me any further information or documents. I was able to photograph a monitor at Chase branch with those instructions from its corporate headquarters and I have this saved for my records. I made a good faith effort since day 1 to resolve this issue. I have spoke with 3-4 different Chase Bankers seeking assistance. I have called into Asset recovery, Global Security, Loss Prevention over 20 times each during the course of XXXX thru XX/XX/XXXX. I left voicemails on multiple occasions for XXXX at Global Security, XXXX at Corporate, XXXX XXXX at Global Security and have received no response. A portion of my money was sent to me in form of a cashier 's check that was issued to me by Chase XX/XX/XXXX and expedited via XXXX.XXXX from Corporate left me multiple voicemails regarding this and I have those voice mails saved. This cashier check was deposited into my business account at another Bank. Chase bank put a stop payment on the cashiers check due to fraud and caused over 2 days loss of business while my new bank sorted it out. When I notified XXXX of the issue, he said he would escalate it and get back to me which he never did. Where is my money? More importantly, they need to give me my money back now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am financially suffering because of the pandemic and these funds are sorely needed.	null	JPMORGAN CHASE & CO.	FL	33071	null	Consent provided	Web	2021-01-18	Closed with explanation	Yes	null	4,075,388
2021-01-18	Debt collection	Other debt	False statements or representation	Attempted to collect wrong amount	null	null	HW Holding, Inc	CA	90505	null	Other	Web	2021-01-18	Closed with explanation	Yes	null	4,075,482
2021-01-19	Debt collection	I do not know	Attempts to collect debt not owed	Debt is not yours	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX RE : Account # XXXX {$230.00} To Whom It May Concern : This account already been disputed and removed by XXXX XXXX XXXX XXXX XXXX so this information is inaccurate and must be removed, I copy of a previous responce will be attached to this complaint. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail.	null	Kriya Capital, LLC	GA	30045	null	Consent provided	Web	2021-01-19	Closed with non-monetary relief	Yes	null	4,076,339
2021-01-19	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	GA	30318	null	Consent not provided	Web	2021-01-19	Closed with explanation	Yes	null	4,078,450
2021-01-19	Debt collection	Credit card debt	Attempts to collect debt not owed	Debt is not yours	null	null	CAVALRY INVESTMENTS, LLC	MA	02301	null	Consent not provided	Web	2021-02-03	Closed with explanation	Yes	null	4,078,185
2021-01-19	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	null	null	EQUIFAX, INC.	FL	33169	null	Consent not provided	Web	2021-01-19	Closed with explanation	Yes	null	4,078,662
2021-01-20	Money transfer, virtual currency, or money service	Domestic (US) money transfer	Other transaction problem	null	I was advised by the XXXX XXXX XXXX to reach out to this department Consumers Finance Protection Bureau for further assistance with my case XXXX Complaint ID # XXXX Complaint Filed : XX/XX/2020 Consumer Information Name : Mr. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, MA XXXX Daytime Phone : ( XXXX ) XXXX Evening Phone : ( XXXX ) XXXX Fax : None Provided Email : XXXX Business Information Business Name : Cash App Address : XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Nature of Complaint : Customer Service Issues Date Problem Occured : XX/XX/2020 XXXX XXXX Date ( s ) Complained : XX/XX/2020 XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XX/XX/2020 XXXX XXXX Purchase Date : XX/XX/2020 XXXXXXXX XXXX Salesperson : None Provided Complaint Details ( cont. ) Product/Service : Cashapp Compromised Model # : XXXX Account # : None Provided Order # : None Provided Purchase Price : XXXX Payment : In Full Cash Disputed Amount : XXXX Communication / Message History Complaint Details From : XXXX XXXX To : Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subj : Account compromised Date : XX/XX/2020 To whom it may concern My name is XXXX XXXX I have been reaching out to cash app Since XXXX the XXXX 2020 my account was compromised, and {$800.00} was taken out of my account. I notified cash out right away I tried calling XXXX As you requested If your account gets compromised I followed your protocol to notify you right away I also filed Several complaints But unfortunately I could never get an answer to any of my complaints I have listed every person I have been in Communication with in this complaint the name of all the cash app Support person along with the reference number. I even requested a callback because of the urgency of the situation the only thing I kept getting was a new person requesting the same information I even got a new Cash app support person that stated they were taken over for another cash app support person and ask me for the same information. I have been in communication with at least 7 different cash app support people and never received any information regarding my complaint I was told it would take up to 10 days to complete the investigation it's now been three weeks send a file my first complaint. I have listed some of the response I received in this complaint and as of XX/XX/XXXX I received another notice stating ( We closed your case because it's been more than 3 days since we've heard from you. ) I have submitted a substantial amount of information along with images, In still no response I still have all the information that clearly shows the account being compromised I even have information from XXXX XXXX XXXX showing my account being compromised, But haven't heard anything from cash app regarding my account being compromised. OLD ACCOUNT COMPROMISED XXXX ******NEW ACCOUNT XXXX Hello XXXX XXXX ****First Person***This is XXXX XXXX with Cash App Support, thank you for reaching us out. I'm sorry to hear that you're presenting issues with your previous account and you were hacked, I know how inconvenient it can be for you, I'm here to assist you with this. To begin our investigation, you'll need to provide complete answers to all of the following questions. We can not begin an investigation without all of the following information : What is your legal name and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? 2. What is the date/time and amounts for the transactions that you believe are in error and why do you believe they were unauthorized? 3. Were you instructed to download any other apps other than Cash App to access the account in question? 4. What is the make and model of the device ( s ) you were logged into when the transactions took place? 5. Which city & state were you located in when the unauthorized transactions took place? 6. Did you forward or provide any account access information to a third party? We will review your account as soon as we receive this information. Cash App Support does not have a phone number to call at this time. We will never ask you to provide your PIN, send a payment, add funds to your balance, make a purchase, or complete a " test '' transaction of any kind. We are waiting for you to resolve this as soon as possible, besides if you have additional questions, I'll be glad to answer all of them. Best Regards, XXXX XXXX. Cash App Support Team ref : XXXX : ref Cash App Compromised 1 ) XXXX XXXX, XXXX, XXXX 2 ) Date XX/XX/2020 around XXXX {$200.00}. On XX/XX/2020 XXXX deposited {$200.00} refund from XXXX, and then again on XX/XX/2020 XXXX deposited {$600.00} into my account ( XXXX ) the account that was hacked. 3 ) I was not instructed to download any other App 4 ) My XXXX 5 ) XXXX, Massachusetts XXXX 6 ) I didn't provide or forward any account information to a third party. I also had to filed a fraud report with my bank ( XXXX XXXX XXXX ) My Cash App was linked to. Can I at least get an Unity to speak to someone on the phone? XXXX XXXX Sent from XXXXXXXX XXXX for XXXX Hello XXXX, Second Person Thanks for reaching us! This is XXXX from the Cash App Support Team. I understand you are having problems with your old account and I know how important this is for you so I can definitely provide some clarity about this. We did not receive complete answers for each question. Without these answers, we can not file your claim. To begin our investigation, youll need to provide a complete answer to each of the following questions : 1. What is the make and model of the device ( s ) you were logged into when the transactions took place? If there is absolutely anything else I can do for you, I would love to assist you further, if not I hope you are having a good day. With gratitude, XXXX Cash App Support Team -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/2020, XXXXXXXX XXXX To : XXXX Subject : Re : Access Old Account [ ref : XXXX : ref ] Sent from XXXXXXXX XXXX for XXXX On Monday, XX/XX/2020, XXXXXXXX XXXX, XXXX XXXX XXXX wrote : Cash App Compromised 1 ) XXXX XXXX, XXXX XXXX XXXX 2 ) Date XX/XX/2020 around XXXX {$200.00}. On XX/XX/2020 XXXX deposited {$200.00} refund from XXXX, and then again on XX/XX/2020 XXXX deposited {$600.00} into my account ( XXXX ) the account that was hacked. 3 ) I was not instructed to download any other App 4 ) My XXXX 5 ) XXXX, Massachusetts XXXX 6 ) I didn't provide or forward any account information to a third party. I also had to filed a fraud report with my bank ( XXXX XXXXXXXX XXXX ) My Cash App was linked to. Can I at least get an Unity to speak to someone on the phone? XXXX XXXX Hello XXXX, Third Person same as first : This is XXXX XXXX with Cash App Support, thank you for reaching us out. I'm sorry to hear that you're presenting issues with your previous account and you were hacked, I know how inconvenient it can be for you, I'm here to assist you with this. To begin our investigation, you'll need to provide complete answers to all of the following questions. We can not begin an investigation without all of the following information : What is your legal name and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? 2. What is the date/time and amounts for the transactions that you believe are in error and why do you believe they were unauthorized? 3. Were you instructed to download any other apps other than Cash App to access the account in question? 4. What is the make and model of the device ( s ) you were logged into when the transactions took place? 5. Which city & state were you located in when the unauthorized transactions took place? 6. Did you forward or provide any account access information to a third party? We will review your account as soon as we receive this information. Cash App Support does not have a phone number to call at this time. We will never ask you to provide your PIN, send a payment, add funds to your balance, make a purchase, or complete a " test '' transaction of any kind. We are waiting for you to resolve this as soon as possible, besides if you have additional questions, I'll be glad to answer all of them. Best Regards, XXXX XXXX. Cash App Support Team ref : XXXX : ref SECOND TIME SENDING INFORMATION. THIS IS WHY I KEEP REQUESTING TO SPEAK WITH SOMEONE. Cash App Compromised 1 ) XXXX XXXX, XXXX, XXXX 2 ) Date XX/XX/2020 around XXXX {$200.00}. On XX/XX/2020 XXXX deposited {$200.00} refund from XXXX, and then again on XX/XX/2020 XXXX deposited {$600.00} into my account ( XXXX ) the account that was hacked. 3 ) I was not instructed to download any other App 4 ) My XXXX 5 ) XXXX, Massachusetts XXXX 6 ) I didn't provide or forward any account information to a third party. I also had to filed a fraud report with my bank ( XXXX XXXX XXXX ) My Cash App was linked to. XXXX XXXX More information to verify money was sent to my account, The wrong account ( XXXX ) the one that was hacked, and who sent it. should have went to new account ID : ( XXXX ) You were refunded for all your spots {$600.00} on Saturday and {$200.00} The week Prior total from XXXX as well we have screenshots of both Hi XXXX, Fourth Person This is XXXX, from Cash App Support, thank you for reaching out. I understand you have some concerns so let me check and explain to you what is going on. If you would like to speak to Cash App Support over the phone, create a new case and choose the Phone '' under How should we contact you?. Don't see this option? Depending on volume and wait times, phone support is not always available. If you can't access this feature, we are always available to support you over email. Cash App does not have a phone number that you can call directly, and no one representing Cash App will ever ask for your sign-in code over the phone, on social media, or through any other medium. If there's anything else I can do for you please let me know, I would love to assist you further. I'm always one email away! Warm Regards, XXXX Cash App Support ref : XXXX : ref I have tried Several times for the past week and it never gives me that option but I believe its very important that I speak to a Cash App representative. I have done the email several times as well, but Im not getting anywhere, and I continue to be the victim of fraud. So what orchestrates a MUST. XXXX XXXX XXXX XXXX, Fifth Person Thanks for reaching out to Cash App Support, my name is XXXX. I see you've been communicating with XXXX, Ill be taking over from here. I understand how important it is for you to receive help with the fraud issue. I've taken a closer look and would like to shed some light on the situation. Please keep in mind that depending on volume and wait times, phone support is not always available. If you want we can help you over the email. In order for me to look further into this case, Ill need you to please provide the following information : - Senders phone number or email address - Recipients phone number or email address - $ Cash tag or $ Cash tags involved - Exact amount of the payment - Date of the payment - Issue Once I receive this information, Ill be able to investigate further. Thanks for all your help, I'll keep out for your response, I'm here to help! Best regards, XXXX XXXX Cash App Support Hi XXXX, Six Person XXXX here with Cash App Support Team. We understand how inconvenient this situation can be about your Cash App balance concern, but rest assured we are here to help you out. Let me shed some light on your concern to have it solve. In order for me to look further into this case, Ill need you to please provide the following information : - Senders phone number or email address - Recipients phone number or email address - $ Cashtag or $ Cashtags involved - Exact amount of the payment - Date of the payment Once I receive this information, Ill be able to investigate further. If you have any additional questions or issues please don't hesitate to reach out ; we're always happy to help. Best Regards XXXX XXXX Cash App Support ref : XXXX : ref Hi XXXX, THIS IS ALL I EVER RECEIVE!!!! We closed your case because it's been more than 3 days since we've heard from you. Please reach out if you still have questions. Here 's how : 1. Tap the profile icon on your Cash App home screen 2. Tap Support 3. Tap Something Else 4. Navigate to the category that best fits the issue 5. Tap Contact Support For reference, your case # is : XXXX Thank you, Cash App Support ref : XXXX : ref Hello XXXX, Seventh Person This is XXXX from Cash App Support. Thank you for reaching out to us and letting me know that you're having trouble with your Cash App account and a suspicious activity in your account. I understand how inconvenient that situation could be and I appreciate the time you took to bring this to our attention, Ill definitely work on this right now. Im assigning your case to a specialist to begin the investigation. Investigations can take up to 10 business days to complete, depending on the information you provided. Cash App Support does not have a phone number to call at this time, but you can request a callback from our support team through your Cash App when the option is available. We will never ask you to provide your PIN, send a payment, make a purchase, or complete a " test '' transaction of any kind. In the meantime, if you have any questions or concerns, please feel free to reach back out. Best regards, XXXX Cash App Support ref : XXXX : ref Unauthorized Transactions. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or you believe a transaction has been made without your permission using information from your Card, your PIN, or Card Account, or you could lose all the money in your Card Account. Contact Customer Service immediately at the number or address provided below to keep possible losses to a minimum. Contacting Square by telephone at XXXX is the best way to minimize possible losses. Can not reach live Cash App support through this number. XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX or XXXX filed Complaints on both emails Thank You. Desired Outcome/Settlement Desired Settlement : Refund To be contacted by phone, not email or mail to discuss and resolve my complaint. Wednesday, XX/XX/2020 Complaint : XXXX I am rejecting this response because : I appreciate cash app responding, but its not what I asked for. I asked to receive a phone call, because I have received several emails from 7 different cash app support team people saying the exact same thing asking for the exact same information but never responding to the case itself. This went on for well over a month in response I receive said it should take 10 days to respond but because of coronavirus it may take a little longer. after a month I still havent heard I received a response to my complaint. This is the reason why I requested a phone call from cash app to speak to someone personally about my case. I was told by a cash app representative to request a call back there would be a place to request a call back when you file a complaint but that part of the complaint process was removed so I requested a callback with in my complaint but that also was ignored, all I was doing was following their policy in the number they provided if you account was hacked or compromised to reach them right away, and I try to contact them within hours of my account being compromised, and all I ever received was a recorded message. I called my bank that was also compromise because of Cash App and they had no problem dealing with the issue right away and stop any further damages. So if cash app can send me a phone number I can call besides the one with the recorded message to speak to someone in person to resolve this issue would be greatly appreciate it. Sincerely, XXXX XXXX Tuesday, XX/XX/2020 Thanks for reaching out and making us aware of this issue. Were sorry to hear about your experience. A member of our team is investigating your issue and will follow up with you shortly via email to help. Thanks, Square Monday, XX/XX/2020 Thanks for following up. It looks like we reached out to you via email in regards to this matter on XX/XX/2020. In reviewing that interaction, we can confirm we have provided the correct information for this issue, consistent with our Terms of Service. If you have any additional questions, please respond directly to that email. Thanks, Square Response : Complaint was about my account being compromised for {$800.00} not {$200.00}. I sent you all the proof and documentation showing that my account was compromised I had all the security protocols on my account, thats why I had to file a fraud report with XXXX XXXXXXXX XXXX as well. You stated you paid this {$200.00} as a courtesy credit, but my account was hacked for {$800.00} in the exact same transaction you saw the {$200.00} compromise, it wasn't two different transactions, it was the same transaction. Who did you pay because I can not find a {$200.00} transaction anywhere in my new cash app account ( XXXX ). Your policy said to contact cashapp right away at XXXX which I tried several times. before I had to contact cash app by emailing witch I did several times to try resolving this issue. This is part of the statement I received from cashapp On XX/XX/2020, your account associate with XXXX XXXX XXXX received a provisional credit of {$200.00}. Please note, we paid this credit as a courtesy. We may not make future credits available should you allow a similar event to occur on your new account. I have explained several times XXXX was hacked and closed so you couldnt have credit my account. my new account is XXXX ref : XXXX : ref XXXX XXXX XXXX Their response : Hi XXXX, We closed your case because it's been more than 3 days since we've heard from you. Please reach out if you still have questions. Here 's how : Tap the profile icon on your Cash App home screen Tap Support Tap Something Else Navigate to the category that best fits the issue Tap Contact Support For reference, your case # is : XXXX Thank you, Cash App Support ref : XXXX : ref Same Response i been recieving from day one XXXX XXXX XXXX XXXX	null	Square Inc	MA	018XX	null	Consent provided	Web	2021-02-03	Closed with explanation	Yes	null	4,080,143
2021-01-20	Debt collection	Other debt	Attempts to collect debt not owed	Debt was paid	null	null	HW Holding, Inc	CA	93101	null	Consent not provided	Web	2021-01-20	Closed with explanation	Yes	null	4,079,509
2021-01-19	Money transfer, virtual currency, or money service	Virtual currency	Fraud or scam	null	null	null	HUNTINGTON NATIONAL BANK, THE	OH	43469	null	Consent not provided	Web	2021-01-19	Closed with explanation	Yes	null	4,078,000
2021-01-20	Debt collection	Medical debt	Attempts to collect debt not owed	Debt was paid	null	null	Arcadia Holdings, LLC	PA	19103	null	Consent not provided	Web	2021-01-20	Closed with explanation	Yes	null	4,080,242
2021-01-20	Debt collection	Other debt	Attempts to collect debt not owed	Debt is not yours	null	null	ERC	SD	57103	null	Consent not provided	Web	2021-01-20	Closed with explanation	Yes	null	4,080,593
2021-01-20	Debt collection	Medical debt	Attempts to collect debt not owed	Debt was paid	null	null	WAKEFIELD & ASSOCIATES, INC.	CA	91010	null	Consent not provided	Web	2021-02-02	Closed with explanation	No	null	4,080,083
2021-01-20	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	null	null	EQUIFAX, INC.	TX	76112	null	Other	Web	2021-01-20	Closed with explanation	Yes	null	4,080,084
2021-01-20	Credit card or prepaid card	General-purpose credit card or charge card	Closing your account	Company closed your account	null	null	JPMORGAN CHASE & CO.	NC	27519	null	Consent not provided	Web	2021-01-20	Closed with explanation	Yes	null	4,079,689
2021-01-20	Payday loan, title loan, or personal loan	Installment loan	Struggling to pay your loan	null	null	null	OneMain Finance Corporation	KS	66061	null	Consent not provided	Web	2021-01-20	Closed with explanation	Yes	null	4,080,634
2021-01-21	Debt collection	Other debt	Attempts to collect debt not owed	Debt is not yours	null	null	CL Holdings LLC	MD	21202	null	Consent not provided	Web	2021-01-21	Closed with explanation	Yes	null	4,082,094
2021-01-20	Debt collection	Medical debt	Took or threatened to take negative or legal action	Threatened to sue you for very old debt	null	null	PlusFour, Inc	NV	89103	null	Consent not provided	Web	2021-02-03	Closed with explanation	Yes	null	4,080,281
2021-01-21	Debt collection	I do not know	Attempts to collect debt not owed	Debt is not yours	null	null	JPMORGAN CHASE & CO.	NC	27302	null	null	Phone	2021-02-04	Closed with non-monetary relief	Yes	null	4,082,193
2021-01-21	Debt collection	Credit card debt	Attempts to collect debt not owed	Debt was result of identity theft	null	null	EQUIFAX, INC.	FL	33025	null	Consent not provided	Web	2021-01-21	Closed with explanation	Yes	null	4,082,371
2021-01-21	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Account status incorrect	null	null	EQUIFAX, INC.	MD	21201	Servicemember	null	Phone	2021-01-22	Closed with explanation	Yes	null	4,082,146
2021-01-21	Mortgage	Conventional home mortgage	Struggling to pay mortgage	null	null	null	Fay Servicing, LLC	null	null	null	null	Phone	2021-01-21	Closed with explanation	Yes	null	4,082,576
2021-01-21	Debt collection	Medical debt	Attempts to collect debt not owed	Debt is not yours	null	null	AVANTE	FL	33612	null	Consent not provided	Web	2021-05-14	Closed with explanation	Yes	null	4,083,049
2021-01-21	Mortgage	Conventional home mortgage	Struggling to pay mortgage	null	null	null	HOMESTEAD FUNDING CORPORATION	FL	33559	null	null	Phone	2021-02-09	Closed with explanation	Yes	null	4,083,536
2021-01-21	Mortgage	Conventional home mortgage	Closing on a mortgage	null	null	null	WEBSTER BANK, NATIONAL ASSOCIATION	RI	02895	null	null	Referral	2021-02-02	Closed with explanation	Yes	null	4,113,226
2021-02-05	Mortgage	Other type of mortgage	Closing on a mortgage	null	null	null	Fay Servicing, LLC	OH	45215	null	null	Referral	2021-02-05	Closed with explanation	Yes	null	4,121,248
2021-02-05	Mortgage	Conventional home mortgage	Closing on a mortgage	null	null	null	SOUTHSTATE CORPORATION	FL	32686	null	Consent not provided	Web	2021-02-05	Closed with explanation	Yes	null	4,117,852
2021-02-05	Debt collection	Medical debt	Written notification about debt	Didn't receive enough information to verify debt	null	null	Nationwide Credit Corporation	null	null	null	null	Phone	2021-02-05	Closed with explanation	Yes	null	4,118,917
2021-02-05	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	AL	36925	null	Consent not provided	Web	2021-02-05	Closed with explanation	Yes	null	4,119,258
2021-02-05	Mortgage	FHA mortgage	Trouble during payment process	null	null	null	FIRST HORIZON BANK	DE	19805	null	null	Phone	2021-02-05	Closed with explanation	Yes	null	4,120,350
2021-02-07	Checking or savings account	Checking account	Managing an account	Problem using a debit or ATM card	null	null	JPMORGAN CHASE & CO.	IL	60659	null	null	Referral	2021-02-08	Closed with explanation	Yes	null	4,125,611
2021-06-26	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Account information incorrect	null	null	Conn's, Inc.	MS	38671	null	Consent not provided	Web	2021-06-26	Closed with explanation	Yes	null	4,496,324
2021-06-27	Debt collection	I do not know	Written notification about debt	Didn't receive enough information to verify debt	null	null	CL Holdings LLC	RI	02916	null	Consent not provided	Web	2021-06-27	Closed with non-monetary relief	Yes	null	4,496,072
2021-06-27	Credit reporting, credit repair services, or other personal consumer reports	Credit reporting	Incorrect information on your report	Information belongs to someone else	null	null	EQUIFAX, INC.	GA	30349	null	Consent not provided	Web	2021-06-27	Closed with explanation	Yes	null	4,494,619
2021-06-27	Debt collection	Medical debt	Attempts to collect debt not owed	Debt is not yours	null	null	Commonwealth Financial Systems, Inc.	OH	45011	null	Consent not provided	Web	2021-07-27	Closed with explanation	Yes	null	4,494,984
2021-06-28	Mortgage	FHA mortgage	Struggling to pay mortgage	null	null	null	CARRINGTON MORTGAGE SERVICES, LLC	MD	20784	Older American	Consent not provided	Web	2021-06-28	Closed with explanation	Yes	null	4,495,066
2021-06-28	Checking or savings account	Checking account	Managing an account	Fee problem	null	null	COMMERCE BANK	KS	66061	null	Consent not provided	Web	2021-06-28	Closed with non-monetary relief	Yes	null	4,495,036
2021-06-28	Mortgage	Other type of mortgage	Trouble during payment process	null	null	null	EQUITY RESOURCES, INCORPORATED	NC	28586	null	Consent not provided	Web	2021-06-28	Closed with explanation	Yes	null	4,497,845
2021-06-29	Debt collection	I do not know	Attempts to collect debt not owed	Debt is not yours	null	null	ERC	CA	93309	null	Consent not provided	Web	2021-06-29	Closed with explanation	Yes	null	4,502,527

2020-12-17

Debt collection

Medical debt

Written notification about debt

Didn't receive notice of right to dispute

null

Armada Corp.

NV

89141

null

Consent not provided

Web

2020-12-18

Closed with explanation

Yes

null

4,018,601

2020-12-17

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was result of identity theft

null

CHS, Inc.

VA

23223

null

Consent not provided

Web

2020-12-17

Closed with explanation

Yes

null

4,017,762

2020-12-18

Mortgage

FHA mortgage

Trouble during payment process

null

CARRINGTON MORTGAGE SERVICES, LLC

WA

98933

null

Consent not provided

Web

2020-12-18

Closed with explanation

Yes

null

4,020,298

2020-12-21

Credit card or prepaid card

Government benefit card

Unexpected or other fees

null

Conduent Incorporated

null

Phone

2020-12-21

Closed with explanation

Yes

null

4,025,070

2020-12-26

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

null

Monarch Recovery Holdings, Inc.

RI

02860

null

Consent not provided

Web

2021-01-12

Closed with explanation

Yes

null

4,031,576

2020-12-28

Money transfer, virtual currency, or money service

Domestic (US) money transfer

Other transaction problem

null

Paypal Holdings, Inc

NC

27410

null

Consent not provided

Web

2020-12-28

Closed with explanation

Yes

null

4,033,750

2020-12-28

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was paid

null

DISCOVER BANK

NY

11212

null

Consent not provided

Web

2020-12-28

Closed with explanation

Yes

null

4,034,977

2020-12-28

Mortgage

VA mortgage

Trouble during payment process

null

Gotmortgage.com

GA

30047

Servicemember

Consent not provided

Web

2021-01-12

Closed with monetary relief

Yes

null

4,035,484

2020-12-29

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

null

CAPITAL ONE FINANCIAL CORPORATION

NY

13601

null

Phone

2020-12-31

Closed with explanation

Yes

null

4,036,995

2020-12-30

Mortgage

FHA mortgage

Struggling to pay mortgage

null

PENNYMAC LOAN SERVICES, LLC.

UT

84501

null

Other

Web

2020-12-30

Closed with explanation

Yes

null

4,039,006

2020-12-30

Mortgage

FHA mortgage

Trouble during payment process

null

PENNYMAC LOAN SERVICES, LLC.

VA

20169

null

Consent not provided

Web

2020-12-30

Closed with explanation

Yes

null

4,039,895

2020-12-31

Vehicle loan or lease

Lease

Struggling to pay your loan

Denied request to lower payments

null

FORD MOTOR CREDIT CO.

CA

95361

null

Consent not provided

Web

2020-12-31

Closed with non-monetary relief

Yes

null

4,040,272

2020-12-30

Money transfer, virtual currency, or money service

Domestic (US) money transfer

Fraud or scam

null

Paypal Holdings, Inc

MA

02155

null

Consent not provided

Web

2020-12-30

Closed with explanation

Yes

null

4,039,029

2020-12-30

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

null

ACI Worldwide, Corp.

FL

33409

null

Consent not provided

Web

2020-12-30

Closed with explanation

Yes

null

4,039,568

2020-12-30

Mortgage

Conventional home mortgage

Trouble during payment process

null

HUNTINGTON NATIONAL BANK, THE

MI

48312

null

Referral

2021-01-04

Closed with explanation

Yes

null

4,046,999

2021-01-01

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

null

Bread Financial Holdings, Inc.

MA

02302

null

Consent not provided

Web

2021-01-04

Closed with non-monetary relief

Yes

null

4,042,034

2020-12-31

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

null

Revco Management, LLC

NJ

08879

null

Other

Web

2020-12-31

Closed with non-monetary relief

Yes

null

4,041,358

2021-01-03

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

null

PORTFOLIO RECOVERY ASSOCIATES INC

MA

02301

null

Consent not provided

Web

2021-01-03

Closed with non-monetary relief

Yes

null

4,044,748

2021-01-05

Checking or savings account

Checking account

Closing an account

Fees charged for closing account

null

HUNTINGTON NATIONAL BANK, THE

OH

43334

null

Referral

2021-01-22

Closed with explanation

Yes

null

4,048,279

2021-01-05

Money transfer, virtual currency, or money service

Mobile or digital wallet

Managing, opening, or closing your mobile wallet account

null

Square Inc

GA

31071

null

Phone

2021-01-05

Closed with explanation

Yes

null

4,049,483

2021-01-05

Mortgage

Conventional home mortgage

Trouble during payment process

null

Original issue starting XX/XX/XXXX ( file of interactions attached ) : I have been a mortgage holder with Citizens Bank ( aka CitizensOne ) for 3 homes, multiple mortgages, and 10+ years. Upon refinancing my existing 3+ year old loan with Citizens in XX/XX/XXXX everything seemed be in fair order and payments have been applied on time throughout. However, after closer examination in XXXX I noticed my escrow balance was unusually high. Upon further investigation I noticed Citizens DID NOT pay out my school property tax as scheduled in XXXX. The repercussion of not paying then is a loss of a 2 % discount fee. I started contacting Citizens on XX/XX/XXXX explaining that if this went unpaid past XX/XX/XXXX it would be an additional 10 % penalty. I have had 18 interactions involving mostly Citizens ( 12 ), local taxing authority, school district, and attorney 's offices confirming this is an issue with Citizens and it should be paid. I'm now receiving delinquency letters from the taxing authority that if not paid by XX/XX/XXXX I am in default. This could result in a lien on my home. This entire situation has been entirely unacceptable as my escrow is fully funded and has paid this tax year-over-year in XXXX successfully. I am seeking immediate payment of my property tax for which only the discount fee which would have been charged in XXXX is billed from my escrow, and any remainder due paid on behalf of the bank as it is their error. I will then not only be removing any and all business from the bank, but encouraging others to do so as well unless this is resolved with a highly satisfactory and timely result. Update as of XXXX : Confirmed property tax now paid and penalty portion paid by Citizens, but not until after 42 interactions and over 40 hours of my time consumed over the past 2-months to resolve. New issue as of XXXX : Upon confirmation of payment of my taxes I logged into my account both on mobile and web after noticing my XXXX payment had not been deducted from my bank account as scheduled in auto draft. Both the web and mobile interfaces showed my account as " past due '' with no record of auto draft in place. Thus, I paid the XXXX payment directly through mobile app. As of XXXX, when I log in it's now showing me as having auto draft payment and two payments processed with a next payment due XXXX and auto draft XXXX. I do not wish to have two mortgage payments paid. The customer service line does not give option to speak with a representative and the earliest call back available in the auto prompt is nearly a week away from today on Monday, XX/XX/XXXX. I have escalated with the contact person I worked with on the tax issue in the " Office of the Chairman '' XXXX XXXX. I called her first yesterday, XXXX with no response. After multiple tries today I got a hold of her and she said she would look into it. The mortgage servicing experience has been dreadful with Citizens and I hope it is rectified for future customers.

null

CITIZENS FINANCIAL GROUP, INC.

PA

XXXXX

null

Consent provided

Web

2021-01-05

Closed with explanation

Yes

null

4,048,187

2021-01-06

Checking or savings account

Checking account

Managing an account

Problem accessing account

null

CITIZENS FINANCIAL GROUP, INC.

MI

48180

null

Phone

2021-01-21

Closed with explanation

Yes

null

4,050,948

2021-01-06

Checking or savings account

Checking account

Managing an account

Fee problem

null

BANK OF THE WEST

CA

95035

null

Referral

2021-01-07

Closed with explanation

Yes

null

4,055,147

2021-01-06

Mortgage

Conventional home mortgage

Struggling to pay mortgage

null

Home Point Financial Corporation

NY

10952

null

Other

Web

2021-01-06

Closed with explanation

Yes

null

4,052,135

2021-01-07

Student loan

Federal student loan servicing

Struggling to repay your loan

Can't get other flexible options for repaying your loan

null

Navient Solutions, LLC.

SC

29560

Servicemember

null

Phone

2021-01-07

Closed with explanation

Yes

null

4,053,792

2021-01-07

Money transfer, virtual currency, or money service

Virtual currency

Unexpected or other fees

null

Coinbase, Inc.

NY

11364

null

Consent not provided

Web

2021-01-08

Closed with monetary relief

Yes

null

4,054,872

2021-01-08

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

null

ERC

TX

77433

null

Consent not provided

Web

2021-01-08

Closed with explanation

Yes

null

4,056,902

2021-01-08

Debt collection

Federal student loan debt

Attempts to collect debt not owed

Debt was paid

null

TRANSWORLD SYSTEMS INC

GA

30101

null

Consent not provided

Web

2021-01-08

Closed with explanation

Yes

null

4,056,590

2021-01-08

Payday loan, title loan, or personal loan

Payday loan

Can't contact lender or servicer

null

WLCC

FL

33012

null

Phone

2021-01-08

Closed with explanation

Yes

null

4,057,028

2021-01-11

Mortgage

FHA mortgage

Struggling to pay mortgage

null

Mr. Cooper Group Inc.

TX

75052

null

Consent not provided

Web

2021-01-25

Closed with explanation

Yes

null

4,059,349

2021-01-11

Vehicle loan or lease

Loan

Managing the loan or lease

Billing problem

null

PRESTIGE FINANCIAL SERVICES INC

GA

30302

null

Consent not provided

Web

2021-01-11

Closed with explanation

Yes

null

4,059,918

2021-01-11

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

null

TRANSWORLD SYSTEMS INC

TX

79705

null

Consent not provided

Web

2021-01-11

Closed with explanation

Yes

null

4,060,628

2021-01-11

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

null

The Bureaus, Inc.

WI

53714

null

Consent not provided

Web

2021-01-11

Closed with explanation

Yes

null

4,059,414

2021-01-10

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

null

EQUIFAX, INC.

MD

20705

null

Consent not provided

Web

2021-01-10

Closed with explanation

Yes

null

4,059,644

2021-01-11

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

null

CURO Intermediate Holdings

TX

78596

null

Consent not provided

Web

2021-01-27

Closed with explanation

Yes

null

4,059,386

2021-01-11

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

null

Bread Financial Holdings, Inc.

MA

02343

null

Consent not provided

Web

2021-01-21

Closed with explanation

Yes

null

4,061,874

2021-01-11

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

null

Alco Collections, Inc.

null

Phone

2021-01-11

Closed with explanation

Yes

null

4,061,646

2021-01-11

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

null

Nelnet, Inc.

MI

48602

null

Consent not provided

Web

2021-01-27

Closed with explanation

Yes

null

4,059,994

2021-01-12

Mortgage

FHA mortgage

Trouble during payment process

null

LD Holdings Group, LLC

TN

37211

Older American

Consent not provided

Web

2021-01-27

Closed with explanation

Yes

null

4,063,954

2021-01-12

Mortgage

Conventional home mortgage

Trouble during payment process

null

United Shore Financial Services, LLC

WA

98110

null

Consent not provided

Web

2021-01-12

Closed with explanation

Yes

null

4,063,740

2021-01-12

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

null

NCB Management Services Inc.

TX

78416

null

Consent not provided

Web

2021-01-12

Closed with explanation

Yes

null

4,063,844

2021-01-12

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

null

Navient Solutions, LLC.

TX

77044

null

Consent not provided

Web

2021-01-12

Closed with explanation

Yes

null

4,063,908

2021-01-13

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

null

TD BANK US HOLDING COMPANY

FL

33056

null

Consent not provided

Web

2021-01-13

Closed with explanation

Yes

null

4,064,938

2021-01-13

Debt collection

I do not know

Attempts to collect debt not owed

Debt was result of identity theft

null

Bread Financial Holdings, Inc.

TX

75235

null

Consent not provided

Web

2021-01-13

Closed with explanation

Yes

null

4,064,632

2021-01-13

Debt collection

Credit card debt

Written notification about debt

Didn't receive notice of right to dispute

null

JPMORGAN CHASE & CO.

MD

20601

Older American

Consent not provided

Web

2021-01-28

Closed with explanation

Yes

null

4,067,635

2021-01-12

Checking or savings account

Checking account

Managing an account

Problem accessing account

null

Chime Financial Inc

KS

67042

null

Referral

2021-01-13

Closed with explanation

Yes

null

4,067,281

2021-01-13

Debt collection

Payday loan debt

Attempts to collect debt not owed

Debt was result of identity theft

null

Company can't verify or dispute the facts in the complaint

BlueChip Financial

NJ

08742

null

Consent not provided

Web

2021-01-13

Closed with explanation

Yes

null

4,067,678

2021-01-13

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

null

HSBC NORTH AMERICA HOLDINGS INC.

FL

33319

null

Phone

2021-01-13

Closed with explanation

Yes

null

4,065,607

2021-01-14

Debt collection

Other debt

Attempts to collect debt not owed

Debt was already discharged in bankruptcy and is no longer owed

null

National Credit Systems,Inc.

TX

76148

null

Consent not provided

Web

2021-01-14

Closed with explanation

Yes

null

4,067,954

2021-01-14

Mortgage

Conventional home mortgage

Trouble during payment process

null

Mr. Cooper Group Inc.

CA

91302

null

Consent not provided

Web

2021-02-01

Closed with explanation

Yes

null

4,068,132

2021-01-14

Checking or savings account

Checking account

Closing an account

Company closed your account

null

HSBC NORTH AMERICA HOLDINGS INC.

TN

37209

null

Referral

2021-02-01

Closed with explanation

Yes

null

4,068,667

2021-01-14

Vehicle loan or lease

Loan

Managing the loan or lease

Loan sold or transferred to another company

null

Comerica

NJ

07747

null

Referral

2021-02-01

Closed with explanation

Yes

null

4,070,395

2021-01-15

Money transfer, virtual currency, or money service

Mobile or digital wallet

Fraud or scam

null

Square Inc

CA

94553

null

Consent not provided

Web

2021-01-15

Closed with explanation

Yes

null

4,070,916

2021-01-15

Mortgage

VA mortgage

Struggling to pay mortgage

null

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

WELLS FARGO & COMPANY

ND

58201

Servicemember

Consent withdrawn

Web

2021-01-15

Closed with explanation

Yes

null

4,070,786

2021-01-15

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

Credit reporting

Incorrect information on your report

Account information incorrect

null

EQUIFAX, INC.

TN

38134

null

Consent not provided

Web

2021-01-15

Closed with explanation

Yes

null

4,071,246

2021-01-15

Mortgage

VA mortgage

Trouble during payment process

null

PLANET HOME LENDING, LLC

TX

79015

Servicemember

Consent not provided

Web

2021-01-15

Closed with explanation

Yes

null

4,072,369

2021-01-16

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

PA

18360

null

Consent not provided

Web

2021-01-16

Closed with explanation

Yes

null

4,072,546

2021-01-16

Mortgage

Conventional home mortgage

Closing on a mortgage

null

Ocwen Financial Corporation

TX

78612

null

Consent not provided

Web

2021-01-16

Closed with explanation

Yes

null

4,072,673

2021-01-17

Checking or savings account

Checking account

Opening an account

Didn't receive terms that were advertised

null

Social Finance, Inc.

CA

92056

null

Consent not provided

Web

2021-01-17

Closed with explanation

Yes

null

4,074,118

2021-01-16

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

null

Elevate Recoveries, LLC

FL

32901

null

Consent not provided

Web

2021-01-16

Closed with explanation

Yes

null

4,073,877

2021-01-18

Vehicle loan or lease

Loan

Problems at the end of the loan or lease

Problem with paying off the loan

null

CarMax, Inc.

OH

43004

null

Consent not provided

Web

2021-01-18

Closed with monetary relief

Yes

null

4,075,370

2021-01-18

Debt collection

I do not know

Communication tactics

Frequent or repeated calls

null

Kriya Capital, LLC

OH

44231

null

Consent withdrawn

Web

2021-01-18

Closed with explanation

Yes

null

4,075,634

2021-01-18

Checking or savings account

Checking account

Closing an account

Funds not received from closed account

Re : OCC Case # XXXX -JP Morgan Chase Bank , XXXX XXXX XXXX XXXX XXXX : I write you in further response to the OCCs response letter, dated XX/XX/XXXX ( OCCs XX/XX/XXXX letter ). I attach the letter for your convenience. I write with complete and total frustration. For over 6 months, Chase Bank has taken XXXX of my money out of my accounts and refuses to communicate anything from me. It is as if the Bank has exercised its largess, closed my accounts, stole my money, told lies to you and the OCC, the one government assistance program that can possibly help me, and told its employees to no longer communicate with me. In the OCCs XX/XX/XXXX letter, the OCC advises that the Banks Deposit Account Agreement ( DDA ) allows them to their close an account for any reason, at any time, and without prior notice. I do not dispute this point. It is not the relevant point to this complaint. The issue is that the Bank removed XXXX in XX/XX/XXXX from my accounts without justification and denying me access and information regarding that money. XXXX from my business checking account XXXX and XXXX from my personal checking account XXXX. Most egregiously, in responding to the XXXX XXXX XXXX the Bank provided false information in addressing my complaint. For one, the Bank stated to the OCC the [ I ] withdrew XXXX XXXX XXXXXX/XX/XXXX, at their branch. See XX/XX/XXXX OCC letter. This is a false statement. As of XX/XX/XXXX, my access to my accounts had been restricted by the Bank. See XX/XX/XXXX Chase letter. In fact, the Bank was the only entity who could withdraw funds from my account after XX/XX/XXXX, and they did. Second, the Bank advised the OCC that all [ of my ] remaining funds will be held in suspense and issued once [ the Bank ] completes their internal investigation. This is a false statement. I was personally advised by the Banks Global Security group on XX/XX/XXXX, that the Banks internal investigation had been closed. This was again confirmed on XX/XX/XXXX in person when a Chase bank employee reiterated this to me after communicating with their back office. Additionally, in a letter from Chase corporate office dated XXXX XXXX, they state You must resolve this matter directly with them [ XXXX XXXX ]. Which is exactly what I did and I have confirmation from XXXX XXXX XXXX Officer, XXXX XXXX, that proves this. Along with a letter from the FDIC that confirms this fact as well. The loan in question was paid in full with interest as of XX/XX/XXXX. I am stuck and have no where else to turn to get the Bank to take my concerns seriously. The Bank has stolen my money -- XXXX It has been almost 6 months. The Bank has refused any further communication with me since XX/XX/XXXX. Indeed, the Bank has told its officers and employees to no longer communicate with me or provide me any further information or documents. I was able to photograph a monitor at Chase branch with those instructions from its corporate headquarters and I have this saved for my records. I made a good faith effort since day 1 to resolve this issue. I have spoke with 3-4 different Chase Bankers seeking assistance. I have called into Asset recovery, Global Security, Loss Prevention over 20 times each during the course of XXXX thru XX/XX/XXXX. I left voicemails on multiple occasions for XXXX at Global Security, XXXX at Corporate, XXXX XXXX at Global Security and have received no response. A portion of my money was sent to me in form of a cashier 's check that was issued to me by Chase XX/XX/XXXX and expedited via XXXX.XXXX from Corporate left me multiple voicemails regarding this and I have those voice mails saved. This cashier check was deposited into my business account at another Bank. Chase bank put a stop payment on the cashiers check due to fraud and caused over 2 days loss of business while my new bank sorted it out. When I notified XXXX of the issue, he said he would escalate it and get back to me which he never did. Where is my money? More importantly, they need to give me my money back now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am financially suffering because of the pandemic and these funds are sorely needed.

null

JPMORGAN CHASE & CO.

FL

33071

null

Consent provided

Web

2021-01-18

Closed with explanation

Yes

null

4,075,388

2021-01-18

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

null

HW Holding, Inc

CA

90505

null

Other

Web

2021-01-18

Closed with explanation

Yes

null

4,075,482

2021-01-19

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX RE : Account # XXXX {$230.00} To Whom It May Concern : This account already been disputed and removed by XXXX XXXX XXXX XXXX XXXX so this information is inaccurate and must be removed, I copy of a previous responce will be attached to this complaint. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail.

null

Kriya Capital, LLC

GA

30045

null

Consent provided

Web

2021-01-19

Closed with non-monetary relief

Yes

null

4,076,339

2021-01-19

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

GA

30318

null

Consent not provided

Web

2021-01-19

Closed with explanation

Yes

null

4,078,450

2021-01-19

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

null

CAVALRY INVESTMENTS, LLC

MA

02301

null

Consent not provided

Web

2021-02-03

Closed with explanation

Yes

null

4,078,185

2021-01-19

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

Credit reporting

Incorrect information on your report

Account information incorrect

null

EQUIFAX, INC.

FL

33169

null

Consent not provided

Web

2021-01-19

Closed with explanation

Yes

null

4,078,662

2021-01-20

Money transfer, virtual currency, or money service

Domestic (US) money transfer

Other transaction problem

null

I was advised by the XXXX XXXX XXXX to reach out to this department Consumers Finance Protection Bureau for further assistance with my case XXXX Complaint ID # XXXX Complaint Filed : XX/XX/2020 Consumer Information Name : Mr. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, MA XXXX Daytime Phone : ( XXXX ) XXXX Evening Phone : ( XXXX ) XXXX Fax : None Provided Email : XXXX Business Information Business Name : Cash App Address : XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Nature of Complaint : Customer Service Issues Date Problem Occured : XX/XX/2020 XXXX XXXX Date ( s ) Complained : XX/XX/2020 XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XX/XX/2020 XXXX XXXX Purchase Date : XX/XX/2020 XXXXXXXX XXXX Salesperson : None Provided Complaint Details ( cont. ) Product/Service : Cashapp Compromised Model # : XXXX Account # : None Provided Order # : None Provided Purchase Price : XXXX Payment : In Full Cash Disputed Amount : XXXX Communication / Message History Complaint Details From : XXXX XXXX To : Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subj : Account compromised Date : XX/XX/2020 To whom it may concern My name is XXXX XXXX I have been reaching out to cash app Since XXXX the XXXX 2020 my account was compromised, and {$800.00} was taken out of my account. I notified cash out right away I tried calling XXXX As you requested If your account gets compromised I followed your protocol to notify you right away I also filed Several complaints But unfortunately I could never get an answer to any of my complaints I have listed every person I have been in Communication with in this complaint the name of all the cash app Support person along with the reference number. I even requested a callback because of the urgency of the situation the only thing I kept getting was a new person requesting the same information I even got a new Cash app support person that stated they were taken over for another cash app support person and ask me for the same information. I have been in communication with at least 7 different cash app support people and never received any information regarding my complaint I was told it would take up to 10 days to complete the investigation it's now been three weeks send a file my first complaint. I have listed some of the response I received in this complaint and as of XX/XX/XXXX I received another notice stating ( We closed your case because it's been more than 3 days since we've heard from you. ) I have submitted a substantial amount of information along with images, In still no response I still have all the information that clearly shows the account being compromised I even have information from XXXX XXXX XXXX showing my account being compromised, But haven't heard anything from cash app regarding my account being compromised. OLD ACCOUNT COMPROMISED XXXX ********NEW ACCOUNT XXXX Hello XXXX XXXX ********First Person*****This is XXXX XXXX with Cash App Support, thank you for reaching us out. I'm sorry to hear that you're presenting issues with your previous account and you were hacked, I know how inconvenient it can be for you, I'm here to assist you with this. To begin our investigation, you'll need to provide complete answers to all of the following questions. We can not begin an investigation without all of the following information : What is your legal name and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? 2. What is the date/time and amounts for the transactions that you believe are in error and why do you believe they were unauthorized? 3. Were you instructed to download any other apps other than Cash App to access the account in question? 4. What is the make and model of the device ( s ) you were logged into when the transactions took place? 5. Which city & state were you located in when the unauthorized transactions took place? 6. Did you forward or provide any account access information to a third party? We will review your account as soon as we receive this information. Cash App Support does not have a phone number to call at this time. We will never ask you to provide your PIN, send a payment, add funds to your balance, make a purchase, or complete a " test '' transaction of any kind. We are waiting for you to resolve this as soon as possible, besides if you have additional questions, I'll be glad to answer all of them. Best Regards, XXXX XXXX. Cash App Support Team ref : XXXX : ref Cash App Compromised 1 ) XXXX XXXX, XXXX, XXXX 2 ) Date XX/XX/2020 around XXXX {$200.00}. On XX/XX/2020 XXXX deposited {$200.00} refund from XXXX, and then again on XX/XX/2020 XXXX deposited {$600.00} into my account ( XXXX ) the account that was hacked. 3 ) I was not instructed to download any other App 4 ) My XXXX 5 ) XXXX, Massachusetts XXXX 6 ) I didn't provide or forward any account information to a third party. I also had to filed a fraud report with my bank ( XXXX XXXX XXXX ) My Cash App was linked to. Can I at least get an Unity to speak to someone on the phone? XXXX XXXX Sent from XXXXXXXX XXXX for XXXX Hello XXXX, Second Person Thanks for reaching us! This is XXXX from the Cash App Support Team. I understand you are having problems with your old account and I know how important this is for you so I can definitely provide some clarity about this. We did not receive complete answers for each question. Without these answers, we can not file your claim. To begin our investigation, youll need to provide a complete answer to each of the following questions : 1. What is the make and model of the device ( s ) you were logged into when the transactions took place? If there is absolutely anything else I can do for you, I would love to assist you further, if not I hope you are having a good day. With gratitude, XXXX Cash App Support Team -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/2020, XXXXXXXX XXXX To : XXXX Subject : Re : Access Old Account [ ref : XXXX : ref ] Sent from XXXXXXXX XXXX for XXXX On Monday, XX/XX/2020, XXXXXXXX XXXX, XXXX XXXX XXXX wrote : Cash App Compromised 1 ) XXXX XXXX, XXXX XXXX XXXX 2 ) Date XX/XX/2020 around XXXX {$200.00}. On XX/XX/2020 XXXX deposited {$200.00} refund from XXXX, and then again on XX/XX/2020 XXXX deposited {$600.00} into my account ( XXXX ) the account that was hacked. 3 ) I was not instructed to download any other App 4 ) My XXXX 5 ) XXXX, Massachusetts XXXX 6 ) I didn't provide or forward any account information to a third party. I also had to filed a fraud report with my bank ( XXXX XXXXXXXX XXXX ) My Cash App was linked to. Can I at least get an Unity to speak to someone on the phone? XXXX XXXX Hello XXXX, Third Person same as first : This is XXXX XXXX with Cash App Support, thank you for reaching us out. I'm sorry to hear that you're presenting issues with your previous account and you were hacked, I know how inconvenient it can be for you, I'm here to assist you with this. To begin our investigation, you'll need to provide complete answers to all of the following questions. We can not begin an investigation without all of the following information : What is your legal name and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? 2. What is the date/time and amounts for the transactions that you believe are in error and why do you believe they were unauthorized? 3. Were you instructed to download any other apps other than Cash App to access the account in question? 4. What is the make and model of the device ( s ) you were logged into when the transactions took place? 5. Which city & state were you located in when the unauthorized transactions took place? 6. Did you forward or provide any account access information to a third party? We will review your account as soon as we receive this information. Cash App Support does not have a phone number to call at this time. We will never ask you to provide your PIN, send a payment, add funds to your balance, make a purchase, or complete a " test '' transaction of any kind. We are waiting for you to resolve this as soon as possible, besides if you have additional questions, I'll be glad to answer all of them. Best Regards, XXXX XXXX. Cash App Support Team ref : XXXX : ref SECOND TIME SENDING INFORMATION. THIS IS WHY I KEEP REQUESTING TO SPEAK WITH SOMEONE. Cash App Compromised 1 ) XXXX XXXX, XXXX, XXXX 2 ) Date XX/XX/2020 around XXXX {$200.00}. On XX/XX/2020 XXXX deposited {$200.00} refund from XXXX, and then again on XX/XX/2020 XXXX deposited {$600.00} into my account ( XXXX ) the account that was hacked. 3 ) I was not instructed to download any other App 4 ) My XXXX 5 ) XXXX, Massachusetts XXXX 6 ) I didn't provide or forward any account information to a third party. I also had to filed a fraud report with my bank ( XXXX XXXX XXXX ) My Cash App was linked to. XXXX XXXX More information to verify money was sent to my account, The wrong account ( XXXX ) the one that was hacked, and who sent it. should have went to new account ID : ( XXXX ) You were refunded for all your spots {$600.00} on Saturday and {$200.00} The week Prior total from XXXX as well we have screenshots of both Hi XXXX, Fourth Person This is XXXX, from Cash App Support, thank you for reaching out. I understand you have some concerns so let me check and explain to you what is going on. If you would like to speak to Cash App Support over the phone, create a new case and choose the Phone '' under How should we contact you?. Don't see this option? Depending on volume and wait times, phone support is not always available. If you can't access this feature, we are always available to support you over email. Cash App does not have a phone number that you can call directly, and no one representing Cash App will ever ask for your sign-in code over the phone, on social media, or through any other medium. If there's anything else I can do for you please let me know, I would love to assist you further. I'm always one email away! Warm Regards, XXXX Cash App Support ref : XXXX : ref I have tried Several times for the past week and it never gives me that option but I believe its very important that I speak to a Cash App representative. I have done the email several times as well, but Im not getting anywhere, and I continue to be the victim of fraud. So what orchestrates a MUST. XXXX XXXX XXXX XXXX, Fifth Person Thanks for reaching out to Cash App Support, my name is XXXX. I see you've been communicating with XXXX, Ill be taking over from here. I understand how important it is for you to receive help with the fraud issue. I've taken a closer look and would like to shed some light on the situation. Please keep in mind that depending on volume and wait times, phone support is not always available. If you want we can help you over the email. In order for me to look further into this case, Ill need you to please provide the following information : - Senders phone number or email address - Recipients phone number or email address - $ Cash tag or $ Cash tags involved - Exact amount of the payment - Date of the payment - Issue Once I receive this information, Ill be able to investigate further. Thanks for all your help, I'll keep out for your response, I'm here to help! Best regards, XXXX XXXX Cash App Support Hi XXXX, Six Person XXXX here with Cash App Support Team. We understand how inconvenient this situation can be about your Cash App balance concern, but rest assured we are here to help you out. Let me shed some light on your concern to have it solve. In order for me to look further into this case, Ill need you to please provide the following information : - Senders phone number or email address - Recipients phone number or email address - $ Cashtag or $ Cashtags involved - Exact amount of the payment - Date of the payment Once I receive this information, Ill be able to investigate further. If you have any additional questions or issues please don't hesitate to reach out ; we're always happy to help. Best Regards XXXX XXXX Cash App Support ref : XXXX : ref Hi XXXX, THIS IS ALL I EVER RECEIVE!!!! We closed your case because it's been more than 3 days since we've heard from you. Please reach out if you still have questions. Here 's how : 1. Tap the profile icon on your Cash App home screen 2. Tap Support 3. Tap Something Else 4. Navigate to the category that best fits the issue 5. Tap Contact Support For reference, your case # is : XXXX Thank you, Cash App Support ref : XXXX : ref Hello XXXX, Seventh Person This is XXXX from Cash App Support. Thank you for reaching out to us and letting me know that you're having trouble with your Cash App account and a suspicious activity in your account. I understand how inconvenient that situation could be and I appreciate the time you took to bring this to our attention, Ill definitely work on this right now. Im assigning your case to a specialist to begin the investigation. Investigations can take up to 10 business days to complete, depending on the information you provided. Cash App Support does not have a phone number to call at this time, but you can request a callback from our support team through your Cash App when the option is available. We will never ask you to provide your PIN, send a payment, make a purchase, or complete a " test '' transaction of any kind. In the meantime, if you have any questions or concerns, please feel free to reach back out. Best regards, XXXX Cash App Support ref : XXXX : ref Unauthorized Transactions. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or you believe a transaction has been made without your permission using information from your Card, your PIN, or Card Account, or you could lose all the money in your Card Account. Contact Customer Service immediately at the number or address provided below to keep possible losses to a minimum. Contacting Square by telephone at XXXX is the best way to minimize possible losses. Can not reach live Cash App support through this number. XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX or XXXX filed Complaints on both emails Thank You. Desired Outcome/Settlement Desired Settlement : Refund To be contacted by phone, not email or mail to discuss and resolve my complaint. Wednesday, XX/XX/2020 Complaint : XXXX I am rejecting this response because : I appreciate cash app responding, but its not what I asked for. I asked to receive a phone call, because I have received several emails from 7 different cash app support team people saying the exact same thing asking for the exact same information but never responding to the case itself. This went on for well over a month in response I receive said it should take 10 days to respond but because of coronavirus it may take a little longer. after a month I still havent heard I received a response to my complaint. This is the reason why I requested a phone call from cash app to speak to someone personally about my case. I was told by a cash app representative to request a call back there would be a place to request a call back when you file a complaint but that part of the complaint process was removed so I requested a callback with in my complaint but that also was ignored, all I was doing was following their policy in the number they provided if you account was hacked or compromised to reach them right away, and I try to contact them within hours of my account being compromised, and all I ever received was a recorded message. I called my bank that was also compromise because of Cash App and they had no problem dealing with the issue right away and stop any further damages. So if cash app can send me a phone number I can call besides the one with the recorded message to speak to someone in person to resolve this issue would be greatly appreciate it. Sincerely, XXXX XXXX Tuesday, XX/XX/2020 Thanks for reaching out and making us aware of this issue. Were sorry to hear about your experience. A member of our team is investigating your issue and will follow up with you shortly via email to help. Thanks, Square Monday, XX/XX/2020 Thanks for following up. It looks like we reached out to you via email in regards to this matter on XX/XX/2020. In reviewing that interaction, we can confirm we have provided the correct information for this issue, consistent with our Terms of Service. If you have any additional questions, please respond directly to that email. Thanks, Square Response : Complaint was about my account being compromised for {$800.00} not {$200.00}. I sent you all the proof and documentation showing that my account was compromised I had all the security protocols on my account, thats why I had to file a fraud report with XXXX XXXXXXXX XXXX as well. You stated you paid this {$200.00} as a courtesy credit, but my account was hacked for {$800.00} in the exact same transaction you saw the {$200.00} compromise, it wasn't two different transactions, it was the same transaction. Who did you pay because I can not find a {$200.00} transaction anywhere in my new cash app account ( XXXX ). Your policy said to contact cashapp right away at XXXX which I tried several times. before I had to contact cash app by emailing witch I did several times to try resolving this issue. This is part of the statement I received from cashapp On XX/XX/2020, your account associate with XXXX XXXX XXXX received a provisional credit of {$200.00}. Please note, we paid this credit as a courtesy. We may not make future credits available should you allow a similar event to occur on your new account. I have explained several times XXXX was hacked and closed so you couldnt have credit my account. my new account is XXXX ref : XXXX : ref XXXX XXXX XXXX Their response : Hi XXXX, We closed your case because it's been more than 3 days since we've heard from you. Please reach out if you still have questions. Here 's how : Tap the profile icon on your Cash App home screen Tap Support Tap Something Else Navigate to the category that best fits the issue Tap Contact Support For reference, your case # is : XXXX Thank you, Cash App Support ref : XXXX : ref Same Response i been recieving from day one XXXX XXXX XXXX XXXX

null

Square Inc

MA

018XX

null

Consent provided

Web

2021-02-03

Closed with explanation

Yes

null

4,080,143

2021-01-20

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

null

HW Holding, Inc

CA

93101

null

Consent not provided

Web

2021-01-20

Closed with explanation

Yes

null

4,079,509

2021-01-19

Money transfer, virtual currency, or money service

Virtual currency

Fraud or scam

null

HUNTINGTON NATIONAL BANK, THE

OH

43469

null

Consent not provided

Web

2021-01-19

Closed with explanation

Yes

null

4,078,000

2021-01-20

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

null

Arcadia Holdings, LLC

PA

19103

null

Consent not provided

Web

2021-01-20

Closed with explanation

Yes

null

4,080,242

2021-01-20

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

null

ERC

SD

57103

null

Consent not provided

Web

2021-01-20

Closed with explanation

Yes

null

4,080,593

2021-01-20

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

null

WAKEFIELD & ASSOCIATES, INC.

CA

91010

null

Consent not provided

Web

2021-02-02

Closed with explanation

No

null

4,080,083

2021-01-20

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

null

EQUIFAX, INC.

TX

76112

null

Other

Web

2021-01-20

Closed with explanation

Yes

null

4,080,084

2021-01-20

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Company closed your account

null

JPMORGAN CHASE & CO.

NC

27519

null

Consent not provided

Web

2021-01-20

Closed with explanation

Yes

null

4,079,689

2021-01-20

Payday loan, title loan, or personal loan

Installment loan

Struggling to pay your loan

null

OneMain Finance Corporation

KS

66061

null

Consent not provided

Web

2021-01-20

Closed with explanation

Yes

null

4,080,634

2021-01-21

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

null

CL Holdings LLC

MD

21202

null

Consent not provided

Web

2021-01-21

Closed with explanation

Yes

null

4,082,094

2021-01-20

Debt collection

Medical debt

Took or threatened to take negative or legal action

Threatened to sue you for very old debt

null

PlusFour, Inc

NV

89103

null

Consent not provided

Web

2021-02-03

Closed with explanation

Yes

null

4,080,281

2021-01-21

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

null

JPMORGAN CHASE & CO.

NC

27302

null

Phone

2021-02-04

Closed with non-monetary relief

Yes

null

4,082,193

2021-01-21

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

null

EQUIFAX, INC.

FL

33025

null

Consent not provided

Web

2021-01-21

Closed with explanation

Yes

null

4,082,371

2021-01-21

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

Credit reporting

Incorrect information on your report

Account status incorrect

null

EQUIFAX, INC.

MD

21201

Servicemember

null

Phone

2021-01-22

Closed with explanation

Yes

null

4,082,146

2021-01-21

Mortgage

Conventional home mortgage

Struggling to pay mortgage

null

Fay Servicing, LLC

null

Phone

2021-01-21

Closed with explanation

Yes

null

4,082,576

2021-01-21

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

null

AVANTE

FL

33612

null

Consent not provided

Web

2021-05-14

Closed with explanation

Yes

null

4,083,049

2021-01-21

Mortgage

Conventional home mortgage

Struggling to pay mortgage

null

HOMESTEAD FUNDING CORPORATION

FL

33559

null

Phone

2021-02-09

Closed with explanation

Yes

null

4,083,536

2021-01-21

Mortgage

Conventional home mortgage

Closing on a mortgage

null

WEBSTER BANK, NATIONAL ASSOCIATION

RI

02895

null

Referral

2021-02-02

Closed with explanation

Yes

null

4,113,226

2021-02-05

Mortgage

Other type of mortgage

Closing on a mortgage

null

Fay Servicing, LLC

OH

45215

null

Referral

2021-02-05

Closed with explanation

Yes

null

4,121,248

2021-02-05

Mortgage

Conventional home mortgage

Closing on a mortgage

null

SOUTHSTATE CORPORATION

FL

32686

null

Consent not provided

Web

2021-02-05

Closed with explanation

Yes

null

4,117,852

2021-02-05

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

null

Nationwide Credit Corporation

null

Phone

2021-02-05

Closed with explanation

Yes

null

4,118,917

2021-02-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

AL

36925

null

Consent not provided

Web

2021-02-05

Closed with explanation

Yes

null

4,119,258

2021-02-05

Mortgage

FHA mortgage

Trouble during payment process

null

FIRST HORIZON BANK

DE

19805

null

Phone

2021-02-05

Closed with explanation

Yes

null

4,120,350

2021-02-07

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

null

JPMORGAN CHASE & CO.

IL

60659

null

Referral

2021-02-08

Closed with explanation

Yes

null

4,125,611

2021-06-26

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

Credit reporting

Incorrect information on your report

Account information incorrect

null

Conn's, Inc.

MS

38671

null

Consent not provided

Web

2021-06-26

Closed with explanation

Yes

null

4,496,324

2021-06-27

Debt collection

I do not know

Written notification about debt

Didn't receive enough information to verify debt

null

CL Holdings LLC

RI

02916

null

Consent not provided

Web

2021-06-27

Closed with non-monetary relief

Yes

null

4,496,072

2021-06-27

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

null

EQUIFAX, INC.

GA

30349

null

Consent not provided

Web

2021-06-27

Closed with explanation

Yes

null

4,494,619

2021-06-27

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

null

Commonwealth Financial Systems, Inc.

OH

45011

null

Consent not provided

Web

2021-07-27

Closed with explanation

Yes

null

4,494,984

2021-06-28

Mortgage

FHA mortgage

Struggling to pay mortgage

null

CARRINGTON MORTGAGE SERVICES, LLC

MD

20784

Older American

Consent not provided

Web

2021-06-28

Closed with explanation

Yes

null

4,495,066

2021-06-28

Checking or savings account

Checking account

Managing an account

Fee problem

null

COMMERCE BANK

KS

66061

null

Consent not provided

Web

2021-06-28

Closed with non-monetary relief

Yes

null

4,495,036

2021-06-28

Mortgage

Other type of mortgage

Trouble during payment process

null

EQUITY RESOURCES, INCORPORATED

NC

28586

null

Consent not provided

Web

2021-06-28

Closed with explanation

Yes

null

4,497,845

2021-06-29

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

null

ERC

CA

93309

null

Consent not provided

Web

2021-06-29

Closed with explanation

Yes

null

4,502,527