{"took":1743,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":8,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16723741","_score":21.254814,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX i used XXXX  to purchase a product from the merchant XXXX. When the product arrived i immediately saw that it was not what i ordered. I contacted the merchant to let them know they sent the wrong hair and if i could receive the return address and do an exchange because i know accidents happen. On merchant 's website it explicitly said you must contact before returning product because return and shipping address is not the same. The merchant replied several times that their product is the best and i should be satisfied and keeps trying to give me a gift card to purchase more hair versus return and get what i ordered. When i stood my ground and said no i want the return address only they responded asking why is a {$70.00} gift card for more hair that cost over {$320.00} not making me happy. I reported it to klarna who refuses to help me unless i provide them a tracking number. I have made it aware with screenshots of emails and the merchants return policy on their website and klarna tells me without a tracking number they can not help me. They are allowing me to be scammed by their merchant instead of reaching out to them to see if they can get the return address like they told me they would. I waited the 21 days like klarna asked me to and they closed my investigation since i did not provide tracking. I have reopened the investigation and klarna still insists i provide tracking after numerous times i have told them the merchant refuses to give me the address and this product is not even close to what i ordered.","date_sent_to_company":"2025-10-21T14:16:33.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"16723741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Klarna AB","date_received":"2025-10-21T13:51:59.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I contacted the merchant to let them know they sent the wrong hair and if i could receive the return address and do an <em>exchange</em> because i know accidents happen. On merchant 's website it explicitly said you must contact before returning product because return and shipping address is not the same. The merchant replied several times that their product is the <em>best</em> and i should be satisfied and keeps trying to give me a <em>gift</em> <em>card</em> to purchase more hair versus return and <em>get</em> what i ordered."],"product":["Credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["Credit <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[21.254814,"16723741"]},{"_index":"complaint-public-v1","_id":"21316118","_score":19.161808,"_source":{"product":"Credit card","complaint_what_happened":"Basically I was trying to go activate a gift XXXX membership card for a year that I received from my mom for XXXX. This older lady at the XXXX customer service counter proceeded to basically push me to buy a full membership and get the card even though I stated reluctance and not in much of a best situation for one. She proceeded with her sales pitch and talked about getting the credit card to activate it now and pay for the XXXX $ membership and that I could use the in store funds that new members and college students get as bonuses to pay the fee. Which together those bonuses were XXXX XXXX Which obviously sold me since I was under the impression I could use that to pay the fee. As time went on and the bill came up I proceeded to call and ask the customer service how I could use the bonuses ( which were sent to my email ) to pay off the bill. The lady over the phone stated that was not a thing and proceeded to be standoffish, I persisted in trying to understand explaining what I was told at the counter by one of her coworkers. And she proceeded to only help by telling me that I could possibly bring it in and exchange them at customer service for a different type of cash or card option to pay off the bill ( not direct quote just the general meaning and wordage as we had a back and forth. ). So I proceed to go into the same store this all started in and talk with a younger gal who seemed slightly new. And she proceeded to tell me that none of what I heard on the phone was an option either. So now I have a debt I cant pay off due to either a miscommunication with in the staff, or between me and the gal who I kept asking if I could sue the institution stuff to pay it off and said yes.\n\nThis is my first credit card and Im honestly just confused lost upset and scared because of how important Credit scores are.","date_sent_to_company":"2026-04-16T20:05:40.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"59801","tags":null,"has_narrative":true,"complaint_id":"21316118","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-04-16T19:41:48.000Z","state":"MT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["Basically I was trying to go activate a <em>gift</em> XXXX membership <em>card</em> for a year that I received from my mom for XXXX. This older lady at the XXXX customer service counter proceeded to basically push me to buy a full membership and <em>get</em> the <em>card</em> even though I stated reluctance and not in much of a <em>best</em> situation for one."],"product":["Credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[19.161808,"21316118"]},{"_index":"complaint-public-v1","_id":"5180598","_score":13.807875,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Coinbase Compliance KYC team ( XXXX ) started sending me emails on XX/XX/XXXX requesting me sensitive documents in order to avoid getting my Coinbase 's account restricted. \n\nThese were the requested documents : 1. Please provide additional details around your current or previous occupation/any businesses you own/are involved in. Please also provide supporting documentation, eg. a payslip issued within the last 3 months or a letter from your Human Resources department confirming your employment. \n2. Please confirm the source of funds deposited into your Coinbase account and provide us with supporting documentation, ( e.g. a payslip, statements from other exchanges, loan agreement, credit card statements, screenshot of transactions from an unhosted wallet. ) 3. Please confirm the primary source ( s ) through which your overall wealth/net worth was generated and provide us with supporting documentation ( e.g., a pay slip ; brokerage/investment statement ; home sale document, probate or conveyancing document, copy of Will, Grant of Probate, Gift Letter etc ). If your source of wealth originated from investing in crypto or other investments, please provide additional supporting documentation showing the initial investments resulting in your wealth.\n\n4. Please provide us with 3 months worth of bank statements, issued within the last 4 months. \n\nThis kind of emails are suspicious and look like phishing to my eyes and experience, so I ignored them even though Coinbase Compliance team sent me remainders every 5 days. \n\nOn XX/XX/XXXX I've got my account restricted, and I realized that those emails were legit and should have been taking in consideration, so I proceeded to send all the information and documents on XX/XX/XXXX, following their steps : 1. Upload documents to our secure SendSafely portal https : XXXX {! Case.CaseNumber 2. Use the same email address that's associated with your Coinbase account 3. Use a desktop browser ( XXXX XXXX works best ) rather than a mobile browser if possible First response was on XX/XX/XXXX, asking me for the same documents again. \nThe second response was on XX/XX/XXXX, it was a 5-day reminder asking for the same documents again. \nThird and last response was on XX/XX/XXXX, it was what it looked like a default response telling me they'd received my documents, so I had to wait. \n\nSo after 11 emails sent asking for updates or information, that's all I've got. \n\nMy account remains restricted after providing the requested documents 31 days later.","date_sent_to_company":"2022-02-03T15:04:20.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5180598","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2022-02-03T13:23:42.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Please confirm the source of funds deposited into your Coinbase account and provide us with supporting documentation, ( e.g. a payslip, statements from other <em>exchanges</em>, loan agreement, credit <em>card</em> statements, screenshot of transactions from an unhosted wallet. ) 3."]},"sort":[13.807875,"5180598"]},{"_index":"complaint-public-v1","_id":"8122311","_score":10.007046,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express XXXX XXXX XXXX XXXX XXXX American Express XXXX XXXX XXXX XXXX American Express XXXX XXXX XXXX XXXX XXXX XXXX American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF LITIGATION Securities Fraud Dear American Express Financial Services , You are governed by the Security Exchange Commission ( SEC ) and the laws of the State of New York. \n\nI, XXXX XXXX was denied and received an adverse action letter today for an extension of credit by American Express National Bank on XX/XX/XXXX. I applied for a credit card that I wanted. I have invested in this account with good faith and clean hands. Im here to accept all lines of credit, titles, and interest on this account. I have attached your American Express PROSPECTUS and Indenture agreement where it states that my note is turned into receivables which is then turned into in Asset back security. I provided American Express a security interest which is an obligation of the UNITED STATES, which makes it cash and Im not receiving valuable consideration for that. The consideration can not be miniscule consideration effectively masking a gift as a contract. I received a letter stating that you cant retract my application however you are transferring and trading the securities on the secondary market which is security fraud. Lets make this right and open my account open ended. You have 3 business days to respond to this matter. \n\nPer the Prospectus dated XX/XX/XXXX American Express XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) Issuing Entity - It states that Since this letter was sent to me dated XX/XX/XXXX is both proof and evidence that I have been discriminated against, and youre criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered security fraud since I have received NO BENEFIT. \nIf there are any concerns than you can retract my note that I sent using my social security or to my understanding, we can than start to discuss security fraud. I have ran a forensic audit report that I will use to the highest extent possible if there is a delay, and then I can tell everyone to get audits done to see whats going on with their credit card, auto, mortgage and any other loan they have with you if you dont give me whats right. I want both of my cards opened immediately. \n\nPer the trust indenture act of 1934 -section 307 - An application may be withdrawn by the applicant at any time prior to the effective date thereof. Subject to the provisions of section 321, the information and documents contained in or filed with any application shall be made available to the public under such regulations as the Commission may prescribe, and copies thereof, photostatic or otherwise, shall be furnished to every applicant therefore at such reasonable charge as the Commission may prescribe. \nPer the Securities Act of 1933 - Section 5 and Section 12 ( a ) ( 1 ) allow purchasers to sue sellers for offering or selling a non-exempt security without registering it. As long as the purchaser can prove a direct link between the purchaser and the seller, and the suit is within the statute of limitations, the purchaser may obtain rescission with interest, or damages if the investor sold his securities for less than he purchased them.\n\nPer the Security exchange act of 1934 -Section -page 10 ( iii ) ASSET-BACKED TRANSACTIONS.The bank engages in the issuance or sale to qualified investors, through a grantor trust or other separate entity, of securities backed by or representing an interest in notes, drafts, acceptances, loans, leases, receivables, other obligations ( other than securities of which the bank is not the issuer ), or pools of any such obligations predominantly originated by ( I ) the bank ; ( II ) an affiliate of any such bank other than a broker or dealer ; or ( III ) a syndicate of banks of which the bank is a member, if the obligations or pool of obligations VerDate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSEC\\SECURITIES EXCHANGE ACT OF 1934XXXX As Amended Through P.L. XXXX, Enacted XX/XX/XXXX XXXX1 Sec. 3 SECURITIES EXCHANGE ACT OF 1934 5 Replaced by 12 U.S.C. 92a. Printed in appendix to this volume. \nconsists of mortgage obligations or consumer-related receivables. \nPer the Security exchange act of 1934 -Section 7 -page 83 ( c ) UNLAWFUL CREDIT EXTENSION TO CUSTOMERS. ( 1 ) PROHIBITION.It shall be unlawful for any member of a national securities exchange or any broker or dealer, directly or indirectly, to extend or maintain credit or arrange for the extension or maintenance of credit to or for any customer ( A ) on any security ( other than an exempted security ), except as provided in paragraph ( 2 ), in contravention of the rules and regulations which the Board of Governors of the Federal Reserve System ( hereafter in this section referred to as the Board ) shall prescribe under subsections ( a ) and ( b ) ; or ( B ) without collateral or on any collateral other than securities, except in accordance with such rules and regulations as the Board may prescribe ( i ) to permit under specified conditions and for a limited period any such member, broker, or dealer to maintain a credit initially extended in conformity with the rules and regulations of the Board ; and ( ii ) to permit the extension or maintenance of credit in cases where the extension or maintenance of credit is not for the purpose of purchasing or carrying securities or of evading or circumventing the provisions of subparagraph ( A ). \n\nPer the Prospectpus S-8-Further Issues We may from time to time, without notice to or the consent of the registered holders of the notes, create and issue further notes ranking on an equal basis with the notes being offered hereby in all respects ( or in all respects except for the payment of interest accruing prior to the issue date of such further notes or except, in some circumstances, for the first payment of interest following the issue date of such further notes ). Such further notes shall be consolidated and form a single series with the notes being offered hereby and shall have the same terms as to status, redemption or otherwise as the notes being offered hereby. \n\nPer the Prospectpus S-9-Book-Entry, Delivery and Form We will issue the notes in the form of one or more fully registered global notes in minimum denominations of {$2000.00} and integral multiples of {$1000.00} in excess thereof. We will deposit the notes with, or on behalf of, XXXX and will register the notes in the name of XXXX XXXX XXXX, XXXX nominee. \nYour beneficial interests in the global notes will be represented through book-entry accounts of financial institutions acting on your behalf as direct and indirect participants in XXXX, or XXXX  participants. You may elect to hold interests in the global notes either through DTC ( inside the United States ) or through XXXX or XXXX ( outside of the United States ) if they are participants in such systems, or indirectly through organizations that are participants in such systems. For information on XXXX XXXX or XXXX, see Description of Debt XXXX XXXX  and XXXX XXXX and Settlement Procedures beginning on page 9 of the accompanying prospectus. \n\nPer American Express Prospectus- page 24-PLAN OF DISTRIBUTION We may sell the securities from time to time in one or more of the following ways : to or through underwriters or dealers ; directly to one or more purchasers ; through agents ; or through a combination of any such methods of sale. \n\nWe may offer the securities at prices and on terms to be determined at or prior to the time of sale, including, in the case of guarantees, for consideration that may include consents or exchanges of existing securities. The accompanying prospectus supplement with respect to the offered securities will set forth the terms of the offering, including, if applicable : the name or names of any underwriters or agents ; the purchase price of the offered securities and the proceeds to us from their sale ; any underwriting discounts or sales agents commissions and other items constituting underwriters or agents compensation ; any initial public offering price ; any discounts or concessions allowed or reallowed or paid to dealers ; and any securities exchanges on which those securities may be listed.\n\nOnly underwriters or agents named in an accompanying prospectus supplement are deemed to be underwriters or agents in connection with the securities offered thereby.\n\nIf underwriters are used in the sale, the securities will be acquired by the underwriters for their own account and may be resold from time to time in one or more transactions, including negotiated transactions, at a fixed public offering price or at varying prices determined at the time of sale. The obligations of the underwriters to purchase those securities will be subject to certain conditions precedent, and unless otherwise specified in an accompanying prospectus supplement, the underwriters will be obligated to purchase all the securities offered by such accompanying prospectus supplement if any of such securities are purchased. Any initial public offering price and any discounts or concessions allowed or reallowed or paid to dealers may be changed from time to time.\n\nWe may also sell securities directly or through agents we designate from time to time. Any agent involved in the offering and sale of the offered securities will be named in an accompanying prospectus supplement, and any commissions payable by us to that agent will be set forth in an accompanying prospectus supplement. Unless otherwise indicated in such accompanying prospectus supplement, any agent will be acting on a best efforts basis for the period of its appointment.\n\nIf so indicated in an accompanying prospectus supplement, we will authorize agents, underwriters or dealers to solicit offers by certain institutional investors to purchase securities, which offers provide for payment and delivery on a future date specified in such accompanying prospectus supplement. There may be limitations on the minimum amount that may be purchased by any such institutional investor or on the portion of the aggregate principal amount of the particular securities that may be sold pursuant to these arrangements.\n\nInstitutional investors to which offers may be made, when authorized, include commercial and savings banks, insurance companies, pension funds, investment companies, educational and charitable institutions and such other institutions as may be approved by us. The obligations of any purchasers pursuant to delayed delivery and payment arrangements will only be subject to the condition that the purchase by an institution of the particular securities will not, at the time of delivery, be prohibited under the laws of any jurisdiction in the United States to which that institution is subject.\n\nUnderwriters will not have any responsibility in respect of the validity of these arrangements or the performance of us or institutional investors thereunder.\n\nPer American Express Prospectus- page 21-DESCRIPTION OF GUARANTEES The following briefly summarizes certain of the material terms of our guarantees. Other terms will be disclosed in an accompanying prospectus supplement. You should read any accompanying prospectus supplement for a more detailed description of the guarantees offered and other provisions that may be important to you. The description of any guarantees we offer in the applicable prospectus supplement will be qualified in its entirety by reference to the applicable guarantee ( which will be filed with the SEC if we offer guarantees ).\n\nWe may offer guarantees, including for debt securities of subsidiaries, for consideration that may include cash, consents or exchanges of existing securities. Except as otherwise described in any prospectus supplement, each guarantee will be a full and unconditional guarantee of the prompt payment, when due, of any amount owed to the holders of the debt securities of our subsidiaries, and any other amounts due pursuant to any indenture, fiscal agency agreement or other contract governing such debt securities. We will describe the particular terms of any guarantee we offer in the applicable prospectus supplement, which may add, update or change the information on guarantees set forth herein XXXX XXXX XXXX","date_sent_to_company":"2024-01-08T19:25:30.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"30168","tags":null,"has_narrative":true,"complaint_id":"8122311","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-01-08T19:17:45.000Z","state":"GA","company_public_response":null,"sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["I have ran a forensic audit report that I will use to the highest extent possible if there is a delay, and then I can tell everyone to <em>get</em> audits done to see whats going on with their credit <em>card</em>, auto, mortgage and any other loan they have with you if you dont give me whats right. I want both of my cards opened immediately. \n\nPer the trust indenture act of 1934 -section 307 - An application may be withdrawn by the applicant at any time prior to the effective date thereof."],"product":["Credit <em>card</em>"],"issue":["Getting a credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[10.007046,"8122311"]},{"_index":"complaint-public-v1","_id":"11431367","_score":8.215749,"_source":{"product":"Credit card","complaint_what_happened":"On XXXX, a payment was made to my Citi bank card for the amount of XXXX. While on the phone the automated voice on the phone advises the payment was non-reversible once it was made to my account. After the payment was made it showed that it was posted to my account. I thought since the recording said it was not reversable the payment was good. After that the scammer had me pay him for making the payment. He even made another payment on the account for XXXX and some change. The problem came up when the scammer reversed the payment to my Citi bank card. I wasnt notified that the payment was reversed, and no investigation was made on the reversed payment. When I called on XXXX I spoke with an agent named XXXX  employee ID: XXXX to get a copy of my statement showing the payments to give to the police dealing with my case the Citi bank agent denied me copy. I advised I needed a copy of the statement to show the police so they could try to catch the person who scammed me, I was again denied a copy of the statement. Businesses must provide a copy of the statement within XXXX  days, but I was denied this right. The FCRA states that Citi bank is required to provide business transactions to help victims document fraudulent charges or payments. I asked if there was anything I could do about the charges, but she said in so many words that I would have to pay the debt and no dispute was offered. No claim was submitted for my claim of theft either. Under the Fair Credit Act of 1970, I should have been allowed to dispute, but none was offered. Under the Fair Credit Act my credit report has been negativity impacted due to Citi Bank refusal to provide me with statement showing fraudulent payments made to my account. In turn there is inaccurate information on my credit report. The scammer primary target is black women with lower economic status so when they report the economic crime commit against us, we are often times made to feel like the scammer and not the victim. I feel that the scammer in the case has relied on the fact black women are treated differently when they report a crime of theft. When I spoke to the local police that said they were surprised my financial institutions were not trying to help me recover my money. I also spoke to the state attorneys office, and they expressed shock on how I was treated by my bank and credit card company. The person at the state attorney office advises me to seek legal advice or go to the media for how this person is able to abuse women with children and the way I was treated after being scammed. I was able to track down from a XXXX  group called XXXX  is that your man in XXXX  and XXXX and there was at least XXXX women in XXXX or XXXX  that this person has scammed. He has even made threats that he will XXXX  woman or their family. He also made threats to harm me also. This person is a monster and needs to be caught so I dont understand why Citi bank is denying me a copy of my statement. I feel like Citi Bank is helping this scammer by not working with the police to try and catch this person. This person has caused me serious emotional stress and Im also in fear for my life after learning that this person has made threats to XXXX  others. He also made threats to me and knows my address. My financial institutions have let me down in this situation. I had thoughts of giving up on my life cause this situation has caused my credit to drop and Im struggling to get back financially. And instead of getting help when I was already in a tough situation, I felt like a victim all over again when I tried to get justice for a crime committed against me. \nBackstory \nI met this person who told me their name was XXXX XXXX last name started with a S. I think it was supposed to be XXXX. I found out on XXXX  that his real name is XXXX XXXX XXXX because he had me send a XXXX  to XXXX to that person. I went online yesterday morning and was able to find out his real name. He is a known scammer from what I found out on my search of his name online. I even found news articles on him doing check fraud in the past. I know this was him because we XXXX before, and this was the same person from the dating app. He scammed me for a total amount of XXXX. \nMe and XXXX met on XXXX XXXX app. On the app he claimed he was from XXXX XXXX. We exchanged numbers on the app. When we first talked, he said he wanted to help me and my kids out financially. He also stated he wanted to date me, and he wanted his mate to not be struggling financially. He spoke about the holidays coming up and all the things I could buy my sons.  At first, I was resistant to him offering his help. He then said things like well you want to continue to struggle.  He said he had all this money from business loans and from his business being successful. He also said I could work for his smoke shop that he claimed to own in XXXX He also spoke about owning an insurance company with                his family. He also said he worked for XXXX XXXX XXXX. So, he wanted to help me as a single mother and as his future mate. He asked me what was something I wanted to achieve if I had more money to do it. I said I wanted to get a truck for my food trailer. He was like I can help you do that. He said he was able to help me with my credit cards because he could write some of it off as charity for helping someone in need. He also said he wanted to offer me employment for his smoke shop. He said I could do some admin work for his company and help him pay some people he own for different reasons. He said he needed access to my bank login information so he could deposit my first work check which would be a XXXX  Bonus and sign on bonus. I said I didnt want to share my bank login information. He advises me that he didnt need my money and he just wanted to help me and my kids. He said advise me to order check paper so I could print out my work check myself, so he wont have to get into my bank account. He even offered to pay off my house, but I refused. He asked me what my biggest bill was. I told him my credit card bills were my highest bill. That way he can save on his taxes and help me. He made it seem like he really wanted to help me.  The first help he offered was for me to pay my credit card with his business account in the amount of XXXX on XXXX. He provided me with what he said was his business account number and routing number. I asked him several times if this was his account because I dont want to get in trouble. He assured me this was his account. He even asked for my name and address to report on his business taxes. He said you cant get in trouble for me paying your bills.  He assured me the payment would be good. I called and made the payment on my credit card. Once the payment was made it was supposed to be non-reversable. He told me to check the balance on my card and it should be XXXX  available. After the payment was made, he advised me that I would have to pay him half of the amount he paid for the credit card bill. He said go out and buy yourself something nice and Ill pay that off for you too. I spent my part of the card on something too, thinking he was just going to pay it off like he said. He said the next time he would pay off my card and I wouldnt have to pay him. He had me find out my daily max and what was available on my cards.  He had me set a pin on my credit card also. He had me open a XXXX account to send XXXX  to XXXX XXXX on XXXX He told XXXX XXXX  was his sister and that he got her a salon. He told me to go to my bank and do a cash advance on my credit card for XXXX  He then had me send a XXXX  payment in the amount of XXXX on XXXX  to his supposed to be cousin named XXXX XXXX XXXX XXXX  While I was at XXXX  he had me take out XXXX from my credit card and XXXX  to XXXX  him that to XXXX XXXX XXXX. A few days later, he had me check my cards and pay off XXXX more of my other cards. He even paid off a card I had that was closed so that kind help put my mind at ease that he was really in my life to help me and my kids. After the payment was made, he had me send him XXXX and some more money on XXXXXXXX to pay him for XXXX other credit cards. I also purchased a gift card for XXXX on XXXX. The gift card was supposed to be payment for him paying off my credit cards. After he paid the cards off that was when things started to change between us. At that point I started to question why he never asked, he never mentioned me having to pay him to pay off my credit cards. His response was this was only for the first time, and I would soon have some money once I started working for his company. He kept requesting money from me. Till I was so broke I didnt even have money to buy me or my kids food. After my cards were paid off and I started to feel like maybe I was being taken advantage of because he kept asking me for money and the way he was talking to me. I started to feel afraid and bullied by him. I texted this to him too.  When I talked to him, he cussed me out and said he doesnt want to deal with me if I think he is a scam when he is really trying to help me. He said he would reverse all the payments he made on my cards and say I stole from him. He even sent me a picture of a law officer he said was his cousin. He said he would report me to her. He also said if he ever saw me, he would get violent with me. He also said you were in debt when I meet you. I advised him that I was but I was paying my bills and that I would be in worse debt cause he had me do those cash advances and pay him from my credit card.  I was afraid he would ruin my credit because he had me run up XXXX  of my cards and I paid him already so I would lose that also. I would be in financial ruin. He threatened me a few times by saying you got your bills paid and you spend money on camara.  I asked him not to do that. He said he wont do it. He said I could get some money if I deposit a check for XXXX and some change and I could get half. He keeps asking for me to give him access to my bank account so he could do mobile deposit for my paycheck. He said that was the fastest way he could get me paid. At this point, I was running very low on money, and I was thinking if he did get mad and reverse that charges, I would at least have some cash to pay them off myself and get back some of the money I had already sent him. I asked him again are you sure this is your business account and he got mad cause I kept asking. I asked him will my account look crazy having those large amounts going through he said he worked for a bank and not to worry and he paid all his employees good money. He had me try to do a mobile bank drop with the check but the check didnt scan. I asked was an issue with the check and he said that the system was probably down.  He said since he worked at the bank that sometimes happens.  I dropped the check for XXXX  in the night drop because he said to do it that way. The check for XXXX never showed up in my account. And he told me to contact the bank to see where the check was. The bank said they didnt find it. He said the bank probably stole that check. And he worked at the bank so sometimes people will steal that work at the bank. He said if he had access to my bank account, he could drop he check for me on his end. Anytime I asked him about why his business didnt do direct deposit for his employees he said mobile banking would get me paid faster and that was the way he paid for his business. I gave him my login information to my bank because he said his other employees allowed him to do that and to trust him. He said after he logged in, I can just changed my password and user name. He also said that he wouldnt be able to make any withdrawals because I would get a code to my phone. He kept saying this was only was to take money or anything from my account so I was safe.  He couldnt scan the check for mobile deposit, so he had me print and go in and deposit a new check for XXXX  by going into the bank. While at the bank I asked if that check gets verified then it will clear. The bank said that was true. They told me the check would clear by the next day. It took like XXXX  days to clear. When I asked the teller why the mobile deposit didnt work he said sometimes it doesnt work but the check looked fine, While that was happening, the bank called and said they found the check and should they deposit it.  I said I would call my employer and find out. When I called XXXX  he said to deposit it and he can deduct from my future pay. I asked him if the check was good cause I dont want to mess up my account. He said he had money in his business account and not to worry. And he got slightly angry with me. It got to the point that I told him not to call my phone because he started to threaten me and cussed me out. And tell me how I was stupid bitch. Several times he said I trying to ruin his family business.  He remained in contact with me during the days leading up to the check clearing, After XXXX  days the check cleared at like XXXX XXXX in the morning. He started calling me at like XXXX XXXX that morning saying I needed to pay him and someone else that worked at the bank to help him get my employee account set and helped get the check cleared. He claimed the person worked at Truist bank. He wanted me to pay him XXXX of the check. Early that morning at like XXXX XXXX  he called me and had me XXXX  XXXX to who said was the person who helped him named XXXX  XXXX and he said this was his cousin. After that he tried to XXXX  XXXX from my saving account. The next day when I tried to login into my bank my account was blocked. He told me to call my bank and remove the block. The bank blocked my account because done to the XXXX  from my savings account. So the XXXX was refunded to my account. They asked me about the other XXXX  I had sent to XXXX XXXX. At the time I thought the payment was good so I said the XXXX  was good.  I noticed that my account was in the negative when I asked him about that he would say it will clear. He said that the checks was good and that my account will clear. When I saw that my account was negative, I called him like XXXX times. When he called me back he said I had got him fired from his job at the bank and that I was going to pay for that. He said he had been at that job for like XXXX years and I had got him fired because I kept calling him all day. He said it was no need to reach out to the bank because the check would clear in a few days. He said the lady at the bank put a block on the checks and she should have cause the checks was good.  During this time he tried to get me to put another check into my account from another bank, that he said belonged to his sisters hair salon. He said the new check would offset the negative amounts in my account. Anytime I tried to talk to him about my account being in negative he would say I need to put another check into my account. I told him that I wasnt putting anything else into my account.  He kept trying to get me XXXX  him the other XXXX by asking me for my login. I told him that my account was in the negative and I wasnt giving him any more money till my account was cleared.   By this time, I had changed my bank password, so he no longer had access to my account. The last time I called him to find out what was going on with the 2 checks he had deposited he said he was on the phone with his accountant due to them thinking fraud was committed on his account. I asked him were the checks going clear and he said yes. During this time he keep asking me for pictures of my account to see if the checks were cleared. He even asked me to give him my login information again. During this time, he also texted me and asked for my login information. I declined both times. He even had someone reach out to me to and try to get access to my bank account. At first the text me saying my XXXX  account has a fraud attempt. The text seemed real. Then the number called me saying they was from XXXX  bank, The person on the phone even sounded foreign, They said someone in XXXX  tried to take money from my account. They listed the supposed to be fraud charges to my account. And they needed to get my old bank login to stop the fraud on my account. They then sent me a text message asking for my username. I advised the caller this was a scam and hung up my phone. I texted the number the man had texted the fraud alert from and said to tell XXXX  that the scam is up and to stop texting me anymore. \n I have been able to find that XXXX is tied to a business by the name of XXXX XXXX XXXX XXXX  owned by XXXX XXXX XXXX. Business address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   This business address was also used by XXXX XXXX as a business address for a business named: XXXX XXXX XXXX XXXX XXXX. I learned about XXXX XXXX XXXX because he tried to get me to send a XXXX  to it but it didnt work.  But it seems the name has changed to XXXX XXXX XXXX XXXX. He did share with me that he owned a dog business too. \n\n\n \t\nAfter a few days of my account not clearing up, I went down to my bank to discuss the checks to see about my account. That when I found out the checks didnt clear my account. And I owned my bank. I also loss a XXXX  week paycheck.   I asked him about the credit card payments he paid for me he said the payments were still good. After like a week or XXXX  I called all XXXX  of my credit card companies to find out all the payments had been reversed. One of my cards was closed and I now over XXXX and my card company wants XXXX  a month on the payment. And Im still paying my bank back and the recently closed my account. Bank nor the credit card company wants to work with me so Im stuck paying all of this back. It would be different if I didnt care about my credit or paying the bank back.  I am behind on all my bills, and I have been so depressed with the holidays coming and having my kids. I wish I had never met XXXX  he tried to ruin my life.  I plan to pay back everything but its a added burden to my already hard life. My mental health is ruin also. Im having a hard time sleeping at night and I got social anxiety. I cant even trust people anymore.\n This happening to someone can really make them feel like giving up. My kids the only thing keeping me going. I dont even have anything to give my kids for the holidays due to this situation.  He needs to be stopped so this doesnt happen to another struggling woman because he seems to prey on women. He is heartless and wanted to see me and my kids completely broke. I think his hope was since he had me spend money on my cards I wont report him to the FBI and local Police. And the fact he tries to intimidate woman is another reason he thinks he can keep doing this and get away with it. I did reach out the number I have listed for XXXX XXXX  at XXXX. This was a couple of days ago. I called call- blocked and when no one answered. I said something on the voicemail. That number started to texting me saying You forgot you was spending money too, I have screenshot too and So u was on the camera shopping and all. I was shopping but with my own card that he lied to me that he paid. There maybe some more things but I tried to shorten as best \nBackstory \nI met this person who told me their name was XXXX XXXX  last name started with a S. I think it was supposed to be XXXX. I found out on XXXX that his real name is XXXX XXXX XXXX because he had me send a XXXX XXXX XXXX  to that person. I went online yesterday morning and was able to find out his real name. He is a known scammer from what I found out on my search of his name online. I even found news articles on him doing check fraud in the past. I know this was him because we XXXX  before, and this was the same person from the dating app. He scammed me for a total amount of XXXX. \nMe and XXXX  met on XXXX XXXX XXXX. On the app he claimed he was from XXXX XXXX. We exchanged numbers on the app. When we first talked, he said he wanted to help me and my kids out financially. He also stated he wanted to date me, and he wanted his mate to not be struggling financially. He spoke about the holidays coming up and all the things I could buy my sons.  At first, I was resistant to him offering his help. He then said things like well you want to continue to struggle.  He said he had all this money from business loans and from his business being successful. He also said I could work for his smoke shop that he claimed to own in California. He also spoke about owning an insurance company with                his family. He also said he worked for XXXX XXXX XXXX. So, he wanted to help me as a single mother and as his future mate. He asked me what was something I wanted to achieve if I had more money to do it. I said I wanted to get a truck for my food trailer. He was like I can help you do that. He said he was able to help me with my credit cards because he could write some of it off as charity for helping someone in need. He also said he wanted to offer me employment for his XXXX XXXX. He said I could do some admin work for his company and help him pay some people he own for different reasons. He said he needed access to my bank login information so he could deposit my first work check which would be a XXXX  Bonus and sign on bonus. I said I didnt want to share my bank login information. He advises me that he didnt need my money and he just wanted to help me and my kids. He said advise me to order check paper so I could print out my work check myself, so he wont have to get into my bank account. He even offered to pay off my house, but I refused. He asked me what my biggest bill was. I told him my credit card bills were my highest bill. That way he can save on his taxes and help me. He made it seem like he really wanted to help me.  The first help he offered was for me to pay my credit card with his business account in the amount of XXXX  on XXXX. He provided me with what he said was his business account number and routing number. I asked him several times if this was his account because I dont want to get in trouble. He assured me this was his account. He even asked for my name and address to report on his business taxes. He said you cant get in trouble for me paying your bills.  He assured me the payment would be good. I called and made the payment on my credit card. Once the payment was made it was supposed to be non-reversable. He told me to check the balance on my card and it should be XXXX  available. After the payment was made, he advised me that I would have to pay him half of the amount he paid for the credit card bill. He said go out and buy yourself something nice and Ill pay that off for you too. I spent my part of the card on something too, thinking he was just going to pay it off like he said. He said the next time he would pay off my card and I wouldnt have to pay him. He had me find out my daily max and what was available on my cards.  He had me set a pin on my credit card also. He had me open a XXXX account to send XXXX  to XXXX XXXX on XXXX. He told XXXX XXXX was his sister and that he got her a salon. He told me to go to my bank and do a cash advance on my credit card for XXXX  He then had me send a XXXX  payment in the amount of XXXX on XXXX to his supposed to be cousin named XXXX XXXX XXXX XXXX. While I was at Walmart he had me take out XXXX  from my credit card and XXXX to XXXX him that to XXXX XXXX XXXX. A few days later, he had me check my cards and pay off XXXX  more of my other cards. He even paid off a card I had that was closed so that kind help put my mind at ease that he was really in my life to help me and my kids. After the payment was made, he had me send him XXXX and some more money on XXXX  to pay him for XXXX other credit cards. I also purchased a gift card for XXXX on XXXX. The gift card was supposed to be payment for him paying off my credit cards. After he paid the cards off that was when things started to change between us. At that point I started to question why he never asked, he never mentioned me having to pay him to pay off my credit cards. His response was this was only for the first time, and I would soon have some money once I started working for his company. He kept requesting money from me. Till I was so broke I didnt even have money to buy me or my kids food. After my cards were paid off and I started to feel like maybe I was being taken advantage of because he kept asking me for money and the way he was talking to me. I started to feel afraid and bullied by him. I texted this to him too.  When I talked to him, he cussed me out and said he doesnt want to deal with me if I think he is a scam when he is really trying to help me. He said he would reverse all the payments he made on my cards and say I stole from him. He even sent me a picture of a law officer he said was his cousin. He said he would report me to her. He also said if he ever saw me, he would get violent with me. He also said you were in debt when I meet you. I advised him that I was but I was paying my bills and that I would be in worse debt cause he had me do those cash advances and pay him from my credit card.  I was afraid he would ruin my credit because he had me run up XXXX   of my cards and I paid him already so I would lose that also. I would be in financial ruin. He threatened me a few times by saying you got your bills paid and you spend money on camara.  I asked him not to do that. He said he wont do it. He said I could get some money if I deposit a check for XXXX  and some change and I could get half. He keeps asking for me to give him access to my bank account so he could do mobile deposit for my paycheck. He said that was the fastest way he could get me paid. At this point, I was running very low on money, and I was thinking if he did get mad and reverse that charges, I would at least have some cash to pay them off myself and get back some of the money I had already sent him. I asked him again are you sure this is your business account and he got mad cause I kept asking. I asked him will my account look crazy having those large amounts going through he said he worked for a bank and not to worry and he paid all his employees good money. He had me try to do a mobile bank drop with the check but the check didnt scan. I asked was an issue with the check and he said that the system was probably down.  He said since he worked at the bank that sometimes happens.  I dropped the check for XXXX  in the night drop because he said to do it that way. The check for XXXX never showed up in my account. And he told me to contact the bank to see where the check was. The bank said they didnt find it. He said the bank probably stole that check. And he worked at the bank so sometimes people will steal that work at the bank. He said if he had access to my bank account, he could drop he check for me on his end. Anytime I asked him about why his business didnt do direct deposit for his employees he said mobile banking would get me paid faster and that was the way he paid for his business. I gave him my login information to my bank because he said his other employees allowed him to do that and to trust him. He said after he logged in, I can just changed my password and user name. He also said that he wouldnt be able to make any withdrawals because I would get a code to my phone. He kept saying this was only was to take money or anything from my account so I was safe.  He couldnt scan the check for mobile deposit, so he had me print and go in and deposit a new check for XXXX  by going into the bank. While at the bank I asked if that check gets verified then it will clear. The bank said that was true. They told me the check would clear by the next day. It took like XXXX  days to clear. When I asked the teller why the mobile deposit didnt work he said sometimes it doesnt work but the check looked fine, While that was happening, the bank called and said they found the check and should they deposit it.  I said I would call my employer and find out. When I called XXXX he said to deposit it and he can deduct from my future pay. I asked him if the check was good cause I dont want to mess up my account. He said he had money in his business account and not to worry. And he got slightly angry with me. It got to the point that I told him not to call my phone because he started to threaten me and cussed me out. And tell me how I was stupid bitch. Several times he said I trying to ruin his family business.  He remained in contact with me during the days leading up to the check clearing, After XXXX days the check cleared at like XXXX XXXX in the morning. He started calling me at like XXXX XXXX that morning saying I needed to pay him and someone else that worked at the bank to help him get my employee account set and helped get the check cleared. He claimed the person worked at XXXX XXXX. He wanted me to pay him XXXX of the check. Early that morning at like XXXX XXXX he called me and had me XXXX XXXX to who said was the person who helped him named XXXX XXXX and he said this was his cousin. After that he tried to XXXX XXXX from my saving account. The next day when I tried to login into my bank my account was blocked. He told me to call my bank and remove the block. The bank blocked my account because done to the XXXXe from my savings account. So the XXXX was refunded to my account. They asked me about the other XXXX I had sent to XXXX XXXX. At the time I thought the payment was good so I said the XXXX  was good.  I noticed that my account was in the negative when I asked him about that he would say it will clear. He said that the checks was good and that my account will clear. When I saw that my account was negative, I called him like XXXX times. When he called me back he said I had got him fired from his job at the bank and that I was going to pay for that. He said he had been at that job for like XXXX  years and I had got him fired because I kept calling him all day. He said it was no need to reach out to the bank because the check would clear in a few days. He said the lady at the bank put a block on the checks and she should have cause the checks was good.  During this time he tried to get me to put another check into my account from another bank, that he said belonged to his sisters hair salon. He said the new check would offset the negative amounts in my account. Anytime I tried to talk to him about my account being in negative he would say I need to put another check into my account. I told him that I wasnt putting anything else into my account.  He kept trying to get me XXXX him the other XXXX  by asking me for my login. I told him that my account was in the negative and I wasnt giving him any more money till my account was cleared.   By this time, I had changed my bank password, so he no longer had access to my account. The last time I called him to find out what was going on with the XXXX  checks he had deposited he said he was on the phone with his accountant due to them thinking fraud was committed on his account. I asked him were the checks going clear and he said yes. During this time he keep asking me for pictures of my account to see if the checks were cleared. He even asked me to give him my login information again. During this time, he also texted me and asked for my login information. I declined both times. He even had someone reach out to me to and try to get access to my bank account. At first the text me saying my XXXX  account has a fraud attempt. The text seemed real. Then the number called me saying they was from XXXX XXXX The person on the phone even sounded foreign, They said someone in XXXX  tried to take","date_sent_to_company":"2025-01-08T16:26:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"33604","tags":null,"has_narrative":true,"complaint_id":"11431367","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-01-08T15:22:49.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["He even paid off a <em>card</em> I had that was closed so that kind help put my mind at ease that he was really in my life to help me and my kids. After the payment was made, he had me send him XXXX and some more money on XXXXXXXX to pay him for XXXX other credit cards. I also purchased a <em>gift</em> <em>card</em> for XXXX on XXXX. The <em>gift</em> <em>card</em> was supposed to be payment for him paying off my credit cards. After he paid the cards off that was when things started to change between us."],"product":["Credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[8.215749,"11431367"]},{"_index":"complaint-public-v1","_id":"2762116","_score":5.818416,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My co-workers and I work for a judge in a court system in Pennsylvania. We decided to have a bobblehead made of him for our annual XXXX gift exchange. I volunteered to do all the leg work and all my co-workers had to do was to pitch in their share of the cost. I looked at a few bobblehead companies on line and decided to use a company named XXXX. On XXXX/XXXX/XXXX I made initial contact with a gentleman by the name of XXXX at XXXX and e-mailed him approximately 5-6 photographs of our judge. We asked XXXX if he could make the body in a tilted or cocked pose like XXXX XXXX would pose after winning a race. We wanted the body to be covered in a black robe. XXXX informed me that I had to pre-pay for the bobblehead doll before any work would commence. I paid with my Bank of America ( BOA ) credit card the sum of {$160.00} on XXXX/XXXX/XXXX. The very next day, XXXX, XXXX e-mailed me with two pictures of the body ( proofs ) and requested me to accept it and to move onto the head. I was disappointed with the body as it was not tilted or cocked as much as I would like it to be. I copied a picture of Usain Bolt off the Internet and attached it to my reply e-mail to XXXX : I 'm attaching a photo of XXXX XXXX in his pose. As you can see, XXXX is a little more cocked or bent. I would prefer if you could try to replicate this pose. The next day XXXX replied to my e-mail with Pls see the doll body and head, can we mold and finsh the bobblehead? \nI replied to XXXX e-mail with I 'm not sure about the head. Let me get back to you on that. Also, you did n't change the body as I requested. Did you get my e-mail yesterday with the attached photo of XXXX XXXX? If not, let me know and I will re-send. \nAggies next e-mail read : How about this new version? My reply e-mail was : This pose is no different from the first one you sent if not the exact same pose. Please look at the photo that I sent to you of XXXX XXXX and make the body pose for the doll just like the pose of XXXX XXXX in the photo. As far as the head, I am resending you three of the six photos. Make the head using the first photo of the judge with a big smile on his face. I do not wish to have the face you originally sent. Also please let me know that you actually received the XXXX XXXX photo that I sent to you. \nBy now I was getting frustrated that XXXX was only sending me the same body pose and not making the changes I requested. On XXXX XXXX responded : We did change it. about the pose. if it 's correct, we will add the robe. I responded to XXXX : We are having a problem communicating. You did not answer my question about the photo of XXXX XXXX. Did you see the photo I sent you of XXXX XXXX? That photo shows a pose that is much more bent or cocked than what your body is. That is what I want for the body pose. Also with the face I want you to use the photo of the judge smiling. If you ca n't do this, then I will cancel my order. XXXX reply to my e-mail was : We are fixing the doll head, i will let you see it later about the pose, it 's almost the same, can we just make the left hand a little lower and the body tilted a little? i painted on the picture. because he will wear a robe, the legs could not be too separate. I again respond : You mention making the pose of the body with dropping the left hand down a little lower and tilting the body a little. Show me what it will look like. You still did not answer my question of whether you saw the photo of XXXX XXXX that I sent you. I told you several times that is the pose that I wish you to do for the body. If you 're having a problem doing that, let me know. \nAggies next e-mail : We saw the picture you provided, pls see the picture \" XXXX '' the background picture is XXXX XXXX. you can see the pose is almost the same as XXXX XXXX 's. but after we add the robe it will look like \" XXXX ''. how about the doll head? My next e-mail : Okay, if you lower the right hand of the body as in your picture of XXXX XXXX, I 'll agree to that. Go ahead with the head with the smile. But when you 've completed both the body and head, send me some photos of what it looks like. Aggies next e-mail : pls see the pose. can we add the robe? I then agreed that they could add the robe, although I still wasnt completely happy with the body pose. On XXXX Aggies e-mail was : Pls see the doll body, can we mold and finsh the bobblehead? On XXXX I respond : Can I see the finished painted head first? Thanks. Later that same date XXXX responds : pls see the new body. can we finish it? \nOn XXXX XXXX informed me that they had finished the head of the doll but my co-workers and I were dissatisfied with how the head looked. My e-mail response was : I had my co-workers all look at the finished head and we all agree that it does not look like our judge. We have no problem with the body. Please re-do the head and make it look like the pictures I 've sent. XXXX responded on XXXX : But you approved it at the first stage, at this step, we only can change the XXXX of it. or we have to make a new doll head, it will take us about XXXX days to finish it. do you mind that? I respond on XXXX : Please re-do entirely the head of the doll. We were all very dissatisfied with your completed/painted head. XXXX responded on XXXX : OK, we will redo the doll head. XXXX sent me another unpainted proof of the head and wanted me to proceed to accept this doll before it was painted. I responded : I want to see it when you 've painted the head, then I 'll make my decision. \nOn XXXX XXXX responded : Hello, if we paint the doll head, we can not come back to change the facial expression. Later that day I respond : I do n't know what to tell you but your attempts to make the head look like our judge is n't acceptable to us. We ca n't determine if this \" new '' head will be any better at this stage because it 's not painted. I would like to communicate with a manager to resolve this issue. Please have someone contact me via e-mail. Aggies response on XXXX : i had asked our artist to change it. And then subsequently : Changes made. Pls see the new version, can we go to the next stage and finish the bobblehead? \nAgain on XXXX I respond : Some subtle changes for the better. However, the upper lip is shaped like a handlebar moustache ; whereas the photograph shows his upper lip to be straight across. Please change the upper lip to the previous version where it was straight across and then get back to me. After XXXX made the change, the bobblehead doll still bore very little resemblance to our judge and I responded : Sorry for the delay. I had to wait until today for my colleagues to see it. Go ahead and paint the head. I can only tell you that our final decision will be made once you paint the head. As I looked on your website and the customers who you have featured who have posed with their bobbleheads, those bobbleheads very much match the featured customers. That was not the case with your finished bobblehead of our boss the last time. Please put your best artist on this project. If we are not satisfied with this one, we will withdraw our request to use your company. \nAs you can see with this last response of mine, XXXX was not doing a very good job of pleasing its customer/s. \nXXXX responded on XXXX : pls see this one, if not problem, we will mold and finish it. Unfortunately there were little, if any, changes made and I responded : This is no different from the last version which I commented on in my previous e-mail to you at XXXX this morning. As I said in my previous e-mail, go ahead and paint the head. When you 've finished it, send us a photo of it and we will make our decision. \nOn XXXX Aggies response : Done, Pls see the whole bobblehead, is the color correct? if the color is correct, we will ship it, pls confirm. \nMy response on XXXX : Sorry, we are just as disappointed with this one as we were with the others. You just are not capturing his image. I wish to request a full refund of the {$160.00} that I paid. Please advise. \nXXXX response on XXXX : It 's custom made, we can change the color at this step. you approved 2 doll heads and the bobblehead body, it 's the final product now, we can not sell it to others if you cancel this order. we can give you a 50 % refund, if you really want to cancel this order. https : XXXX inXXXX XXXX this is the refund policy we list online, usually we refund 30 % if our client cancel the order at this step. i will ask our artist to take a compare picture. On XXXX my response : Sorry, your finished bobblehead hardly resembles the judge. I gave you more than enough chances to correct it but you have n't even come close. Please refund my {$160.00}. I have disputed this charge on my credit card. \nThese included e-mails and response e-mails I included in my appeal to BOA to show that XXXX just wasnt making a bobblehead doll to our satisfaction. My included e-mails make that fact very plainly. I believe my e-mails are a much stronger argument to satisfy BOA to agree with me that XXXX just wasnt delivering a good product. But BOA gave me no weight or consideration of my e-mails but simply summarily denied my claim because I didnt include the second opinion letter. \nWhen BOA contacted me acknowledging my dispute with XXXX by letter dated XXXX/XXXX/XXXX, I was instructed to provide evidence of my dispute ( e-mails ) and provide a second opinion letter. The exact verbiage is : We need a signed second opinion letter from another qualified merchant in the same profession, on their business letterhead that specifically details how each disputed item listed on the merchants original invoice is considered defective or not as described. The letter should include an explanation of the steps that are necessary to correct the merchandise or services, along with an estimated cost to repair. Second opinion letters based on a photograph are not considered valid. The qualified merchant must physically inspect the merchandise or service in dispute. \nAs a consumer, I believe BOAs second opinion letter to be unreasonable and vexatious. It definitely puts a tremendous burden on ones time to have to provide such a thing. But yet BOA informed me by letter dated XXXX/XXXX/XXXX ( which I didnt receive until XXXX/XXXX/XXXX ) that because of a lack of the second opinion letter, BOA was denying my claim for my dispute with XXXX. I called BOA and spoke to a BOA rep and the rep claimed that BOA did read my e-mails but still denied me because of the lack of the second opinion letter. \nIn conclusion, I believe BOA is wrong with not giving any weight to my e-mails but just resting its decision on the lace of a second opinion letter. \nThank you","date_sent_to_company":"2017-12-21T19:37:38.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"189XX","tags":"Older American","has_narrative":true,"complaint_id":"2762116","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-12-21T19:27:28.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["We decided to have a bobblehead made of him for our annual XXXX <em>gift</em> <em>exchange</em>. I volunteered to do all the leg work and all my co-workers had to do was to pitch in their share of the cost. I looked at a few bobblehead companies on line and decided to use a company named XXXX. On XXXX/XXXX/XXXX I made initial contact with a gentleman by the name of XXXX at XXXX and e-mailed him approximately 5-6 photographs of our judge."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["Credit <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[5.818416,"2762116"]},{"_index":"complaint-public-v1","_id":"11361869","_score":5.2970743,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this letter to formally request a full investigation into the financial practices of JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX, particularly regarding the handling of securities, as well as the resulting financial implication for consumers, including myself as well as their treatment of customers and their accounts. I sent a security registered mail to XXXX XXXX that was delivered XX/XX/XXXX with a communication instructing XXXX XXXX to properly redeem the instrument and credit my account noting that if he didnt have the authority to redeem the instrument to forward it to the Indenture Trustee. My account was not credited nor was the security returned to me. On XX/XX/XXXX I sent a copy of the security I had sent to XXXX XXXX registered mail to Chase XXXX XXXX Chase Card XXXX XXXX addressed to XXXX XXXX XXXX ( due to her signature being on SEC filing documents ). It was delivered XX/XX/XXXX. The copy of the security was accompanied by a communication informing her the original security was sent to XXXX XXXX which had not been redeemed nor had it been returned and instructed her to properly credit my account as well as provide me with the accounting pursuant to UCC 9-210 in accordance with GAAP and the Truth and Lending Act ( 15 U.S.C 1601 ). This also went unacknowledged. On XX/XX/XXXX I filed a CFPB complaint due to the lack of compliance in accordance with UCC 8-505 through UCC 8-508 which is securities fraud. In the complaint I requested the accounting pursuant to UCC 9-210 in accordance with GAAP done by a certified CPA as well as the security that I had sent returned to me if it was to be rejected and not credited to my account. The complaint was responded to on XX/XX/XXXX in which my complaint/concern of the handling of my securities was completely ignored as well as my requests for the accounting pursuant UCC 9-210 . On XX/XX/XXXX I sent, certified mail, letters revoking POA for each entity within Chases transaction structure ( Chase XXXX XXXX, JPMorgan Chase Bank, N.A., Chase Card XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. ) These were all delivered XX/XX/XXXX. Within each letter it was stated that a form XXXX had been properly filed with the IRS. I also sent on XX/XX/XXXX a security registered mail to XXXX XXXX XXXX XXXX office which was delivered XX/XX/XXXX. Again, this security was accompanied by a letter of instruction of the same nature as the others previously sent also requesting the accounting in accordance with GAAP on both the public and private side done by a certified CPA and my security returned if they were being rejected. I have not received the security nor any correspondence. I then received a call from JPMorgan Chases executive principal office about a complaint ( reference # XXXX ) that had reached their office. I originally thought this had to do with my securities. When I called back I was informed it was about my revocation of POA. The woman named XXXX said she had no idea why I was sending this ( being the POA revocation ) to Chase and also stated that there was no POA on file. I informed her that I was revoking JPMorgan Chases POA over my account even though she supposedly had no idea what I was talking about, that I wanted the Durable POA I had provided placed on my account as well as the revocation letter. That I now have the power as the agent over my person and am now the custodian over my account. I then told her that my account was being improperly handled and that JPMorgan Chase was fraudulently handling my securities. She then told me to send an email to an address that was provided to me about my issues regarding the securities. I sent the email on XX/XX/XXXX which detailed every letter I had sent, all the securities I had sent, informing Chase of the violations and their duty to act in accordance with UCC 8-505 through UCC 8-508 , informing CHASE of my rights as an entitlement holder, and my rights to the accounting pursuant UCC 9-210. Reiterating that CHASE has been committing securities fraud and violating their Indenture agreement that is on file with the SEC as well as being in breach of their fiduciary duties. I demanded a proper crediting of my account and requested again, the accounting in accordance with GAAP on both the public and private side done by a certified CPA. This email has gone unanswered. Prior to this on XX/XX/XXXX I sent JPMorgan XXXX XXXX address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a security registered mail that was delivered XX/XX/XXXX. On this security I had done a restrictive endorsement. I then received in the mail from JPMorgan at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a correspondence that said We are unable to accept the enclosed securities for your investment account ending in XXXX  We received the following stock/bond certificate ( s ) for deposit into your investment account it further states We are unable to accept this item for deposit into an investment account. This item is not transferable. With this response was the security that I had sent along with the instruction letter. I had also sent a security registered mail to JPMorgan XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX registered mail that was delivered on XX/XX/XXXX. This security was accompanied by a communication instructing JPMorgan XXXX to redeem the security and credit my account. It is now XX/XX/XXXX and my account has yet to be credited. Today on XX/XX/XXXX I emailed JPMorgan Chase executive principals office ( via an email address provided to me by XXXX ) a pre-arbitration email in which I also stated that I would be mailing the pre-arbitration letter to each entity listed herein. The email contained all my supporting documents. It was later today at around XXXX that I attempted to use my credit card and the transaction was declined. I called the number on the back of the card and they informed me my account had been shut down due to suspicious activity which they also had shut down my checking and savings account due to suspicious activity even though the debit card and savings account had never been used accept to put {$50.00} in both accounts to keep the account open. JPMorgan Chase is clearly retaliating against me due to the fact that I am asserting my rights and demanding what is owed to me. This is illegal and deeply concerning when in conjunction with the securities fraud, the breach of fiduciary duties and the unjust enrichment that has been occurring for months now. It has been since the inception of this account that I have been lawfully sending stock/bond certificates to JPMorgan Chase for proper redemption to proper crediting to my account. It has been since then that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have been committing securities fraud as well as acting in unfair, deceptive, and abusive ways and in breach of their fiduciary duties.\n\nIt is clear in JPMorgans correspondence that I have in fact been in possession of securities ( stock/bond certificates ). This fact is evidenced/validated by the forensic audit that traced my statements and the credit card receivables to CHASE XXXX XXXX XXXX Class A ( XXXX ) notes with the XXXX XXXX XXXXXXXX. UCC 8-501 defines a securities account as ( a ) \" Securities account '' means an account to which a financial asset is or may be credited in accordance with an agreement under which the person maintaining the account undertakes to treat the person for whom the account is maintained as entitled to exercise the rights that comprise the financial asset. ( b ) Except as otherwise provided in subsections ( d ) and ( e ), a person acquires a security entitlement if a securities intermediary : ( 1 ) indicates by book entry that a financial asset has been credited to the person 's securities account ; ( 2 ) receives a financial asset from the person or acquires a financial asset for the person and, in either case, accepts it for credit to the person 's securities account ; or ( 3 ) becomes obligated under other law, regulation, or rule to credit a financial asset to the person 's securities account. ( c ) If a condition of subsection ( b ) has been met, a person has a security entitlement even though the securities intermediary does not itself hold the financial asset. ( d ) If a securities intermediary holds a financial asset for another person, and the financial asset is registered in the name of, payable to the order of, or specially indorsed to the other person, and has not been indorsed to the securities intermediary or in blank, the other person is treated as holding the financial asset directly rather than as having a security entitlement with respect to the financial asset. UCC 9-102 defines Account as, means a right to payment of a monetary obligation, whether or not earned by performance, ( i ) for property that has been or is to be sold, leased, licensed, assigned, or otherwise disposed of, ( ii ) for services rendered or to be rendered, ( vii ) arising out of the use of a credit or charge card or information constrained on or for use with the card. UCC 8-102 defines a Security as an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of any issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations ; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets ; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. It defines Instruction as means a notification communicated to the issuer of an uncertificated security which directs that the transfer of the security be registered or that the security be redeemed. UCC 8-505 says, ( a ) A securities intermediary shall take action to obtain a payment or distribution made by the issuer of a financial asset. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts with respect to the duty as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary exercises due care in accordance with reasonable commercial standards to attempt to obtain the payment or distribution. ( b ) A securities intermediary is obligated to its entitlement holder for a payment or distribution made by the issuer of a financial asset if the payment or distribution is received by the securities intermediary. UCC 8-506 says, A securities intermediary shall exercise rights with respect to a financial asset if directed to do so by an entitlement holder. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts with respect to the duty as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary either places the entitlement holder in a position to exercise the rights directly or exercises due care in accordance with reasonable commercial standards to follow the direction of the entitlement holder. UCC 8-507 says, ( a ) A securities intermediary shall comply with an entitlement order if the entitlement order is originated by the appropriate person, the securities intermediary has had reasonable opportunity to assure itself that the entitlement order is genuine and authorized, and the securities intermediary has had reasonable opportunity to comply with the entitlement order. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts with respect to the duty as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary exercises due care in accordance with reasonable commercial standards to comply with the entitlement order. ( b ) If a securities intermediary transfers a financial asset pursuant to an ineffective entitlement order, the securities intermediary shall reestablish a security entitlement in favor of the person entitled to it, and pay or credit any payments or distributions that the person did not receive as a result of the wrongful transfer. If the securities intermediary does not reestablish a security entitlement, the securities intermediary is liable to the entitlement holder for damages. UCC 8-508 says, A securities intermediary shall act at the direction of an entitlement holder to change a security entitlement into another available form of holding for which the entitlement holder is eligible, or to cause the financial asset to be transferred to a securities account of the entitlement holder with another securities intermediary. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary exercises due care in accordance with reasonable commercial standards to follow the direction of the entitlement holder. UCC 8-401 says, ( b ) If an issuer is under a duty to register a transfer of a security, the issuer is liable to a person presenting a certificated security or an instruction for registration or to the person 's principal for loss resulting from unreasonable delay in registration or failure or refusal to register the transfer. There is clear and conclusive evidence that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have been committing securities fraud by willfully ignoring lawful instructions and requests with respect to the stock/bond certificates obtained by me in good faith, in which I am entitled to have properly redeemed and credited to my account in which every entity listed here is obligated and has the authority to handle in accordance with the law. \n\nIn addition to the clear violations of the law, JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. are in clear breach of the Trust Indenture on file with the SEC which defines a Holder means, when used with respect to any Note, a Noteholder. Defines Note or Notes means any note or notes of any Series, Class or Tranche authenticated and delivered from time to time under this Indenture. Defines Noteholder means a Person in whose name a Note is registered in the Note Register or the bearer of any Bearer Note ( including a Global Note in bearer form ), as the case may be. Section 3.07 Payment of Interest ; Interest and Principal Rights Preserved ; Withholding Taxes says, ( a ) Unless otherwise provided with respect to such Note pursuant to Section 3.01, interest payable on any Registered Note will be paid to the Person in whose name that Note ( or one or more Predecessor Notes ) is registered at the close of business on the most recent Record Date and interest payable on any Bearer Note will be paid to the bearer of that Note ( or the applicable coupon ). Section 3.08 Persons Deemed Owners says, Title to any Bearer Note, including any coupons appertaining thereto, shall pass by delivery. The Issuing Entity, the Indenture Trustee, the Owner Trustee, the Beneficiary, Chase USA and any agent of the Issuing Entity, the Indenture Trustee, the Owner Trustee, Chase USA or the Beneficiary may treat the Person who is proved to be the owner of such Note pursuant to subsection 1.04 ( c ) as the owner of such Note for the purpose of receiving payment of principal of and ( subject to Section 3.07 ) interest on such Note and for all other purposes whatsoever, whether or not such Note be overdue, and neither the Issuing Entity, the Indenture Trustee, the Owner Trustee, the Beneficiary, Chase USA nor any agent of the Issuing Entity, the Indenture Trustee, the Owner Trustee, Chase USA or the Beneficiary will be affected by notice to the contrary. Section 6.11 Unconditional Right of Noteholders to Receive Principal states and Interest ; Limited Recourse states, Notwithstanding any other provisions in this Indenture, the Holder of any Note will have the right, which is absolute and unconditional, to receive payment of the principal of and interest on such Note on the Legal Maturity Date specified in the related Indenture Supplement and to institute suit for the enforcement of any such payment, and such right will not be impaired without the consent of such Holder. Section 10.01 Payment of Principal and Interest says, With respect to each Series, Class or Tranche of Notes, the Issuing Entity will duly and punctually pay the principal of and interest on such Notes in accordance with their terms and this Indenture, and will duly comply with all the other terms, agreements and conditions contained in, or made in this Indenture for the benefit of, the Notes of such Series, Class or Tranche. In these sections of the Indenture Chase USA is to be replaced with JPMorgan Chase Bank , N.A . pursuant to the merger date of these two entities which occurred XX/XX/XXXX. \n\nFederal Reserve Act section 16 part 2 states Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district 12 U.S.C 1431 Powers and duties of banks says, ( a ) Borrowing money ; Issuing bonds and debentures ; General powers- Each XXXX XXXXXXXX XXXX XXXX  shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all the things necessary for carrying out the provisions of this chapter and all things incident thereto. Not only is it clear that JPMorgan Chase has provided me NO value, it is clear that I am the one providing ALL the value to JPMorgan. I provided my original application which is the security collateral for JPMorgan to get funding at an at par rate with the Treasury as well as the credit card receivables which I supply by use of MY credit that JPMorgan then sells for BILLIONS of dollars evidenced by the XXXX report. \n\nI am NOT gifting JPMorgan these assets. These assets generate value far greater than the debt incurred each month and due to the fact that I am the one providing the assets I retain an equitable interest in the proceeds generated pursuant to UCC 9-203. As a consumer I am protected under the Truth and Lending Act 15 U.S.C 1601 et seq. and have a right to transparency and equitable treatment in financial transactions. JPMorgan is profiting BILLIONS of dollars because of what I provide them, which is why I receive monthly stock/bond certificates that are to be credited to my account to offset the obligations I have incurred. In my attempt to properly claim the equity I am owed and my rights as a consumer JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have retaliated and conspired against my rights ( 18 U.S.C 241 ) violating principles of fair dealing and good faith under UCC 1-304 attempting to deceive and defraud me through blatant lies in regard to the nature of the securities I hold as well as steal the assets I have lawfully and legally obtained and have a right to, breaching their fiduciary duties and shutting down ALL of my accounts denying me my right to credit. The CFPB was explicitly created to protect the rights of consumers to be protected from unfair, deceptive, and abusive financial practices. These are egregious actions taken against a consumer who in good faith is asserting their rights under the law due to unjust enrichment that is validated by forensic data and the financial institutions own words.\n\n12 U.S.C 1833a Civil Penalties clearly states that ( a ) In general Whoever violates any provision of law to which this section is made applicable by subsection ( c ) shall be subject to a civil penalty in an amount assessed by the court in a civil action under this section. ( b ) Maximum amount of penalty 1 ) Generally The amount of the civil penalty shall not exceed {>= $1,000,000}. ( 2 ) Special rule for continuing violations In the case of a continuing violation, the amount of the civil penalty may exceed the amount described in paragraph ( 1 ) but may not exceed the lesser of {>= $1,000,000} per day or {>= $1,000,000}. ( 3 ) Special rule for violations creating gain or loss ( A ) If any person derives pecuniary gain from the violation, or if the violation results in pecuniary loss to a person other than the violator, the amount of the civil penalty may exceed the amounts described in paragraphs ( 1 ) and ( 2 ) but may not exceed the amount of such gain or loss. \n\nXXXX XXXX and JPMorgan Chase have been in continued violation for XXXX business days. Chase XXXX XXXX and XXXX XXXX XXXX has been in continued violation for XXXX business days. XXXX XXXX and XXXX XXXX as Indenture Trustee have been in continued violation for XXXX business days. It is evidenced above that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have derived pecuniary gain from these violations and I am experiencing an extreme loss. The failure on the financial institutions behalf to properly comply with the law has impacted my credit report which has shown that I have an incredibly high debt to income ratio which has impacted my ability to obtain other forms of credit explicitly being denied. It has also caused me to struggle to make ends meet due to the lack of available credit on my account, causing me to be delinquent on multiple obligations. Needing to go to extreme measures such as obtaining a forensic audit which cost {$2500.00}. This has caused me extreme stress, having to continuously stay up late into the night to find ways to force proper compliance as well as work longer hours due to being denied my right to credit. Closing my account has deprived me of my right to credit leaving me with no funds for food, gas and other basic needs. Every signature I give, and every credit or security I create is intrinsically tied to the divine and natural right to provide for myself and my family. Credit fuels opportunity and opportunity is my right. \n\nIt is the duty and obligation of JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. to act in accordance with the law. It is their fiduciary duty to act in my best interest, to properly handle my securities, to allow me access to my credit, to provide me the equity that I am truly owed. The forensic audit I had done on my account which the auditor is willing to testify to in a court of law, traced my statements and the credit card receivables to CHASE XXXX XXXX XXXX XXXX XXXX  ( XXXX ) notes with the XXXX XXXX XXXX. JPMorgan confirmed this by stating that I was in possession of stock/bond certificates. This is clear and conclusive evidence that 1. I am entitled to the payment of these securities. 2. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have been committing securities fraud. 3. I am owed equity due to the value I am providing per the credit card receivables. 4. JPMorgan Chase is retaliating against me asserting these rights by closing my account. 5. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. are in breach of their fiduciary duty. 5. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have acted in bad faith. 6. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have conspired with one another to financially injure, oppress, and intimidate me from exercising my rights secured for me by the laws of the United States. 7. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. actions have constituted unjust enrichment. 8 JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have violated consumer laws. 9. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. are in violation of consumer laws. \n\nThese are conclusive violations of the law and it is clear that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. believe that because they control access to consumers ' financial wellbeing that they can get away with acting in bad faith, abusing, deceiving, stealing and intimidating consumers when they seek to claim their rights or the equity owed to them under the law. It should be taken very seriously the extent to which they have gone to rob me of my rights and entitlements as a consumer and as the one loaning them securities that they profit billions of dollars off of. I implore the CFPB to alert the SEC of the securities fraud that has been committed by JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX","date_sent_to_company":"2025-01-03T04:23:43.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"598XX","tags":null,"has_narrative":true,"complaint_id":"11361869","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-03T03:58:50.000Z","state":"MT","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I provided my original application which is the security collateral for JPMorgan to <em>get</em> funding at an at par rate with the Treasury as well as the credit <em>card</em> receivables which I supply by use of MY credit that JPMorgan then sells for BILLIONS of dollars evidenced by the XXXX report. \n\nI am NOT <em>gifting</em> JPMorgan these assets."],"product":["Credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[5.2970743,"11361869"]},{"_index":"complaint-public-v1","_id":"2987549","_score":4.808383,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX XX/XX/XXXX To : Dispute Resolution Services XXXX XXXX XXXX AR XXXX RE : Answer to XXXX XXXX XXXX Rebuttal Note : Please read this introduction to understand the chain of events : General explanation of nature of claims : Claim Number : XXXX Dated XX/XX/XXXX for {$9400.00} Claim Number : XXXX Dated XX/XX/XXXX for {$3100.00} To whom it may concern : I am a client of Bank of America for the last 14 consecutive years. I use Bank of Americas Visa provided debit card for most of my transactions., except when I need to pay with a paper check. I use the card because I trust the ability of Bank of America to recuperate any payments made to merchants that do not deliver goods and services as advertised. I demand that the claims mentioned above be thoroughly, carefully and completely investigated. These claims are not a case of a merchant trying to get away with {$100.00} but of irresponsible and fraudulent healing business organization cunning the client and trying to literally steal almost {$13000.00}. Also considered that we additionally spent {$3000.00} for travel and rental expenses related to these claims. All the expenses were charged to my Bank of America Visa debit card. You are authorized to search my business account number XXXX and corroborate all the charges listed above. \nIntroduction : My name is XXXX XXXX XXXX wife XXXX XXXX was diagnosed with a cXXXX XXXX XXXX and had XXXX in XX/XX/XXXX. The XXXX determined that he was not able to proceed with the XXXX since the XXXX was XXXX XXXX XXXX XXXX. The XXXX   also said that he did not recommend XXXX because the XXXX could harm and destroy healthy tissue. So, the only option left was XXXX. My wife rejected the XXXX treatment because the survival rate is very low and the side effects horrific. \nWe searched for alternative treatments and decided that the XXXX XXXX ) was the best and safest treatment. I had firsthand experience with the therapy since I followed the Therapy for a similar problem I had 8 years ago and I know that the therapy works. I became very knowledgeable regarding this therapy and what was required, and must be strictly followed, for the treatment to be successful. The fresh juices and the food become the medicine and the cure if prepared correctly with fresh organic ingredients. We have at home the required XXXX juicer to follow the diet, the problem is that my work does not allow me to prepare the foods, the hourly fresh juices, the coffee XXXX required daily, administration of nutritional supplements, detoxification routines etc. \nI simply do not have the time. \nWe decided then to search for a treatment center that could provide the above mentioned treatment and found a web page for XXXX XXXX XXXX ( referred below as XXXX ),  that, at least on paper, promised to follow the therapy requirements. We were really committed to this treatment since there was no other alternative. So, we booked 4 weeks of treatment at the XXXX ( See Section A, subsection g ). We traveled from XXXX to XXXX Arizona, rented a car and drove to XXXX. Also all the supplements needed were sent in advance via XXXX to XXXX so we may have them when we arrive. We were really committed and serious about completing the 4 week XXXX treatment. We trusted that XXXX was ready to provide the advertised services. \nBellow I will respond to XXXX rebuttal and explain and document the reasons why we decided to leave XXXX after staying at the facility from XXXX XXXX XX/XX/XXXX, arrival time, until XXXX XXXX departure time next morning : a total of 13 hours. I think that the owner of this Wellness Retreat prey on peoples urgent needs, does not deliver what he promises in the internet pages, telephone conversation and emails. \nXXXX, to my understanding and experience amounts to fraud and false advertisement. I need our money back to treat my wife. \n\nAnswer to XXXX rebuttal. \n1. XXXX is correct that we booked the room and services for 4 weeks. I planned to drop her off XX/XX/XXXX and pick her off XX/XX/XXXX. I had a plane ticket to go back to XXXX at XXXX   the same day. \n2. On XX/XX/XXXX we sent 4 emails to XXXX since they requested us to fill out some admission and acceptance forms and her medical history. ( See Section A Emails a, b, c, d ) 3. We  accepted the cancellations policies with the understanding that XXXX  was able to deliver the advertised services and we accepted in good faith XXXX policies, providing XXXX  with all the requested information to accept my wife into the XXXX XXXX protocol. \n4. My wife was able to walk around the house and take care of herself ( See Section A subsection f ) but she was not able to walk long distances or use stairs due to the disclosed XXXX ( XXXX XXXX XXXX ) and that is why we paid extra for a room down stairs ( See Section A, subsection g Fees Schedule ). We understood and accepted that XXXX was not a hospital but expected XXXX to provide, at least, a minimum safety that any cheap motel offers ; after all we paid almost {$13000.00}. \n5. We never talked to the doctor, we only to talk to the receptionist in the office named XXXX ( See Section A, emails a, b, c, d ). The doctor XXXX XXXX, who according to the letter we received when we left XXXX is the Primary Care Physician of XXXX , XXXX XXXX never called us to design a personalize treatment plan as offered in the XXXX web site page ( See Section K ). \n6. XXXX told as that after reviewing XXXX XXXX admission form and medical history XXXX   accepted our booking for 4 weeks and that our personalized treatment plan was underway. My wife also requested other therapies offered on the XXXX web site ( See Section D and Section H ). After XXXX accepted XXXX XXXX admission forms and medical history, XXXX happily took our deposit of {$3100.00} required to reserve the treatment and services. I was never told that after XXXX examining her admission forms and medical history a companion was mandatory. \n7. We arrived at XXXX on or around XXXX XXXX XXXX.on XX/XX/XXXX, we asked for XXXX but we were informed that he leaves work early. A gentleman in the office showed us around and explained the XXXX routine. I was already surprised and concerned because only the staff present was 2 people. Also I only saw 3 guests in the whole facility. Around XXXX XXXX a lady presented herself as XXXX XXXX XXXX and said that she was the Primary Care Physician. XXXX XXXX asked several questions and told us that the next morning we have to be at XXXX XXXX at XXXX XXXX to have some XXXX XXXX done and told us that for safety reasons my wife needed a 24 hr companion and that was mandatory. We told XXXX XXXX that at the time that we were admitted to XXXX and paid the required deposit, XXXX did not mention that XXXX XXXX needed a companion ; additionally XXXX XXXX was appalled that XXXX did not tell her that other services were requested and added. XXXX XXXX said that she did not know if the additional services could be available. At this point I really begin to have a sinking feeling about the ability, the capacity and communication protocols of XXXX to provide my wife with the booked XXXX XXXX treatment. According to XXXX XXXX my wife was responsible to walk 1.3 miles and come back walking to make the XXXX XXXX test. XXXX XXXX said that XXXX did not offer transportation services. We asked what happened with the supposed personalized treatment offered at the web site and ask her if she read my wife admission forms and medical history. She said she did, but somehow no personalized treatment was produced, at this point I was appalled because it seems that XXXX was an irresponsible facility and that although everything looked fine and dandy in the web site the reality showed a complete disregard for the patient needs and safety. \n8. At around XXXX the same employee who was at the reception desk brought to the room the evening meal that consisted of cooked vegetables and green juice. It is important to notice, as I stated before that the fresh juices and food are the medicines that cure the XXXX. According to my personal experience with the XXXX XXXX and I am well acquainted with the required quality of the juices and food preparation. I immediately noticed that the juice lacked the characteristic surface foam due to the enzymes produced when the juice is freshly made. In others words, the juice was therapeutically dead and ineffective at curing the disease, no enzymes no healing power whatsoever. The cooked vegetables were badly cooked, already oxidized and especially the cauliflower showed signs of having mold. At this point I realized that we were scammed. \nAfter the uneatable food was delivered and on or around XXXX XXXX we wanted to use the bathroom and take a shower but the bathroom hot water was not working. I looked for the room telephone but there was not a telephone to call the front desk. Since there was not telephone in the room, I walked to the front desk and to my surprise everybody was gone. To make things worse I realize that if we had an emergency at night there was no way to ask for help. Our cells phone did not have a signal since XXXX is in a canyon and the cell signals are very week or nonexistent. So I asked myself : What to do now? What kind of business is this? \nIt did not take long to down on us that under these conditions my wife wellbeing was compromised. XXXX was a dangerous place indeed. We decided to come back to XXXX and booked a flight with XXXX XXXX next day leaving XXXX at XXXX XXXX. Certainly the cost of the tickets was twice the cost of our originals tickets and XXXX XXXX did not want to exchange or give us credit for the tickets that we got to come back to XXXX on XX/XX/XXXX. \n\nDecision to leave XXXX XXXX knew very well XXXX XXXX medical condition as per the Admission forms and medical records sent to XXXX ( See Section a ), XXXX stated in their rebuttal that we misled XXXX XXXX. The records received and evaluated by XXXX, records that XXXX use to admit XXXX XXXX treatment speak by themselves and show without a doubt that all the information required was trustfully and timely delivered for their consideration to evaluate XXXX XXXX and admit or reject XXXX XXXX according to XXXX standards. Please see XXXX XXXX letter when we left XXXX .XXXX  XXXX admitted XXXX XXXX with her health condition ; also the doctor was the one who read and accepted XXXX XXXX to be admitted in the first place. We waited for XXXX decision on the admission of XXXX XXXX to the XXXX Program. We completed the final payment of {$9400.00} when we were informed that XXXX XXXX was admitted. \nThe quality of the healing juices and food was below XXXX Institute standards and, as supplied, do not offer any healing effects for a XXXX patient as XXXX XXXX. \nThere was no way to communicate with the outside world to request emergency help since the room did not have a land line, our cellular telephones were dead. No cellular signal whatsoever since XXXX is located in a canyon area. Also there was no one left from the staff to request emergency help. \nWe were informed that a companion was mandatory after we arrived to XXXX ; it was never mentioned even after reading XXXX XXXX XXXX admission forms and medical records. \nWe informed XXXX, and are documented in writing in the XXXX admission forms that we required additional therapies but the therapies were not available when we arrived. \nWe were told that XXXX XXXX XXXX was within walking distance, actually the distance is 1.3 miles the average temperature in XXXX in XXXX is 79 to 80 degrees, ( See Section F see XXXX map and the average weather temperatures ). As said before and according to the admission XXXX XXXX was able to walk reasonable distances inside the retreat but not 1.3 miles with an 80 degree temperature. \nWe really needed the treatment as advertised but we were not able to check the quality and veracity of the program until we arrived to XXXX. \n9. We realized that these people are just money thirsty predators that mislead sick people using a web page that advertise services and products that they can not deliver, they exhibit a total disregard for people safety and have not business ethics and/or human compassion. \n10. Next day XX/XX/XXXX, at XXXX we packed our unopened luggage in the car and I went to the office and waited for XXXX. I told him why we were leaving and he told me that the money was not refundable. I left and came back later and requested a letter so I may try getting to discount from the Airlines and to document that we did not stay at XXXX for more than 13 hours. XXXX XXXX wrote a letter ( See Section A ). \n11. Before we boarded the plane to XXXX we stopped at a Bank of America branch and sent the first claim, the claim was faxed directly to the claims department from the Bank of America branch ( See Section A ). Next, 2 o 3 days after I faxed the second claim from my Bank of America from the branch in XXXX were I opened the account in XXXX. \n12. Some days after we received a Gift Letter email from XXXX saying that we could come back and use the facility later on. I talked to XXXX later and told him that we were not interested and that we needed to use the unavailable services at the time we were there! I told XXXX that they were a fraud and the web site was rampant with false and misleading information. He insisted that XXXX will not refund any monies although no services were rendered. We only stayed at XXXX 13 hours, my wife planned to stay 4 weeks. We did not travel from XXXX to XXXX, traveled by car to XXXX just to stay at XXXX 13 hours. We paid our fees in advance and in good faith and had no way to check for the veracity of the services until we arrived to XXXX. Lately I found that the XXXX area XXXX XXXX XXXX has only one review and it is negative. ( See Section B ) Furthermore XXXX is not XXXX accredited. \n13. XXXX and the owner said that they record only certain conversations ; conveniently they do not record the conversations that prove them wrong. \n14. We felt confident about XXXX since we sent the admissions forms, the medical history and we were accepted for the therapy. My wife planned to stay but the existing conditions encountered made it impossible to receive a successful treatment, after all we are talking about XXXX. XXXX is trying to get away with a fraudulent offer and false advertisement not only they profit from people urgent needs but also show total disregard for peoples life. I demand and need my money back to treat my wife immediately. \n\nMy question is : If I pay with my Bank of Americas Visa issued Debit Card which is supposed to protect my interest against defective merchandise and/or con artist, Dont I have a right to demand a refund? What is the protection that Bank of Americas Visa offers? \n\nMoney lost according to XXXX based of XXXX inability to book the room to another patient. \nAccording to XXXX policies if you cancel you lose your deposit in this case {$3100.00} and {$9400.00} for a total of {$12000.00}. You are required to pay the balance ( {$9400.00} ) 7 days before arriving which we did. Notice that, it appears that if you do not pay the balance before arrival, you lose the deposit. This implies that XXXX will take your deposit and happily re-book the room in one week to another patient.\n\nAlso notice that XXXX did not lose any monies for the services listed below since they did not provide any of them and these includes the following : 1. 13 daily juices for 30 days for a total of 390 healing juices.\n\n2. 3 daily meal and breakfast for a total of 120 meals.\n\n3. Daily laundry service for 30 days 4. Daily cleaning room, bed sheets etc. service for 30 days 5. Wages payable to employees performing the above mentioned services.\n\n6. Electric bills for lighting, air conditioning and heating.\n\n7. 5 daily XXXX for s total of 150 XXXX. \nXXXX did not have to spend a penny on the above mentioned services because they did not provide any, despite their claimed inability to book the room again.","date_sent_to_company":"2018-08-10T16:19:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33174","tags":"Older American","has_narrative":true,"complaint_id":"2987549","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-08-10T15:22:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I use Bank of Americas Visa provided debit <em>card</em> for most of my transactions., except when I need to pay with a paper check. I use the <em>card</em> because I trust the ability of Bank of America to recuperate any payments made to merchants that do not deliver goods and services as advertised. I demand that the claims mentioned above be thoroughly, carefully and completely investigated."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["Credit <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[4.808383,"2987549"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":8,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":8}]}},"product":{"doc_count":8,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":5}]}},{"key":"Credit card or prepaid card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Virtual currency","doc_count":1}]}}]}},"issue":{"doc_count":8,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a purchase shown on your statement","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":3}]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a credit card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Delay in processing application","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with customer service","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}}]}},"timely":{"doc_count":8,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":8}]}},"company_response":{"doc_count":8,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":7},{"key":"Closed with monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":8,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":8}]}},"company":{"doc_count":8,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":2},{"key":"CITIBANK, N.A.","doc_count":2},{"key":"AMERICAN EXPRESS COMPANY","doc_count":1},{"key":"Coinbase, Inc.","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"Klarna AB","doc_count":1}]}},"state":{"doc_count":8,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":2},{"key":"GA","doc_count":2},{"key":"MT","doc_count":2},{"key":"PA","doc_count":1}]}},"company_public_response":{"doc_count":8,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":4}]}},"tags":{"doc_count":8,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}