davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on MACYS/DSNB. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

XX/XX/year> XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, NY XXXX ACCOUNT # : XXXX Dear MIDLAND CREDIT MANAGEMENT, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY.

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING.

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL, FTC, OCC AND CFPB.

THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I discovered some accounts on my credit report that did not be long to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and found out that the disputed accounts were still there, These accounts are as follow XXXX XXXX XXXX XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) these accounts are not mine and they are reporting on my XXXX and TransUnion credit report, I am now reaching out the CFPB, because I am just tired of this Bureau, I need these accounts off of my credit report
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

After several Attempts Im trying to remove these unauthorized inquiries of my credit report Equifax want every time I called it was poor service and they gave me the runaround never got it correct answer And which day inquiries are not accurate the dates are. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE BROKE INTO MY CAR WHILE I WAS AT A CONVENTION IN TEXAS WITH A GROUP FROM XXXX, MISSOURI. I BELIEVE IT WAS SOMEONE FROM THE GROUP BRCAUSE OF THE LOCATION OF THE ACCOUNTS. THEY ACUIRED A BANKRUPTCY IN MY NAME, IT WAS XXXX, BUT IT IS STILL NOT MINE, ITS REPORTING ON MY XXXX  CREDIT REPORT. THEY GOT VEHICLES IN MY NAME ALONG WITH STUDENT LOANS. IT IS EVIDENT THEY HAVE BEEN DOING THIS FOR A WHILE, I DIDNT FIND OUT UNTIL A COMPANY PULLED MY CREDIT, I RARELY CHECK MY CREDIT REPORT.THE FOLLOWING COMPANIES WERE FRAUDULENTLY OPENED IN MY NAME : XXXX   XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI STUDENT LOANS # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI/ STUDENT LOANS OPENED : XX/XX/XXXX XXXX. XXXX XXXX/ XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX   OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX # XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX   XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX CHAPTER XXXX BAMKRUPTCY XXXX # XXXX DATE FILED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENT OPENED IN MY NAME : US SM BUS ADMIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2024-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

In XX/XX/XXXX Nelnet initiated and then cancelled a second payment to my student loan account, over and above the payment that I had already scheduled. Nelnet then marked my account delinquent, claiming that my loans were past due, even though I had paid the full amount due on time. When I called them, they claimed that my payment had been " misallocated. '' It took me three weeks, several hours on the phone with Nelnet, and a CFBP complaint to get them to " reallocate '' the payment, even thought he first rep I spoke to said it would take at most three days. My Statement from Nelnet dated XX/XX/XXXX shows all loans paid on time and a " current amount due '' of {$180.00}, due for payment on XX/XX/XXXX. I have already scheduled this payment, but nevertheless received notice from Nelnet on XX/XX/XXXX that my account is past due. Apparently Nelnet has once again arbitrarily " relocated '' or " misallocated '' my last payment, this time doing so after that had already issued my monthly statement reflecting that all loans were paid on time. The payment in question was for the full amount due, {$180.00}. It was made on XX/XX/XXXX. The statement, confirming a " Past Due Amount '' of {$0.00} was issued on XX/XX/XXXX ( see attached ). My account presently shows a past due balance of {$19.00}, even though my due date for this billing cycle is still three days away.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE BROKE INTO MY CAR WHILE I WAS AT A CONVENTION IN TEXAS WITH A GROUP FROM XXXX, MISSOURI. I BELIEVE IT WAS SOMEONE FROM THE GROUP BRCAUSE OF THE LOCATION OF THE ACCOUNTS. THEY ACUIRED A BANKRUPTCY IN MY NAME, IT WAS DISCHARGED,  BUT IT IS STILL NOT MINE, ITS REPORTING ON MY XXXX  CREDIT REPORT. THEY GOT VEHICLES IN MY NAME ALONG WITH STUDENT LOANS. IT IS EVIDENT THEY HAVE BEEN DOING THIS FOR A WHILE, I DIDNT FIND OUT UNTIL A COMPANY PULLED MY CREDIT, I RARELY CHECK MY CREDIT REPORT.THE FOLLOWING COMPANIES WERE FRAUDULENTLY OPENED IN MY NAME : ALLY FINANCIAL # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI STUDENT LOANS # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI/ STUDENT LOANS OPENED : XX/XX/XXXX XXXX. XXXX XXXX/ XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  XXXX SERVICING OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX CHAPTER XXXX BAMKRUPTCY REFERENBSSCE # XXXX DATE FILED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENT OPENED IN MY NAME : US SM BUS ADMIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (NY)

This account is fraudulent. I did a settlement with Mariner, and I do not owe Mariner any balance. I did an online dispute with XXXX, and they did not address my request for the removal or XXXX balance on negotiated account. 

When I disputed, they changed the reported balance from {$460.00} to {$230.00}, instead of a XXXX balance.

They continue to affect my score and as per the Fair Credit Reporting Act and my financial counselor this is illegal practice.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Unioncreated a new premium checking account with a XXXX XXXX/mo fee and auto enrolled their clients in it automatically. 

I do not want this service and would rather keep my free account and forgo the premium features. 

A company should not secretly subscribe members to a paid service. This should be an opt in scenario
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

America First Credit Union informed members of a required change to a {$6.00} fee service that we were all automatically enrolled in. No attempt has been made by the company to inform me of this change, found out through local news. Attempted contact and was told it was the best option for me as a customer. This is unacceptable behavior from a seemingly reputable institution such as a credit union thats business is to manage, not waste, customers money.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (WA)

I.had XXXX  ( chime ) linked to my XXXX XXXX I unlinked it and addad my XXXXXXXX XXXX i cashed out from XXXX XXXX they sent money to XXXX I tried having them fix there error. Then contacted XXXX Where the found my account was helping me update info then sent me a link to verify myself i did then called back to gain acces to my account where they said they cant locate my accoumnt i even tried to give aquires reference number they refused to take it refused to transfer to manager. Just kept repeating they couldnt find account then didnt even respond and for 2nd time just hung up on me
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (WA)

I call agent XXXX on the phone run for me a quote for my auto insurance and home insurance together around XX/XX/21 I want insurance beginning on XX/XX/21 Because I want change my insurance XXXX wil expired on XXXXgo XXXX if cheaper so When he run a quote done he tell me if you want get discount you had to pay full amount now I agree I give him my bank router and account number But some how they can withdraw my money from my account they are sending a letters my insurance will not affect on XX/XX/21 Even I call them to pay full amount on XX/XX/21 they didnt accept because they said I have to pay more only discount if we can took your money 2 week before So I aslo keep my XXXX insurance on XX/XX/21 until now Few months I see a bill from XXXX I call XXXX I ask why I owned money from XXXX because XXXX cancel the insurance from the beginning Right now they send me credit collections services Can you help me out? 
Any questions you can reach me by text XXXX Email XXXX XXXX
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I XXXX XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im stressed because my consumer profile is vital in todays world, I cant get a second job to support my family due to these fraudulent accounts and unauthorized inquiries. I filled out an Identity Thief report see enclosed.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (TX)

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's essential for consumer reporting agencies like XXXX and XXXX to handle their responsibilities with fairness and respect for privacy. As a consumer, I have the right to ensure my private information remains secure, supported by 15 USC 6801, which emphasizes the obligation of financial institutions to protect customer privacy. Section 604a ( 2 ) of 15 USC 1681 specifies that consumer reporting agencies can only furnish reports with the explicit written consent of the consumer. I haven't provided such consent to XXXX, XXXX, or any financial institution. Additionally, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers about their right to withhold personal information, which was not done by the information furnishers. Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information without authorization, which they've done unlawfully. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, and XXXX and XXXX are not maintaining adequate procedures to prevent violations. Lastly, according to 12 CFR 1016.7, consumers have the right to opt out at any time, and I am exercising that right regarding their reporting services.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

there was a check that was deposited into my account that I no ideal of te deposit or how its deposit was made XXXX it showed in my account. right away my account was look down and fund unable to withdraw. good that not te problem the problem is there action with out fact of being aware of this happen and was thought to help these people out that made the deposit. this its far from the truth I no way of knowing and no way to stop this from this happening. what they dont know is that I refused to cash. any check or let them XXXX my account for reason a battle I been facing with for mouth from these people. the reason they had my acct # and routing was for direct deposit of transfer, it wasn't to let them use my account freely as capital one project it to. they fine me to high risk for nothing wrong all because I had a problem with a bank before going to them. I been judged for things that I had no control over at all and they took my account they hold over XXXX $ of my money from transaction that was procession at the same time and there assuming once more that I m doing bad deal. and they will not return my calls or talk to me in anyway. I done nothing and I only tried to work with them only to be judged as the crook. I think I have law suit and every right to file this complete. just because I was stuiped once dont mean I doing things wrong. as it is now I m receiving death threats and other threat from the people thst Made that deposit claiming i have the money and now I affsired to leave my home. and I can't get help because how'd you stop a ghost. I m being harassed my money is frozen a closed account and no-one XXXX care me.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

XXXX account on my credit report shows my old account was closed after a settlement, I did not do any settlement. I paid in full when I closed my account. 
I sent XXXX the letter from XXXX, where its says this account will be considered paid in full I paid a total of {$160.00} on XXXX XX/XX/2021 I spoke with XXXX at XXXX recovery department ( her team number is XXXX ) on XXXX XX/XX/2021 XXXX from XXXX customer service documented on my account ********** I also called XXXX  several times, sent them all the documents they need, they are still putting account was closed in a settlement which is not correct. 
Please help me to remove this from my credit report. 
I hope you understand. 
Thank you. 
Sincerely ~ XXXX
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have contacted all three bureaus in reference to the inaccurate info XX/XX/XXXX and I have been very patient with the bureaus. It has impacted my credit score as well as my interest rates on my loans and credit cards. I have also requested that it be removed or corrected and it has not been done as of XX/XX/XXXX. This has been a very overwhelming issue.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kashable LLC (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 
XXXX XXXX $ XXXX-Date Opened : XX/XX/2020 XXXX XXXX  $ XXXX-Date Opened : XX/XX/2020 XXXX XXXX $ XXXX-Date Opened : XX/XX/2020 XX/XX/XXXX
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I went into a bank and opened a savings account that was supposed to protect my account from being overdrawn. Turns out, the savings account was opened only in my wifes name and so this account keeps getting overdrawn. Not only that, but I am also late on all my bills and it may impact my credit! I am requesting to please reimburse the overdraft fees, and I will go into a branch and link this account to our savings account. Also, I had requested that at any time if this account is low, to pull funds from my other account ending in XXXX. 
These are the overdraft dates XX/XX/XXXX- Overdraft XX/XX/XXXX- Returned fee ( I did not authorize a XXXX payment ) ^^ Being charged over {$60.00} fee on an item I did not even authorize to charge. 
XX/XX/XXXX- Overdraft XX/XX/XXXX-Overdraft XX/XX/XXXX-Overdraft Also, monthly fees of {$12.00} would be waved if it was linked to our savings accounts.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian Business is reporting that XXXX XXXX XXXX has a derogatory account / open lien, which is not true. On XX/XX/2022, I disputed this negative, inaccurate and erroneous information with Experian Business. I disputed the Lien that Experian is listing on XXXX XXXX XXXX XXXX credit report, which is inaccurate. Experian Business hasn't removed this inaccurate and negative information from the business credit report ( XXXX ), which is negatively affecting the business credit scores and profile.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

This complaint involves XXXX XXXX Credit Card : On XX/XX/XXXX I made an online payment of {$130.00} to may credit card account ( I make payments on the XXXX of the month every month usually more than the minimum due without fail ) On XX/XX/XXXX I get an email notice saying my payment is late so I log back into the acct and do not see a payment made so I schedule another payment, On XX/XX/XXXX when I check there is a payment pending for {$130.00} from XX/XX/XXXX and one for {$130.00} on XX/XX/XXXX, called XXXX  XXXX to see if they could reverse a payment since they were both pending and was informed they could not and I would have to call my bank. 
Called my bank ( XXXX ) and because I have been a good customer for years they reversed the payment. 
2 Weeks later I get a notification that my online acct has been " temporarily suspended '' from XXXX  XXXX, I call and they said due to my " payment being returned for NSF '' my online acct was suspended but I could still make payments over the which I have done since. 
Yesterday I receive a credit alert that they have charged my account out to a collections agency because of the double payment they posted and they my bank reversed. 
I am scheduling an appointment with a lawyer and getting a letter from my bank stating the payment was reversed by the bank d/t an error that XXXX XXXXXXXX made in double posting the payment and not removing when I asked. The reversed payment had nothing to do with NSF as there were plenty of funds in my account. 
Also as a last not after the XX/XX/XXXX payments that were double posted I paid my XXXX and XXXX payments over the phone and on time. I have NEVER received any communication whatsoever that my account was being closed or charged off to a collection agency, and since my online access had been blocked and I was paying over the phone I had asked multiple times that I receive paper statements in the mail so I could monitor my account which I never received. I feel this is Fraudulent Business practices by XXXX XXXX Credit Card.