{"took":122,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":275,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8750133","_score":17.229853,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/24, I have a XXXX XXXX XXXX XXXX which I got paid. Cash of XXXXXXXX XXXX, I stopped by chase bank in XXXX XXXX XXXX which is the bank. I save around XXXX XXXX to deposit the money of {$5000.00} into my account for payment and other expenses I owe, I use my ATM card and deposited the money, after I deposited the money, the receipt from the ATM gave me show no indication of the amount of money deposited into my account but shows an error that the ATM is broken and do not accept cash show no indication that the money was deposited into my account, either I took a screenshot which indicate the ATM machine is broken. The amount of money was not registered into my account either. I called Chase bank claim department and with the number on the receipt I reported the situation if they can look into the camera and the evidence and the screenshot that I have to deposit XXXX XXXX cash but but the ATM is broken and error and did not indicate the amount of money into my account the claim number was XXXX, they they refunded XXXX but later on after four days went back into my account and took XXXX XXXX XXXX from my account since then I have tried calling Chase Bank claim center to file a new claim. Talk to the supervisor try to resolve if they can put the money back into my account to know avail I spoke to XXXX XXXX and branch manager, XXXX XXXX, and all they said they have closed my case, and they have exhausted all the investigation towards this matter and kept my money. I feel like somebody need to help me, but they have denied all my claim and my evidence that I provided to them and still did not refund me my money back, please I need help because I have just a small business to Survive And And I think they can check the cameras the receipt I showed them and the amount of money they retrieve from the ATM after I reported the incident Thanks XXXX XXXX.","date_sent_to_company":"2024-04-17T19:43:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60446","tags":null,"has_narrative":true,"complaint_id":"8750133","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-04-12T02:22:38.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["On <em>XX/XX</em>/24, I have a <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>which</em> I got paid. Cash of XXXXXXXX <em>XXXX</em>, I stopped by chase bank in <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>which</em> is the bank."]},"sort":[17.229853,"8750133"]},{"_index":"complaint-public-v1","_id":"4268323","_score":16.403044,"_source":{"product":"Checking or savings account","complaint_what_happened":"Claim XXXX was submitted to Capitol One regarding unauthorized charges on my account. On XX/XX/XXXX Capitol One reversed the credit issued stating the charge was valid. The charge of {$820.00} posted to my account on XXXX XXXX. On XX/XX/XXXX Capitol One issued the temporary credit for {$770.00} ad the charges should have been {$41.00} as per the merchant, Code XXXX XXXX. Capitol One was provided a copy of my drivers license and a itemized receipt, along with a signed copy of the debit card receipt. The signature is clearly NOT my signature. This is clearly evident as per the signature on my Drivers License and card receipt. The merchant never provided me with an itemized receipt or a debit card receipt. They stated the machine was broken. This is clearly fraud and Capitol One has an obligation to conduct a proper investigation and protect their customer. \n\nLast message sent to Capitol one on XX/XX/XXXX and have received NO response : I am writing again to request a copy of my SIGNED debit card payment receipt. I received the documents previously provided by Capitol One, none of which have my signature indicating my agreement for the charges. \n\nThe establishment in question took my debit card and ID upon entering. Upon asking for my check, I was shown a handheld card reader machine with an amount and told it was in XXXX pesos. Nothing else was provided. \n\nThe merchant CODE XXXX XXXX, requested to copy my identification and swipe my debit card upon entry into the establishment, and again when I requested to pay the charges. I was shown a handheld terminal screen and told the amount was in XXXX PESOS, not US dollars. \n\nThe itemized receipt you provided is not a representation of what I ordered in the establishment. \n\nThis is XXXX and I expect Capitol One to resolve it. I have no way of contacting the merchant.","date_sent_to_company":"2021-04-02T11:28:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"980XX","tags":null,"has_narrative":true,"complaint_id":"4268323","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-04-02T11:03:13.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Capitol One was <em>provided</em> a copy of my drivers license and a itemized <em>receipt</em>, along with a signed copy of the debit card <em>receipt</em>. The signature is clearly NOT my signature. This is clearly evident as per the signature on my Drivers License and card <em>receipt</em>. The merchant never <em>provided</em> me with an itemized <em>receipt</em> or a debit card <em>receipt</em>. They stated the machine was <em>broken</em>. This is clearly fraud and Capitol One has an obligation to conduct a proper investigation and protect their customer."]},"sort":[16.403044,"4268323"]},{"_index":"complaint-public-v1","_id":"19789932","_score":15.603584,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I purchased a vehicle from a dealership and financed it through a lender. This was my first time purchasing a vehicle. I provided {$1000.00} for the down payment, but the paperwork submitted to the financing company listed the down payment as {$1500.00}. I later discovered that some of my personal information provided to the financing company was also incorrect. \n\nWithin XXXX days of purchase, the vehicle broke down and my mechanic identified serious mechanical issues including a defective wheel bearing and a broken XXXX axle. The dealership claimed they paid {$2000.00} for repairs, but the mechanic later stated that the dealership had not actually paid for those repairs and no receipt was provided. \n\nAdditional issues appeared, and on XX/XX/XXXX the transmission completely failed, making the vehicle inoperable. I attempted to resolve the issue with the dealership, but they refused and told me to handle it through magistrate court. \n\nI am requesting that the financing company ( Global Lending Services ) investigate the inaccurate loan information and the circumstances under which this loan was originated for a defective vehicle.","date_sent_to_company":"2026-02-25T22:04:34.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"29210","tags":null,"has_narrative":true,"complaint_id":"19789932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Global Lending Services LLC","date_received":"2026-02-25T21:37:16.000Z","state":"SC","company_public_response":null,"sub_issue":"Problem with signing the paperwork"},"highlight":{"complaint_what_happened":["I <em>provided</em> {$1000.00} for the down payment, but the paperwork submitted to the financing company listed the down payment as {$1500.00}. I later discovered that some of my personal information <em>provided</em> to the financing company was also incorrect. \n\nWithin <em>XXXX</em> days of purchase, the vehicle broke down and my mechanic identified serious mechanical issues including a defective wheel bearing and a <em>broken</em> <em>XXXX</em> axle."]},"sort":[15.603584,"19789932"]},{"_index":"complaint-public-v1","_id":"2464905","_score":15.55706,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Our credit card was taken while we were on vacation in  XXXX  and ran for a fraudulent amount. The receipt that was turned in to  XXXX  was an obvious forgery. We have provided  XXXX  with documentation showing that it is not our signature. Immediately after noticing the amount on our statement on the evening it was stolen we cancelled our card for fraud.  XXXX  refuses to help us locate the merchant, a bill of sale, an address, or even a phone number for the person who stole from us, they will not tell us what was allegedly purchased at a gas station for exactly  XXXX  pesos. The receipt provided to them by the thief has \" duplicado '' ( duplicate ) written on it which shows it is not an original receipt and is indeed a reprint that they forged during the dispute process. We were charged  XXXX   pesos ( {$640.00} ) a nd we 100 % did not authorize this sale, nor do we know what we supposedly purchased. We believe this occurred at a gas station in  XXXX  where the attendant took our card, ran it for the fraudulent amount, and then told us the machine was broken. He then forged my name when  XXXX  called asking for the receipt.  XXXX  has stopped returning our calls and answering our letters, they refuse to open the case again even after sending multiple certified letters and notarized faxes. We feel like we have been robbed twice, once by the attendant in  XXXX  and once again by  XXXX . Please help.     References ( a common scam in  XXXX   )  : http :  XXXX  https :  XXXX","date_sent_to_company":"2017-04-24T19:58:42.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"23116","tags":null,"has_narrative":true,"complaint_id":"2464905","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2017-04-24T19:29:08.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["<em>XXXX</em>  refuses to help us locate the merchant, a bill of sale, an address, or even a phone number for the person who stole from us, they will not tell us what was allegedly purchased at a gas station for exactly  <em>XXXX</em>  pesos. The <em>receipt</em> <em>provided</em> to them by the thief has \" duplicado '' ( duplicate ) written on it <em>which</em> shows it is not an original <em>receipt</em> and is indeed a reprint that they forged during the dispute process."]},"sort":[15.55706,"2464905"]},{"_index":"complaint-public-v1","_id":"17448637","_score":15.430028,"_source":{"product":"Checking or savings account","complaint_what_happened":"The heart of my complaint is that the bank provided clear, documented misinformation regarding the availability of a significant deposit. On Friday, XX/XX/XXXX, I deposited a large check, and both the branch employee and the official transaction receipt explicitly confirmed that the funds would be fully available today, Saturday, XX/XX/XXXX. Despite this specific, written promise, the bank failed to release the funds, imposing an arbitrary hold that immediately plunged my account into a negative status. The severity of this failure forced me to hastily borrow money from my mother to cover the negative balance and prevent the accumulation of further unauthorized fees, demonstrating the immediate personal financial distress caused by the bank 's error. Furthermore, when I contacted the Branch Manager to resolve this urgent situation, I provided all necessary verification contacts for the check but was met with a flat refusal to make a simple, standard banker-to-banker call, which I view as a profound failure to mitigate the damage caused by their initial broken promise.","date_sent_to_company":"2025-11-23T01:57:47.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"28213","tags":"Servicemember","has_narrative":true,"complaint_id":"17448637","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-11-23T01:36:15.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The heart of my complaint is that the bank <em>provided</em> clear, documented misinformation regarding the availability of a significant deposit. On Friday, XX/XX/<em>XXXX</em>, I deposited a large check, and both the branch employee and the official transaction <em>receipt</em> explicitly confirmed that the funds would be fully available today, Saturday, XX/XX/<em>XXXX</em>."]},"sort":[15.430028,"17448637"]},{"_index":"complaint-public-v1","_id":"11851829","_score":15.061604,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, I was charged {$200.00} for an online purchase from XXXX. However, I did not receive the merchandise nor a receipt for this transaction. Subsequently, I filed a complaint with my credit card company, Capital One, due to the absence of a receipt. Shortly thereafter, I received the merchandise, very late. which was unfortunately damaged. I promptly reported this issue and submitted a formal complaint ; however, I did not receive any resolution until XXXX, at which time I was charged again for the same items. Or credits was removed. \n\nUpon contacting Capital One, I provided all pertinent information including details regarding the damaged items and copies of my correspondence with the company requesting a return label. Additionally, I submitted screenshots of the companys website indicating that returns are accepted. Despite my efforts, XXXX has yet to respond to my inquiries. \n\nCapital One informed me that they would honor the charge, citing that the items had been delivered. I clarified that I did not order delivery of broken or damaged items, as my expectation was for the items to arrive in good condition. Capital One indicated that until I could obtain a receipt from XXXX, I would be held responsible for the charges. I continued to provide additional information and evidence suggesting that XXXX operates as a fraudulent entity. However, a Senior Account Manager at Capital One advised me that there would be no changes to my situation until I could furnish the requested receipt. XXXX doesnt respond and I have only a text message with an order number.","date_sent_to_company":"2025-01-30T19:39:32.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"03103","tags":null,"has_narrative":true,"complaint_id":"11851829","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-30T19:02:51.000Z","state":"NH","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I was charged {$200.00} for an online purchase from <em>XXXX</em>. However, I did not receive the merchandise nor a <em>receipt</em> for this transaction. Subsequently, I filed a complaint with my credit card company, Capital One, due to the absence of a <em>receipt</em>. Shortly thereafter, I received the merchandise, very late. <em>which</em> was unfortunately damaged."]},"sort":[15.061604,"11851829"]},{"_index":"complaint-public-v1","_id":"6493749","_score":15.041712,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This timeline is regarding Venmo XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX submits a {$450.00} security deposit via Venmo for a vacation rental made through booking.com XX/XX/XXXX XXXX XXXX checks out and upon immediate inspection there is a clogged and inoperable dishwasher and a broken bed. \nXX/XX/XXXX {$430.00} in expenses were incurred due to repairs to the dishwasher and bed and {$16.00} was returned to XXXX XXXX. On that same day, she filed a dispute with Venmo XXXX. The claim is never received the item. \nXX/XX/XXXX the Venmo application would not allow me to upload the photographic evidence along with the receipts so Venmo provides a link via email to do this. \nXXXX Venmo refunds her the {$450.00} WITHOUT ALLOWING me the opportunity to respond to this claim!! \nXXXX Appeal is filed due to 1 ) Venmo failing to allow me to respond to XXXX dispute and 2 ) Venmo app failure to allow me to upload the evidence. I am given until XXXX to provide this evidence. Venmo asks for photos of damage. \nXXXX A Copy of the reservation is provided to Venmo along with the written exchange in which XXXX confessing to the bed damage. Further, I also provide photographic evidence of a damaged and clogged dishwasher and broken bed slats. I also include a copy of the receipt of the appliance repair company. All of this evidence is irrefutable evidence of the damage caused by XXXX. \nXXXX Venmo confirms receipt of this evidence. \nXX/XX/XXXX After not hearing from Venmo on the evidence provided, I email to follow up. No response. I also called and am asked to email again. \nXXXX I called customer support and the email response asks me to call. I am then asked to email Venmo. \nXX/XX/XXXX I call and email Venmo due to the time that has lapse without a response. I am told that this matter will be escalated to account specialist team and to expect a response. \nXX/XX/XXXX One day after the multiple calls made, Venmo representative XXXX XXXX indicates that after careful investigation the appeal is denied. \nThere was no careful investigation because there was no response from Venmo for months until I started to press for a response from Venmo. Secondly, the evidence of the photographs, the receipt, and the WRITTEN CONFESSION from XXXX herself that she damaged the bed should be enough evidence to prove without question that the damages were incurred and that as such I have a right to be reimbursed for these damages. The guest did receive the item, in this case a reservation with a security deposit.","date_sent_to_company":"2023-01-26T16:32:50.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"91604","tags":"Servicemember","has_narrative":true,"complaint_id":"6493749","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2023-01-26T16:15:53.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>XXXX</em> A Copy of the reservation is <em>provided</em> to Venmo along with the written exchange in <em>which</em> <em>XXXX</em> confessing to the bed damage. Further, I also provide photographic evidence of a damaged and clogged dishwasher and <em>broken</em> bed slats. I also include a copy of the <em>receipt</em> of the appliance repair company. All of this evidence is irrefutable evidence of the damage caused by <em>XXXX</em>. \n<em>XXXX</em> Venmo confirms <em>receipt</em> of this evidence."]},"sort":[15.041712,"6493749"]},{"_index":"complaint-public-v1","_id":"13331376","_score":14.859746,"_source":{"product":"Student loan","complaint_what_happened":"This account was transferred to Nelnet ( NNI ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; who had engaged in acts of deception and made numerous errors on the account, as well as having broken numerous consumer protection laws, including the FDCPA, FCRA, TCPA, Indiana Senior Consumer Protection Act, Indiana Deceptive Consumers Sales Act. This occurred in XXXX and XXXX. We then sent letters to Nelnet by Certified Mail ( CM ) several times in XXXX and XXXX, detailing the serious misconduct by XXXX. \n\nDespite signing for the CM and acknowledging receipt of the written complaint and violations of law, XXXX never responded to the CM, nor provided any answers to the questions raised in the CM. XXXX never corrected any of the errors- some of which may have been not just errors but deliberate acts of covering-up acts of deception. XXXX then began a series of doing many of the same violations of law. \n\nXXXX seems to have a Compliance Problem.","date_sent_to_company":"2025-05-04T22:53:38.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"46205","tags":"Older American","has_narrative":true,"complaint_id":"13331376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-05-04T22:23:46.000Z","state":"IN","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["We then sent letters to Nelnet by Certified Mail ( CM ) several times in <em>XXXX</em> and <em>XXXX</em>, detailing the serious misconduct by <em>XXXX</em>. \n\nDespite signing for the CM and acknowledging <em>receipt</em> of the written complaint and violations of law, <em>XXXX</em> never responded to the CM, nor <em>provided</em> any answers to the questions raised in the CM. <em>XXXX</em> never corrected any of the errors- some of <em>which</em> may have been not just errors but deliberate acts of covering-up acts of deception."]},"sort":[14.859746,"13331376"]},{"_index":"complaint-public-v1","_id":"13661400","_score":14.791565,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX Account number XXXX Claim ID XXXX Called for resubmission of claim on XX/XX/XXXX Submitting documents XX/XX/XXXX RESUBMITTING XX/XX/XXXX Good afternoon to the Bank of America Fraud Department : I am very disappointed that this claim, which was reopened, was dismissed as a duplicate claim. \n\nI NEVER RECEIVED THE MERCHANDISE ORDERED AND DEMAND A FULL REFUND. \n\nPlease investigate this claim once more and refund me the {$450.00} that was deducted from my account. \n\nOn XX/XX/XXXX, I purchased a chair from XXXXXXXX XXXX XXXXXXXX for {$49.00}. This was online, either a XXXX or XXXX ad. I have the receipt from XXXX XXXX and it is included in this claim. \n\nI received an email receipt as well from XXXXXXXX XXXX XXXXXXXX in the amount of {$49.00}. It is attached to this claim. \n\nOn XX/XX/XXXX, as I was driving in my car, I received a notification that XXXXXXXX XXXX XXXXXXXX charged me {$490.00} for the chair. This was not the original price I authorized. I am attaching that receipt as well. \n\nOverall, I approved and provided my card number for {$49.00} only. That is all. I had to close my card and request a new one. This is FRAUD. I attempted to resolve with the merchant however the links were broken. There is no phone number. I also never received the chair. \n\nI am asking you to please refund me the money that was stolen from me. \n\nXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-22T20:31:34.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"242XX","tags":null,"has_narrative":true,"complaint_id":"13661400","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-05-22T20:20:37.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["I am attaching that <em>receipt</em> as well. \n\nOverall, I approved and <em>provided</em> my card number for {$49.00} only. That is all. I had to close my card and request a new one. This is FRAUD. I attempted to resolve with the merchant however the links were <em>broken</em>. There is no phone number. I also never received the chair. \n\nI am asking you to please refund me the money that was stolen from me. \n\n<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"]},"sort":[14.791565,"13661400"]},{"_index":"complaint-public-v1","_id":"15108886","_score":14.09072,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint regarding Capital Ones handling of a dispute I initiated for an XXXX transaction. Despite providing substantial and well-documented evidence, the issue has been mishandled, neglected, and repeatedly closed without proper review. \nSpecifically, I provided : A detailed written statement of events, The XXXX  receipt and confirmation code, Highlighted sections of XXXX XXXX XXXX XXXX, Safety Policies, and Honest Communication Guidelines relevant to the violations, References to U.S. laws that were broken during the XXXX stay, clear screenshots dated and times via XXXX XXXX XXXX XXXX of communications between myself and the host as well as myself and XXXX XXXX customer support, I provided email communications with XXXX XXXX and CEO as well, I also provided my clear attempt to get the refund myself from air bnb- the reasonable request to be refunded half the transaction amount.\n\nCapital One has reopened and closed this dispute three separate times in one day, often closing it at odd hours ( e.g., XXXX XXXX XXXX XXXX XXXX ) which strongly suggests that no thorough review was ever conducted.\n\nOn one of the re-open attempts, Capital One incorrectly initiated a case for a completely unrelated transaction, which was then quickly denied and closed. This further demonstrates a lack of attention to detail and due process.\n\nAt this point, I feel my dispute is not being taken seriously, and I have exhausted reasonable efforts through Capital Ones internal channels. I am asking the CFPB to intervene to ensure this matter is properly reviewed and handled in accordance with consumer protection standards.","date_sent_to_company":"2025-08-07T06:54:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"75094","tags":null,"has_narrative":true,"complaint_id":"15108886","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-08-07T06:33:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Specifically, I <em>provided</em> : A detailed written statement of events, The <em>XXXX</em>  <em>receipt</em> and confirmation code, Highlighted sections of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, Safety Policies, and Honest Communication Guidelines relevant to the violations, References to U.S. laws that were <em>broken</em> during the <em>XXXX</em> stay, clear screenshots dated and times via <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> of communications between myself and the host as well as myself and <em>XXXX</em> <em>XXXX</em> customer support, I <em>provided</em> email communications with <em>XXXX</em> <em>XXXX</em> and"]},"sort":[14.09072,"15108886"]},{"_index":"complaint-public-v1","_id":"2173727","_score":13.704113,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX/XXXX/2016 I started the process to get a debt from Portfolio Recovery Associates validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute XXXX { XXXX XXXX XXXX ], which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no verification, all that was done within the 30 days they had was mark their trade line on my report as \" Disputed ''. Already with no proof of MY signature validating the debt and their lack of response, they have already broken Federal law. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, that they have broken Federal law, as good will giving them XXXX last chance to have them to validate the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been ZERO response from this agency. All letters have been ignored, short of the first letter with them marking their trade line as \" Disputed '' except now reads \" Dispute resolved- Consumer Disagrees ''. I have all documentation of my attempts of correspondence with Portfolio Recovery, and will also be attached with my complaint.","date_sent_to_company":"2016-10-23T18:34:32.000Z","issue":"Disclosure verification of debt","sub_product":"Credit card","zip_code":"553XX","tags":null,"has_narrative":true,"complaint_id":"2173727","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2016-10-23T18:34:31.000Z","state":"MN","company_public_response":null,"sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["I sent a certified letter dated <em>XXXX</em>/<em>XXXX</em>/2016 to the address listed on my credit report ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, VA <em>XXXX</em> ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute <em>XXXX</em> { <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ], <em>which</em> requires them to send me validation containing MY signature for the debt owed to them within 30 days of <em>receipt</em> of my letter. The letter was received on <em>XXXX</em>/<em>XXXX</em>/2016."]},"sort":[13.704113,"2173727"]},{"_index":"complaint-public-v1","_id":"4488979","_score":13.619711,"_source":{"product":"Debt collection","complaint_what_happened":"CENTRAL PORTFOLIO CONT XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX This company is attempting to collect on a debt not owed. I broke an apartment lease in 2017 due to uninhabitable living conditions. I provided proof of a broken heater, causing my apartment to be freezing in the winter, a harrassing downstairs neighbour ( XXXX XXXX in XXXX ), a continous gas smell and carbon monoxide alarm, and the property managers would not resolve the issues. I submitted work orders prior to moving out for these issues as well as a clogged drain. I broke my lease and paid the early termination fee, which I have the receipt for. I cleaned the apartment prior to moving out, and am disputing the cleaning charges as the carpet did not need to be replaced, as I spent only a handful of days actually residing in the unit due to the horrible treatment and conditions. My mother and ( XXXX XXXX ) were both in contact with the property management company and were reassured all charges were paid in full after seeking an attorney on the issue. Do we need to seek another one all these years later? All documentation is readily available if so.","date_sent_to_company":"2021-06-24T15:57:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"87111","tags":null,"has_narrative":true,"complaint_id":"4488979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Central Portfolio Control Inc.","date_received":"2021-06-24T15:39:28.000Z","state":"NM","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["CENTRAL PORTFOLIO CONT <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, MN <em>XXXX</em> ( <em>XXXX</em> ) <em>XXXX</em> This company is attempting to collect on a debt not owed. I broke an apartment lease in 2017 due to uninhabitable living conditions. I <em>provided</em> proof of a <em>broken</em> heater, causing my apartment to be freezing in the winter, a harrassing downstairs neighbour ( <em>XXXX</em> <em>XXXX</em> in <em>XXXX</em> ), a continous gas smell and carbon monoxide alarm, and the property managers would not resolve the issues."]},"sort":[13.619711,"4488979"]},{"_index":"complaint-public-v1","_id":"1924854","_score":13.481743,"_source":{"product":"Money transfers","complaint_what_happened":"This is in reference to an order I placed with XXXX XXXX and paid for using a money transfer through PayPal. The majority of items I received were damaged or the wrong size, and some items were not sent at all. I have been unable to resolve this matter through PayPal or with the seller directly. The seller has refused to communicate with me in any capacity, including ignoring my inquiries about how to return items or get an itemized billing invoice. \n\nI believe this seller has perpetuated systematic wrongdoing. After receiving the damaged goods and being unable to reach the seller, I researched the company online. I found an overwhelming number of consumers complaining about the company and allegations of fraud and misrepresentation. At the very least, this company has violated implied warranties that arise from usage of trade in this industry to provide undamaged items of fair average quality. By refusing to communicate with consumers and making it impossible to return items, this company has insulated itself from being held accountable. \n\nI ordered items totaling {$100.00} by clicking the link provided on XXXX. I did not receive an order confirmation or itemized order receipt after ordering. At this point, I became concerned, but thought I would receive an invoice/receipt with my physical ordered when I received it. \n\nUpon receipt, I immediately noticed that the majority of items were damaged and of extremely poor quality. For example, hair clips were broken and would not open, jewelry with beading or inserts were missing pieces, a shirt had a hole in the collar, stockings/pantyhose were not as depicted on the website, and XXXX shirt was the wrong size. Further, some jewelry and accessory items that I ordered were not included in the package. I received other packages over the next few weeks, but none completed my order and none had an invoice or receipt. \n\nAfter waiting a few additional days to see if the remainder of my items would arrive, I tried to contact the seller through the XXXX website help function ; however, the chat/help function was broken every time I attempted to use it, which occurred on multiple days during different times of day. \n\nOn XXXX XXXX, 2015, I initiated a dispute with PayPal. The seller offered a refund of about {$24.00}, which I rejected and escalated the dispute to a claim on XXXX XXXX, 2015 with PayPal. PayPal rejected the claim on XXXX XXXX, stating that I did not provide documentation in a timely manner. However, during the time between claim escalation and closure, PayPal never requested any further documentation and the status on the website was that it was continuing to review the claim. Then the claim was abruptly closed. I followed up with PayPal to try to re-open the claim so I could provide photographs of the items, but their policy is to not re-open a claim after it has been closed. The seller then unilaterally issued me a refund of {$2.00}, which I tried to reject, but was unable to do so. \n\nThroughout I had tried to email the seller, and after the claim was closed I sent another email that included a letter from myself as an attorney, explaining applicable Virginia contracts and sales law and requesting a full refund and a pre-paid shipping label. I never received a response to these communications. There was no mailing address for the seller so I could not mail a physical copy of the letter, but did email it to both email addresses provided on PayPal for the seller. \n\nI would appreciate any assistance in this matter. I simply would like to return the damaged and non-conforming items to the seller for a full refund, including the seller paying for return shipping costs. Thank you very much for your time, and for providing this service to consumers.","date_sent_to_company":"2016-05-14T21:51:49.000Z","issue":"Other service issues","sub_product":"International money transfer","zip_code":"20169","tags":null,"has_narrative":true,"complaint_id":"1924854","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2016-05-14T21:51:49.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["After waiting a few additional days to see if the remainder of my items would arrive, I tried to contact the seller through the <em>XXXX</em> website help function ; however, the chat/help function was <em>broken</em> every time I attempted to use it, <em>which</em> occurred on multiple days during different times of day. \n\nOn <em>XXXX</em> <em>XXXX</em>, 2015, I initiated a dispute with PayPal. The seller offered a refund of about {$24.00}, <em>which</em> I rejected and escalated the dispute to a claim on <em>XXXX</em> <em>XXXX</em>, 2015 with PayPal."]},"sort":[13.481743,"1924854"]},{"_index":"complaint-public-v1","_id":"3342397","_score":13.301249,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/19 I deposited {$140.00} dollars to pay my car insurance bill around XXXX XXXX exact into my new bank of america card and instead of an employee putting a sign stating the ATM is broken or not taking cash deposits, they let people deposit their cash and later on the ATM prints out a receipt stating that they can not process my request or return my items and to call a number provided from bank of america. They told me to wait two business days and now I was told 48 more hours or till the XXXX of XXXX, or even 45 business days. It's ridiculous how I have to wait for my money to get credited in my account, which now I'm late paying my car insurance because of this bank 's employees. 2 weeks before this, I deposited my check from my job. I was told it'd be one business day, I called bank of america and they told me till Monday then I called Monday and the money took a whole week on Friday to release the hold on my funds. I've only had this bank for a month and they always hold my funds. They don't want to release the XXXX.","date_sent_to_company":"2019-08-15T17:45:09.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33033","tags":null,"has_narrative":true,"complaint_id":"3342397","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-08-15T17:14:43.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["<em>XX/XX</em>/19 I deposited {$140.00} dollars to pay my car insurance bill around <em>XXXX</em> <em>XXXX</em> exact into my new bank of america card and instead of an employee putting a sign stating the ATM is <em>broken</em> or not taking cash deposits, they let people deposit their cash and later on the ATM prints out a <em>receipt</em> stating that they can not process my request or return my items and to call a number <em>provided</em> from bank of america."]},"sort":[13.301249,"3342397"]},{"_index":"complaint-public-v1","_id":"6126525","_score":13.269983,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I stayed at the XXXX XXXX in XXXX, XXXX. I paid {$330.00} through XXXX on XX/XX/2022 for the evening of XX/XX/2022. When I arrived, the hotel insisted I never paid even though I had my CC statement and the receipt from XXXX to show them. Then they tried to charge me more than double the room price ( {$650.00} ) and Discover declined it due to an exceeding of my credit limit. After this, they processed the {$300.00} incidental hold ( which over the phone they told me twice that they do not charge to any guests ). \n\nThe room was atrocious, shower floor was falling apart under my feet, bugs were flying around the room, hair and dirt all over the room and bathroom, room phone was broken, 1/4 roll of toilet paper was provided. I went to dinner and came back to discover these details. The front desk would not answer the phone when I used my cell ( since the room phone was broken ), no one was at the desk when I went down. They abandoned the desk until XXXX, I was forced to stay because I could not get my card off file since no one was there to assist me in the middle of the night. I have contacted them directly and asked for a refund through the messaging feature on XXXX app, they said a manager would reach me but no one has. I asked XXXX for help, they said they cant. So I contacted Discover, my CC company. They said because I stayed the night they cant dispute the charge. However, I tried to leave but there wasnt anyone available at the front desk to assist me. This is insanity and I need my money back. Please help me. I went to XXXX for a hospital visit because I have a health problem. This was a 3 hour drive plus a 3 hour train ride then a walk to the hotel just to result in such a disgusting situation.","date_sent_to_company":"2022-10-25T21:44:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"12901","tags":null,"has_narrative":true,"complaint_id":"6126525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2022-10-25T21:39:47.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["After this, they processed the {$300.00} incidental hold ( <em>which</em> over the phone they told me twice that they do not charge to any guests ). \n\nThe room was atrocious, shower floor was falling apart under my feet, bugs were flying around the room, hair and dirt all over the room and bathroom, room phone was <em>broken</em>, 1/4 roll of toilet paper was <em>provided</em>. I went to dinner and came back to discover these details."]},"sort":[13.269983,"6126525"]},{"_index":"complaint-public-v1","_id":"2865620","_score":13.131982,"_source":{"product":"Debt collection","complaint_what_happened":"I received a phone call on my work phone on XX/XX/XXXX at XXXX XXXX, from a guy whom never stated his name. It caught me by surprise because he addressed me by first and last name, he state that he was hired by a company to investigate and track me down for a debt that I owe and if I did not pay this debt within 48 hrs he was going to come to my job and serve me papers to have my wages garnished. I asked whom was the company that hired him he stated he did not know that information but if I wanted to contact them I could call them and settle the debt, so that he would not have to serve me at work. I wrote the information down and contacted the number he provided me, I provided the woman with the case number and she told me that I owed {$530.00} ( to XXXX ) with a {$6.00} processing fee. If I did not pay that amount immediately they were going to garnish my wages for triple that amount. Which made me fearful, I promptly made the payment so that he wouldn't come to my job and have my wages garnished. My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be broken into 2 payments.On XX/XX/XXXX I  paid {$490.00} plus {$6.00} processing fee, the women emailed me an receipt. The next day XX/XX/XXXX the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a receipt or paid in full letter as the women said she would email to me. On XX/XX/XXXX I  tried to contact that same number to have them send my paid in full letter the phone number no longer workers. I've called the phone number on the invoice/google and left a voice mail and have not gotten a response.","date_sent_to_company":"2018-04-05T14:54:14.000Z","issue":"False statements or representation","sub_product":"Payday loan debt","zip_code":"45251","tags":null,"has_narrative":true,"complaint_id":"2865620","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Oracle Financial Group LLC.","date_received":"2018-04-05T13:04:01.000Z","state":"OH","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be <em>broken</em> into 2 payments.On XX/XX/<em>XXXX</em> I  paid {$490.00} plus {$6.00} processing fee, the women emailed me an <em>receipt</em>. The next day XX/XX/<em>XXXX</em> the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a <em>receipt</em> or paid in full letter as the women said she would email to me."]},"sort":[13.131982,"2865620"]},{"_index":"complaint-public-v1","_id":"2865548","_score":13.115768,"_source":{"product":"Debt collection","complaint_what_happened":"I received a phone call on my work phone on XX/XX/XXXX at XXXX XXXX, from a guy whom never stated his name. It caught me by surprise because he addressed me by first and last name, he state that he was hired by a company to investigate and track me down for a debt that I owe and if I did not pay this debt within 48 hrs he was going to come to my job and serve me papers to have my wages garnished. I asked whom was the company that hired him he stated he did not know that information but if I wanted to contact them I could call them and settle the debt, so that he would not have to serve me at work. I wrote the information down and contacted the number he provided me, I provided the woman with the case number and she told me that I owed {$530.00} ( to XXXX ) with a {$6.00} processing fee. If I did not pay that amount immediately they were going to garnish my wages for triple that amount. Which made me fearful, I promptly made the payment so that he wouldn't come to my job and have my wages garnished. My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be broken into 2 payments.On XX/XX/XXXX I paid {$490.00} plus {$6.00} processing fee, the women emailed me an receipt. The next day XX/XX/XXXX the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a receipt or paid in full letter as the women said she would email to me. On XX/XX/XXXX I tried to contact that same number to have them send my paid in full letter the phone number no longer workers. I've called the phone number on the invoice/XXXX and left a voice mail and have not gotten a response.","date_sent_to_company":"2018-04-05T14:54:22.000Z","issue":"False statements or representation","sub_product":"Payday loan debt","zip_code":"45251","tags":null,"has_narrative":true,"complaint_id":"2865548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"2288984 Ontario Inc.","date_received":"2018-04-05T14:54:20.000Z","state":"OH","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be <em>broken</em> into 2 payments.On XX/XX/<em>XXXX</em> I paid {$490.00} plus {$6.00} processing fee, the women emailed me an <em>receipt</em>. The next day XX/XX/<em>XXXX</em> the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a <em>receipt</em> or paid in full letter as the women said she would email to me."]},"sort":[13.115768,"2865548"]},{"_index":"complaint-public-v1","_id":"2416779","_score":12.9595375,"_source":{"product":"Debt collection","complaint_what_happened":"I noticed that the mentioned collection agency was on my credit report. according to the u.s code 1618 the agency must provide, 1 a verification of debt and 2 a right to dispute. the agency must also submit to me in writing a notice of intent to report 30 days prior to reporting my personal information to any of the consumer reporting agencies. I have had no contact from the collection agency to verify debt ot to dispute the account. I have not been informed of who they are reporting for and the accurate amounts charged fore services ( if any ). the following is the law that was broken in regard to my personal information .U.S XXXX Code Title 15 Chapter 41 Subchapter III 1681c 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.","date_sent_to_company":"2017-04-04T16:21:18.000Z","issue":"Disclosure verification of debt","sub_product":"Medical","zip_code":"75067","tags":null,"has_narrative":true,"complaint_id":"2416779","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Louisiana Recovery Services Inc.","date_received":"2017-04-04T01:54:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Not disclosed as an attempt to collect"},"highlight":{"complaint_what_happened":["I have not been informed of who they are reporting for and the accurate amounts charged fore services ( if any ). the following is the law that was <em>broken</em> in regard to my personal information .U.S <em>XXXX</em> Code Title 15 Chapter 41 Subchapter III 1681c 15 U.S."]},"sort":[12.9595375,"2416779"]},{"_index":"complaint-public-v1","_id":"2208098","_score":12.849677,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken XXXX federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.","date_sent_to_company":"2016-12-04T05:26:41.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"I do not know","zip_code":"36695","tags":null,"has_narrative":true,"complaint_id":"2208098","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Finance System of Richmond, Inc.","date_received":"2016-11-14T15:53:19.000Z","state":"AL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["No response, no validation, and they did n't mark my credit report DISPUTED, <em>which</em> violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have <em>broken</em> <em>XXXX</em> federal laws."]},"sort":[12.849677,"2208098"]},{"_index":"complaint-public-v1","_id":"2208069","_score":12.817094,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken two federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been XXXX response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.","date_sent_to_company":"2016-12-04T05:25:40.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"I do not know","zip_code":"36695","tags":null,"has_narrative":true,"complaint_id":"2208069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Finance System of Richmond, Inc.","date_received":"2016-11-14T15:37:49.000Z","state":"AL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["I sent a certified letter dated <em>XXXX</em>/<em>XXXX</em>/2016 to the address listed on my credit report ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> IN <em>XXXX</em> ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), <em>which</em> requires them to send me validation containing MY signature for the debt owed to them within 30 days of <em>receipt</em> of my letter. The letter was received on <em>XXXX</em>/<em>XXXX</em>/2016."]},"sort":[12.817094,"2208069"]},{"_index":"complaint-public-v1","_id":"2206499","_score":12.778892,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2016 I started the process to get a debt from Choice Recovery validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XX/XX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Ohio XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XX/XX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and their lack of response, they have already broken federal law. I sent a follow up letter dated XX/XX/2016, received and signed for on XX/XX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XX/XX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Choice Recovery and can provide them if need be.","date_sent_to_company":"2016-11-15T18:51:44.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"I do not know","zip_code":"36695","tags":null,"has_narrative":true,"complaint_id":"2206499","timely":"Yes","company_response":"Closed","submitted_via":"Web","company":"Choice Recovery, Inc.","date_received":"2016-11-14T16:25:25.000Z","state":"AL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["I sent a certified letter dated <em>XX/XX</em>/2016 to the address listed on my credit report ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> Ohio <em>XXXX</em> ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), <em>which</em> requires them to send me validation containing MY signature for the debt owed to them within 30 days of <em>receipt</em> of my letter. The letter was received on <em>XX/XX</em>/2016."]},"sort":[12.778892,"2206499"]},{"_index":"complaint-public-v1","_id":"2207003","_score":12.752341,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XX/XX/2016 to the address listed on my credit report ( XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XX/XX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken two federal laws. I sent a follow up letter dated XX/XX/2016, received and signed for on XX/XX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XX/XX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.","date_sent_to_company":"2016-12-04T05:28:13.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"I do not know","zip_code":"36695","tags":null,"has_narrative":true,"complaint_id":"2207003","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Finance System of Richmond, Inc.","date_received":"2016-11-14T15:58:20.000Z","state":"AL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["I sent a certified letter dated <em>XX/XX</em>/2016 to the address listed on my credit report ( <em>XXXX</em> IN <em>XXXX</em> ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), <em>which</em> requires them to send me validation containing MY signature for the debt owed to them within 30 days of <em>receipt</em> of my letter. The letter was received on <em>XX/XX</em>/2016."]},"sort":[12.752341,"2207003"]},{"_index":"complaint-public-v1","_id":"2174154","_score":12.553684,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX/XXXX/2016 I started the process to get a debt from AFNI , Inc validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX. XXXX XXXX XXXX, IL XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 { 15 USC 1962e ], which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. Within the 30 days as allocated by the aforementioned statute. they sent back copies of a phone bill totaling {$890.00}, and a letter stating ways to pay them. NO SIGNATURE ELECTRONIC OR OTHERWISE was contained in the response from AFNI , Inc . Anyone can make a phone bill with enough know how with Photoshop or many other free programs on the internet, I can take the same bill they mailed me and change it in about 5 min to make it look like THEY owe the bill. That to me is NOT validation of a debt, and none of the forms mailed to me contained any signatures of mine electronic or handwritten. They did mark their trade line on my report as \" Disputed ''. Already with no proof of MY signature validating the debt, they have already broken Federal law, by not supplying it within 30 days. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, that they have broken Federal law, as good will giving them one last chance to have them to validate the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been one response from this agency. My follow up letter has been ignored, I have all documentation of my attempts of correspondence with AFNI , Inc, and will also be attached with my complaint. This is LEGALLY unacceptable.","date_sent_to_company":"2016-10-23T19:39:28.000Z","issue":"Disclosure verification of debt","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"553XX","tags":null,"has_narrative":true,"complaint_id":"2174154","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AFNI INC.","date_received":"2016-10-23T19:39:27.000Z","state":"MN","company_public_response":null,"sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, IL <em>XXXX</em> ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 { 15 USC 1962e ], <em>which</em> requires them to send me validation containing MY signature for the debt owed to them within 30 days of <em>receipt</em> of my letter. The letter was received on <em>XXXX</em>/<em>XXXX</em>/2016."]},"sort":[12.553684,"2174154"]},{"_index":"complaint-public-v1","_id":"13751604","_score":12.321533,"_source":{"product":"Checking or savings account","complaint_what_happened":"I deposited a total of {$14000.00} in cash into a Bank of America ATM ( ATM XXXX XXXXXXXX ). The first bundle was {$6200.00}, which the machine counted correctly and displayed on the screen. \n\nI then inserted a second bundle of {$8000.00}. The machine grabbed the cash but never counted it. It made unusual mechanical noises for about 12 minutes, then displayed an error message stating that the machine encountered a problem. It did not return the {$8000.00}, and instead asked me to enter the amount manually which I did.\n\nAfter that, the ATM printed a receipt showing only {$6500.00} instead of the full {$14000.00}. It also provided a phone number to call, which I used immediately. The representative confirmed remotely that the machine had jammed. They opened a claim and told me the missing amount would be issued as a temporary deposit within 48 hours, and that the ATM would be checked physically in the following days to confirm the final amount.\n\nNow, it has been 5 days, and I have not received the temporary deposit or any resolution. I called Bank of America again today, and was told that the claim is still under investigation. I asked why the temporary deposit had not been issued, and was told that if the investigation is still incomplete by XX/XX/XXXX, only then would they consider issuing a temporary credit this contradicts what I was told earlier. \n\nIm extremely concerned that this {$8000.00} will be lost. The machine never counted the money, and I have no proof unless Bank of America reviews the video footage from the ATM. I am frustrated by their lack of transparency, the broken promises, and the continuous delays. I no longer feel confident that Bank of America is handling this fairly, and Im requesting that the CFPB help ensure this matter is resolved promptly and honestly.","date_sent_to_company":"2025-05-28T16:59:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"76034","tags":null,"has_narrative":true,"complaint_id":"13751604","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-05-28T16:20:20.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["It did not return the {$8000.00}, and instead asked me to enter the amount manually <em>which</em> I did.\n\nAfter that, the ATM printed a <em>receipt</em> showing only {$6500.00} instead of the full {$14000.00}. It also <em>provided</em> a phone number to call, <em>which</em> I used immediately. The representative confirmed remotely that the machine had jammed."]},"sort":[12.321533,"13751604"]},{"_index":"complaint-public-v1","_id":"8330895","_score":12.075122,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I HAVE PROVIDED THIS COMPANY WITH SEVERAL FTC REPORTS AND POLICE REPORTS SHOWING THAT I AM A VICTIM OF IDENTITY THEFT. \nI HAVE ALSO PROVIDED PROOF THAT I AM WHO I SAY I AM, BY WAY OF MY PASSPORT ID, ALONG WITH MY PROOF OF ADDRESS. THIS COMPANY HAS CONTINUED TO IGNORE MY CLAIMS RESULTING IN ME FILING FOR A LAWSUIT. THE FRAUD ACCOUNT IN QUESTION IS ( XXXX XXXX ) THEY HAVE VIOLATED MY CONSUMER RIGHTS FOR YEARS & HAVE NEGATIVELY IMPACTED MY LIFE. THIS COMPANY HAS IGNORED MY REQUESTS, ALTHOUGH I HAVE PROVIDED PROOF OF IDENTITY, A POLICE REPORT, FTC REPORTS, AND FILED A CFPB COMPLAINT PREVIOUSLY. I HAVE SINCE FILED AND WON A LITIGATION AGAINST XXXX FOR THEIR SIMILAR MALICIOUS TACTICS NEGATIVELY IMPACTING MY LIFE. I HAVE REACHED OUT TO EQUIFAX MULTIPLE TIMES AND EXPLAINED THAT THEY HAVE BROKEN THE LAW BY REPORTING THESE FRAUDULENT ACCOUNTS ; FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt. ON XX/XX/ I SPOKE TO A REP AND SHE TOLD ME THAT THEY HAVE PREVIOUSLY REACHED OUT TO THE COMPANIES IN QUESTION AND THAT EQUIFAX DOESN'T DELETE ACCOUNTS OVER THE PHONE WHICH IS A LIE BECAUSE THEY HAVE DONE SO IN THE PAST. THE FCRA STATES THAT NO ITEM CAN BE REPORTED ON MY CONSUMER REPORT WITHOUT VALIDATION AND/OR MY PERMISSION. SO THAT IS ALSO A VIOLATION OF MY RIGHT TO PRIVACY. I HAVE NO CONTRACTS WITH THE ACCOUNTS LISTED ON MY FTC ( XXXX XXXX ). I HAVE REACHED OUT TO XXXX XXXX AND REQUESTED A WET SIGNATURE OR ANY PROOF COLLECTED TO VERIFY IT WAS ME WHO REQUESTED TO OPEN AN ACCOUNT WITH THEM ; THEY HAVE NOT BEEN ABLE TO PROVIDE ANY EVIDENCE ; WITH THAT BEING SAID, WHAT INVESTIGATION IS BEING DONE BY EQUIFAX? IF THE COMPANIES THEMSELVES HAVE STATED THAT THEY DO NOT HAVE ANY PROOF? I SENT ANOTHER FTC REPORT, POLICE REPORT AND A LETTER TO EQUIFAX ON XX/XX/23. AND ON XX/XX/23 I RECEIVED A LETTER STATING THAT MY FTC REPORT WAS \" NOT VALID '' BECAUSE OF MISSING INFORMATION, WHICH IT WASN'T. HOW COULD IT BE \" MISSING INFORMATION '' IF I FILED IT ON FTC WEBSITE? THIS COMPANY IS COMMITTING BLATANT FRAUD. AND I AM SEEKING NON-MONETARY AND MONETARY COMPENSATION FOR MY DENIED CREDIT APPLICATIONS. I HAVE ALSO BEEN NOTIFIED BY EQUIFAX THAT MY INFORMATION WAS COMPROMISED FROM THEIR OWN DATA BREACH AND HAVE NOT RECEIVED COMPENSATION.","date_sent_to_company":"2024-02-12T20:03:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"8330895","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-12T19:48:00.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I HAVE REACHED OUT TO EQUIFAX MULTIPLE TIMES AND EXPLAINED THAT THEY HAVE <em>BROKEN</em> THE LAW BY REPORTING THESE FRAUDULENT ACCOUNTS ; FCRA 605B ( 15 U.S.C. & 1681 c-2 ) <em>which</em> states that these accounts must be removed within <em>XXXX</em> Business Days of <em>receipt</em>. ON <em>XX/XX</em>/ I SPOKE TO A REP AND SHE TOLD ME THAT THEY HAVE PREVIOUSLY REACHED OUT TO THE COMPANIES IN QUESTION AND THAT EQUIFAX DOESN'T DELETE ACCOUNTS OVER THE PHONE <em>WHICH</em> IS A LIE BECAUSE THEY HAVE DONE SO IN THE PAST."]},"sort":[12.075122,"8330895"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":275,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":275}]}},"product":{"doc_count":275,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":55,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":17},{"key":"Other debt","doc_count":10},{"key":"I do not know","doc_count":8},{"key":"Auto debt","doc_count":5},{"key":"Mortgage debt","doc_count":4},{"key":"Medical debt","doc_count":3},{"key":"Medical","doc_count":2},{"key":"Payday loan 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