2015 - Citibank
Muna July 2015, Citibank yakarayirwa kubhadhara $ 700 mamiriyoni kusvika ku8,8 Million cardholders avo vaishungurudzwa, kutengesa kusakarurama, uye kusaruramisira maitiro anoenderana nekadhi rechikwereti kuwedzerwa kwemari uye kubhadharwa mari yekubhadhara.
Mukudhinda kusunungurwa, CFPB inoshuma Citi uye chimwe chikamu chinotengeswa zvakashambadzirwa nemiti ine 30-day free trial, yakakundikana kubudisa pachena kubhadhara chikwereti kubatsiro, vakanyoresa makadhi makadhi pasina kodzero yakananga, uye vakakundikana kuudza vatakuri vemakadhi pavakanga vasina kukodzera kuwana zvikomborero yevashandi.
Citi inofanirawo kubhadhara vatori vemakadhi avo vasina kukanganisa mhosva yekubhadharwa kwemari yakaderedzwa nokuti makadhi edzimhosva akapiwa mhosva vasina kuziviswa nezvechinangwa chaicho chekubhadhara uye havana kupa misha yekubhadhara.
Citibank inofanirwa kubhadhara vese vane kadhi rakagadziriswa (hapana chiito chinotarisirwa kuti vashandi vemakadhi vagamuchire kudzorera kwavo), kupedzisa kubhadhara mari isina kukodzera uye zvisakarurama, kubhadhara chikwereti che $ 35 kuCFPB, uye chirango che $ 35 kuHhovisi yeKubhadhara yeMari .
2014 - US Bank, GE Capital, uye Bank of America
MunaSeptember 2014, US Bank yakarayirwa kudzorera $ 48 mamiriyoni kune vatengi avo vanotambura nekuda kwemitemo yebhadharo isiri pamutemo inobatanidza kuwedzera kwezvigadzirwa zvemakadhi echikwereti nemimwe michina yebhangi.
Vatori vemadhikiti vaibhadhara mari yechikwata chekuongorora zvikwereti pamberi pebhandi paine chibvumirano chakanyorwa.
Maererano neCFPB, kushandiswa kwekweretheni mabasa, mune zvimwe zviitiko, zvisina kuitwa zvachose kana kusati kwaitwa zvizere uye vadhidhidhi vakabhadharwa nekuda kwemashumi emakore. Mune zvimwe zviitiko, mari yebasa iri yakakonzera vatengesi vemakadhi kudarika chikwereti chavo kana kuti kutongerwa zvisina kunaka.
US Bank haina kupa zvikwereti zvekuongorora zvikwereti zvakananga, asi vakatumira vatengi vanofarira kune kambani yechitatu, Affinion, maererano neCNN Money. Bhizinesi rakagumisa ukama hwayo neApriinion makore maviri akapfuura mushure mekudzidza pamusoro pezvinetso nebhadhiro nemabasa.
ICFPB inoda US Bank kurega kusaruramisira maitiro ekubhadhara, kudzorera mari yakazara $ 48 mamiriyoni kune vanopfuura 420 000 vatengi vakanyoresa mukwereti yekuongorora. US Bank inofanira kubhadhara chikwereti chemadhora mazana mashanu kuCFPB's Civil Penalty Fund uye chirango chemadhora mazana mana kuHhovisi yeKubhadhara yeMari.
Ikozvino vatengi ve US Bank vachawana chikwereti kubhuku ravo uye vekare vatengi vachagamuchira cheki mumakero.
MunaJune 2014, CFPB yakarayira GE Capital Retail Bank kubhadhara $ 225 mamiriyoni kune vatengi avo vainge vashandiswa nekushambadzira kwekunyengedzera kwekuwedzera kwechikwereti zvinokonzera matambudziko uye kusarura kadhi rechikwereti kuti zvigadziriswe pane zvinyorwa zvekare.
Mukutengesa kwayo kuwedzera-pane chikwereti chekudzima chikwereti, GE Capital inonyengerwa vatengi pamusoro pekutengesa mitengo, kubvumirwa, uye nguva yekunyora. GE Capital inofanira kubhadhara $ 56 mamiriyoni kune vatengi vanobatwa nemutambo uyu.
Mukuwedzera, GE Capital yakakundikana kuparadzira chikwereti chayo chekudzima mitero kuvashambadzi avo vakaratidza kuti vanotaura chiSpanish kana vakange vane mazita muPuerto Rico. Uyu mutemo waiva kuputsa Mutemo weEngal Credit Opportunity Mutemo unorambidza vanokweretesa kubva pakusarura vatengesi zvichibva pamatunhu emunyika. GE Capital inotarisirwa kubhadhara madhora 169 mamiriyoni kune vatengi avo vakave varwi vechisarudzo ichi.
ICFPB inoda GE Capital, uyo achangobva kuchinja zita rayo kuva Synchrony Bank, kubhadhara $ 3.5 mamiriyoni.
MunaMuvhuro 2014, Bhizinesi reAmerica rakarayirwa kubhadhara $ 727 Mamiriyoni kune vatengi avo vaishungurudzwa nekutengeserana nekunyengedzera kwekubhadhara kushandiswa kwekadhi nekuchengetedza zvikwereti.
Kwenguva yemakore maviri, vamiririri veBanki America vakatengesa makadhi ekuchengetedza kubhadhara kadhi rechikwereti kune vadhidhiki vane nguva yekutanga yemasikati makumi matatu. Zvisinei, kambani yakatanga kutengesa makadhi makadhi pakarepo. Vashandi veKadhi vakanyoreswa mubasa pakarepo pasinei nokuti vangangobvuma kugamuchira mamwe mashoko. Pakupedzisira, Bank of America telemarketers yakashatisa zvakanakira kubatsirwa kwekudzivirira kubhadhara.
Mukuwedzera kune vatengesi vanonyengera pamusoro pebasa rekudzivirira kubhadhara, Bhizinesi reAmerica rakapa mhosva makadhi makambani ekuchengetedza kwekudzivirira. Muchiitiko ichi, makadhi makadhi akabhadharwa zvikwereti zvekuchengetedza chikwereti zvisati zvave zvatanga kutarisirwa. Vamwe vashandi vemakadhi vaibhadhara chikwereti kune zvikwereti zvisiri pamutemo uye vamwe vakawana mari yekudarika chikwereti chavo.
Mukuwedzera kune $ 727 mamiriyoni ekubhadharwa kune vatengi, Bhizinesi reAmerica rinodiwa kubhadhara $ 20 Mamiriyoni uye $ 25 mumatare ehurumende kuCFPB uye Office of the Comptroller of the Currency.
2013 - GE Capital Retail, American Express, uye Chase
MunaDisemba 2013, GE Capital Retail yakadzingwa kubhadhara $ 34.1 Mamiriyoni kune vadhigiri vemakadhi vakanyora kushandiswa kweCheCredit healthcare kadhi rechikwereti mushure mekunyengedzwa pamusoro pekuda kusingabatsiri. Varwere vanopinda kuti vawane CareCredit kadhi rechikwereti kune vanachiremba, vanachiremba vemazino ', kana mamwe mahofisi evanopa mazano ekurapa kuti vabatsire mari yekuchengetedza utano husingawanikwi neinishuwarenzi. Vatengi vakagadzirirwa chirongwa chekubhadhara kusingabatsiri, apo, chokwadi, ivo vaisayina chirongwa chekuratidza kufarira, icho chinopa chikwereti chakazara kana chikamu chisina kubhadharwa zvakakwana mushure mekunge imwe nguva yenguva.
Vamwe varwere vakanga vasingazivi kuti vaisayina kadhi rechikwereti. Ivo vakatenda kuti ivo vaishanda kunze kwepurogiramu yekubhadhara muimba pamwe nemupi webasa ravo. Sezvo zvakadaro, varwere vakawanda havana kupiwa zvakakodzera kukadhi yemakadhi.
Uyewo munaDisemba 2013, American Express yakarayirwa kubhadhara $ 59.5 mamiriyoni kumakadhi emakadhi emakadhi asingatenderwi kusanganisira kushambadzira kunonyengera uye kubhadhara zvisina kukodzera kwezvimwe zvinhu zvakadai sekudzivirirwa kwekubhadhara uye kuongororwa kwemari.
Vashandi veKadhi vaitungamirirwa kuti vatende kuti mabasa avo ekudzivirira kubhadhara aizopa mari yakawanda yekubatsira kwenguva yakareba kudarika yaive yakapiwa. Mubhadharo wokudzivirira mutengo waifanira kunge usina rusununguko rwekubhadharwa kunopedzerwa neimwe nguva. Vatengi vaitenda kuti zuva iri raiva rebhadharo yenguva dzose nekuda kwezuva iro chakanga chaicho chaicho chekubhadhara zuva rokuguma, zuva rakatangira chikwereti chakafanira.
Amex akakundikana kunyatsotarisa vatengi, kunyanya avo vari muPuerto Rico, pamusoro pemagariro nemamiriro ekudhinda kwaRost Wallet.
Maererano nezvaro, maitiro ekudzivirira kushandiswa kwehutano, Amex akatanga kutengesa vatengi vebasa risati rapera. Iyo kambani yakakundikanawo kuzivisa makadhi makadhi ose matanho anodiwa kuti awane zvose zvinobatsira. Nokudaro, vatengi vaibhadhara zvipo zvavasina kugamuchira. Mune zvimwe zviitiko, mari inokonzera vatengesi kudarika chikwereti chavo uye kubhadhara chikwereti uye mari.
Kubva pakuzivikanwa kwebasa rekuchengetedza mazano kunosanganisira mari yehukwereti yemugove, Amex aifanira kuzivisa vatengi vehurumende yavo kodzero yemushumo wechikwereti. Zvisinei, kujekesa uku hakuna kuitirwa nguva dzose.
Muchiito ichi, American Express yaifanirawo kubhadhara mari ye $ 96 mamiriyoni kune CFPB.
MunaSeptember 2013, Chase Bank uye JP Morgan Chase vakarayirwa kudzorera $ 309 mamiriyoni kune vadhigiri vemakadhi vakange vasina mhosva yekutengesa zvimwe zvinhu. Kubva muna 2005 kusvika muna 2012, Chase vakanyoresa makadhi ekutsvaga maitiro ekutsvaga uye kusanganisa mabasa kunze kwekubvumirana kwakanyorwa kwakabva kune vadhidhiki. Vatori veKadhi vaibhadhara mari isati yasvika (chimwe chinhu chisina kutenderwa pasi pe Fair Fair Billing Act), uye havana kuwana zvizere zvizere zvebasa.
Chase aifanirawo kubhadhara $ 20 mamiriyoni kuCFPB uye kupiwa $ 60 mamiriyoni kuHhovisi yeComptroller yemari.
2012 - Dzidza, American Express, uye Capital One
Muna Gumiguru 2012, Discover Bank yakarayirwa kudzorera mari inodarika $ 200 mamiriyoni kusvika ku3,5 mamiriyoni nevatengi vakanyoresa muChipatimendi Chekudzivirira, Credit Score Tracker, kana Identity Theft Protection services.
ICFPB inoti Discover vakanyorera vatengi vasina kubvumirwa, vakatsausa vatengi pamusoro pemari yezvibasa izvi, vakakundikana kuzarura ruzivo pamusoro pekukodzera kubatsiro, uye vatengesi vanopomerwa vasati vazadzisa vimbiso yavo kutanga kutumira mashoko pamusoro pezvigadzirwa. Mukuwedzera kubhadhara vatengi, Discover inofanirawo kubhadhara $ 14 mamiriyoni kuCFPB uye US Treasury.
MunaSeptember 2012, American Express yaifanira kubhadhara $ 85 Mamiriyoni kusvika ku 250,000 makadhi makadhi nekuda kwezviitiko zvakawanda.
- Bhengi yakakundikana kubhadhara $ 300 bonus yakabatana neAmerican Express Blue Sky kadhi kadhi.
- Vamwe vadhidhidhi vaipomerwa mhosva yakawandisa yekukwereta.
- Vakaputsawo Mutemo weEngal Credit Opportunity Act vachishandisa makore sechimwe chinhu muchikwereti chekuchengetedza zvikwereti asi vasingakwanisi kushandisa mamiriro avo kune avo vanopfuura makore 35.
- American Express subsidiaries yakaita kuti vamwe vatengi vatende kuti vanogona kuvandudza chikwereti chavo nekubhadhara chikwereti chakare apo mabhuku acho akange asina kupfuura chikwereti chekuzivisa chikamu nguva , iyo makore manomwe emhando zhinji dzechikwereti. Chikwereti chako chikwanganiso hachina kukonzerwa nekubhadhara chikwereti chisingatauri. ICFPB iye zvino inoda American Express kuzivisa vatengi pavanenge vachiunganidza chikwereti chakakwegura zvikuru kuti chirege kuendeswa kunzvimbo yekwereti.
- Vamwe vatengi vakaudzwa kuti vanogona kugamuchira mvumo yekugadzirisa uye vane chikwereti chekuregererwa. Zvisinei, zvikwereti zvacho hazvina kukanganwirwa uye vatengi vakamborambwa neAmerican kadi nekuda kwayo. Kuvatengi ava, American Express inofanira kubhadhara $ 100 uye kutumira chikwata chekare chekubhadhara kadhi rechikwereti. Vashandi vakatobhadhara kugadziriswa kuti vagamuchire kadhi rechikwereti vachawana kubhadharwa kwechikwereti ichocho chabhadhara pamwe nekufarira.
American Express inofanirawo kubhadhara $ 27.5 muhomwe yemari yeCFPB, FDC, Federal Reserve, uye Office of the Comptroller of Currency.
Muna July 2012, Capital One yakarayirwa kubhadhara $ 140 mamiriyoni kune vanenge vane mamiriyoni maviri emakadhi mushure mekupa kadhi yakanyengedza vatengi mukutenga mamwe mabasa ekuwedzera, sekuita zvirongwa zvekuchengetedza kubhadhara uye kugadzirisa chikwereti .
Maererano neCFPB, Capital One yakatsausa vatengi pamusoro pezvibatsiro zvebasa racho, yakakundikana kuzivisa vatengi kuti zvibvumirano zvaisarudzo, zvakakundikana kuzivisa vamwe vatengi vakanga vasina kukodzera kuwana rubatsiro rwemashumiro, vakatsauswa kufunga kuti maitirwo acho akasununguka, uye akanyora pasina kubvumirwa.
Mukuwedzera, Capital One yakaita kuti zvive zvakaoma uye zvisingabviri kune vamwe vadhidhidhi kuti vasiye mabasa.
Mukuwedzera kune $ 140 mamiriyoni, Capital One yaifanira kubhadhara $ 25 mamiriyoni kuCFPB uye kudarika $ 35 mamiriyoni kuHhovisi yeKubhadhara yeMari.
Kudzorera Mitezo
Muchiitiko chimwe nechimwe, kudzorerwa kwakagadzirwa zvisiri nyore pasina chiito chakakosha kune chikamu chevatakuri vemakadhi vakagadzikana. Vaya vakanga vachiri vatengi vekukanganisa kadhi rechikwereti vaizopiwa chikwereti kune avo maakaiti. Vaimbova vatengi vaizogamuchira cheki mumakero muhuwandu hwekubhadhara kwakakodzera. Bata kadhi rechikwereti zvakananga kana iwe uchitenda iwe une kodzero yokubhadhara asi hauna kugamuchira imwe.