| and ( 2 ) a third party using phishing or other methods to gain access to a consumers computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,WELLS FARGO & COMPANY,CA,92240,Older American,Consent provided,Web,2024-02-08,Closed with monetary relief,Yes,N/A,8299306 | 1 | 0.0% | the Bureau is aware of the following situations where a third party has fraudulently obtained a consumers account access information |
| and ( 2 ) an email requesting that I submit my title and sign and submit a Power of Attorney ( POA ) to the Company. I needed to request a replacement title from the Department of Motor Vehicles | 1 | 0.0% | I accessed the Company 's website |
| and ( 2 ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ) | 26 | 0.0% | misrepresentation of creditworthiness |
| and ( 2 ) if they are calling about a debt they are acting as a debt collector and they did not read me my Miranda rights. They stated they did not know who XXXX XXXX is | 1 | 0.0% | XX/XX/XXXX XXXX along with a family member contacted the XXXX phone number to identify who is calling and the purpose of the calls. When I called I initially spoke to three people XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another person whose name I cant remember. They stated they are Conflict Resolutions Center '' located in XXXX |
| and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or | 3 | 0.0% | and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Congress goes on to inform in 15 USC 1602 of who the original creditor is |
| and ( 2 ) the CFPB to issue implementing regulations requiring depository institutions to establish and maintain procedures reasonably designed to assure and monitor compliance with the SAFE Acts federal registration requirements. | 1 | 0.0% | as well as uniform identification of |
| and ( 2 ) the check clearly reflected the fact that it had already been deposited via a mobile device as it was marked MOBILE DEPOSIT. | 1 | 0.0% | I was the victim of a documented theft wherein a thief broke into my car and stole a bag. Inside that bag was the above-referenced check. After numerous conversations with Bank of America staff about this issue |
| and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditor 's compliance with this section. | 4 | 0.0% | action to collect the amount |
| and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditor 's compliance with this section.,,CAPITAL ONE FINANCIAL CORPORATION,TX,77056,Servicemember,Consent provided,Web,2025-06-17,Closed with non-monetary relief,Yes,N/A,14131858 | 1 | 0.0% | action to collect the amount |
| and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. | 29 | 0.0% | action to collect the amount |
| and ( 2 ) to schedule a payment for the same amount to ensure that I remain in good standing. The woman I spoke with was unable to see any evidence that the transfer was attempted ( despite it showing in my Mobile Banking app and despite the fact that PNC sent me a letter in regard to its status ) | 1 | 0.0% | on Tuesday |
| and ( 3 ) consider my XXXX in handling and timing. Wells Fargo did not do so and closed cases XXXX | 1 | 0.0% | stating that charges older than six months were not eligible for review. My understanding is that the Truth in Lending Act/Regulation Z ( 12 C.F.R. 1026.13 ) imposes a 60-day notice window for mandatory billing-error rights |
| and ( 3 ) delicate {$1000.00} U.S. The {$1000.00} U.S. should be made payable to the request for XXXX XXXX and got inside 14 days.,,National Credit Systems | 1 | 0.0% | you have caused me extra pressure |
| and ( 3 ) ensure future compliance with all federal consumer protection laws. Transunions noncompliance has caused harm to my creditworthiness and emotional distress due to the persistence of false information on my consumer report.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | sufficient identifying information |
| and ( 3 ) I have maintained a savings account at BoA for over a decade without incurring such a fee. Although I am out a mere {$10.00} | 1 | 0.0% | but the simple facts are ( 1 ) BoA never notified me either by email |
| and ( 3 ) it was denied the right to contract for those services. '' ). ) XXXX XXXX | 1 | 0.0% | LLC |
| and ( 3 ) no other person ( or officer or employee thereof ) who has or had access to returns or return information under subsection ( c ) | 1 | 0.0% | states in part : ( a ) General rule Returns and return information shall be confidential |
| and ( 3 ) provide reasonable accommodations in the dispute process. Chase declined and closed the matter without a substantive review. | 1 | 0.0% | issuers and banks may exercise discretion and can request merchant evidence ( e.g. |
| and ( 3 ) reliance on a non-furnisher source constitutes a serious breach of federal consumer-protection law | 2 | 0.0% | the U.S. Bankruptcy Court has issued a written statement confirming that they never furnish bankruptcy information to LexisNexis |
| and ( 3 ) Reverse unauthorized cash advance of {$6800.00} on my credit card | 1 | 0.0% | as my investment fund of {$110.00} XXXX was liquidated without my authorization and knowledge and transferred to my checking account XXXX before was closed |
| and ( 3 ) sets forth the reasons for the obligor 's belief ( to the extent applicable ) that the statement contains a billing error | 1 | 0.0% | XXXX XXXX XXXX ( XXXX ) XXXX Below are the applicable regulatory rules that have been referenced to present this case ( 15 USC CHAPTER 41 |
| and ( 3 ) tender me {$1000.00} U.S. The {$1000.00} U.S. must be made payable to the order of XXXX XXXX within 14 days of receipt of this letter.,,Resurgent Capital Services L.P.,LA,708XX,,Consent provided,Web,2025-01-04,Closed with non-monetary relief,Yes,N/A,11380995 | 1 | 0.0% | you have caused me and my family additional stress |
| and ( 3 ) tender {$1000.00} U.S. The {$1000.00} U.S. must be made payable to the order of myselfand received within 14 days.,,CMRE Financial Services | 1 | 0.0% | you have caused me additional stress |
| and ( 3 ). I hereby demand that you elucidate your intentions concerning my personal identifying information and delineate the measures you intend to undertake to safeguard said information. | 1 | 0.0% | multiple parties may possess my personal identifying information |
| and ( 4 ) a recent credit report showing fraudulent items. | 1 | 0.0% | which gave Equifax a formal basis for denial. However |
| and ( 4 ) ensure that all further communication from Chase be in writing to prevent additional misunderstanding. | 1 | 0.0% | Chase re-debited {$1000.00} from my account while my dispute was still active and before completing a proper reinvestigation. That action caused my account to go negative and appears to violate 12 CFR 1005.11 ( c ) ( 2 ) |
| and ( 4 ) explain why these two accounts appear to be inaccurate | 1 | 0.0% | nor is it an admission of liability. Instead |
| and ( 4 ) failure to provide adequate notice of the incident. | 5 | 0.0% | including myself during a recent data breach of its servers.The particular PII allegedly included my addresses |
| and ( 4 ) information about Laurel Road 's correspondence with XXXX. | 1 | 0.0% | consistent with XXXX 's preference. I was told this was not possible and when I asked why |
| and ( 4 ) previous 12 months of statements of account if any. Your company is illegally attempting to collect an alleged debt and money that I do not owe. As per the law | 1 | 0.0% | VA XXXX VIA USPS CERTIFIED MAIL Re : Account Number : XXXX & XXXX Dear XXXX XXXX XXXX : I recently pulled a copy of my credit report and notice your company is reporting 2 derogatory information there. I did not receive any initial communication of the alleged-debts. Please be advised |
| and ( 4 ) refund/waiver of all amounts falsely charged. | 1 | 0.0% | yet Nelnet continues to treat me as liable and allows interest to accumulate. Despite my requests |
| and ( 4 ) their dispute department is meaningless | 1 | 0.0% | I believe the fact that XXXX XXXX should not be using this merchant as one of their customers. It's quite obvious they have not vetted this group properly and have passed the problem onto us. Macy 's has not done their due diligence in reviewing the financial and legal background of XXXX XXXX XXXX. For this reason |
| and ( 5 ) disclose to TERI | 1 | 0.0% | any subsequent holder of this Credit Agreement |
| and ( 5 ) they have been repeatedly reprimanded by state Attorneys General and federal agencies. | 2 | 0.0% | prejudiciously and illegally continued to verify this alleged collection with Equifax |
| and ( a ) ( 4 ) -1. | 1 | 0.0% | which are discussed in this Section 4 |
| and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount | 5 | 0.0% | the creditor shall |
| and ( b ) not receive the purported interest rebate without making such extra payments. Again | 5 | 0.0% | XXXX XXXX XXXX |
| and ( b ) of this section. | 2 | 0.0% | and do not wish to reserve the right to disclose |
| and ( b ) the date the borrower declines the loan modification offer. If the borrower timely accepts the loan modification offer ( either in writing or by submitting the first trial modification payment ) | 1 | 0.0% | Section IV ( B ) ( 8 ) states : If |
| and ( c ) judicial sale | 1 | 0.0% | U.S. Bank 's reliance on this code section appears to be a strategic attempt to avoid triggering foreclosure mediation |
| and ( c ) such instrument is uttered or delivered with a jurat affixed thereto ; and ( c ) 175.35 Offering a false instrument for filing in the first degree-A person is guilty of offering a false instrument for filing in the first degree when | 1 | 0.0% | XXXX XXXX XXXX |
| and ( c ) Venmo is guilty of following dishonest business practices | 1 | 0.0% | I will be forced to assume : ( XXXX ) that there |
| and ( Civ.Code XXXX | 1 | 0.0% | demanding that they provide to me a copy of the Deed of Reconveyance that must be signed over to any party in order to transfer the right of ownership and possession of that property. They have failed to respond. I have asked Ocwen Loans |
| and ( d ) comply with applicable laws | 1 | 0.0% | at issue here is KYC compliance. Attached is a copy of the law and supplementary material : Per 2090. Know Your Customer : '' Every member shall use reasonable diligence |
| and ( e ) a warning about foreclosure scams purporting to save your home. Wells-Fargo Bank never sent Defendant a pre-suit letter as required by Indiana law. Additionally | 1 | 0.0% | borrowers in Indiana may request a settlement conference |
| and ( f ) but we need you to close ( see EXHIBIT 4 ). | 1 | 0.0% | Mr. XXXX responded that this is our final deal and |
| and ( f ) it was only XXXX who caught a bunch of payments made to my old card number ( admittedly | 1 | 0.0% | notwithstanding that ( a ) I have provided proofs of payment from XXXX Bank AND complete banking statements |
| and ( i ) promptly notify furnisher of that information that the information has been modified or deleted from the file of the consumer. | 3 | 0.0% | after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer |
| and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. | 5 | 0.0% | after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer |
| and ( I ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately. | 3 | 0.0% | after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer |