Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Complaint Regarding Overpayment and Incorrect Charges on XXXX XXXX Credit Card Account Dear Sir or Madam : Consumer Financial Protection Bureau , I am writing to seek your assistance in resolving an overpayment issue and incorrect charges on my XXXX XXXX credit card account XXXX 
In approximately XXXX through XXXX, I made several attempts to resolve an overpayment issue for a refund of several overpayments made by me to XXXX XXXX XXXX, and involving XXXX XXXX, and XXXX Bank. An overpayment was confirmed by a XXXX XXXX bank assistant during a walk-in visit to their branch in XXXXXXXX XXXX XXXXXXXX. During the visit, the assistant confirmed that my account had been overpaid and that the credit card in the amount of {$1600.00} was paid for in full. 
Despite XXXX XXXX and the other Banks mentioned above ignoring my dispute of the fraudulent activity. I called the Banks XXXX to 5 times a week attempting to get the issues resolved. Despite them ignoring my plea for help. I was turned away and left mentally and emotionally confused to a nervous breakdown because I was getting the run around. I was devastated tin finding out there was an oversite in payments I had made to the Bank. With that being said, I have learned in finding out XXXX XXXX Bank had been overpaid throughout the years by me and the fact that the Bank charged me for the credit card repeatedly throughout the years as well. Attached is XXXX of the years : XXXX, XXXX, and XXXX Proving the {$1600.00} was added on at different times when in fact that credit card account was paid to XXXX XXXX Bank. Attached are Bank statements you will see the XXXX yourself. I am separating each of the XXXX attachments by category to help make it easy for you to see. 

Moreover, a Bank XXXX going into XXXX XXXX Credit Card in the amount of {$1500.00} coming from XXXX XXXX Credit card {$1500.00}. At this point in the statement the new balance stating {$1600.00} when I take the payment, I made of {$75.00} from {$1600.00} it equals {$1500.00} the exact amount added back to me again. XXXX XXXX has been lying to me throughout the years creating me to struggle with severe hardship, mental anguish, and XXXX. Not to mention having a lean against my home and judgement against me by another creditor, XXXX Bank. Despite the fact of the matter, XXXX XXXX Bank was not being honest with me prior to destroying my credit report. 

I contacted the Credit Bureaus in XXXX Experian, XXXX, and XXXX to find out that the amount of {$1600.00} was now on my credit report as delinquent. At this point I know something is wrong! ( Attached is the XXXX ) you will find below ( XXXX ) attachments proving I am telling you the XXXX. After contacting the management of XXXX XXXX by phone at the time I also submitted a dispute letter to the credit bureaus in also being denied for what XXXX XXXX added on as nonpayment. 

Once again, In reading about the XXXX XXXX scam of Fraudulent activity and skimming scheme of customers. I emailed the XXXX XXXX site to request a form to submit a claim and was denied again by their Bank. This is the third time and is why I am contacting you. My hands are tied with a lean on my house and my XXXX XXXX being below fair. I am constantly denied everywhere I can not get approved for anything. I am losing my mind literally. I am asking you for your HELP! XXXX below poverty level and I cant find help from anyone. 
This is unfair and unjust XXXX XXXX Bank proved themselves to be fraudsters. How am I supposed to take care of myself. I am a victim of their fraudulent financial mental abuse, and fraudulent schemes to steal peoples money. They are ruining my life. 
( Please see attached proof. ) In the bank credit card statement, I made a walk-in visit to XXXX XXXX XXXX XXXX XXXX XXXX. At this time, the representative confirmed while with no one sitting with her at her desk. I do not remember her name. She stated that she found {$500.00} dollars over payment by me. Despite the fact no one would help me or look at the material I brought to their attention, over time I have been turned away with no one acknowledging the repayment owed to me. XXXX XXXX has not refunded the {$500.00} overpayment and more. Instead has now marked the account as delinquent with the credit bureau and has negatively impacted my credit report. 
Much more, XXXX XXXX has been involved in financial fraud, criminal and civil investigations into sales practices involving millions of accounts without customer authorization. This included using existing customers identities without their consent to open checking and savings, debit card, credit card, bill pay and global remittance accounts. Moreover, XXXX XXXX opening Accounts without authorization, creating Pins to activate unauthorized debit cards, moving money from millions of customer accounts to unauthorized accounts. And altering the customers contact information so they would not find out. XXXX XXXX fraudulent practices also included forging customer signatures to open fraudulent accounts thus resulting in a {$3.00} XXXX payment as part of a deferred prosecution agreement in a criminal matter, settlement of civil claims under XXXX, and resolution of XXXX  proceedings as stated in the article from the XXXX XXXX and dated XX/XX/XXXX. ( I XXXX XXXX sited this page from XXXX internet and the XXXX XXXX. ) I have made numerous attempts to resolve this matter directly with XXXX XXXX, in learning from the Article mentioned above I sent an email to request an application form for repayment, in which I was denied. I am seeking your help to recover the {$500.00} overpayment and for XXXX XXXX to correct the incorrect charges the delinquency on my credit report and rectify the incorrect credit card charges. 
I have attached copies of all relevant documents, including bank statements, correspondence with XXXX XXXX, and proof of the overpayment confirmation by the bank assistant. 
I appreciate your attention to this matter and look forward to your assistance in resolving this issue promptly. Thank you for your time and help. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation