Echelon Financial, Inc. Complaint: Credit reporting #1592002

Warning (512): SplFileInfo::openFile(/var/www/html/complaints.millsbomb.com/tmp/cache/models/myapp_cake_model_default_complaints): failed to open stream: No such file or directory [CORE/src/Cache/Engine/FileEngine.php, line 395]

Code Context

                $this->_File = $path->openFile('c+');
            } catch (Exception $e) {
                trigger_error($e->getMessage(), E_USER_WARNING);

$key = 'myapp_cake_model_default_complaints'
$createKey = false
$groups = null
$dir = '/var/www/html/complaints.millsbomb.com/tmp/cache/models/'
$path = object(SplFileInfo) {
	
}
$exists = true
$e = object(RuntimeException) {
	severity => (int) 2
	[protected] message => 'SplFileInfo::openFile(/var/www/html/complaints.millsbomb.com/tmp/cache/models/myapp_cake_model_default_complaints): failed to open stream: No such file or directory'
	[protected] code => (int) 0
	[protected] file => '/var/www/html/complaints.millsbomb.com/vendor/cakephp/cakephp/src/Cache/Engine/FileEngine.php'
	[protected] line => (int) 393
}

Cake\Cache\Engine\FileEngine::_setKey() - CORE/src/Cache/Engine/FileEngine.php, line 395
Cake\Cache\Engine\FileEngine::read() - CORE/src/Cache/Engine/FileEngine.php, line 184
Cake\Cache\Cache::read() - CORE/src/Cache/Cache.php, line 312
Cake\Database\Schema\CachedCollection::describe() - CORE/src/Database/Schema/CachedCollection.php, line 58
Cake\ORM\Table::schema() - CORE/src/ORM/Table.php, line 429
Cake\ORM\Table::primaryKey() - CORE/src/ORM/Table.php, line 505
Cake\ORM\Table::get() - CORE/src/ORM/Table.php, line 1163
App\Controller\ComplaintsController::view() - APP/Controller/ComplaintsController.php, line 54
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 429
Cake\Routing\Dispatcher::_invoke() - CORE/src/Routing/Dispatcher.php, line 114
Cake\Routing\Dispatcher::dispatch() - CORE/src/Routing/Dispatcher.php, line 87
[main] - ROOT/webroot/index.php, line 41

Warning (512): SplFileInfo::openFile(/var/www/html/complaints.millsbomb.com/tmp/cache/models/myapp_cake_model_default_complaints) [splfileinfo.openfile]: failed to open stream: Success [CORE/src/Cache/Engine/FileEngine.php, line 395]

Code Context

                $this->_File = $path->openFile('c+');
            } catch (Exception $e) {
                trigger_error($e->getMessage(), E_USER_WARNING);

$key = 'myapp_cake_model_default_complaints'
$createKey = true
$groups = null
$dir = '/var/www/html/complaints.millsbomb.com/tmp/cache/models/'
$path = object(SplFileInfo) {
	
}
$exists = true
$e = object(RuntimeException) {
	severity => (int) 2
	[protected] message => 'SplFileInfo::openFile(/var/www/html/complaints.millsbomb.com/tmp/cache/models/myapp_cake_model_default_complaints) [<a href='http://php.net/splfileinfo.openfile'>splfileinfo.openfile</a>]: failed to open stream: Success'
	[protected] code => (int) 0
	[protected] file => '/var/www/html/complaints.millsbomb.com/vendor/cakephp/cakephp/src/Cache/Engine/FileEngine.php'
	[protected] line => (int) 393
}

Cake\Cache\Engine\FileEngine::_setKey() - CORE/src/Cache/Engine/FileEngine.php, line 395
Cake\Cache\Engine\FileEngine::write() - CORE/src/Cache/Engine/FileEngine.php, line 134
Cake\Cache\Cache::write() - CORE/src/Cache/Cache.php, line 234
Cake\Database\Schema\CachedCollection::describe() - CORE/src/Database/Schema/CachedCollection.php, line 67
Cake\ORM\Table::schema() - CORE/src/ORM/Table.php, line 429
Cake\ORM\Table::primaryKey() - CORE/src/ORM/Table.php, line 505
Cake\ORM\Table::get() - CORE/src/ORM/Table.php, line 1163
App\Controller\ComplaintsController::view() - APP/Controller/ComplaintsController.php, line 54
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 429
Cake\Routing\Dispatcher::_invoke() - CORE/src/Routing/Dispatcher.php, line 114
Cake\Routing\Dispatcher::dispatch() - CORE/src/Routing/Dispatcher.php, line 87
[main] - ROOT/webroot/index.php, line 41

Warning (512): _cake_model_ cache was unable to write 'default_complaints' to Cake\Cache\Engine\FileEngine cache [CORE/src/Cache/Cache.php, line 244]

Code Context

                ),
                E_USER_WARNING
            );

$key = 'default_complaints'
$value = object(Cake\Database\Schema\Table) {
	[protected] _table => 'complaints'
	[protected] _columns => [
		'id' => [
			[maximum depth reached]
		],
		'date_received' => [
			[maximum depth reached]
		],
		'product' => [
			[maximum depth reached]
		],
		'sub_product' => [
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		],
		'issue' => [
			[maximum depth reached]
		],
		'sub_issue' => [
			[maximum depth reached]
		],
		'narrative' => [
			[maximum depth reached]
		],
		'company_public_response' => [
			[maximum depth reached]
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		'company' => [
			[maximum depth reached]
		],
		'state' => [
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		'zipcode' => [
			[maximum depth reached]
		],
		'tags' => [
			[maximum depth reached]
		],
		'consumer_consent' => [
			[maximum depth reached]
		],
		'submitted_via' => [
			[maximum depth reached]
		],
		'date_sent_to_company' => [
			[maximum depth reached]
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		'company_response_to_customer' => [
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		],
		'timely_response' => [
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		],
		'consumer_disputed' => [
			[maximum depth reached]
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		'complaint_id_original' => [
			[maximum depth reached]
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	[protected] _typeMap => [
		'id' => 'integer',
		'date_received' => 'string',
		'product' => 'string',
		'sub_product' => 'string',
		'issue' => 'string',
		'sub_issue' => 'string',
		'narrative' => 'text',
		'company_public_response' => 'string',
		'company' => 'string',
		'state' => 'string',
		'zipcode' => 'string',
		'tags' => 'string',
		'consumer_consent' => 'string',
		'submitted_via' => 'string',
		'date_sent_to_company' => 'string',
		'company_response_to_customer' => 'string',
		'timely_response' => 'string',
		'consumer_disputed' => 'string',
		'complaint_id_original' => 'integer'
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	[protected] _indexes => [
		'company' => [
			[maximum depth reached]
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	[protected] _constraints => [
		'primary' => [
			[maximum depth reached]
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	[protected] _options => [
		'engine' => 'InnoDB',
		'collation' => 'utf8_general_ci'
	]
	[protected] _temporary => false
	[protected] _columnKeys => [
		'type' => null,
		'baseType' => null,
		'length' => null,
		'precision' => null,
		'null' => null,
		'default' => null,
		'comment' => null
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	[protected] _columnExtras => [
		'string' => [
			[maximum depth reached]
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		'integer' => [
			[maximum depth reached]
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		'biginteger' => [
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		'decimal' => [
			[maximum depth reached]
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		'float' => [
			[maximum depth reached]
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	[protected] _indexKeys => [
		'type' => null,
		'columns' => [[maximum depth reached]],
		'length' => [[maximum depth reached]],
		'references' => [[maximum depth reached]],
		'update' => 'restrict',
		'delete' => 'restrict'
	]
	[protected] _validIndexTypes => [
		(int) 0 => 'index',
		(int) 1 => 'fulltext'
	]
	[protected] _validConstraintTypes => [
		(int) 0 => 'primary',
		(int) 1 => 'unique',
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	[protected] _validForeignKeyActions => [
		(int) 0 => 'cascade',
		(int) 1 => 'setNull',
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		(int) 3 => 'noAction',
		(int) 4 => 'restrict'
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}
$config = '_cake_model_'
$engine = object(Cake\Cache\Engine\FileEngine) {
	[protected] _File => null
	[protected] _defaultConfig => [
		'duration' => (int) 3600,
		'groups' => [[maximum depth reached]],
		'isWindows' => false,
		'lock' => true,
		'mask' => (int) 436,
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		'prefix' => 'cake_',
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		'serialize' => true
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	[protected] _init => true
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		'groups' => [[maximum depth reached]],
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		'prefix' => 'myapp_cake_model_',
		'probability' => (int) 100,
		'serialize' => true,
		'url' => null
	]
	[protected] _configInitialized => true
}
$success = false

Cake\Cache\Cache::write() - CORE/src/Cache/Cache.php, line 244
Cake\Database\Schema\CachedCollection::describe() - CORE/src/Database/Schema/CachedCollection.php, line 67
Cake\ORM\Table::schema() - CORE/src/ORM/Table.php, line 429
Cake\ORM\Table::primaryKey() - CORE/src/ORM/Table.php, line 505
Cake\ORM\Table::get() - CORE/src/ORM/Table.php, line 1163
App\Controller\ComplaintsController::view() - APP/Controller/ComplaintsController.php, line 54
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 429
Cake\Routing\Dispatcher::_invoke() - CORE/src/Routing/Dispatcher.php, line 114
Cake\Routing\Dispatcher::dispatch() - CORE/src/Routing/Dispatcher.php, line 87
[main] - ROOT/webroot/index.php, line 41

#1592002 4 Oct 2015

Credit reporting

Complaint #1592002 submitted on 10/04/2015 relating to Echelon Financial, Inc.. Complaint relates to Credit reporting - Credit reporting company's investigation Problem with statement of dispute.

Complaint was submitted via Web and sent to the company on Tuesday 6th October 2015.

Narrative (may be redacted).

I received an email from the company " XXXX to sample their genealogical services. When I entered their website, there was a banner from " MyScore '' at the XXXX website to check your credit score for free. I decided to check out the free credit score request given by MyScore. When I entered MyScore website, it immediately led me to give my credit card information, in order to get my credit score. It also started that there was a XXXX access to my credit information and that I could cancel anytime before the end of the XXXX, either by calling them or contacting by email. Understanding that, I gave my credit card information, got my score information and then informed ( I believed ) MyScore of my wish to cancel my XXXX access. I received a reply via XXXX as a confirmation of my cancel request. I later found out that MyScore credited {$29.00} from my account as payment for the credit service membership, which I thought was cancelled. I called the company and informed that I believed I cancelled the service before the end of the XXXX access. I was told that they did n't received any cancel request from me, though I have received such a request from XXXX. I never sign up for any services from XXXX in any shape or form, especially for the money they were asking nor did I gave XXXX my credit card information for such services since already had such genealogy services done from XXXX already!. I believe that MyScore will give the runaround in refunding my {$29.00} to my account, saying I received an cancel confirmation from XXXX for services I applied for with them, when I know I did n't. I never received any email conforming XXXX credit access from MyScore & yet, they have access to my credit account. The only thing I have is the cancel request confirmation from XXXX, after I thought I cancel my credit access the same day I sign up with MyScore!.

Company	Echelon Financial, Inc.
Complaint ID	1592002
Date Received	10/04/2015
Product	Credit reporting
Issue	Credit reporting company's investigation Problem with statement of dispute
State/ZIP Code	CA 958XX
Consumer Consent	Consent provided
Company Public Response
Company Response To Customer	Closed with monetary relief
Submitted	Web 10/06/2015
Result	Timely Response: Yes, Consumer Disputed: No

Echelon Financial, Inc. Complaint: Credit reporting company's investigation

#1592002 4 Oct 2015

Credit reporting

Narrative (may be redacted).

Have you dealt with Echelon Financial, Inc.?