Date Received: 2023-08-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Company Response:
State: IA
Zip: 505XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: around XX/XX/XXXX, I tried to use my Chase card and found out it had been canceled without my consent by a customer rep who I had talked to a few days earlier. I called and bitterly complained. The card was reinstated. Subsequently, I wrote a letter to the CEO of Chase and copies to other departments. I received an email 4 weeks ago saying that they have received my complaint. However, that was the only and last communication. Since then I have called Chase only to be shuffled around and not called back. At this point, Chase has lowered my credit score when they went to approve me but are forcing me to go elsewhere. I want a repair to my credit score ( the ding was minor since I already have a good score, but it still was unnecessary ) and I want someone in the EXECUTIVE office ( not a lowly rep who has no power and will just try to placate me ) to call me back.
Company Response:
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There was a debit taken from my checking account as a result of my attempt to take {$2000.00} from ATM # XXXX in the lobby at the Chase Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, on a Saturday, XX/XX/, during the hours that the bank was closed. On that day, I first requested {$3000.00} from the ATM machine. A message showed on the screen that said it couldn't access that amount ; then, I lowered the request to {$2000.00}. Again, the ATM machine said it access that amount. Frustrated because I specifically needing the {$2000.00} amount, I pressed " cancel '' on the machine, retrieved my card and walked away without getting any money from the ATM machine. Then, to my surprise, the amount of {$2000.00} was debited from my account the following Tuesday, XX/XX/XXXX! I went into the bank that day and they advised that I call their claim dept. at XXXX about the ATM # XXXX machine. The events that occurred after calling their claim department did not end in their returning my {$2000.00}, however. I've called the claim number 2 times after they closed the claim twice, and even went back into the bank and had a representative call the claim department, but to no avail. I urged them to look at the bank cameras that directly record the ATM machines, but the bank XXXX stated that he didnt know how to look at the cameras. Eventually, both claims were closed with the result of my money still having been stolen by XXXX of the largest banks in our nation. The last time I called the claim number, on XX/XX/, I fought to get them to escalate my call up to the XXXX XXXX at XXXX and was given a case number, Case # XXXX XXXX. I was told that I would be given a Case XXXX and that they will further investigate. When the Case XXXX called, I again challenged them to look at the camera facing the ATM machine and go through the data for the time of my transaction, and they will see that I was not dispensed {$2000.00}. The Chase staff have pretty much told me that the people that they rent the ATM machine from, and who service the ATM, did not find any discrepancies, but that does not exclude those very same individuals from noticing the overage and pocketing the funds for themselves. Chase is attempting to separate themselves from this possibility by stating that they dont own the machine, but in my mind, if they rent it and their money is in it, they are equally responsible for stealing my money right out of my account. What I do know is that the ATM machine did not dispense {$2000.00} to me on XX/XX/. Later, upon deciding to close my account, I was told by the bank teller that that particular ATM machine does not ever dispense amounts as large as {$2000.00}. Therefore, it is impossible that it was dispensed to me! I am hoping that an organization, such as yours, can make better headway in the return of my money by forcing Chase bank to look at the camera on the date of the transaction. They would then clearly see that no money was dispensed from the machine to me. Looking at the camera would solve this dilemma immediately. My husband and I can not easily part with such a large amount, as were both over the age of XXXX, with him being XXXX, and a retired XXXX XXXX veteran. {$2000.00} is more than we can afford to simply give away. There should be laws to protect senior citizens and military veterans from this kind of abuse. We need your assistance, please.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023 I tried to access my Chase online banking account, but when I logged in it said that there was fraudulent activity and I could not access the account and it said that I should call the bank. So then I called the bank and the told me that my account was slated for closure and they would not tell me why, or when they would close the account. They also said that there is nothing I can do And that I would not be able to access the online billing portal where I have not only the checking account that was closed but also my two credit cards. They said that I would not be able to access the funds until I received a check in the mail two weeks later. They also said that part of my agreement that I signed when I made the account what's the deck and close my account at any time without prior notice, or letting me know why. This is unacceptable.
Company Response:
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: In XX/XX/2023, I was approved for a Chase United Club credit card, and paid an annual fee of {$500.00}. I used the card for several months. In XXXX, XXXX, Chase sent me a letter asking for a copy of my social security card. I called to see if they had a secure portal to upload it, and the rep said no, so I mailed a copy of my social security card. In XXXX, XXXX, I received a letter from Chase that I needed to provide a copy of proof of my address and my social security card. I called them and told them I sent them my social security card in XXXX. The service rep said they saw in the system that Chase had received it. She sent me a secure portal to upload my address proof. I uploaded a copy of my utility bill to prove I live here. Shortly after, I received a note that they were closing my account. I called Chase and told them they should have everything, and the security rep advised that he can't access the copy of the social security card because it was sent in XXXX, and they need another copy. After talking to multiple people, I spoke to a supervisor, who understood that I have sent everything that was asked for. I told him I can't keep sending documents only to find that Chase needs something else, and they can't/wo n't look at documents previously sent. Since I have been unable to use my card ( since my account was closed, even though I sent all the documents ) I asked for my {$500.00} annual fee to be returned. I just received a letter from Chase rejecting my request for a refund. So Chase opened an account, took my fee, then closed the account even though I met all their conditions. As an aside, I have been a XXXX year customer of Chase. I have had Chase checking accounts, savings accounts, mortgages and credit cards. Chase has had my social security number for all those years, but now Chase claims they can't verify it, even with recent evidence I sent in XXXX.
Company Response:
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/23 I opened a checking account with Chase bank. I deposited a check of XXXX and XXXX that was written to myself and my roommate XXXX XXXX. The teller took the check had me endorse it and deposited it. A week later I received a letter stating my account was frozen due to a check error and they needed to verify XXXX XXXX, we went to the branch but her ID and social were not accepted as verification. They wanted to verify her number which they could not do in their system. We let chase know she has an account with them with the same phone number and that was not acceptable either. With that being said chase closed my account and refuse to cancel or void the check. The issuers of the check ( a chase check ) also called the bank to ask them to cancel or void the check since they wrote it and can re issue me one with my name only. They also declined the check issuer the right to cancel it as they claim its cashed so it will sit in holding with chase until she is verified endefinitely. Myself or check writer are provided no information where this cashed check is sitting since I no longer hold an account they said with chase. Additionally they will not confirm who the teller is who cashed a the check. If the check was not endorsed correctly it should not have to been cashed by them to begin with. They cashed an improper endorses check and because they cant verify XXXX XXXX they refuse to cancel, void, or give back the check to the issuer who is XXXX and XXXX XXXX XXXX in XXXX XXXX XXXX owned by XXXX. They are holding thr cashed check to themselves with no resolution.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I lost my debit card and charges of XXXX from a XXXX in XXXX were made on my card on XX/XX/2023. I know with certainty I did not make these charges as the day the transaction was made I was at work in XXXX XXXX XXXX, leaving for work at XXXX, then going straight to the XXXX XXXX at XXXX. I did not arrive home until XXXX. Furthermore, I drive a XXXX and there is absolutely no way or reason in which I would ever spend my money on gas, especially in the city of XXXX when I work in XXXX XXXX. I am frustrated and disappointed with my bank and would like a resolution for these fraudulent payments.
Company Response:
State: CA
Zip: 90703
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had a business account with chase. I actually finally received my personal tax that go back a while that my accountant do for me and I XXXX and Im actually good at it and win big at the casinos. Which I have to also file on taxes. On XX/XX/2023 I received a check from the department of treasury in the amount of {$84000.00}. I went to the Chase bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXI deposited it in my business account any money I win or get back from loans and grants I put back into my businesses. The young lady told me because of the amount that it will be on hold for up to 7 days I said ok thats fine. XX/XX/XXXX I cleared and was available so I went to bank to withdraw funds I wanted to do cashiers check for {$9000.00} through the drive thru. I forgot to write on the withdrawal slip who I was making it out to which was a contractor who had done some work at my place of business. The teller told me for the amount she needed XXXX forms if Id. I thought it was weird because Ive never had to do that at any of my other banks to get a cashiers check. So a few woman came up to the window and XXXX said hey we have to review the account so I said Im sorry why is that she said to see where you get money from. I forgot to mention I have money going into my account weekly. I said well maam this should have been done within those 7 days you guys cleared everything today she said we just need to call and verify it you can come wait in the lobby or circle back around because you cant wait here its going to take about XXXX minutes so I went in the lobby. Another young lady come back and said well its been a lot of fraudulent activities going on with people getting money back that they are not entitled to im like excuse me well ok but thats not the case here she said you cant get anything out of account right now there is a restriction on your accounts until we speak to someone from the treasury to verify that youre entitled to those funds or if you have your tax forms you can bring in and show so I said yes Ill go get them. I felt like I was being racially profiled. Yes I am a XXXX XXXX XXXX XXXX. I went and got all my documents and came back. The same young lady was like oh your back as if she was surprised so I had to wait in lobby for a while and another woman came out the same young lady said oh shes the one and then whispered the rest to her so she looked at me and walked off. She came back and said XXXX will be the one talk to you but she said give her sometime I said ok and waited longer. When she finally came she skimmed through my documents and said you dont have a 1099 form I said well she wasnt specific about what tax documents I needed she just said tax forms that show Im entitled to that amount so I just got tax transcripts full package of tax return 1040 everything except 1099 I said I can go back and print that out also she said no need she left out of the room and said she was going to upload documents. She came back and said chase reached a final decision they are closing your account within 10 days I said what she said usually they let us upload documents before they make a decision but its not even letting me do it and to be honest we never get people that get back tax returns this big at all. I said are you serious not even knowing all the facts why I have this amount when its saying in all my documents I have brought in. I said was this decision made before I even walked out the door earlier to go get my documents? She said I dont know but thats what its says i said so what are you guys going to to with my money she said once we verify the funds we will send you a cashiers check for the remaining balance that your entitled to I said well if thats the case you can give me a cashiers check now for my money she ignored that and went on saying direct deposit wont go through or auto pays like XXXX you know things like that well I dont even have time to watch tv so I dont even have XXXX I mean these comments were just insane and insulting so I took that as if they feel like they can tell me what Im entitled to instead of looking at evidence of what Im legally entitled to. If its a problem you can send my check back to irs Im fine with that because I know they are going to send it right back out to me she said well like I stated we will send you a cashiers check with a smirk you will have to bank some where else I said ok thats fine as long as its for all of my money I have never been so upset confused humiliated insulted and treated like this by a company before in my whole life. I understand companies have protocols they have to follow but this was not them following protocol at all not even excepting or looking at documents they ask me to bring back before a decision was made. Every XXXX person is not a criminal or participate in fraudulent activities and thats how I was treated at their establishment.
Company Response:
State: FL
Zip: 33881
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have learned that there are strict regulations to protect Consumers such as myself and our personal information, and that every company dealing with a Consumer has agreed that they would follow these regulations. In a gross violation of Numerous of my rights, they have chosen not to and have repeatedly violated the Fair Credit Reporting Act, Title VI of the Consumer Credit Protection Act, and The Privacy Act of 1974! 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. - No adverse item besides the conviction of crimes should be on my report, any item that is a derogatory mark is not allowed into consumer reports this is another violation.- 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. -By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports, they are also violating compliance procedures under this title.- Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. -Again they need prior written instruction of the individual to whom it relates.- Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information -Once again, they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974! - PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. -Every company owes me a privacy notice before they furnish any information to my consumer report, another violation! - 12 CFR 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( i ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. -Once again they must give me an opt out notice for anything that is to be added to my consumer report.- 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; -Reporting my transaction history is illegal! Repeated Violations every month reported! - 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authorization - F.T.C. Violation, I have filed a report! - *Any collections means it has been Charged Off and is now a Certificate Of Indebtedness and is considered Income and income can not be reported to my credit report according to I.R.S. Publication Laws, they must be removed. *All Inquiries violate 15 U.S.C. Permissible Purposes, Promotional Inquiries, 3rd parties were allowed to " peek '' at my credit and violate my privacy, clear violation of numerous rights laws and acts. Each one is its own violation with a separate penalty and must be removed! These severe violations have been the actions of All the Corps Put on this Notice of Complaint ( who Ive learned I was a victim of their data breach as well, which is irrefutable proof of claim of identity theft along with XXXX and its own data breach ) XXXX XXXX XXXX who received my personal account information from XXXX XXXXXXXX XXXX ( Account Ending ( XXXX ) ), JPMORGAN CHASE NE ( Account Ending ( XXXX ) ) and JPMORGAN CHASE NE ( Account Ending ( XXXX ) ) and numerous other companies on and off my report! I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to TRANSACTIONS or experiences between the consumer and the person making the report. With every violation being allowed U.S. {$1000.00} without my expressed written consent, according to 15 USC S1681 ( n ). That would intrinsically mean that for EVERY INDIVIDUAL TRANSACTION you reported worth U.S. {$1000.00} so you can do the math and give me my just compensation for your negligence of the law. Remove the information from my consumer report, this agency is in violation of 15 USC section 1681. Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance 616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards,
Company Response:
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A