{"took":1010,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":58,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2491349","_score":23.192116,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have a auto loan with Tidewater Motor Credit an d I wish I did online research PRIOR because every single complaint is the same or worse than mine and the Government has n't shut them down. Tidewater used a predatory loan and changed the terms on us after we signed paperwork, then their online and automated phone systems do not work on purpose to FORCE customers to call in so they can add on ridiculous fees to charge. When you call to make a payment the approximate hold time is in excess of more than TWO HOURS and when you finally do get through they either tell you that you MUST make 3 MONTHS worth of payments or they tell you to pay the vehicle IN FULL or they will not take your payments???!!!!! That will force customers to spend way more than they can afford, or into hiding. There are many lawsuits against them for the same issues. They called me at all hours of the day and night before XXXX and well after XXXX and they threatened to send someone to \" sit outside my home to wait for me ''. Their repo people have disclosed my debt account balance to my neighbors by literally walking door to door in my GATED COMMUNITY, THEY HAVE GONE INTO MY WORK giving my boss and co workers personal information and how much I owe and leaving their information and they have offered a monetary reward to every one of them for turning me in. I had a woman named XXXX call me on X/XX/17 and she told me that I should \" be embarrassed by not paying my bills and I did this to myself and then told me she was sending a tow truck with 2 men to sit outside my front door and follow me everywhere I go to retrieve the vehicle '' Today is the 11th time I have had to call the police because there is no peace when these men come, they BANG on windows, AND DOORS SCREAMING OBSCENITIES, try to break in the home, scare my children, neighbors, and myself. They have literally CHASED me in multiple vehicles trying to get the vehicle and it is all because they want to get paid. Tidewater gives their employees bonuses to collect extra fees and more payments and if you do not comply they say they do not want your business. How is this legal?? How can they force consumers to call in and charge them through the roof or take the car when I was trying to pay on time. On paper it looks like I was never on time bit the reality is they would never take a payment. And if I could get through, I could not afford 3 payments at a time???? Look online at their own employee reviews and you will see that it 's high stress to meet the incentive money goals and most feel the consumer is being taken advantage of. I have a log book with every date, every threat, every form of harassment from Tidewater and will be taking them to court if they do not fix this issue. I am not sure what Towing Company is involved but their harassment also violates Nevada laws as well a s Consumer Credit l aws. The police have been called here so many times and if you tell the company in writing to stop harassing they ignore it. Tidewater does not care aboit the consumer PERIOD.","date_sent_to_company":"2017-05-22T21:34:33.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"89166","tags":null,"has_narrative":true,"complaint_id":"2491349","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TIDEWATER FINANCE COMPANY, INC.","date_received":"2017-05-22T20:45:29.000Z","state":"NV","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["They called me at all hours of the day and night before XXXX and well after XXXX and they threatened to send someone to \" sit outside my home to wait for me ''."]},"sort":[23.192116,"2491349"]},{"_index":"complaint-public-v1","_id":"13412919","_score":23.087523,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX I contacted customer support to notify them of an unauthorized transaction this was via chat they automatically closed my claim and did not take action in protecting my account every day since then I have contacted customer support because there were more unauthorized transactions made on my account I notified them everytime I thought they have put in my dispute for these unauthorized transactions and I had to wait 45 days but during this time they allowed over XXXX XXXX dollars to be taken out of my account I have screen shots of all of my conversations through the chat that shows I am letting them know someone has access and I did not give it to them and my funds are being depleted. I finally get an email after asking whats going on they say they closed my case every time I reported to the better business bureau I asked them for a detailed detailed list of my transactions from XX/XX/XXXX to present day they onky sent me a detailed transaction statement from XXXX my funds were already taken by then .I finally got a hold of a live person on XX/XX/XXXX and I spent over 2 hours on the phone going over these 43 unauthorized transactions he did not let me finish going over everything transaction that I did not make he said he is not allowed to take calls longer than an hour .so I would have to call back. I asked and do what start from the regaining its going to take me the same amount of time .but I manged to get some turned into disputes and all were almost immediately denied so I called again and was on the phone for 2 hours 45mins going over one by one transactions I did not authorize and they again instantly denied my disputes threatened to close my account and when I called again they tokd me my account was verified and that my account is not in danger of getting closed but I would have to go on the app and one by one click on each transaction and dispute them one by one I told them the app is not letting me have that option for all of the transactions what do I do he said thats how I do it .I tried was onky able to do a few and they still are denying my disputes they could have prevented this from happening I literally every single day told them money was being taken out of my account no one has my information but me and cash app and I did not authorize these and I want them to put in a dispute or escalate to whatever is higher bc I have over XXXX dollars missing .I am waiting to here back from the better business bureau and cash app is not coming uo with any solution I already received 2 new cards since then and this XXXX time I had to start the disputes over again canceled my newest card and wants me to order another one again its now may I have contacted them with this situation as every single transaction they allowed to go through that was not me and they are doing nothing t I help me there just instantly denieing my disputes","date_sent_to_company":"2025-05-08T18:18:03.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"933XX","tags":null,"has_narrative":true,"complaint_id":"13412919","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-05-08T17:19:03.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I finally get an email after asking whats going on they say they closed my case every time I reported to the better business bureau I asked them for a detailed detailed list of my transactions from XX/XX/XXXX to present day they onky sent me a detailed transaction statement from XXXX my funds were already taken by then .I finally got a hold of a live person on XX/XX/XXXX and I spent over 2 hours on the phone going over these 43 unauthorized transactions he did not let me finish going over everything"]},"sort":[23.087523,"13412919"]},{"_index":"complaint-public-v1","_id":"3056945","_score":22.973644,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX my I reported 8 fraudulent transactions on my card to a manager in the customer service department. \nOn XX/XX/XXXX transactions went through from someone named \" XXXX XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XXXX XXXX ( XXXX XXXX ). At XXXX I received text notifications for 5 transactions in the amount of {$26.00}, 1 for {$5.00}, 2 for {$0.00} and 2 for {$0.00} then there was a foreign transaction fee for {$5.00}. We went to the XXXX/Texas game that weekend and I believe someone scanned my card that was in my wife 's purse. I immediately called customer service to report the charges as fraud. They supposedly started an investigation, mailed out another card. After reading about other complaints, I found out about the \" provisional credit '', which you're supposed to get while they're taking 90 days to investigate your account, so I asked about it. They emailed me a form for MORE details in which I had already provided during the 45 minute phone call. As soon as I hung up, I printed out the form, completed it and faxed it back. I waited 24 hours and called back. I asked if the form was received and was told that I actually didn't need the form in order to get the credit but it can take up to 10 days for the money to post to the account. I literally called the next day and each day thereafter, just to check the status of my account. I specifically asked if there was anything else needed and over and over and over again, was told no. On XX/XX/XXXX, I was finally told that the funds would be on my account on the XX/XX/XXXX. I called on the XX/XX/XXXX and was then told to give it until the XX/XX/XXXX. At that time, out of frustration, I requested to speak to a manager. I was placed on hold for 20 minutes and when the manager finally came on, she repeated what the rep had just told me and confirmed that the funds would be on my card on the XX/XX/XXXX. Of course the XX/XX/XXXX came and no funds so we called AGAIN. By this time, I've called 12 times since my card was fraudulently used. The date then changed to the XX/XX/XXXX, which was my wife 's birthday and the only day that I haven't called. On the XX/XX/XXXX, I called on my lunch around XXXX and immediately requested a manager. The manager got on the phone, mind you I had to wait again for 15 minutes. She apologized for the inconvenience and told me to give it until the end of the day. Still no funds. So today, I called and after 2 weeks, I'm told that I won't be getting a credit because I never turned in my form and it's over the 10 days you're given to turn the form in. By now I'm livid and requested a manager. I explained to them to look back on our account and see how many times we've called. I even begged them to pull every call since XX/XX/XXXX. I had 2 different reps tell me that I didn't need a form for the \" provisional credit '' and every other time I was that the funds would be posted. Not 1 single rep once stated that the form wasn't received after \" looking over my account and through the notes '' As I stated to the manager today, I'm being punished because her employees provided incorrect info. They literally waited 3 days after the deadline to tell me they didn't get the form when I've done everything they requested I do. They continued to give me dates and tell me that the funds would be posted when they knew all along they had no intentions on giving me that credit. I requested that they pull all of my calls and was told that can take up to 90 days too just like the investigation. What I don't understand is, when I initially called about the fraud, the charges were pending, why didn't they stop them then and start investigating? No! They let every charge go through, gave those people my money and now are giving me the runarounds on getting my funds back. I literally feel like I'm being scammed TWICE. Not 1 person tries to really resolve the issue. They're all for themselves and not their customers. I asked to speak to the managers manager and of course, no one is available and I will receive a callback with 24 hours. I just want my money. {$140.00} may not seem like a lot of money but it is to someone on XXXX","date_sent_to_company":"2018-10-25T19:30:27.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"731XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3056945","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARD Corporation","date_received":"2018-10-25T19:19:48.000Z","state":"OK","company_public_response":null,"sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["I had 2 different reps tell me that I didn't need a form for the \" provisional credit '' and every other time I was that the funds would be posted. Not 1 single rep once stated that the form wasn't received after \" looking over my account and through the notes '' As I stated to the manager today, I'm being punished because her employees provided incorrect info. They literally waited 3 days after the deadline to tell me they didn't get the form when I've done everything they requested I do."]},"sort":[22.973644,"3056945"]},{"_index":"complaint-public-v1","_id":"6179587","_score":22.642143,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I tried to use my Chase Business Ink credit card on XX/XX/2022 at XXXX XXXX and the card was declined. There is nothing due on my account & the balance is {$1500.00} with total credit line {$10000.00}. I did not receive a text, email, or account alert about why my card was declined. I tried to use the card again on XX/XX/2022 at XXXX XXXX and it was declined again, same thing no alerts sent to me as to why my card was declined. \n\nI called Chase Business today XX/XX/2022 was told by the fraud department the purchase was thought to be fraudulent on the XXXX and so they froze my account after the XXXX XXXX attempt to purchase. They told me they do not handle notifications & transferred me to Customer Service department because they thought it was my alerts that were not set up. My email & phone number were already added to the account so no one could figure out what was wrong & why I didn't receive an alert. Customer Service tells me it's the Fraud Department. I get transferred 7 different times between the 2 departments/supervisors. I finally get someone from both sides on the line at the same time and they finally admit they DO NOT have an alert for fraudulent activity. \n\nI would have NEVER chosen a credit card & opened up an inquiry on my credit report as a new business for a company that does not have fraudulent alerts sent out!! This is literally INSANE that in 2022, one of the most important notification alerts about potential fraudulent activities are not available from Chase to their customers. The rep from the fraud department said that each time it gets declined, I will need to call Chase.. so as a business owner, they want them to roll the dice and see if a charge will go through based on Chase every single time??? Having nothing to do with the actual account credit limit or past due payments? \n\nI need to know what can be done about this as now I have an open account with a company who fails to notify their customers about fraudulent activity.","date_sent_to_company":"2022-11-09T00:55:16.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"08016","tags":null,"has_narrative":true,"complaint_id":"6179587","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-11-09T00:15:32.000Z","state":"NJ","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["The rep from the fraud department said that each time it gets declined, I will need to call Chase.. so as a business owner, they want them to roll the dice and see if a charge will go through based on Chase every single time??? Having nothing to do with the actual account credit limit or past due payments? \n\nI need to know what can be done about this as now I have an open account with a company who fails to notify their customers about fraudulent activity."]},"sort":[22.642143,"6179587"]},{"_index":"complaint-public-v1","_id":"4685238","_score":21.780266,"_source":{"product":"Checking or savings account","complaint_what_happened":"Every single time I call this institution I get a different answer from somebody it is the most unbelievable thing I have ever seen in my life how they are in business I have no idea. I sent correspondence to the CFO and have yet to receive a response. On top of that during Covid we had numerous transactions that were overseas I called almost daily to check in on the status because they still owe me money to date they told me that everything was in to be reviewed by the disputes team. But we ended up finding out after trying to figure out why this continuously kept happening over and over again was we had a keylogger on one of our computers that was picking up the account information every single time We had a few other situations where we had attempted to try out a software that had a 30 day moneyback guarantee for our business and we either never got the login and the password or the software did not work as we were promised we emailed the company over and over again for a refund and they failed to respond every single time so we disputed the transaction! Not only did they put certain disputes in incorrectly but they either a failed to provide provisional credit or the worst situation that happened I had to call back five different times to go over every single transaction I called in in XXXX they finally re-filed everything for me come XXXX I still have not heard anything whatsoever mind you this is literally the 30th time I had called in to find out what the status of my disputes and fraud claims were because We are still missing thousands of dollars from navy federal not to mention we were told by a supervisor that because we had to overdraft our account just to be able to survive because we were missing XXXX of dollars they would refund The fees on the account due to us having to overdraft out of nowhere all of a sudden this woman decides that shes going to play XXXX with my money and said nope were not refunding anything anymore and we will not be working on this account anymore every single one of my disputes and fraud claims were still sitting in a queue that nobody worked during Covid! On top of that because they sat on it for so long every single one of my claims were denied when I had submitted them six or more months previous to the time they actually ended up working the claims which was beginning of XXXX. The claims were all the way back to XXXX and they sat on them and did nothing with them and still have yet to refund me my money nobody there knows what theyre talking about they took our debit cards away because of that Ive gone three weeks without electricity because I had no way to pay two weeks without water and we were and are on the verge of losing our home because every time I call the bank they tell me something different and I look like a XXXX liar now I am over it Im done I am sick and tired of having to live on a credit card that they dont even know how to calculate correctly by the way, Ive submitted all the evidence for a dispute that I had on my credit card from a company that so that they would refund me {$290.00} and another {$50.00} charge and sure enough I had an email and everything proving this and they still have yet to work my claim I submitted this over three weeks ago now. With the proof is in the email I dont even get a provisional credit and they are still probably sitting on that one too. They took away my debit card for an entire year because of unauthorized charges that I did not make they play God with peoples money and decide to do whatever they want to do with it. Most recently a payment was made for {$24000.00} with one of their agents through speed pay they put a eight day hold on the payment so I was without funds even though I was told that it would clear through the following day within 24 hours that didnt happen and then they stated and that it would clear through On Monday that didnt happen I was then told by another agent it would for sure clear through by Tuesday that also didnt happen it wasnt until the 30th that it was supposed to actually clear through I ended up finding out seven people later. on top of that they advise me my debit card would be Able to be re-issued on multiple different dates it ended up being the XXXX finally 5 to 7 people later That I talk to that I talk to a manager XXXX who advised me that Mine and my husbands card would be available on the XXXX I call on the XXXX finally later on in the afternoon like way later in the afternoon and they said no actually its overnight tonight well then thats not on the XXXX now is it? That would be XXXX XXXX so once again lied to again so I gave them a couple days cause I dont even know what to believe anymore I called overnight today to get my debit card re-issued and find out where my husband was and they said oh youre Husband cant have a debit card for a year Im sorry no thats not true because I was told by a manager on the XXXX and theres no reason why they should ever have been taken away from us considering The fact that You dont punish consumers because of unauthorized transactions that doesnt even make any sense especially when its once again my money I hired the bank for a job their only job was to do one thing and one thing only and that is to manage my money nothing else just manage my money Indu so according to federal guidelines its not hard! They activated the card that is still in the mail So I went to try and use my new card That I just got in the mail yesterday and it wasnt even active So I had to call back and once again try and activate it wouldnt let me do it through the automated system so someone had to manually do that for me again.","date_sent_to_company":"2021-09-02T10:48:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"63368","tags":null,"has_narrative":true,"complaint_id":"4685238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2021-09-02T10:15:43.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["and they failed to respond every single time so we disputed the transaction!"]},"sort":[21.780266,"4685238"]},{"_index":"complaint-public-v1","_id":"7808730","_score":21.72121,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX through XX/XX/XXXX I had XXXX unauthorized charges separate charges to my XXXXirect express Comerica debit card for numerous amounts. I had tried my hardest to get a hold of XXXX because all of it went to XXXX play someone from XXXX play it was all on my bank statement their address they format their name XXXX play and they would not. Theres no place to get a hold of them and I tried everything. I emailed every email they had. I sent them pictures of my bank statement with their name and everything on it with the charges no one lives here with me. I am alone XXXX hours a day. Ive never once in my life had XXXX single XXXX play charge on my bank statement ever in my lifetime never have. I once played a video game game or whatever they sell on that site they know that the history knows that and then when I did get a hold of someone because it was a callback number they leave them information they call back they called me back and I said that to them which there were people that couldnt really do anything about it they could take your money but they couldnt do anything about the fraud, they continuously let them take money after money out of me until I had {$.00} left in that bank account. I had no money for food that month. I was so upset I literally was having XXXX XXXX after XXXX XXXX. I put a freeze on my account in a lock the credit card account because I couldnt get a hold of the bank for XXXX days I tried the robot told me you have reached a high velocity of calls call back at another time, and that was at all hours of the night and day this is at Comerica direct express Social Security my bank account whatever debit card and finally the fourth day when I get to get a hold of them I was put on hold for two hours and 40 something minutes I videotaped it on my other phone I have proof no one ever came. I hung up after stressing out for almost 3 hours waiting for someone to come on the phone. They put me on hold for the dispute department and no one ever came to the phone, so I switched banks now I finally got out of that Comerica bank and I went to a credit union that was more legit than these people were insane. You could not get a hold of them no matter why it caused me so much stress and anxiety. I I have an anxiety disorder, and I almost put me in the hospital. I cried the whole month I couldnt get them to stop. I emailed XXXX I disputed every single charge they made me fill out a form for each and every separate charge that was on there, and then nothing happened so I did it again and nothing happened. I did it again nothing but I spent so much time and energy trying to fix this because they knew it was not mine. They knew they could look through my records and see that Ive never once in my life my whole entire bank statement was all XXXX XXXX, XXXX, XXXX XXXX. Ive never in my life and they knew that and they did not they didnt stop them from taking the money after I said it was not me stop stop stop they did not care they just kept letting it go for the whole month like {$.00} left in the bank thats the only reason why they stopped, and I switched banks close that bank account. I never got one cent returned to me. I was disgusted. I just want all off my phone completely I was so disgusted so I begged every email every phone number. Every I even went on the person who made XXXX who created XXXX and I found his XXXX and I left messages on that and then in the CEO of XXXX. I left messages on theirs and sent them the pictures of my statement being its the whole thing is all XXXX play why would I spend my whole check on XXXX play bills to pay in food to buy I starve that month no one cared to bother even emailing me a personalized anything all I got is plain old simple thing that they give out to everybody email that that was just generic and I didnt get a sent back. I was disgusted so upset spent all that time filling out each and every form for each and every amount and nothing insane. This had to be a scam, because every single XXXX of it went to an actual play, XXXX in their XXXX XXXX or whatever XXXX where their actual building is, thats where all the money went. Why wouldnt they person who got my debit card number by anything other than XXXX play come on they wouldve bought a TV or Something phone no they bought all XXXX play stuff and I have proof I have the snapshots of all my bank statement online so I can send them to you any day anytime","date_sent_to_company":"2023-11-06T14:09:01.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"128XX","tags":null,"has_narrative":true,"complaint_id":"7808730","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Comerica","date_received":"2023-11-06T06:57:13.000Z","state":"NY","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I was disgusted so upset spent all that time filling out each and every form for each and every amount and nothing insane. This had to be a scam, because every single XXXX of it went to an actual play, XXXX in their XXXX XXXX or whatever XXXX where their actual building is, thats where all the money went."]},"sort":[21.72121,"7808730"]},{"_index":"complaint-public-v1","_id":"2415990","_score":21.40936,"_source":{"product":"Prepaid card","complaint_what_happened":"Hello, I recently set up my first online business called XXXX XXXX. This whole process has been a complete learning process for me. After getting off to a slow start, business finally started to pick up for the month of XXXX. I made sure that every single order was processed and shipped out. Now, due to technical issues with my email support server at XXXX, customers were receiving there order confirmation, but were not receiving their shipping confirmation ( tracking numbers ). Being that customers were not receiving there shipping confirmation emails, they began to get worried and as a result, some customers opened disputes on PayPal as there only way of communication. Once I realized the trend with customers saying they are n't receiving tracking and that emails to XXXXXXXXXXXX were not able to be sent, I quickly called XXXX and worked with them to resolve the issue ( support email is working fine now ). As a result of all the disputes filed, PayPal placed an account limitation on my account which prevented me from accessing my money and demanded I provide extra documents and resolve all of the open disputes. ( Fair enough for the commotion ) During this whole process I was working hand in hand with paypal, sent all the required documents, updated every single customer tracking number, and called every single day to resolve all of the open disputes. I 've dealt with very helpful agents, as well as agents who really did not want to help me at all. At one point they even permanently banned me and realized they did not have any reason to, being that I was working with them diligently, and all the information was presented, ( i.e : confirmed proof of deliver to numerous disputes that were opened ), that they appealed there decision and brought my account back to temporary limited access. I had since been working tirelessly to close out all of the disputes, even taking it as far as allowing PayPal to issue full refunds to certain customers for the inconvenience of the whole situation and still allowing them to keep the product they paid for. On XXXX/XXXX/2017 after working with paypal for over an hour, I was finally able to close out all of the disputes. The representative I worked with was amazing and really helped me out. She then transferred me to the limitation department for review and I was greeted by an underwhelming agent who sounded like she hated her job and was n't so motivated to help. She did not allow me any opportunity to explain my situation at hand prior to her decision. After she had already made the decision to permanently ban my account I literally had to beg her to allow me to speak to someone else. She finally got her supervisor to review the account for me, after he reviewed my account, he said there is nothing they can do because I had already had been granted an appeal before, which was absolutely ludicrous. The only reason I had to even get an appeal done was because I had to deal with an agent who messed up and sent my account to review even though I was not even close to closing off the disputes. Of course they would ban my account, and of course I would have to call them and have them check there records and realize there was no reason for all that to have been done, no reason for my account to have been sent for review so early in the first place, being that everything was being worked on faithfully and with honest intentions. I tried to explain this whole situation to them but they were unwilling to even consider my reasoning and just continued to reiterate there is nothing they can do. This whole situation started from a third party issue with my email server hosted by XXXX and it has since been resolved, so to be banned after spending so much time and effort working with PayPal to prove I am a legitimate business is completely unfair and I really feel like I have been XXXX over big time.","date_sent_to_company":"2017-04-03T22:27:48.000Z","issue":"Managing, opening, or closing account","sub_product":"Mobile wallet","zip_code":"08857","tags":null,"has_narrative":true,"complaint_id":"2415990","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2017-04-03T21:55:32.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["As a result of all the disputes filed, PayPal placed an account limitation on my account which prevented me from accessing my money and demanded I provide extra documents and resolve all of the open disputes. ( Fair enough for the commotion ) During this whole process I was working hand in hand with paypal, sent all the required documents, updated every single customer tracking number, and called every single day to resolve all of the open disputes."]},"sort":[21.40936,"2415990"]},{"_index":"complaint-public-v1","_id":"9569823","_score":21.242828,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have been begging robinhood to release whatever security lock they randomly placed on my account. They have ALL my money, including XXXX funds, savings, and my emergency funds. I have had nothing left for almost XXXX weeks. I have tried calling all the phone numbers imaginable, but they all lead to an automated voice that says to request a callback from the app and hangs up immediately with no way of reaching an agent. On the app, there has been no button anywhere to request a callback. Ok desktop, I saw a prompt to call in at the top of my screen, but upon inspecting it, it did absolutely nothing. When talking to the chat bot, I could sometimes force it to show a request callback prompt, but it was *ALWAYS* grayed out. When I finally got a person in the chat, or at least what I think is a person, they would always paste back the same give me a moment to review your account. Followed by a the only way we can resolve this issue is over the phone please request a callback by following these instructions that led me to the same instructions that clearly showed no way of requesting any call. Eventually, I saw another pop-up saying take action on your account. I assumed that clicking it would take me to a form I could submit to verify my identity with documentation or something, but it just glitched out and said request sent. \n\n\nThis allowed me to receive an email from another agent, who just gave me the same darn instructions over and over again. I did this about XXXX times until I got someone to reply to my emails. He said, I understand the app isnt working, use this link to upload your ID. I uploaded my ID and selfie, and then heard nothing for about a week. I spammed the emails again, and the agents said request a call back to unlock your account. After begging them over email many times, one of them finally replied saying, oh, you can just call this specific number, and give them our case ID to the computer. I thought I was saved! But no, sadly Robinhood had other plans. I tried calling that number on different days of the week and hours of the day, for an entire week. I received multiple different case IDs to try and call with but EVERY SINGLE TIME : That case number could not be verified Please request a callback on the app And then it immediately hangs up! \n\nThis can not be real, there is literally no way for a customer to reach someone about a security lock. I feel really cared about not being able to pay my bills.","date_sent_to_company":"2024-07-20T18:55:47.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"30152","tags":null,"has_narrative":true,"complaint_id":"9569823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2024-07-20T18:31:52.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["I received multiple different case IDs to try and call with but EVERY SINGLE TIME : That case number could not be verified Please request a callback on the app And then it immediately hangs up! \n\nThis can not be real, there is literally no way for a customer to reach someone about a security lock. I feel really cared about not being able to pay my bills."]},"sort":[21.242828,"9569823"]},{"_index":"complaint-public-v1","_id":"6908910","_score":21.102009,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"So, this began in XXXX. I got an Apple Card as a back up. I maybe had XXXX dollars total charges on it the year and a half I had it before I stopped making payments from the ridiculous lack of any fraud protection and continuous fraudulent charges. For two years, I tried to get this resolved. I would always have to start over at stage one as Goldman Sachs would either not keep records, or when the person who could finally help me was to call me, they literally would not every single time, and Id finally get a call from someone who had apparently no idea of the 11-12 previous times at the end I had proven these charges fraudulent and awaited resolution. ONE TIME, they finally reversed all those charges. I happily paid. BUT THEN, despite these fraudulent charges coming from websites or states I had never visited, for example Goldman Sachs claimed my physical card was used in Texas while I was in Florida, and I would give them all the evidence, and eventually after the two hour grueling irritating runaround that they had set up as on the internet you can see this was clearly a business practice of theirs, theyd tell me theyd be able to help, and then either never return a call, have someone call without any idea of the past discussion and start over, or try to claim the charges were valid. As a soon to be lawyer at the time, in XXXX, I finally sent them the federal statute saying no one can be liable for more than {$50.00} in fraudulent charges. Told them I would report them. Then sue. Then I passed the bar and life got crazy. However, it just turned up again, as they know I dont owe the money hence why no collection is present, as when they tried to I put my foot down and explained how many fines and damages theyd be looking at if the forced me to sue, and that the tens of thousands of dollars theyd have to pay to defend compared to the hours of my life and court filing fees as they clearly were engaging in unlawful and deceptive business practices to avoid taking accountability that DESPITE REQUESTING THEY CHANGE MY CARD # THREE TIMES, THE REASON THE FRAUD PERSISTED WAS THEYD ONLY CHANGE THE PHYSICAL CARD #, AND I TOLD THEM EACH TIME CHANGE BOTH BUT THE DIGITAL NUMBER WAS COMPROMISED AND THEY EVEN PERMITTED FRAUDULENT CHARGES FROM VENDORS I HAD ALREADY SOMETIMES THREE TIMES PRIOR ALERTED THEM TO. Now, they have a status on my card as revoked. It doesnt look good to the bar, worst of all, it was not revoked. I paid as long as I could but finally when two years went by and I was paying off fraudulent charges and interest, I just couldnt and shouldnt and legally am not obligated to. They breached the contract, failed to provide fraud protection, failed to make proper good faith investigation into such, failed to provide any proof to their findings for either claiming the charges were valid, or when one time I finally thought I had at long last gotten justice, all charges were reversed, until two weeks later, somehow they magically became valid and were put back on. I am having my financial reputation, and my financial and credit score-based interests harmed by this practice that a simple XXXX search will show they have been deliberately doing and already sued over many times since before I even got my card. I kept telling them I want to pay what I owe but why would I pay statements that were, at the end 95-100 % principle and interest of fraud. I frankly wish to have an Apple Card again so I dont mind compromising but a compromise after all they put me through is paying the I believe {$500.00} left that are valid charges. Telling and demonstrative of their blatantly illegal and unlawful business practices is that magically a year ago they claimed I owed {$5700.00}, yet rather than increase it as would a legit debt, right now they say I owe {$3000.00} roughly, because just like the collection, they seem to be quite aware that they cant get away with everything but clearly are trying to manipulate and frustrate attempts to gain proper resolution in order to save a few dollars themselves despite contractually being obligated to have protected my information and indemnified or covered me for fraud charges, especially when three times I ask them to change the number and the say yes but dont change the compromised digital number. Anyway, the collection being dropped, the balance dropping, THE FACT THAT EVERY TIME I AM SUPPOSED TO FINALLY GET A CALL FROM SOMEONE WHO EVEN HAS THE AUTHORITY TO REMOVE THE CHARGES, as it takes three phone calls and the runaround to get even an appointment with them in disputing which is absurd, they NEVER CALL. And whenever I get a call, despite all calls being recorded and documented they claim, for some reason its another basic level customer representative without any idea of my situation that there must be 50-100 hours of recorded phone calls on and more notes. Eventually I had to give up trying it was wasting too much time, and am just reporting it now as frankly Ive been so busy it didnt come up till I was asked about a revoked credit card. That also is a violation of the Fair credit reporting act and fair financial reporting statutes. They are doing this to so many people I can not believe how many have had my experience, reading articles and peoples posts about it and XXXX complaints, being successfully sued as I am about to possibly engage in again so many times and not even trying to defend it but settling for everything plaintiffs are asking for yet somehow someway the CFPB to my knowledge has not done anything. They need to be reminded of all the federal statutory considerations mentioned above and theyre need to adhere to their contractual obligations. It simply violates numerous consumer protection and fair credit reporting laws every day they continue to claim my card is revoked and I owe any more than {$500.00}, which frankly is more than I owe, but I simply want to get this nonsense over with and calling them is literally futile theyve designed their corporate runaround to ensure that. Please help me finally get this resolved because XXXX cant believe how many times I was supposed to get a call back from them to finalize it and did not. It is disgusting.","date_sent_to_company":"2023-04-30T14:30:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"040XX","tags":null,"has_narrative":true,"complaint_id":"6908910","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2023-04-30T14:03:33.000Z","state":"ME","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 would always have to start over at stage one as Goldman Sachs would either not keep records, or when the person who could finally help me was to call me, they literally would not every single time, and Id finally get a call from someone who had apparently no idea of the 11-12 previous times at the end I had proven these charges fraudulent and awaited resolution. ONE TIME, they finally reversed all those charges. I happily paid."]},"sort":[21.102009,"6908910"]},{"_index":"complaint-public-v1","_id":"3533404","_score":20.111855,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Capital One Platinum Card XXXX - False 30 day late reported ( *They have both my cards with them in my statements listed as platinum cards when one is a quicksilver- please make sure you are looking at the right cards history when reviewing ) Capital one has REFUSED to remove a 30-day late payment that they added to my report in XX/XX/2019 that was sent to the credit bureaus in the month of XX/XX/2019. Capital One knows as well as I, that the reporting the bureaus should have never even occurred ( as I have several of their managers on recorded phone calls stating so ) because this account was in the middle of a fraud dispute when my credit card was run up thousands of dollars due to identity theft.\n\nIt literally took them 4 months to resolve the issue and they most definitely would not have if I didn't call them every single agonizing day spending upwards of 5 hours on the line each time. day after day I had to re-explain the entire chain of events to someone new, get put on hold for 30 minutes at a time and then hung up on ... My hair has turned gray from their repeated incidents of indecency. \n\nI also have every single call recorded from that incident as well as And in calling every day you really get to see what Capital One 's employees think of their customers.. in my recordings is some of the most apathetic, inhuman and cold conversations I have ever had, all because I had the soul-crushing misfortune of having my Identity stolen- I somehow now have been branded guilty until proven innocent by their employees before I even come on the line. \n\nSo four months go by of them playing games.. I have over 70 pieces of paper they sent me for just this card alone that shows the timeline plain as day. They finally decide the case in my favor and put back some of the money. Turns out, they forgot to reverse and recalculate interest fees that still had me owning a near {$800.00} payment before they would release my credit back to me- when I had ever only used a tenth of my credit line myself. \n\nThis practice I am told, of withholding credit following a fraud case until payment is made is also against the law. But low and behold they did it. I knew something was wrong and quickly noticed the fees and unreturned late payment charges that they had tacked on towards the end of the dispute. After another 3 weeks of calling every day- the hang-ups- the lies- the random transfers to voicemail machines that no one owes.. they finally correct the mistake- it was still off but it was close enough I guess and I was facing a lot of other ID theft at the time and tired of arguing with them. Throughout the months- and this has been confirmed on recording by managers as well, I continued to make the cards minimum payment as necessary under FCRA XXXX Even so- Capital One still refused, after all of that, to release the credit until a made a {$150.00} payment of which they stated IF my credit was release to me following the payment, it would set my monthly payment back to what I really owed- {$54.00}. IF they allowed me my credit back that got stolen from me. \n\nThis all took place between the months of late XXXX to late XXXX. The only thing that should have been reported was that the card was under investigation per the FCRA, but at some point a month or two after they had reported a late 30 day late. I immediately called in and spoke to a manager who stated that she understood and clearly saw there was a dispute going on and that I had made all of my minimum payments in spite of the dispute. The dispute was closed out in my favor and I did not have any late payments on in my file from that time period. She told me it was easy-peasy and she would have it removed. \n\nWell that was the last of the kindness I had received from Capital One. Ever since then they have outright refused EVEN THOUGH they all state they can see there was a fraud investigation going on there, that it was decided in my favor and that I made timely minimum payments.. yet they still cant, wont or dont care to do the right thing and have them removed.\n\nOn two occasion they made me scan in all pertinent paperwork THEY sent me and ALREADY HAVE to prove to THEM that THEY messed up.. even though they would acknowledge what I was saying to be true. Now when I bring it up their employees get downright hostile and it is clear that something is written in my file that causes them to treat me like I am less than human.\n\nI have submitted the paperwork they have requested twice in three different mediums each time, by snail mail, fax and email and each time someone in some small office somewhere has denied my it knowing nothing about what I went through with their fraud team and how it truly is a mistake on their part even though its all on the file in black and white. \n\nThis is not right- the FCRA has clear reporting rules set for periods of investigation and they are openly and knowingly violating it and the CRA 's are letting them as I have disputed it four times now. This single late payment is stopping my family- my kid, from being able to have her own room and us the ability to purchase our first home. I am sorry you guys had to \" deal '' with another identity theft victim and think I should be somehow punished for that every time I call in but not only is it completely inaccurate reporting and against the rules of the FCRA, its just downright dirty and wrong.","date_sent_to_company":"2020-02-15T08:48:38.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3533404","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-02-15T07:16:25.000Z","state":"CO","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["It literally took them 4 months to resolve the issue and they most definitely would not have if I didn't call them every single agonizing day spending upwards of 5 hours on the line each time. day after day I had to re-explain the entire chain of events to someone new, get put on hold for 30 minutes at a time and then hung up on ... My hair has turned gray from their repeated incidents of indecency."]},"sort":[20.111855,"3533404"]},{"_index":"complaint-public-v1","_id":"4130875","_score":19.943544,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I purchased a XXXX XXXX XXXX XXXX ) and financed it through American Credit Acceptance in XXXX of XXXX. I made my first payment on this vehicle in XXXX of XXXX, and have made payments every month since then until now on the XXXX of each month ( including XX/XX/XXXX ). All payments have been on time. \n\nLast XXXX I noticed that the loan was not showing on ANY of my credit reports ( my wife and I pay to monitor all 3 monthly through XXXX and XXXX ). Upon further investigation, it was showing on my wife 's at the time ( she is the co buyer on the car ) but not mine, so we reached out to American Credit Acceptance and began this process by notifying them of the issue in XXXX ( Yes it's been over 120 days ACTIVELY attempting to fix this ). I was originally told that a ticket was created and I would expect to see it reflected on my credit report next time they updated the account with the bureaus. This never happened. Having to call back, explain, be transfered etc was frustrating but finally it was escalated to their credit dispute department back in XXXX and I was promised the issue would be resolved in 2 weeks. I never received ANY UPDATE OR ANY RESOLUTION. Every single time we have to call it is such an ordeal and there have been times where it has been mentioned how often we are calling in a such condescending way .... I am trying to buy a house and am fast approaching a year of on time payments on a vehicle the loan company hasnt reported to a single bureau as OPEN OR CURRENT OR ANYTHING! Now we have been dealing the EXECUTIVE RESOLUTION TEAM since late XXXX. I have dealt with 3 separate mangers in that department that have literally stone walled me or promised a follow up and every single time they have failed tremendously to follow through. No one ever follows up as promised. Not knowing what else to do, I attempted to contact the credit resolution department beginning around XXXX. Everytime I have to fight to get transfered and explain EVERYTHING OVER AGAIN and now they are telling me there is no way for them to even call their credit dispute department, they have no wy to transfer me and that EVEN they can only contact them via email so the responses regarding my account are very delayed, yet ironically this is irrelevent because they have never given me a single reliable update. It ought to be illegal that they will not provide a number to the department nor have anyone contact me from this team. It is the same story each time. \n\nNow they are telling me after XXXX XXXX, they have to hire a THIRD PARTY COMPANY TO ATTEMPT ( YES THEY SAID ATTEMPT!!! ) TO CREATE THE TRADELINE AND HISTORY!!! THAT WAS OVER 5 WEEKS AGO! NO FOLLOW UP!!! Here is an example of the latest conversation with their support team via their web based chat.. \n\nXXXX How can we help you today? \n\nXXXX I need to probably speak to the executive response team in regards to where you guys are at in getting this tradeline created with the three credit bureaus - You XXXX XXXX You are now connected to XXXX XXXX XXXX \n\nXXXX XXXX i have made all these payments and you guys have not reported this account to any of the three bureaus yet - You - XXXX XXXX Good Afternoon, My name is XXXX XXXX I speaking with XXXX XXXX? XXXX XXXX - XXXX XXXX so i havent heard from anyone on the XXXX in over 2 weeks. yes. i have no other recourse but to seek legal representation in this matter if we cant make any real headway soon. ive been at this for well over three months this is ridiculous You - XXXX XXXX Can you verify the last 4 of your SS, please. XXXX XXXX - XXXX XXXX XXXX You - XXXX XXXX I understand your concern. Allow me to review your account. XXXX XXXX - XXXX XXXX ok. You - XXXX XXXX I do see there was manual request submitted however there is not current update at this time. XXXX XXXX - XXXX XXXX yeah this problem happens everytime since XXXX of last year. do you understand how ridiculous this is? can you get me a better answer than that? I am going to forward this conversation to the consumer protection bureau this is ridiculous. have someone from your XXXX contact me or my wife. thanks. You They have never followed up as promised and getting tossed around and having to fight tooth and nail WEEKLY to get to someone who can only give false hope and empty promises ought to be fined. This company is engaging in unbecoming practices with their accounts and I am almost to the point of turning this over COMPLETELY to a legal representative. \n\nWE ARE TRYING TO PURCHASE A HOUSE AND THIS HAD OUGHT TO BE ILLEGAL THE WAY THEY CONDUCT BUSINESS. WE HAVE BEEN AT THIS WEEKLY SOMETIMES DAILY SINCE XXXX OF LAST YEAR WITH NO RESULT!!! PLEASE! ALL I ASK IS TO HAVE THE TRADELINE CREATED AND ACCURATELY REPORTED TO ALL THREE BUREAUS ASAP!! NO MORE DELAYS NO MORE EXCUSES THIS IS CAUSING MY FAMILY FINANCIAL STRESS BECAUSE IT IS PREVENTING US FROM PURCHASING OUR FIRST HOME. I NEED THIS TRADELINE HISTORY ON MY CREDIT REPORT!!!!! 5 MONTHS ALMOST ON THIS ISSUE IS RIDICULOUS. I PAY EVERY MONTH, REPORT THE ACCOUNT AND PAYMENTS TO THE BUREAUS!!!","date_sent_to_company":"2021-02-10T21:03:06.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"727XX","tags":null,"has_narrative":true,"complaint_id":"4130875","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"American Credit Acceptance, LLC","date_received":"2021-02-10T20:44:37.000Z","state":"AR","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Having to call back, explain, be transfered etc was frustrating but finally it was escalated to their credit dispute department back in XXXX and I was promised the issue would be resolved in 2 weeks. I never received ANY UPDATE OR ANY RESOLUTION. Every single time we have to call it is such an ordeal and there have been times where it has been mentioned how often we are calling in a such condescending way ...."]},"sort":[19.943544,"4130875"]},{"_index":"complaint-public-v1","_id":"6943739","_score":18.95369,"_source":{"product":"Checking or savings account","complaint_what_happened":"On or about XX/XX/XXXX of 2022 I opened a checking account with Capital One via my cellular device and internet. I proceeded to have my fianc, whom at the time had most of my money send me via XXXX two transactions of XXXX as repayments. And to this very day both transactions remain in good standing not she nor her banks have flagged either one of those initial transactions as bad, fraudulent, etc. A few days later I attempted to make an online purchase. That purchase did not go through, so I decided to reach out to capital one customer service in an attempt to figure out why my transactions were not going through and during that time they were extremely vague and advised me that I needed to come to an office to verify my identity. At the time I was in the process of waiting for my new identification card to come in then mail and that was the only form of identification capital 1 was accepting as being valid during that time. So until I was able to receive mine in the mail, I was not able to go in to a branch to verify my identity. Keep in mind capital 1 is primarily an online only bank as far as Californians is concerned. However In the meantime of obtaining my id, I received XXXX payments over the next few months most of which were reimbursements for labor and or materials and such from clients that I being the handy man I am had previously performed work for. Which I had done during covid when every extra penny helped. Also some of the payments were from close friends as well. So their payments consisted of but werent limited to : refunds for travel and past trips and meals, or activities that I had previously covered. Etc ... some of the payments I can hardy remember given the fact that its now XXXX entire year later I dont think anyone remembers every transaction made to their accounts a year later. Around or about in XXXX I tried to withdraw some of the money which I was unable to do. Upon reaching out to capital one they informed me that there was now an investigation going on with my account and that they had actually closed my account and ended the banking relationship with an account balance of XXXX altogether. I have called them every day for months its now been a full year later and they never tell me anything other than being very rude and vague with me telling me they arent disclosed to discuss anything with me so I ask for someone who I can speak to and then they begin transferring me to the next person who then transfers me again until finally one of them directs me to a voicemail and to leave a message. I have left probably close to 100 voicemails with their investigation team which they always direct me to. Not once have I ever received a phone call back. I have told the and left voicemails that I am late on my Bills and rent bc they wont help me. None of them show any sort of concern or sympathy. They are all like robots who read a script and show no ability to be able to solve problems or at the very least show some sort of empathy. They never try to help instead they just forward me to the next. I dont even get treated like a human being. They will never answer my question what I did wrong they say the only one who can speak about it is the investigator which they refuse to put me in direct contact with. I have gone down to one of there physical locations that they refer to as a cafe with the individuals who have sent me money so they can verify that these transactions are valid and still they will not release my funds. They never notified me of any closure of any account. Not by mail or by any means. One of their representatives actually told me they froze my account because I logged in with a VPN a virtual private network which is a program I choose too annually pay for which is 100 % legal and for my own personal protection when surfing the web as it is used to prevent hackers and viruses. Ive been very patient to allow them to do their investigation but the last time I called the representative told me they will not be releasing any funds for no reason other than the fact that I have not brought every single person in to one of their branches. I literally had 7 or 8 individuals take time out of there busy lives to go down to there bank to acknowledge that they did send me that money and still nothing changed, and they will still not release my funds. they had closed my account before a majority of those transactions were even sent. Why did they allow transactions TO GO THROUGH A CLOSED ACCOUNT All the transactions on my account are valid. FROM THE MOMENT I RECEIVED ANY SORt OF MONEY TO THE ACCOUNT ALL THE WAY UNTIL NOW XXXX MORE THAN A YEAR LATER NOT ONE SINGLE TRANSACTION HAS BEEN DISPUTED THERE FOR SHOULD AUTOMATICALLY LET THEM KNOW THE FUNDS ARE INFACT VALID Not one single person has disputed that they have not sent me money. Every time I call, they are extremely rude because they can not provide me any answers of why this happening because I have done nothing wrong instead they send me thru the same loop hole instead of actually doing their job and helping out a worried customer. Last time I checked people can use XXXX to send money. It has been months now if someone was going to dispute these XXXX transactions they would have done it by now. I am in contact with most of the Individuals who have sent me money so I can provide their names and phone numbers if needed I tried time and time again to prove my case and they just completely ignore all of it. I haven't done any fraudulent activities with this account, and I wish for them to release my funds immediately. This company should be shut down because they're a bunch of criminals I lost my house, and my car has been repossessed because I was unable to make the payments. I have done nothing to receive this type of treatment. They won't return my calls they won't let me prove that all the transactions are in fact legitimate instead they close my account with no notice and refuse to release the funds. Now they have withdrawn all of the money that was in the account. Where did it go? I did not receive it. They are literally stealing my hard-earned money and I would like it back imediatly. I can prove a XXXX times over that all of these transaction or legitamate. Them of which will not have one single reason for all of this damage other than me using a VPN and providing a wrong address on accident ( I live between 2 houses ) .Please help me get what is rightfully mine. My family has gone through so much damage because of this bully of a bank and thats exactly what they are, a big bully that steals money FOR NO REASON!!!! They wont even give me an address to where I can send them documents. So far my patients has gotten my absolutey no where and I would like them to return all of the money they have taken that I have received from family and friends.","date_sent_to_company":"2023-05-06T17:46:11.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"92841","tags":null,"has_narrative":true,"complaint_id":"6943739","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-05-06T17:23:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Ive been very patient to allow them to do their investigation but the last time I called the representative told me they will not be releasing any funds for no reason other than the fact that I have not brought every single person in to one of their branches."]},"sort":[18.95369,"6943739"]},{"_index":"complaint-public-v1","_id":"4399903","_score":18.545046,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XXXX XXXX I went to XXXX XXXX and purchased some beds. I was unhappy with the purchase and was promised that if the price went down within 60 days or I was unhappy, I could return it. The salesman lied to me. I have a bed that I purposely bought to help with my health and have had two XXXX XXXX in the last five years. I am on XXXX and have tried everything to purposely help my back to get better. To spend so much on a bed is a lot to have issues!!!! I also paid money out of if pocket on another card to XXXX XXXX. The warranties are void and the beds are all so uncomfortable. I purposely went here due to the return policy and money back guarantee and price protection if anything went down in 60 days. Well, XXXX XXXX declared bankruptcy on XX/XX/XXXX or XXXX of 2020. I immediately called the store and went up there with no success. Then the stores decided to close completely due to covid and do not answer any phones. It was all over the internet and TV in Michigan as XXXX XXXX used to be a great business until it was sold off a few years ago. They did decide to open back up in XXXX of 2020 and had a liquidation sale. I was promised that I would get 60 days and price protection as well in the 60 days if the prices went down or a refund if I was unhappy with the beds. I have tried to dispute this with synchrony bank numerous times and was promised that I did not need to send in paper work or make a payment while this was in dispute. They said all the late charges would be refunded. I even tried to make payments so my credit would not get messed up due to the dispute but they would always cancel me payment since it was in full dispute. I have late charges on there and they finally gave me two letters. One that I received was not even mine. It was another customers with their personal information on it mailed and addressed to me!!! Then, they gave me a letter and said I can no longer dispute this and that I was o to getting the {$700.00} fromXXXX XXXX in their favor. I called them and asked what number are you calling for XXXX XXXX as I would like to call them. They said to XXXX it. The number does not work. They have totally given me the run around from a store that they provided service from and self me someone elses information!!!! So back to XXXX XXXX opening back up. I went in there, got photos of the items I purchased and proof of the price going down. They had commercial. They then opened up under XXXX XXXX which is now also filing bankruptcy. Nobody has helped me and I am stuck with a {$10000.00} bed with a giant gap in it that is not comfortable at all!!!! I even have auto pay set up with synchrony bank and they still will not remove the late charges. I was transferred to five different people and finally the woman was very rude and she said that I did get the letter. Well I did not get in time due to the mail being delayed and was charged another late fee. She said we already removed late fees for you. It is the law and they promised me I was going to reimbursed for all the late fees while in dispute. No, I literally had to call every single month and be transferred all over the place and was given so many wrong numbers from multiple representatives at Synchrony Bank. Nobody ever could do it and you have to wait until the dispute is closed I was told every single time. I have proof of the beds being uncomfortable, the prices going down during the liquidation sale when they did open up briefly and proof of this giant gap in the bed. I have bought aftermarket products that do not work to get the crack out which is a 6 inch gap or more. Its not my fault the salesman lied to me and that they filed bankruptcy. I have to go and buy a new bed again through sleep number so I dont have the gap and spend another $ {$10000.00}. I have turned this in on here before and nothing happened. Nobody ever called me or wrote me or anything. So, I am asking what can I do to get my money back due to the promise bing broken since they filed bankruptcy and Synchrony Bank will absolutely not help me at all??? I am going to attach all the proof including if it will allow me the latest commercial I got of the XXXX XXXX filing bankruptcy and everything must go with no prices denied. I really need help and want to sleep. Its literally impossible on this bed yet I can just go out and purchase other ones with this still having all this money owed on it. Please call, text, or email me back. Ok I am looking forward to collaborating wit you to get this issue resolved once and for all.","date_sent_to_company":"2021-06-08T21:33:35.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"48124","tags":null,"has_narrative":true,"complaint_id":"4399903","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2021-05-24T01:46:05.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overcharged for something you did purchase with the card"},"highlight":{"complaint_what_happened":["No, I literally had to call every single month and be transferred all over the place and was given so many wrong numbers from multiple representatives at Synchrony Bank. Nobody ever could do it and you have to wait until the dispute is closed I was told every single time. I have proof of the beds being uncomfortable, the prices going down during the liquidation sale when they did open up briefly and proof of this giant gap in the bed."]},"sort":[18.545046,"4399903"]},{"_index":"complaint-public-v1","_id":"12742252","_score":17.28989,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX on XXXX there was a XXXX money transfer of XXXX it says exactly on my bill statement visa money transer XXXX XXXX XXXX money tranfer XXXX XXXX other debit deposit XXXX this is on my chime account.Now from then on every transfer and every adjustment makes no sense to me. Everytime i get direct deposits from ssi i transfer them from chime to XXXX.I only have chime for the benefits.Now i started paying attention to it all when my identity got stolen in the middle of XXXX. Someone called and told me theyve been watching me thru my webcam for 7 days. My phone is being mirrored my email kicked me out i had to make another one, that one was hackedso i made a third and someone is trying to hack that. theyre changing my passwords my recovery numbers and emails.I made a report with XXXX and i have a police report. My tablet was stolen. Im looked myself up on lifelock and ive been in data breaches since XXXX over XXXX and my info is being sold on the dark web over XXXX times. Now i let chime know all of this and they just keep taking my money, refusing to do disputes, refunds, block merchants provide merchant info etc. They said i have no secured account i seen it on my XXXX XXXX account. They said i owed XXXX in secured account they initally denied i had i had XXXX in the account i asked for it back they said they hold it to pay off secured account but in their fine print it says you havethe option to keep your money and pay it when your bill is due. I have XXXX and XXXX in the account they said i owe nothing, then said i owe negative XXXX then said i owe XXXX and i just got paid XXXX and they took XXXX after they already kept my XXXX when they said i only owed XXXX. I have every conversation screenshotted and every statement. Like i told them if im the one making all the transfers where are they going? where is the end landing place after im doing all this random transferring from checkings to savings to credit back to checkings then saving. I told them to compare my XXXX statements during their dispute investigations and theyll see im not making those transfers. They are giving me the hardest time refusing to do anything even tho my identity is stolen. they wont even close my accounts. I looked up my closest place to deposit money and it says somewhere in XXXX XXXX and im in XXXX. They owe me so much money and i dontr understand how they csn just keep doing what they want with other peoples money with noone to answer to. Now XXXX is allowing theives to rob me thru XXXX currencies. I have credit cards i seen unauthorized transactions in my savings of over XXXX dollars at a time. They told me thru email they would get back within XXXX hrs its been XXXX days now no response, all they did was lock me out for security reasons. XXXX is refusing to close my account and refund me, so is self which has me down for a loan of XXXX. XXXX has me down for a loan of of XXXX. I have credit cards in my name, discover XXXX XXXXXXXX XXXX XXXX XXXX. My life is literally ruined and every single day its getting worse. I have a detective assigned to my case finally but that process is moving very slow. I need help stopping this sll. I put a freeze on my credit score apps but hackers are still getting cards loans mortages my taxes a vehicle in my name","date_sent_to_company":"2025-03-31T20:35:04.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"15206","tags":null,"has_narrative":true,"complaint_id":"12742252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-03-31T19:18:58.000Z","state":"PA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["My life is literally ruined and every single day its getting worse. I have a detective assigned to my case finally but that process is moving very slow. I need help stopping this sll. I put a freeze on my credit score apps but hackers are still getting cards loans mortages my taxes a vehicle in my name"]},"sort":[17.28989,"12742252"]},{"_index":"complaint-public-v1","_id":"2573345","_score":17.224367,"_source":{"product":"Student loan","complaint_what_happened":"To whom it may concern : I am not sure where else to turn to complain about 'Fedloan Servicing, ' the company that services my student loans, as their own website does not have a section dealing with customer satisfaction or complaints. I am currently on an income-based repayment scheme ( this is my third year on it ). To make my story short and sweet, every year ( 3x now ) that I have had to send in income documentation regarding how much money I make ( 1st as an XXXX XXXX through the XXXX XXXX XXXX ; 2nd as a XXXX XXXX XXXX XXXX XXXX ; 3rd as a XXXX XXXX at XXXX University ), Fedloan Servicing flat out rejects my application because I have not stated my \" gross annual salary. '' After calling them for days at a time, and getting contradictory advice with each representative I talk to, I finally talk to someone and explain to them that all the information is there, including how much my gross salary is. It takes them 1-2 months to process the initial request, then they reject it. Then, after they realize they have made the mistake ( not myself ), they tell me I have to wait another 1-3 months to get it re-processed, which makes me lose out on \" payments '' for the particular IBR scheme I am on ( 20 yr plan, after 20 years of payments, the loan is forgiven ), which, if they do this every single year for 20 years would add a few years onto my payments. My simple point is this : Fedloan Servicing consistently makes simply administrative errors, penalizes the customer, and only after repetitive harassment from said customer, do they actually ever do their job. I am only 3 years into dealing with this company, and I really can not believe that the federal government allows them to service loans in the taxpayer 's name. It is extremely frustrating ( not to mention demoralizing ) to have to call these people constantly, a company that does not seem to deem either customer service nor actual knowledge about student loans a priority. I hope this can serve some use. On another note, how in the world does it take 3 months to process an income payslip to prove how much money I make? It is literally one piece of paper. The attachment below shows the income documentation I submitted to Fedloan Servicing. I was told that it was rejected because they did n't know how much money I was making ... seems clear enough to me. Furthermore, I submitted documentation in XXXX of 2017 for job starting at the end of XXXX because I KNEW they would mess it up ( like they did last year ) and take months to figure it out. XXXX regards.","date_sent_to_company":"2017-07-13T04:40:17.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"72758","tags":null,"has_narrative":true,"complaint_id":"2573345","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AES/PHEAA","date_received":"2017-07-13T00:20:32.000Z","state":"AR","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["To make my story short and sweet, every year ( 3x now ) that I have had to send in income documentation regarding how much money I make ( 1st as an XXXX XXXX through the XXXX XXXX XXXX ; 2nd as a XXXX XXXX XXXX XXXX XXXX ; 3rd as a XXXX XXXX at XXXX University ), Fedloan Servicing flat out rejects my application because I have not stated my \" gross annual salary. '' After calling them for days at a time, and getting contradictory advice with each representative I talk to, I finally talk to someone"]},"sort":[17.224367,"2573345"]},{"_index":"complaint-public-v1","_id":"3137914","_score":17.11496,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2018, I submitted a dispute through Equifax for several items on my credit report. These items had already long since been investigated and removed by XXXX, who is wonderful by the way. I got a confirmation via email on the 30th day after my dispute. I attempted to look up the results but, again and every single time, I could not confirm my own identity via their site. So I called Equifax and after about 25 minutes, was able to finally confirm identity via phone and with a rep. After 25 minutes on the phone, they said I had to speak to another department, so they transferred me and I, again, had to go through the arduous process of confirming my own identity. At about the 45-minute mark on the phone, I was told that they had investigated and it was determined that all of the bills were mine and my responsibility. I proceeded to tell the rep that I know they didn't investigate it because how can I be responsible for a bill for healthcare to a facility I've never visited in a town I've never been to? I told them that, when I go to the doctor, I have to provide my ID, insurance card and I have to sign a paper saying I'm responsible for the balance. I told them that if they truly did investigate, they would have taken it off seeing that that company or facility does not have any of that information for me because I've never been there or gotten services from them. The rep then admitted to me on the phone that they don't really investigate, I quote, he said that they, take the collector word for it. I repeated that statement back and he confirmed it a second time. I want to know how is it that a company like Equifax, who holds my whole life in their hands, is not responsible for ensuring that they are only giving accurate information? With everything else going on with this company, how is it that an already antiquated Financial Credit Reporting System is still in place much less ran by people who have no Integrity for accurate information? They offered to start another dispute and I asked them what would be different this time when I gave all of the information last time and they're not going to investigate it anyway? The gentleman hung up on me. I complained via phone, social media and through a web form yesterday evening and today, my Equifax, and only Equifax, credit score lowered by 80 points without the usual disclaimer of why it raised or lowered. As someone who has no input or decision-making when it comes to something as serious as this, I demand and sincerely request that we as a public finally get a right to determine who it is that has access to our information and want to know how they are processing it to ensure accuracy? Everything I've worked hard for the last few years and planned is literally on hold and ruined after that 80 Point drop ( retaliation?! ) and their refusal to remove a bill that is legitimately not mine. And let me remind you that they don't just refuse to remove it, they refused to investigate it. They have a legal obligation, and since its on our credit report, why don't they have the burden of proof rather than just adding things to your credit without checking for validity?! At this point, I'm going to go get my own documentation from that company and I will publish it publicly. Thank you for your help!","date_sent_to_company":"2019-01-30T21:57:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"40258","tags":null,"has_narrative":true,"complaint_id":"3137914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-01-30T21:38:35.000Z","state":"KY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I attempted to look up the results but, again and every single time, I could not confirm my own identity via their site. So I called Equifax and after about 25 minutes, was able to finally confirm identity via phone and with a rep. After 25 minutes on the phone, they said I had to speak to another department, so they transferred me and I, again, had to go through the arduous process of confirming my own identity."]},"sort":[17.11496,"3137914"]},{"_index":"complaint-public-v1","_id":"6999423","_score":17.020948,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"A woman got into my cash app and stole all of my money. Sent {$530.00} of my money to herself. I have reported to cash app and nothing is being done about it. I have been hung up on, denied access to a supervisor or manager multiple times. They were suppose to start an investigation but I can not seem to get any information about if the investigation is happening or any updates on my case. The case number for my cash app investigation is XXXX. The money that was stolen was the rest of my rent money and I am now facing eviction because of this matter. They keep saying they have no information or updates about it. I have not only researched the lady 's cashtag that she sent my money to but also found her XXXX and found her email address. Her location and also have evidence from her relatives and close friends that she has done this to people before. Which I have also submitted to cash app. When this happens to other customers they issue a provisional credit while the investigation is ongoing, not only will they not issue me a provisional credit but they will not answer my question as to why I can not receive one. When they finally did they said certain criteria of my dispute has to be met. So I asked what do I need to receive it and now they will not answer me at all. Can anyone someone please help me. I have all the evidence. Every transaction, time and date. I also have where it was reported that my cash app was accessed by a new device in another city I have never been to. Also the location is where the last lived who done this to me. Cash app will not help me on this matter or give me any information regarding my case. My name is XXXX XXXX. If anyone can please reach out to me and help me on this matter. I have a XXXX XXXX XXXX daughter and a XXXX XXXX XXXX son. I am a single mom, I can not be homeless with my kids because cash app will not investigate or issue the provisional credit like every other customer. I have no family or friends nowhere to go if my kids and I get evicted. I literally have proof from friends and family showing that they issued them provisional credits when things like this happened to them. I don't understand why they are treating me like this. No one will answer my questions through the cash app support over the phone, the app, or the email. They keep making me answer the same questions and will not give me ANY info about my case or why I can not receive a provisional credit. Please help me? I was told 2 days in a row that I could not speak to a manager or supervisor, I called multiple times each day. I emailed. I contacted cash app support both through phone and the app. Please help? I have any and all the evidence ready to go. This is heart breaking and making me feel like I am not as valuable as every other customer or human being. I asked to file a complaint and the rep hung up in my face. Please help.","date_sent_to_company":"2023-05-19T20:57:10.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"32060","tags":null,"has_narrative":true,"complaint_id":"6999423","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2023-05-19T20:03:06.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["When they finally did they said certain criteria of my dispute has to be met. So I asked what do I need to receive it and now they will not answer me at all. Can anyone someone please help me. I have all the evidence. Every transaction, time and date. I also have where it was reported that my cash app was accessed by a new device in another city I have never been to. Also the location is where the last lived who done this to me."]},"sort":[17.020948,"6999423"]},{"_index":"complaint-public-v1","_id":"1503075","_score":16.630722,"_source":{"product":"Student loan","complaint_what_happened":"Company : Wells FargoSchool : School XXXX XXXX XXXX, XXXX applied for a Six-Month forbearance on my student loan in XXXX or XXXX of this year, when applying the associate I spoke with informed me that if my financial situation had n't improved by the end of the forbearance period I would be eligible to apply for an additional forbearance of six months. \nI 've struggled with XXXX that have inhibited my ability to be as productive as possible since graduating college in XX/XX/XXXX. I 've been employed off-and-on during this time. First at a local hardware store, then, after an internship opportunity in XXXX that I allowed to slip because of my illness, and a period of unemployment and even XXXX XXXX ; at a local ski shop. Exacerbating this is my total debt : upwards of {$230000.00} and growing daily. I 've finally reached a point where I feel I am making some sort of progress, working with my doctors and my family ; however, these sorts of psychological hardships are completely ignored by ALL of my private financiers. \nWhen the six months were up ( this XX/XX/XXXX ... Bill due XX/XX/XXXX ) I immediately called Wells Fargo customer service to begin the process of applying for an additional forbearance while I continued work on my career outside of retail. The representative I spoke to was apprehensive at first, saying something about XXXX payment required -- when I explained to him that the employee that I spoke to in XXXX had assured me I 'd be able to receive the additional forbearance he said something to the effect of \" Oh yeah, that 's right, you need to call back closer to your billing date, though. \" I assumed the information provided to me by multiple customer service representatives at Wells Fargo was correct and I waited until the day before my bill was due to call them to complete the application process. What happened next was astounding. \nEvery single representative apologized, the information I had been provided previously was incorrect, there was nothing they could do, my bill was due the following day. I struggled for hours -- being punished for misinformation provided by their own customer service representatives seemed less than fair, possibly criminal. \nI have no doubt in my mind that the customer service representatives at Wells Fargo are trained in subterfuge, to delay these sorts of requests until it 's too late and then to completely shut down any hope of delaying billing. \nWe 've began the process of loan modification but we 've been informed that our bill is still due, I 'll be forced to make below-minimum payments and to deal with possibly months of harassing collection calls. \nAs someone already suffering from a handfull of XXXX illnesses the thought of surprise default or even just continued deceit can be quite literally crippling. \nI would never have signed up for higher education, had I known at XXXX ( when I was still asking permission to use the restroom in highschool ) this would be the cost.","date_sent_to_company":"2015-08-05T04:42:30.000Z","issue":"Can't repay my loan","sub_product":"Non-federal student loan","zip_code":"035XX","tags":null,"has_narrative":true,"complaint_id":"1503075","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2015-08-05T04:42:29.000Z","state":"NH","company_public_response":"Company chooses not to provide a public response","sub_issue":"Can't temporarily postpone payments"},"highlight":{"complaint_what_happened":["We 've began the process of loan modification but we 've been informed that our bill is still due, I 'll be forced to make below-minimum payments and to deal with possibly months of harassing collection calls. \nAs someone already suffering from a handfull of XXXX illnesses the thought of surprise default or even just continued deceit can be quite literally crippling."]},"sort":[16.630722,"1503075"]},{"_index":"complaint-public-v1","_id":"11410517","_score":16.624573,"_source":{"product":"Mortgage","complaint_what_happened":"My divorce was finalized XXXX XXXX XXXX, almost a year ago. Per the court orders I was awarded the residence we live and we were to go through the loan assumption process to retain the 2.5% interest rate. My ex husband submitted the initial paperwork. We submitted the property settlement 2x. The first time they said the paperwork didnt include what they needed, so my ex faxed in the entire documents on XXXX XXXX XXXX to the fax number provided him. I followed up almost every month to Citizens Bank and each time, the representative told me, everything was good, Loan assumptions take time. Dont worry. They continually gave me the same date as to when it would be finalized. XXXX XXXX. I literally called every other month, if not monthly, to make sure the bank had everything they needed from me, and each time, yes, this takes time, XXXX XXXX it will be in your name. I called on XXXX XXXX, and the representative pulled up my account and said well, its not done as of yet, but by tomorrow, it will be completed, sometimes it takes the last day to finalize. I waited a week and followed up to another representative telling me this time, that there was no loan assumption in process. I cried on the phone to that poor lady. She said she would expedite the request. The fact that my ex has already re-married and I am having to deal with all of this still has been emotionally taxing to say the least. But all I could do was wait for an assumption specialist to call me. I missed that call and tried to call back, left messages and no one called me back. I called again and in XXXX (?) another representative finally got his manager involved, XXXX XXXX. After that call, after she confirmed again, no assumption was in process, (she said they stated they still hadnt received the property settlement documents, which were sent again to them in XXXX). She requested I email the docs again which I did right then and she confirmed she received it. I was sent an entirely new application, a letter stating I would owe XXXX for the assumption fee. I submitted everything back to Citizens within the time period and they followed up with another form requesting all my financials, my pay stubs, my accounts, and I signed for a release for my tax documents. They cashed my XXXX. I thought finally things were going to finish up. Then I called two weeks later because I hadnt heard from them yet again. The representative said I had been denied. And I about lost my mind. Again. I had to wait another couple weeks for someone to call and tell me what had happened. No one called me. I had to write XXXX multiple emails back and forth, finally saying I would seek legal counsel if this wasnt addressed. My credit score at the time was XXXX. Theres no reason to have been denied. On XXXX XXXX, the first time anyone called me back about the loan assumption, XXXX XXXX. I told her my entire process and how disappointing this has been and she pulled up my account to tell me that the underwriter had denied my application WITHOUT requesting my tax forms, saying it didnt show my variable income for enough months. I have worked the same job since XXXX that has been based on commissions, plus I get child support. They denied me also because in XXXX and XXXX I took a line of credit out for a new XXXX, believing every single person who I called that said it would be done and finalized and everything good. Citizens needs to go back to XXXX XXXX XXXX to see what loans I had at that time, instead of basing it on a line of credit I took out in XXXX and XXXX. I wouldnt have done it if they hadnt kept telling me it would be finalized the end of XXXX. She apologized and asked for me to send her my entire tax returns to pass on to the underwriter. She said that IF we were able to get this approved, she would waive the XXXX. They did keep my XXXX fyiShe sent me a test email to make sure I received her message. I contacted my tax lady, almost immediately, the same day with XXXX ccd on the email. And my tax lady sent me the returns. I couldnt tell if she had sent them to XXXX since I didnt see her Ccd so I asked XXXX. No response. I emailed again. No response. And I have all my emails to prove this. I called her office , left a message, nothing. She said she was going to send me an envelope to provide by tax returns just in case I couldnt email them. Nothing. I have not heard one thing back from XXXX. I called again the end of XXXX and the representative told me he would have XXXX reach out, or an assumption specialist. I could expect a call back in 48 hours. Nothing. Nothing. No communication. I emailed XXXX again asking her to please help, that this situation has just been so mishandled. I dont know what to do to address this, because they have dropped the ball multiple times and havent taken responsibility for any of it. She said she would pull the transcripts to provide coaching. How can multiple people tell me the XXXX date, and none of them be accurate? This has caused so much emotional distress. I want to close this chapter in my life. My ex is remarried and thankfully we are on civil terms, or else he wouldnt be as cordial to offer the info I have needed. They need to go back to when this all started in XXXX XXXX XXXX and all the line of credit they based my eligibility on, didnt exist. I was told there was nothing more to do but wait. And then to be told there was No assumption and then to be told I was denied because of they didnt use my tax returns to show I make plenty of money. I feel like they dont want to allow me to keep the low interest rate, because why would they if they force me to refinance at 6%? This process has been outrageous and I have never had such a terrible experience with any bank or organization as I have with Citizens and wouldnt recommend to anyone this process. Please help.","date_sent_to_company":"2025-01-07T22:24:38.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"68506","tags":null,"has_narrative":true,"complaint_id":"11410517","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2025-01-07T21:24:26.000Z","state":"NE","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue with the application process"},"highlight":{"complaint_what_happened":["I had to wait another couple weeks for someone to call and tell me what had happened. No one called me. I had to write XXXX multiple emails back and forth, finally saying I would seek legal counsel if this wasnt addressed. My credit score at the time was XXXX. Theres no reason to have been denied. On XXXX XXXX, the first time anyone called me back about the loan assumption, XXXX XXXX."]},"sort":[16.624573,"11410517"]},{"_index":"complaint-public-v1","_id":"2933583","_score":16.25679,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On or about XX/XX/XXXX, I received notice from Fifth Third Bank ( 5/3 ) that my mortgage was in foreclosure. I was shocked and confused as my mortgage is paid automatically every month via my XXXX checking account. When I checked my bank statements, every check had been cashed. As I later learned, 5/3 had cashed my mortgage payment, but refused to apply it to my loan because there was a shortfall in the escrow account of approximately {$80.00}.\n\nAs of about XX/XX/XXXX, 5/3 said that I had missed 2 payments ( both due to same process ). However, I still had not received a reimbursement of my 'non-applied funds ' so had no idea that my two payments of {$1500.00} had not been applied, NOR did I have the use of that money, since the payments were cashed by 5/3! I received the first of these reimbursement checks literally one or two days after this happened. It was dated XX/XX/XXXX - and this was about XX/XX/XXXX!\n\nI had not received a call or an email on this IMPORTANT matter so I immediately called Fifth Third, and was told by a VERY rude and condescending representative that they sent me a letter. Unfortunately, I missed this 'letter ' because I receive SO MANY SOLICITATIONS from them asking me to refinance my loan, that I have essentially been trained to ignore them. Mind you, this notice was sent in the exact envelope that their junk mail was in - it was not marked any differently than a solicitation.\n\nAfter numerous calls and long hold times, I was told that they don't email regarding a foreclosure ( although they emailed me about other topics so they had my email address ), and they tried to call me, but that the phone was disconnected. It wasn't - they had my phone number incorrectly documented in their files.\n\nIn late XX/XX/XXXXor early XX/XX/XXXX, someone came to my door and asked my name and confirmed that I was living in my home. I asked what it was about, and he said it was no problem, just that 5/3 was confirming that I lived there. I asked again if everything was ok, or if I needed to do anything and he said no that it was just routine. In hindsight, I should have called 5/3 to verify, but he reassured me that all was fine. I double checked my bank and confirmed that my checks had been sent on time and had been cashed ( and I work two jobs and am a single mom ), so I went about my day. So apparently 5/3 was willing to PAY someone to come here to see if I was living in my home, reassure me that nothing was wrong, but couldn't be bothered to send an email, or send a letter that presented as something other than their standard bi-weekly solicitation, or do a quick google search or phone book check to get my correct phone number. I'm listed.\n\nI have had my mortgage with 5/3 since XX/XX/XXXXand have never missed a payment, nor have I ever been late for a payment.\n\n5/3 reported to the credit bureaus that i had two payments that were past 30 days late, so my credit rating plummeted about 200 points!! I requested from the supervisor to have those reports rescinded once I paid all their penalties and immediately transferred them both of my payments. At this point, I am still out of pocket FOUR mortgage payments. I have called and attempted to escalate and was repeatedly denied. I am appalled at the treatment that I received and will NEVER do business with this company again. After more than a year of working two jobs, I finally have restored my credit ( but still have 2 mortgage payments past 30 days showing up ) to the point that I can refinance my mortgage. Even if it costs me a little more to refi - I don't care - it will be worth it to get away from this disreputable and ANTI-customer service company.","date_sent_to_company":"2018-06-12T11:46:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23238","tags":null,"has_narrative":true,"complaint_id":"2933583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2018-06-12T10:51:25.000Z","state":"VA","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["In hindsight, I should have called 5/3 to verify, but he reassured me that all was fine. I double checked my bank and confirmed that my checks had been sent on time and had been cashed ( and I work two jobs and am a single mom ), so I went about my day."]},"sort":[16.25679,"2933583"]},{"_index":"complaint-public-v1","_id":"8301365","_score":15.857703,"_source":{"product":"Student loan","complaint_what_happened":"In XXXX I filed a complaint with the dept. of education regarding this issue. \n\nI made the minimum payment on my subsidized and unsubsidized loans then specified an over payment for the loan with the smaller balance. It automatically changed my overpayment amount to be reapplied to other loan, essentially making it IMPOSSIBLE to pay off that loan early. After DOE got involved, Aidvantage corrected it, I was allowed to specify overpayment amounts correctly for the month of XXXX. \n\nit has now reverted back to where I can not specify an overpayment amount. I just want to pay my loans off as quickly as possible. Aidvantage does not get to tell me where I'm allocating my debt payments ; what is the poXXXX of allowing me to \" specify '' if I can't actually specify an overpayment??? \n\nI tried calling to make the payment over the phone using the number that is listed on their website. However, their call center just circles you back around every single time. After 5 minutes I finally hit the \" question/return call '' option and got thru to an employee named XXXX. \n\nShe told me that I can't pay more on one loan than the other because even thou it is consolidated, and sub and unsub are separate, its actually only one loan. So I asked why it gives me the option to specify and she said that's for unconsolidated loans. When I told her about how it is possible to do that I paid that way in XXXX she put me on a 10min hold then said I can make the overpayment online and let it allocate itself, then call XXXX ( not listed on their website ) to speak to a representative to have them reallocate the funds correctly. I asked her how can I do that if I cant even get thru their call center to speak with someone to make a payment in the first place. She then said she can't do anything their call center must be having issues but that I can leave a voicemail and they'll call me back. I left a voicemail hours ago and have yet to receive a call back. considering no one is answering calls on that line, i highly doubt they will return my call. \n\nI can not find any statutes or laws that are backing up what Aidvantage is telling me about the overpayment/automatic reallocation despite specifying for each loan amount to be paid. \n\nMind you, this is all over an OVERPAYMENT ( ie interfering with the amount of interest that could potentially be made on the balance is only minimum payments are made ). The minimum payments are still being made. \n\nEven if I had XXXX in the bank I couldn't even pay that loan off if I wanted to because : 1. the website will automatically change my payment to be applied to a totally separate loan ( despite XXXX telling me its one loan, it is listed as two loans on my portal ) ; and 2. I can't get thru to anyone in their payment center to make a payment correctly, per their policy for overpayment specification. \n\nThere is an option to mail payments in the form of a check but I am afraid to do so because i'm concerned it would get \" lost '' and not applied to my account at all forcing me to incur additional fees and penalties. \n\nI just want to be able to pay off my loan. I should not be forced to accrue daily compounding interest on a loan I am actively trying to make overpayments on. This is incredibly predatory of Aidvantage, and by forcing payments this way and refusing to answer phone calls they are ensuring that my loan repayment is drug out as long as possible and that I incur as much interest as possible. \n\nThis is my 3rd complaint regarding this matter. Each time they \" fix it '' for a few months then revert back to their predatory practices. This is not fair I'm literally getting punished for doing what I'm supposed to be doing and for trying to pay back a loan as quickly as possible.","date_sent_to_company":"2024-02-07T20:27:12.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"39047","tags":null,"has_narrative":true,"complaint_id":"8301365","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-02-07T19:55:40.000Z","state":"MS","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["However, their call center just circles you back around every single time. After 5 minutes I finally hit the \" question/return call '' option and got thru to an employee named XXXX. \n\nShe told me that I can't pay more on one loan than the other because even thou it is consolidated, and sub and unsub are separate, its actually only one loan. So I asked why it gives me the option to specify and she said that's for unconsolidated loans."]},"sort":[15.857703,"8301365"]},{"_index":"complaint-public-v1","_id":"3801079","_score":15.716115,"_source":{"product":"Checking or savings account","complaint_what_happened":"Citibank closed my checking account without notice ; I have YET to be contacted by anyone from Citibank - no phone call, no letter, absolutely no communication from Citibank at anytime- and the only communications I have had with Citibank personnel is during one of the 17 phone calls I've made to them since this began to try to find out exactly what is going on with my checking account, where my funds are at since I have no access whatsoever to any of my funds, or to get a status update of where we are in the process so I can know when to expect the remaining funds from my accounts there. I have literally BEGGED for a return phone call from someone at Citibank who could just tell me what is going on since I haven't received any written notice from the bank at all pertaining to my account, yet no one ever returns my call despite me being promised that someone will return my call in 2-4 hours, or within one hour, or within one business day - yet I still have not received a return call and I have literally BEGGED for one. At one point, during one of the conversations I was having when I called in to see what was going on with my account and when I'd have access to my funds again, I was told by the customer service representative that the Fraud Prevention Department was reviewing my account and that my account was being closed by the bank. He stated to me that I'd receive a check for the remianing funds within 30 days. This phone conversation was on XX/XX/2020 and 6 weeks later, I still have not received those funds yet. My family is literally suffering because that was every XXXX that I have to my name and I now have no access to it. My rent is past due and my angry landlord is threatening to put our belongings by the curb and forcibly evict me if I do not pay my delinquent and current month rent in full. My electricity is past due and after Thursday of this week, my electricity will be disconnected for non-payment. I have fed my XXXX children from my church 's food pantry for the last 4 days because I have no money to buy them food to eat. I have 1 child that needs to go to the doctor, but I have no money to even pay the co-pay for her doctor visit. I have called Citibank again today begging for help because my life is literally falling apart moreso everyday and all of it is being caused by Citibank 's decision to restrict my access to my funds and perform some mysterious 'investigation '', which no one can tell me anything about - I have offered to provide them with documentation of every single deposit into that account and every disbursement out of my accounts, yet I'm told they do not need any additional information from me. So, I'm not sure what type of 'investigation '' they could possibly be conducting, but since 100 % of every XXXX in my accounts is well documented and legitimate, as are expenditures, it certainly could not be taking this excessive amount of time because there is any indication to the contrary because none exists. Further, I have not been contacted by any investigator or anyone else from the bank, so I seriously question what type of investigation they're performing that allows them to not so much as attempt to speak with the account owner. I was told today that the investigation was completed and that my account was in the account closure process and that it would take 30-60 days for a check to be issued and mailed to me for the funds remaining in my accounts. I have been very patient throughout this entire past 6 weeks as they done whatever review they chose to do, simply because I know with certainty that every XXXX is legitimate, in no way whatsoever involved in any type of fraud, and rightfully belongs to me, but this is now a MAJOR that is literally ruining my life and my children 's lives. I have no other assets and have no other means to provide for my children and I am literally at the point of bankruptcy and will have no electricity after this week, so I am now begging for your help in getting me some type of resolution to this matter so that I can get the money remaining in my accounts and provide for my family because if I can't get access to these funds quickly, it will be our demise. I've tried multiple times to contact Citibank about this, but their very cold representatives have made it quite clear that they can not expedite the processing of my check any quicker than 30-60 days and that my family 's survival is of no concern to them. As a last resort, I am now coming to you begging for your help and hoping that you can intervene and do something to help me get access to my money because in three days I will have no electricity at my house, I could be thrown out on the streets with no where to go with my XXXX kids due to non-payment of my rent, and do not have XXXX XXXX to purchase food or medical care for my children so I am beyond desperate and beg for any assistance you could provide. \n\n\nI have been unemployed since XX/XX/XXXX due to my employer ceasing operations due to Covid 19. I was finally awarded unemployment benefits on XX/XX/2020 and was retroactively awarded payment going all the way back to my claim date of XX/XX/XXXX, On XX/XX/2020, I received a series of deposits into my Citibank checking account from the Georgia Department of Labor, paying me retroactively for my unemployment benefits from XX/XX/XXXX - XX/XX/2020 ; the Georgia Dept. of Labor approved my claim in late XXXX, but because my claim date was XX/XX/2020, they had to issue me retroactive payments for all weekly benefits I was entitled to from XX/XX/2020 to that date. As such, payments were made to me for all weeks on XX/XX/2020, causing there to be multiple direct deposits for all of the weekly benefits that I was retroactively entitled to. This is the only non-routine activity that occurred, so I can only assume that this is what triggered Citibank 's investigation of what one representative termed \" suspicious activity '' in my account. On XX/XX/2020, while attempting to make a purchase at XXXX XXXX, my debit card was declined and when I called Citibank customer service, they asked me to verify some recent transactions and to verify that it was me making those purchases. Because I had been unemployed for some time and had just received the retroactive payment for over 3 months of unemployment benefits, there was several purchases and bills that had to be paid to get them current now that I had access to my unemployment benefit funds. I was told that because a larger number of purchases had been made, they had flagged my account and wanted me to verify the purchases. I verified all purchases via telephone with the customer service representative and all were legitimate and just me making purchases for food and supplies needed for my family, supplies for repairs and maintenance, and to pay bills, such as electricity and telephone. However, the block was not removed off of my debit card even after verifying the transactions. I called Citibank again and was told that another department would need to speak with me but that I could not call them directly ; she stated that she would have someone within that department to call me within the next hour. That call never came and since then, I've had 15 more identical phone calls with Citibank customer service representatives and Fraud Prevention Department personnel and still have not received a return call from anyone there. I have not received any letter whatsoever explaining what is going on, nor do I have access to my online banking account ( I received an email telling me there was a message for me in my secure message center but since my access to my online account had been restricted, I could not log in to read these messages - I reported this to customer service representatives as well but was never given access to my online account again and have never received any documents in the mail despite me requesting that a copy of all correspondence relating to this matter be sent via US mail due to my restricted online access ). Through conversations with various personnel during one of the 17 phone calls that I have initiated, I was told that my account was being reviewed and that upon their review they had decided to close my account ; I was told that this process of closing out my account would take 30-60 days. Today, XX/XX/2020, I spoke with XXXX in the Fraud department and asked what I could do to expedite this process, as my family was going without necessities and I had a child that needed medical care but that I couldn't afford the co-pay because 100 % of my money is restricted by Citibank and I could not access any of my money ; I offered to send documentation from the Georgia Department of Labor ( a payment advice for each and every deposit every direct deposited to my checking accounts ) and every expenditure paid out of my accounts, as I keep a very thorough set of records ; XXXX told me that the investigation was complete and that no additional information or documentation was needed from me and that they were simply waiting on the check to be issued remitting the remaining funds in my account to me. I pleaded with XXXX to connect me with someone there who I could explain my circumstances to who could expedite the issuance of this check as it clearly did not take in excess of 20 days to issue a check and she told me that there was nothing that could be done to expedite this process and I simply had to wait on the check to be issued and mailed to me. Despite me explaining my current situation - about to be evicted, have no food nor money to buy groceries, a sick child needing to see the doctor but no way to pay the co-pay to take her, electricity about to be disconnected - but she offered no kindness or genuineness in her tone as she curtly told me there was no one I could speak to further about it and that nothing that can be done expedite this process. I have now spoken to almost 2 dozen Citibank representatives during this last month of horror caused by my funds being restricted and this \" investigation '' and not one of them - NOT ONE - even remotely acted as if they cared one tiny bit about me or my family 's survival. Since I had literally cried to them explaining my situation to them and begged for their help, I absolutely feel like the biggest fool in the world for doing so because their very curt attitudes and clear lack of any sincere desire to help was so very obvious that it would be obvious to a blind man. Also today, I spoke with XXXX in the Security Department, who was hideously rude to me and offered the same identical \" I can't do anything to help you '' attitude and told me that there was no other supervisor that I could speak to. The last several months have been exceptionally difficult with the Covid 19 pandemic causing me to be unemployed for several months, getting behind on all of my bills, and placing a huge financial strain on my family ; however, these last 6 weeks since Citibank made the decision to close my account and has restricted my access to ALL of my funds has been the most horrendous and most awful time of my entire life. It has been absolute torture to watch your children NEED food and medical care and not be able to provide it for them ; that is literally the most painful and heartbreaking experience in my life. I feel like I have been more than patient over the last 6 weeks in light of this situation and offered repetitively to provide whatever documentation and information they may need to expedite their investigation so that my funds could be released ; however, at this point, I can no longer just sit by and hope and pray that Citibank will release my funds anymore ; my family is suffering and literally going without basic necessities of life and that is just absolutely too much to allow myself to sit by idle trying to be patient and hope that my funds will be release ; after all, I am only asking for what is rightfully mine and I do not feel like I should have to beg for what is mine nor should my children EVER spend one minute lacking for anything at Citibank 's hands. I feel like I will never forgive myself if don't exhaust every avenue that I can requesting help in getting a quick resolution to this matter, so please know that I desperately need your assistance with this matter and would sincerely and genuinely appreciate any assistance you can give. I know that there has to be at least one person somewhere in this world that actually cares enough not to give me some blanket response of \" 30-60 days '' and who will have mercy on my family and assist me in getting my funds released.\n\nI have documented each phone call and the details of those calls and can provide that information if and when needed. From XX/XX/2020 until today ( XX/XX/2020 ), I have contacted Citibank 17 times regarding this matter and have yet to receive any real information about this \" investigation '', what I can expect during this investigation period, or a supervisor 's contact information above the person I was speaking with who could assist me with expediting getting a check issued for my remaining funds in my accounts, or when I will receive my funds back. In fact, I have not received not one return phone call from anyone at Citibank during this period either, and I do not feel that asking for a return phone call is too much to ask for when every XXXX that I own is sitting in my Citibank accounts and Citibank has restricted my access to them. I do not have a local branch that I can just go into to seek assistance because the closest branch is over 3 hours away in XXXX, Florida ; in the past, I never had a need to go into a physical branch because their customer service had been so exceptional for all of my needs prior to this that I didn't have a need to go into a local branch. I will be more than glad to appear at the closest branch and will gladly drive 3 hours away if I could be guaranteed that I'd have access to my funds upon leaving there, but I'll be very honest with you and tell you that I do not have money to purchase gas to get there and back ; ALL of my funds are in my Citibank accounts and my situation is so dire that I can not afford gasoline to put in a vehicle to drive to the closest branch. As pitiful as I feel in saying that, it is true. PLEASE HELP ME!!! I feel so helpless and my family will not survive another 2-3 weeks without the basic necessities we need ; we will be in bankruptcy and lacking the bare necessities of life, so since I have been told that the review is completed and I will be issued a check for my remaining funds, can you please help me see who I can explain my situation to that will help me??? It's clearly obvious that issuing a check does not take 3 weeks, and since I have been patient thus far and have been understanding that Citibank personnel simply has a job to do and have cooperated fully with this situation, and primarily because the completed review indicates absolutely no fraud has occurred and that the funds in my accounts rightfully belong to me, there is no justifiable reason to continue to hold my funds as my children are going without medical care and food in our house. I am literally begging for your help and need it so very desperately to happen quickly. Thank you in advance for your assistance!!","date_sent_to_company":"2020-08-18T04:17:57.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"304XX","tags":null,"has_narrative":true,"complaint_id":"3801079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-08-18T04:06:43.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["I have literally BEGGED for a return phone call from someone at Citibank who could just tell me what is going on since I haven't received any written notice from the bank at all pertaining to my account, yet no one ever returns my call despite me being promised that someone will return my call in 2-4 hours, or within one hour, or within one business day - yet I still have not received a return call and I have literally BEGGED for one."]},"sort":[15.716115,"3801079"]},{"_index":"complaint-public-v1","_id":"3494755","_score":15.656958,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I went to a Bank of America ATM to make a deposit. Before I actually made a deposit. I withdrew {$500.00} and then {$300.00} from the machine using my XXXX XXXX XXXX ATM card. Once completed I proceeded to deposit {$600.00} of the {$800.00} into my Bank of America account. When I deposited the money into the other account, the machine jammed and the door for the deposit did not shut and the screen froze. I tapped the screen, the buttons on the machine and even tried to shut the door on the ATM. It finally shut, opened back, the screen then said all money wasnt deposited, it pushed out {$40.00}, sucked it back in. A message on the screen popped up and basically told me the machine was having issues and prompted me to enter the amount that I deposited and I enter red {$600.00} on the screen and the ATM gave me my receipt. When I took a look at my receipt it said ONLY {$300.00} was inserted into the machine. I then called customer service and was told that they will go ahead and deposit the money into my account and it will be accessible XX/XX/19. When the XXXX of XXXX came, I logged into my banking app and saw that I was locked out of my account. I called and they told me my account was being closed AND I would need to go ahead and head to the branch to withdraw any funds that was in there. I went to the bank on the XXXX. I was told the funds was still pending, the banker told me to come back in the morning it should be cleared. I went back to the bank on the XXXX and was told my money was still not available for pick up and was told to speak to the Risk and Fraud department. I understand procedures and regulations but this bank customer service is completely unprofessional and incompetent. I called them XX/XX/XXXX until XX/XX/XXXX for the exception of XXXX and XXXX. Literally every phone call I had with the phone agents and supervisors I was told a different story every single time. If you can see on the dates this was around the holidays and the first of the month which means bills needed to be paid. Thank god i had other sources of income. This bank is disgusting they closed my bank account as well as my husband and I joint account. In addition to that when I spoke with some agents their blatantly telling me I did not deposit any money into the machine based on their findings. Lets be clear I completely understand that this is the day and age of Scammers but I highly doubt someone is going to scam their own account and deposit cash into the machine, on camera and then call everyday to be aggravated over {$600.00} especially if it wasnt their money to begin with. They handled me like a criminal, I get treat all clients and customers the same but my goodness. Now on XX/XX/XXXX I called BOA yet again. I was told nothing beneficial and the opposite of what I was been told. I asked to speak to a supervisor and was told she would put in a request for me to pick up my money. She told me to call the next day in the afternoon. I call the XX/XX/XXXX in the afternoon. And yet again had to request to speak to yet another supervisor. I was told the process takes up to 1-3 business days. So Im annoyed yet again because why am I constantly hearing a new story every time I call. Im told the account would be officially closed and I should have an answer to my request on the XXXX. So I call back XXXX, XX/XX/XXXX and I am told my account wasnt closed like I was told. In addition to that they told me the policy had changed and the request to release funds takes up to 3-5 business days and for me to call back. So I said to them SHOULD I JUST CALL BACK XXXX, and the agent responded and said No maam, call back tomorrow the XXXX of XXXX we should definitely have an answer then. On XX/XX/XXXX I called back yet again and was told their unsure as to why I was told this I wont have an answer until Monday. I am BEYOND PISSED OFF. Now today XXXX XX/XX/XXXX I called and was told that they saw no answer in the system and I asked to speak to a supervisor and he informed me that 1. My account is not closed yet. \nI asked him why and provided him the dates I was told my account would be closed and he said that BOA is subject to change dates so he doesnt know why anyone told me a set date in stone. \n2. He informed me that based on my account the request for me to pick up my money in the bank was never happening. \nSo I asked why would they tell me all of this to have me to constantly call this place for no reason. Now I have to wait until whenever they close my account to receive my money.","date_sent_to_company":"2020-01-13T19:43:03.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11233","tags":null,"has_narrative":true,"complaint_id":"3494755","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-01-13T19:34:06.000Z","state":"NY","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":["I called them XX/XX/XXXX until XX/XX/XXXX for the exception of XXXX and XXXX. Literally every phone call I had with the phone agents and supervisors I was told a different story every single time. If you can see on the dates this was around the holidays and the first of the month which means bills needed to be paid. Thank god i had other sources of income. This bank is disgusting they closed my bank account as well as my husband and I joint account."]},"sort":[15.656958,"3494755"]},{"_index":"complaint-public-v1","_id":"5651955","_score":15.451562,"_source":{"product":"Mortgage","complaint_what_happened":"There are two reasons for this complaint, one of them being that my house was sold in an illegal sale when we were protected by the FEDERAL automatic stay.. Second PHH purposely sabotaged my loan modification.My house was approved for a loan modification in XXXX. Please see attached records of each and every time I called PHH When I called in on XX/XX/XXXX I wanted to make sure PHH had all my correct information such as phone numbers and emails. I was advised I had {$150.00} credit. On XX/XX/XXXX I talked to agent XXXX XXXX and i was told again I have {$150.00} credit. I asked how, she didnt know, would put it in request to find out, but I was told to pay {$610.00} for my month of XXXX loan modification. On XX/XX/XXXX I called again to confirm the {$150.00} credit again I talked to my single point of contact agent XXXX XXXX, she confirmed again to make the trial payment minus the XXXX credit so I did! Please see attached proof of payment! \nXX/XX/XXXX I made my appointment for pH H to confirm that they received my payment they said they did not. I called back with the tracking number XXXX they told me it was there. \nXX/XX/XXXX I called again to confirm the payment was accepted.It was. \nXXXX called to confirm payment for XXXX was to be XXXX. I spoke to XXXX XXXX XXXXpayment received was advised that after the XXXX payment they would send out the modification finalized. \nXX/XX/XXXX I received a letter I was denied for failing to make payments within the timeframe. \nWas I never advised that the payment was incorrect? How can you guys set me up for failure like this. Why was I told the first payment was the correct payment amount when it was not! I was given bad info that has cost me my home!!!!??? \nI was never advise that the payment was incorrect. Ive been trying to rectify the situation with no help. I had no choice but to file for bankruptcy. You guys still sold my house. \nOn XX/XX/XXXX I called the floor closing attorney XXXX and they said the sale date was canceled due to XXXX. \nOn XXXX I called back to see what was going on as PHH now is saying my home sold!!! I was trying to get info on my modification situation but they did nothing but run me in circles. \nXXXX The girl at the law office XXXX said the home was sold. I asked how after they told me the sale was canceled on the XXXX! She said that they are waiting for instructions from phh, but that the home will be rescinded. Regardless, I left a message for the attorney to call me back he never did!!!!!.. At this point its been made very clear that PHH wants my house. Ive been trying to get through for help and have been speaking with a supervisor by the name of XXXX XXXX. His direct phone number is XXXX. He stated that he would assist me on this recession matter. \nYesterday XXXX he called me to say that the decision is final and the house is being filed. He told me to call the attorney directly because he cant do anything else at this time. He said to ask for XXXX or XXXX. By the time I finally got someone to help me it is now too late! \nWhy for all these weeks has anybody refused to answer any questions about how my household was when I called literally the next day and you guys told me it was canceled due to the bankruptcy you guys were very well made aware that a bankruptcy was filed. \nMy bk was filed XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! \nXXXX I called the attorney 's office XXXX a number of times and the staff terminated the calls on me. I called back and spoke to XXXX who said XXXX is the only XXXX attorney there and he is the only one who can help. Phh is refusing to speak to me as they are saying nothing but XXXX. The only one who did anything for me there was XXXX. The attorney have never returned my call nor attempted to explain to me what is going on. I will be filing a complaint with the state bar. \nI am demanding that all my documents be reviewed, all calls replayed as they are monitored, my home back, and my modification back! IT IS ILLEGAL WHAT YOU HAVE DONE TO ME!!!","date_sent_to_company":"2022-06-09T21:15:23.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"53027","tags":null,"has_narrative":true,"complaint_id":"5651955","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2022-06-09T21:09:30.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["He told me to call the attorney directly because he cant do anything else at this time. He said to ask for XXXX or XXXX. By the time I finally got someone to help me it is now too late! \nWhy for all these weeks has anybody refused to answer any questions about how my household was when I called literally the next day and you guys told me it was canceled due to the bankruptcy you guys were very well made aware that a bankruptcy was filed. \nMy bk was filed XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!"]},"sort":[15.451562,"5651955"]},{"_index":"complaint-public-v1","_id":"17044644","_score":15.176506,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hello. Ive already previously submitted complaints regarding the fact that XXXX and Equifax keep denying me of adding a paid off car loan to my XXXX credit report as well as my Equifax credit report. All that has been said to me by XXXX and Equifax regarding my attempts of getting this paid off auto loan to my credit files is the song and dance about Well if the lender doesnt report it to us then it doesnt get added to the credit file, YOU must contact the lender and ask them to report this loan to us, lenders may report to only one credit bureau so with this its YOUR duty to look out for any discrepancies. Prior to me receiving this auto loan back on XX/XX/XXXX, the car dealer stated that I was approved for financing however I must speak with the bank/lender over the phone. The dealer called the bank, which is called XXXX XXXX XXXX XXXX, and I spoke with them. During this phone call I was informed by XXXX XXXX XXXX We will report this auto loan and your monthly payments to the credit BUREAUS. They stated bureaus. NOT bureau. This auto loan began XX/XX/XXXX. This was a 30 months auto loan. The loan was fully paid off as of XX/XX/XXXX. After fully paying off this auto loan I discovered that the lender, XXXX XXXX XXXX XXXX, they did NOT report this auto loan nor any payments to any of the credit bureaus. I reached out to XXXX XXXX XXXX over the phone regarding this situation and within one months time the auto loan was finally showing on ONE credit report which was XXXX. This loan has been paid off for almost 3 years yet it still does NOT show on my XXXX credit report nor with Equifax. I have attempted NUMEROUS times to have this corrected because this paid off auto loan would seriously help boost my credit so its infuriating the way XXXX and EQ continue to deny me of adding this paid off loan to my credit file. I have shown ALL my documents proving that I did indeed have this loan, that I did indeed pay off this auto loan in full and XXXX and EQ still continue to deny me of adding this to my credit file and its at the point now where I am fuming angry over this situation because it is NOT fair for these credit bureaus to adamantly keep denying me of adding a paid off auto loan to my file when they KNOW this would boost my credit. This is absolutely terrible how I continue to be denied of MY RIGHTS to add this to my credit file. Ive again reached out to the bank, XXXX XXXX XXXX XXXX and asked them for help with this and the bank is NOT willing to help me with this stating We only report to ONE credit bureau, XXXX. I even stated that if this is regarding fees, that fees are required to report this paid off loan to XXXX and EQ, then Id happily pay those fees myself just so that I can finally receive the credit Im due for this paid off auto loan but I was again told We report to one bureau. You would think that after all this time this paid off loan wouldve made it to XXXX and EQ, were talking about a loan paid off almost 3 years ago, yet it has NOT. Ive done literally everything I could possibly do to get XXXX and EQ to reflect this fully paid off auto loan on my credit reports and nothing has worked thus far. This paid off auto loan would boost my FICO auto score rating, it would boost my payment history because it would add 30 months to my payment history. This paid off auto loan would seriously help my credit ALOT so its terribly infuriating how XXXX and EQ keep denying me of my RIGHT to add this to my credit file. Ive submitted previous complaints to CFPB regarding this situation and XXXX and EQ have still NOT added this loan to my credit file. I am seriously at my whits end at this point and I desperately need assistance getting this paid off auto loan added to ALL my credit files once and for all. I desperately need help with this .. I have gone as far as submitting a document as proof to XXXX and EQ, proving that this fully paid off auto loan is reflected on my XXXX credit report and XXXX and EQ have still not added this to my credit file. Its terribly UNFAIR for these 2 credit bureaus to give a consumer such an incredibly difficult time over adding a paid off auto loan to their very own credit file. This is absurd. Im just wanting to finally get the credit Im due for paying this auto loan in full back in XX/XX/XXXX. I just cant understand why XXXX and EQ keep denying me of this right but all I do know is that its about time that I finally receive the credit that Im due. This is extremely infuriating to me, especially when for 30 months EVERY single car payment was made on time and NEVER late. Theres SOO many different ways in which this paid off auto loan would boost my credit so its maddening that XXXX and EQ keep denying me of adding it to my credit file. Again, the name of the lender/bank is XXXX XXXX XXXX XXXX XXXX they are based in New York and my account number with XXXX is XXXX. Someone PLEASE HELP ME","date_sent_to_company":"2025-11-05T16:24:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"027XX","tags":null,"has_narrative":true,"complaint_id":"17044644","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-05T16:24:10.000Z","state":"MA","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["This is extremely infuriating to me, especially when for 30 months EVERY single car payment was made on time and NEVER late. Theres SOO many different ways in which this paid off auto loan would boost my credit so its maddening that XXXX and EQ keep denying me of adding it to my credit file. Again, the name of the lender/bank is XXXX XXXX XXXX XXXX XXXX they are based in New York and my account number with XXXX is XXXX. Someone PLEASE HELP ME"]},"sort":[15.176506,"17044644"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":58,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":58}]}},"product":{"doc_count":58,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":14},{"key":"Other banking product or service","doc_count":3}]}},{"key":"Mortgage","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":4},{"key":"FHA mortgage","doc_count":2},{"key":"Reverse mortgage","doc_count":2},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1}]}},{"key":"Credit card or prepaid 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