Issue
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Incorrect information on credit report
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Experian is reporting a late payment on my XXXX account. That entire payment was removed from my account as a result of being fraudulent activity. There should be no late payment shown.
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Application, originator, mortgage broker
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I had XXXX hard inquiries from imortgage company ( XXXX ) on my credit report on XX/XX/2017 and XX/XX/2017 making it XXXX times in 8 days.
I called both XXXX and XXXX who reported this inquiry and I was advised to ask for a letter of deletion from the loan company to take it off my credit report.
My loan officer denied making the inquiry on the XX/XX/2017 and has refused to give me a letter of deletion for the hard inquiry on my report.
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Trouble during payment process
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Attached Memo
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Dealing with my lender or servicer
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My student Loan was serviced through XXXX/Navient. There were several times that I had XXXX issues affecting my ability to earn income. When I contacted the servicer for options I was steered into forbearance programs which increased the interest owed on my loan instead of offering any other alternatives available to me. I had no idea I had any options other than forbearance and was mislead to believe that forbearance was the only viable solution.
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Improper contact or sharing of info
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This company CALLED MY SISTER and claimed that they had that number as my personal residence.
This is not true, had never been true, and they are in violation of federal consumer protection laws.
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Improper use of your report
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XXXX XXXX XXXX XXXX ran my credit with out my permission
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Incorrect information on credit report
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I have paid my bills and they are still showing open
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Loan servicing, payments, escrow account
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Not only was my own mortgage payment drafted from my bank account but in addition, someone else 's loan / monthly payment was ALSO drafted from my account in the same month within one day of each other. Despite several emails, phone calls, promises for call backs, I have not been able to get resolution. I 'm put on hold and then eventually hung up on. I have provided proof of the erroneous draft as well as the other person 's loan number.
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Making/receiving payments, sending money
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I applied for auto loan with US Bank and they relied on XXXX Credit report to denie me credit. I requested a copy of my credit report from XXXX refused to give it to me.
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Problem with a credit reporting company's investigation into an existing problem
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Accounts has not been verified
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Credit monitoring or identity protection
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XXXX used my social security number to open a XXXX accout without permission
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False statements or representation
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garnished my bank account in XX/XX/XXXX S.S.A. funds.XXXX then snatched my wife 's State income tax XX/XX/XXXX return under joint return injured spouse w/o me having any income at all.This has been going on for 16 years.every 8 years they claim I make a payment to them admitting this debt.going to some judge and gettihg an extention on collection.Ido n't know who the debtor orginated with only STENGER/STEGNER are the liars persuing this.pubic action
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Credit card protection / Debt protection
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lvnv funding has a collection against me that is past the statue of limitations and also has not responded to my request for a debt validation letter
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Loan servicing, payments, escrow account
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I am enrolled in a HAMP modification. My rate has prematurely increased from 2 to 3 % and I have not received the $ XXXX a year good faith principal reduction.
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Improper use of your report
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Equifax was negligent in handling computer security, resulting in theft of my personal data.
Equifax did not notify me of the breach when they became aware of it ( I had to learn through the media ).
Equifax has failed to remedy the situation.
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Cont'd attempts collect debt not owed
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I 'm a victim identity theft and someone open accounts in my name this account was removed befor and now it 's back
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Incorrect information on credit report
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item 's on my credit file was deleted. ( XXXX credit card with a balance of {$580.00} ) because this information reported was false. also info on a XXXX privet student loan with a balance of XXXX and XXXX XXXX privet student loan with a balance of XXXX the information being reported on these accounts are completely false and does not comply with the fair credit reporting act 15 USC 1681 et seq
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Managing, opening, or closing account
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My wife opened a prepaid card for me with Capitol One. She accidentally gave them her social instead of mine. We gave them the opening deposit, an automatic payment from our account. When we went to use the card a few months later we found it had been closed, because of the social being wrong. They would not and have not returned the deposit money despite hours on the phone with them.
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Incorrect information on credit report
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I have been deputing XXXX accounts from XXXX XXXX XXXX on Equifax for the last six months. It has been removed twice and then gets put back on within a month or 2. Tried to call and get them to correct but act like they ca n't understand what I 'm saying and have to repeat several times and get no where. I have attempted 3 times since it showed back up to get it redeleted and nothing.
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Problem with a credit reporting company's investigation into an existing problem
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XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$1300.00} XX/XX/XXXX These account are fraudulent and I want them remove at once. I am a XXXX victim of identity theft and will be writing the state and government about this fraud because it is not right and I have already submitted police reports. I want these accounts removed at once.
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Disclosure verification of debt
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Dear States Attorney, I 've taken during the past 60 days, to date SANTANDER has not resolved my issue. Can you please support me in resolving this matter as I have followed all the necessary steps in disputing provided to me by the Federal Trade Commission, and the CFPB but have not been successful. Should you need any other information, please let me know.
Sincerely, XXXX XXXX
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Unauthorized transactions/trans. issues
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I purchase a prepaid XXXX at XXXX and the receipt stated that it was authorized. My son went to use it and it was n't authorized. I called XXXX and so far it has taken 72 hours and I still do n't have the money or an authorized card. I sent a copy of the receipt, a picture of the card, and my driver 's license ( as requested ). They are telling me that it is in compliance and that they are unable to help me.
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Improper use of your report
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I continue to get inquires for credit I did not make.
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Communication tactics
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Collection company called EOS CCA called my phone number and required me to call them back. I was not the person they wanted to talk to. Under the law, if I called them back and the debt was mine, it would constitute my initiating contact and the statute of limitations would begin all over again. Their number is XXXX. This practice should be outlawed.
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Other transaction issues
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My debit account on my Social Security payment Directexpress, to my checking account using elecronic transfer. Is some times taking 3 days or more. If I go into my bank I can get the money from Directexpress immediately, whats the difference, in time.
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Communication tactics
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XXXX sent me a letter saying i owe a debt from original creditor XXXX saying i owe money even though i have a paid letter from XXXX sayings its paid- XXXX continues to call my fathers house to collect this debt and disclosed my information to him and threatens to take legal action saying i committed felony fraud
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Incorrect information on your report
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I have an account on my credit report from XXXX XXXX XXXX with XXXX. The account is closed and paid off. When I paid it off I was told the account information would be deleted but it is still there.
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Incorrect information on your report
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This company is in violation of the Service Members Civil Relief ACT this also covers accounts that were obtained prior to service and during service and while in a XXXX XXXX. At the time of purchase not only was I on XXXX XXXX but I was also in XXXX. My father purchase the vehicle on my name. The company has lied stating they did not find my information on the XXXX XXXX XXXX XXXX XXXX XXXX, however when I did a search for myself I found it.
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Loan servicing, payments, escrow account
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I have previously filed a complaint that is still pendingresolution. My new complaint is Nationstar Mortgagedisbursement of my last month payment. They appliedall my payment to the principle, added late fees and nowwant 2 months payment. They are charging me escrowfor insurance I pay for directly to my insurance company.
I have many other complaints with Nationstar but firstI need to get my mortgage payment corrected
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Incorrect information on credit report
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TransUnion still reporting inaccurate information which is hurting my ability to obtain credit.
See attached documents.
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Communication tactics
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called saying he is a court processor and has papers to serve me.
If i do n't response or accept I will be prosecuted.
Numerous calls to family members.
Have my civil lawyer call and send a cease and desist letter
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Loan modification,collection,foreclosure
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A servicing company is trying to use a foreclosure mill law firm in Texas to foreclose upon my home when they ( the Servicing Company ) do not have any legal standing in my case. I have rescinded the loan under TILA and they are still proceeding with a foreclosure on a deed of trust that is now void. A notice of sale was recorded, and there is a pending sale on my house for XX/XX/XXXX
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Improper contact or sharing of info
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A debt collection Agency left a message at my work identifying themselves as a debt collector.
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Improper use of your report
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I did not authorize inquiries done on XXXX XXXX XXXX.
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Incorrect information on credit report
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Through XXXX and XXXX, my credit report shows that my XXXX XXXX account is " closed '' and in collections. On my Equifax report, it is showing that it is " open '' and in collections. Because it is listed as " Open '', and payments are going to a collections agency rather than the original lender, I am incurring " missed payments '' on my Equifax report. I filed a dispute, and the account 's closed date was verified, but was still not updated on the report.
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Account opening, closing, or management
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I tried to open a bank account at ally bank, but I was denied since I do not have any social security number. On this link XXXX it is stated that I am not required to provide a SSN to open a bank account.
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Unable to get your credit report or credit score
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XXXX XXXX denied credit for a mtg on XXXX - XXXX -2017. Tried to obtain a credit report by internet but was unable to complete the application. I have tried this route several times in the past and have not been able to obtain a cfedit report once turned down for credit. I am p.o.about not being able to easily obtain my credit report through this venue. I want my report to dispute the contents. Now.
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Advertising and marketing, including promotional offers
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Received a pre-approval for a credit card from Bank of the West. Offer expieres XXXX. They are not able to find the pre-approval offer they extended to me and want me to apply. I simply want them to honor the terms of their offer.
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Dealing with your lender or servicer
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I submitted a XXXX XXXX XXXX XXXX ( XXXX ) form on XXXX XXXX, XXXX, the form stipulated it expires XXXX XXXX, XXXX. I received a letter XXXX XXXX, XXXX stating my form was rejected due to a new form that was created after therefore rejecting my form with Expiration date XXXX XXXX, XXXX. Terms and condition have changed in the new form. They are just prolonging services that I applied for.
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Problem with a credit reporting company's investigation into an existing problem
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I submited a dispute letter to Equifax requesting that they remove a judgement that have been cancelled while providing proof of cancellation of judgement to Equifax by mail and they did not remove this debt from my credit report within their investigation period of 30-45 days. XXXX and XXXX XXXX removed it but Equifax did not properly do the job that I was requesting.
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Cont'd attempts collect debt not owed
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Credit card company sold debt to collection agency that resulted from identity theft. I have mailed a copy of the identity theft report via certified mail to the company.
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Transaction issue
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Invalid charge not refunded. Bank demanded credit slip. No credit slip was issued. No receipt was ever provided or signed. Citi refuses to refund.
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Improper use of your report
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Equifax failed to protect some of my most personal/sensitive information with their recent mass-leakage. A company like this should be held to the highest of standards when it comes to data security. This type of leakage is just plain unacceptable -- it should *never* happen with a company like this. Now, I will have to commit hours of my own personal time to mitigate my own risk and I definitely lose sleep over this.
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Cont'd attempts collect debt not owed
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Convergent Outsourcing , Inc has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt
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Credit reporting company's investigation
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I disputed some accounts on my credit report with this agency. they said that the accounts were verified but have yet to send proof I know by law they to send me proof that the accounts in question verified in a lawful manner have yet to receive anything
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Money was not available when promised
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I have funds in my paypal account, and they will not release my money until 180 days. MY account # XXXX XXXX XXXX . I have {$440.00} in there.They were suppose to release funds after tracking and proof of delivery. I have provided them with all and they still holding my funds till 180 days
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Problem with a credit reporting company's investigation into an existing problem
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I do not have a contract with Department of Ed/Nelnet. I am not liable for collection of these debts from Nelnet XXXX, Colorado. I am not responsible for this debt.
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Loan modification,collection,foreclosure
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I need a review of the mortgage for fraud they do n't want to give a mortgage they have been asking for the same paperwork over and over again, they want foreclosure, I want to get a modification
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False statements or representation
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I was having a collection account with FAIR COLLECTIONS & OUTSOURCING which I was not aware of, they never tried to reached me or call to settled. I paid them and they assured to removed the account from my credit report which they 've never done.
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Incorrect information on credit report
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I do n't owe any money to XXXX for XXXX {$.00} this information is not accrete please take this out from my Credit Score ASAP Thanks
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Can't repay my loan
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I made consistent payments to Navient for a year, then they raised the payment. After asking to continue at the affordable payments, they refused. I could n't understand why they would n't want consistent lower payments but sent my accounts to a collection law firm. Now I am getting calls from them every 10 minutes.
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Problem with the payoff process at the end of the loan
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Would really appreciate it if Huntington Bank would partner with XXXX. I use XXXX XXXX a lot for pay day advance. It takes a long time because they say my bank ( huntington ) has to send my transactions. XXXX implied that it may help if huntington partnered with them!
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Communication tactics
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company keeps calling saying that they are collecting a debt. They will not tell me who they represent and ask for personal information.
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Late fee
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Citi XXXX card charges a {$25.00} late fee AND interest. That 's outrageous! The late fee is high and the company is charging TWICE for an error.
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Attempts to collect debt not owed
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This was a XXXX amount owed for a XXXX. I paid the balance in full to XXXX XXXX XXXX. They are stating that I was passed due and they refused to take this off my account. They were also sending bills to my wrong address. They had my corrected address but insisted that I still lived at XXXX XXXX.
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Incorrect information on credit report
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TransUnion previously deleted inquiries and they were added back without notifying me in writing. According to FCRA Section 611, that is a violation of federal law. Please remove all inquiries
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Improper use of your report
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Due to the recent hack of Equifax and release of personal information, including my own according to the Equifax website, I run the risk of identity theft. I have protected myself as much as I can since the news of this hack was announced.
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Taking/threatening an illegal action
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Guy XXXX called me repeatedly on my cell phone and my job leaving messages. i called him back because i did n't know what it was. He stated that he was a lawyer and that his client was taking legal action against me because I had committed a crime and that I needed to pay his client today or I would be charged in court for the crime i committed. His number is XXXX ext. XXXX
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Credit decision / Underwriting
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I have never contacted New Day USA for any reason. I continue to receive their deceptive mortgage offers. I have asked them to stop sending me mail and they continue to send me mail.
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Closing on a mortgage
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QUICKEN LOANS OFFERED ME A SUMMARY TELLING ME SAYING " I HAVE A CHOICE WITH __________________COMPANY TO PAY THE MONEY BACK FOR BUY A HOME.
AND THAT THEY COULD DO THE BEST THEY CAN TO FIX THE PROBLEM.
I HAVE NEVER HAD A MORTGAGE.
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Trouble during payment process
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My home was foreclosed XXXX/XXXX/2017 by the second mortgage holder. The first mortgage is currently with XXXX mortgage balance {$270000.00}.
I 've spoken with XXXX and they were not notified other the property foreclosure sale and they are the 1st Mortgage Holder. I also did n't receive the appropriate 30 day notice that is required by Tennessee Code Annotated for the state of Tennessee.
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Cont'd attempts collect debt not owed
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This account does not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved
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Loan servicing, payments, escrow account
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My home mortgage was originally with XXXX, Then it was sold to FCI, which I have attached documentation. FCI illegally increased my from {$24000.00} to XXXX. Secondly. FCI needs to disclose the amount my mortgage was bought for because since my address did not change, XXXX sold this note, I am only legally obligated for the amount this mortgage was sold for. I also believe these payments with FCI to be illegal and the CFPB should investigate this company.
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Loan servicing, payments, escrow account
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Inaccurately reporting to credit bureaus that my loan term as 538 months. My loan term is only for 30 years which is 360 months. I have disputed this with the credit bureaus and the Ocwen Mortgage company with no resolve. Ocwen is also reporting on my account log in that my loan term is 538. This is not what I agreed to in my loan modification on XXXX.
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Attempts to collect debt not owed
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AMCA letter asking me to pay an amount of {$81.00} to them. " If payment is not made within twenty-one days, your account will be reviewed for additional collection efforts. '' They listed the service provider as XXXX XXXX XXXX. I did not pay this bill because I have paid the {$30.00} debt I owed to XXXX already.
I called the number the letter provided me, XXXX and it is an automated English accent that did not seem professional.
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Problem with a credit reporting company's investigation into an existing problem
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Williams & Fudge is continuing to report an account to my report, even after requesting validation. They never sent me the proper validation but yet continues to report this debt to my report at all credit bureaus ( XXXX, XXXX, and XXXX ) after contacting them in XXXX of XXXX.
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Closing/Cancelling account
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I had a credit card account and checking account with Wells Fargo. The credit card account had a cashback program in which I had built a healthy balance. I never violated the cardmember agreement, yet Wells Fargo chose to close my credit card account. The cashback rewards balance disappeared along with it. This also resulted in damage to my credit score.
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Loan modification,collection,foreclosure
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In XX/XX/XXXX, I purchased a home through a third party lender. The loan was purchased by Bank of America. Bank of America foreclosed on the property in XXXX XXXX, but continued to show late payments on the mortgage until XXXX of XXXX on my credit report.
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Taking/threatening an illegal action
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Chrysler Capital with collaboration with XXXX XXXX XXXX of XXXX XXXX and XXXX had processed auto-financing documents in a knowingly false manner. I am a service member of the United States XXXX XXXX and what they did was unethical, immoral, and illegal. I was presented my financial agreements in a false manner. Down payment information and trade in value were improperly valued.
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Loan servicing, payments, escrow account
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GreenTree sold our mortgage to ditech after my father passed away 10 years ago. They chane our payment rates, have us late every month, and refuse to transfer ownership via probate order. Now they are refusing to take any payment from us.
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Rewards
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I called the points redemption number for my credit card and was told since the card had not been used in the previous 12 months, the account had been closed & my points were now expired. I only had XXXX points, but still feel I should have been able to use them up.
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Attempts to collect debt not owed
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I disputed and mailed them a debt verification letter in early spring XX/XX/XXXX. This account was deleted from my report and they just illegally readded it to my credit report on XX/XX/XXXX. Unbelievable. I would like this account removed as it was previously deleted from my report and readded monthes later.
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Disclosure verification of debt
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I contacted the debt collector to find out who I originally owed the money to. I spoke with a representative and a manager. Neither would provide me with contact information for original doctor 's office.
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Application, originator, mortgage broker
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I 'm been trying to refinance my mortgage since XX/XX/XXXX now that they got this Harp programI still ca n't refinance due to my second mortgage I fill bankruptcy XX/XX/XXXX this mortgageGot discharge but I 'm still paying for XXXX mortgage and XXXX have a lien on property how can I get this lien off to get approve for refinance.
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Improper use of my credit report
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Equifax is reporting unverified accounts on my credit report. This is in violation of Section 609 of the Fair Credit Reporting Act. which states that all account contracts need to be verified.
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Rewards
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Barclay credit card states that I am to receive XXXX pts per dollar spent at XXXX hotels. I am only receiving XXXX pts. I have called numerous times to resolve this issue. It was resolved a few months ago and I was awarded my earned XXXX pts. It is now back to XXXX pts, I have called and received case numbers ; however, no resolution.
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Communication tactics
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This company calls every morning, leaving a message on voicemail, and does not identify itself and asks that I call about " a very important matter ''. The number they ask me to call is XXXX. After research online, i found that they collect junk debt. I want them to stop calling me.
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Loan servicing, payments, escrow account
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I took out a XXXX mortgage with XXXX in XX/XX/XXXX for {$21000.00}. The account was sold to Springleaf Financial, I believe in XXXX. My current balance is {$19000.00}. So in over XXXX years may balance has only reduced by {$1500.00}. I do n't understand how this can be. I was wanting to refi my 1st mortgage but this account is keeping from doing so.
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Dealing with your lender or servicer
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Violations of public policy have occurred in operation of this account.
Information regarding all loans is reported inaccurrate.
Total Loan Amount Original Terms and rate option Original signed contract from origination year XXXX to current year XXXX require immediate Validation.
Lawful Request.
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Incorrect information on credit report
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Transuion has violated their policy by reinserting XXXX or XXXX twice in two week period.Am asking for this issue to be resolved by deletion of XXXX.
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Communication tactics
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East Point Recoevry lefted two voice messages on my sister phone stateing this is impoint message intender for ( My name ) then stated that they are trying to get ahold of me to collect a debt that i owe.my sister doesnt need to know that im in debt and now she does becaue they left voice message on her phone stated that i owe money
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Problems caused by my funds being low
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My bank charged me 5 {$35.00} fees for a total of {$130.00}. I made a deposit on XXXX at a branch and they did not post the transaction until the night of XXXX. On XXXX, my mortgage payment was processed bring the " available '' balance to below {$0.00}, even though my ledger balances was over {$2000.00}. Instead of charging me the fee on just the mortgage payment of {$4000.00} they charge me an individual fee of {$35.00} on every transaction pending.
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Communication tactics
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I 've notified them several times that I 'm a veteran and I did go to a va hospital. They reported an illegal transaction on my credit report that I 'm 1 month late as a charged off account. The original date is back from 2010. They re-aged the date on my account in an attempt to prolong the time frame to collect which is illegal and unethical.
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Improper use of your report
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Equifax provided lax security and allowed all of my personal information to be put on the black market.
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Problem caused by your funds being low
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TD Bank charged me a XXXX XXXX dollar overdraft fee over pending transactions. Transactions that were not completed yet. They said I was not eligible for a refund. I am not working and need every penny
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Improper use of your report
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Equifax refuses to place security freeze on my account. Their phone system is n't working. Their online system throws errors, and tells me to send them mail. I 've sent them mail, and got a generic response, that I need to send them my personal information, that I just sent to them. 0 information about what was missing.
No ability to speak with any human. They 're only credit agency that refuses to put a security freeze.
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Unsolicited issuance of credit card
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I lived in XXXX in XXXX and XXXX. I had an HSBC bank account. In XXXX I moved back to XXXX XXXX and closed my accounts with HSBC. In XXXX of XXXX I received a new credit card from HSBC XXXX, which I did not request. I called the XXXX office and they said they could not help me because telephone security is not set up. I then called the US phone number and they wo n't help me because it 's a XXXX based account.
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Improper use of your report
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Hello, i have more than 30 hard inquiries that i dont recognize and it is hurting my credit and interest rates ... becuase it i could not have a better offer from credit card companies and im paying high interest rates. I cant lease a vehicle or buy a house with moderate interest rate.
I would like your help.
Thanks very much XXXX
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Incorrect information on your report
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XXXX XXXX XXXX XXXX XXXX account Opened in XX/XX/2011 credit card is reporting to XXXX the current payment status is " In Collection/Charge-off ''. This is inaccurate. The account has been paid & settled after charge off.
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Problem with a credit reporting company's investigation into an existing problem
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My complaint # XXXX about Chexsystems regarding XXXX XXXX XXXX account # XXXX still has not been resolved. The paperwork provided by XXXX XXXX XXXX does not validate the alleged amount owed ( {$880.00} ). This is my third request for a re-investigation.
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Unable to get credit report/credit score
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I mailed a request for a copy of my credit report using the form provided and completed the information they requested. Experian was the company I requested the report from.
It has been over six weeks, and I have not yet received a credit report from them and they have not been in contact with me.
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Problem with a credit reporting company's investigation into an existing problem
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Both creditor sun trust bank and agency credit report XXXX are not willing to take out the bad report from The account that is not mine! i was just authorized user for sometime for work related and I understand account has been charge off cause the account owner has passed away
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Incorrect information on your report
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Just trying to find out why when you need to find out how where your report use to get goods and if you need to use your own SSN # that it has been damaged or destroyed my credit is so bad after XXXX let out important information that 's I would think that when you need to remove information that 's is incorrect that it should be in your favor but now we are having trouble getting any help with home or personnel credit from any creditors.
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Incorrect information on credit report
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I have as of today received a reporting on my XXXX report for the total amount of {$840.00} from Commonwealth Finance for a medical bill that was deleted over 5 years ago ( I Have proof of when they did this on XXXX ). They keep reselling or re-aging every 2 years or so and reporting this to all bureaus and damaging my credit on in-validated debt. I have proof of previous deletions. This needs to stop and not take over 30 days to investigate.
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Communication tactics
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I am a new resident in XXXX Az. About one month ago I started receiving calls from " Northland Group ''. I have had enough of their calls and blocked their phone number. I went to XXXX and there are over XXXX pages with complaints about this company. This company apparently is looking for a debtor and I owe nothing to anybody. I pay my bills within 30 days. I want them to stop calling my number because I do not think they are looking for me or my family members.
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Dealing with my lender or servicer
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I am in the process of buying a home. My private insurance company will not give me a letter proving that I am currently in deferment with their company.
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Credit monitoring or identity theft protection services
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This account is very old and will like it to be removed immediately from my credit.
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False statements or representation
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Bank of America is reporting an original charge off amount of {$850.00} to all XXXX CRA 's. This was a secured card which I paid {$600.00} down. The limit was {$600.00}. The card was never over the limit and I paid {$250.00} which was considered payment in full of past due balance.
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Incorrect information on your report
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XXXX XXXX turned my cable off next day. I am disputing ( Re- investigation ). The balance is inaccurate. See attached .and I turned in equipment as well. Please update credit file. all 3. inaccurate infornatuon. please adjust or remove.
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Incorrect information on credit report
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The issues I have with Equifax and XXXX is that they failed to properly investigate an account that is on my file ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Department of ED, XXXX XXXX XXXX ). I was told by a representative that they do not have to follow the law and had no resolution to these fraudulent accounts. I asked for copies of the documents they used to verify these fraudulent accounts but to no avail. They refuse to obey the law.
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