{"took":507,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":145,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2035687","_score":25.968544,"_source":{"product":"Bank account or service","complaint_what_happened":"I have a checking and savings account with Bank Of America, my complaint is that every month they charge fees for every transaction I make when managing my bank account. I should be allowed to transfer money between my checking and savings at anytime I wish. The money typically stays within these accounts but having to worry about getting a fee for transferring my money from my checking account into my savings on a daily basis is outrageous","date_sent_to_company":"2016-07-28T15:46:16.000Z","issue":"Account opening, closing, or management","sub_product":"Other bank product/service","zip_code":"142XX","tags":null,"has_narrative":true,"complaint_id":"2035687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-07-28T15:46:15.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I have a <em>checking</em> and <em>savings</em> <em>account</em> with Bank Of America, my <em>complaint</em> is that every month they charge fees for every transaction I make when <em>managing</em> my bank <em>account</em>. I should be allowed to transfer money between my <em>checking</em> and <em>savings</em> at anytime I wish. The money typically stays within these <em>accounts</em> but having to worry <em>about</em> getting a fee for transferring my money from my <em>checking</em> <em>account</em> into my <em>savings</em> on a daily basis is outrageous"],"product":["Bank <em>account</em> or service"],"issue":["<em>Account</em> opening, closing, or management"]},"sort":[25.968544,"2035687"]},{"_index":"complaint-public-v1","_id":"3247042","_score":24.361372,"_source":{"product":"Checking or savings account","complaint_what_happened":"Please reference my prior complaint about my BofA checking/savings accounts : Summary of your complaint Complaint number : XXXX-XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Checking or savings account Issue : Managing an account BofA properly closed my checking account after the prior complaint, but it has inexplicably kept my savings account open and has begun to charge me $ XXXX/month maintenance fees. In XX/XX/2018, when I filed the prior complaint, I had {$15.00} in the savings account. However, due to BofAs improper failure to close my savings account and in the meantime charge me $ 5 monthly fees, the current balance is now - {$10.00}. This is entirely due to BofAs fees. \n\nI was very clear in my last complaint that given BofAs unfair, opaque, and predatory consumer banking policies, I no longer want to be a BofA customer. Why did they close my checking account but not my savings account? This appears to be an attempt to continue to generate fees from me when my savings account should have been closed long ago, and is once again evidence of BofAs pernicious and opaque practices that act to the detriment of the everyday consumer.","date_sent_to_company":"2019-05-19T12:23:37.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"200XX","tags":null,"has_narrative":true,"complaint_id":"3247042","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-05-19T12:04:02.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["Please reference my prior <em>complaint</em> <em>about</em> my BofA <em>checking</em>/<em>savings</em> <em>accounts</em> : Summary of your <em>complaint</em> <em>Complaint</em> number : XXXX-XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : <em>Checking</em> or <em>savings</em> <em>account</em> Issue : <em>Managing</em> an <em>account</em> BofA properly closed my <em>checking</em> <em>account</em> after the prior <em>complaint</em>, but it has inexplicably kept my <em>savings</em> <em>account</em> open and has begun to charge me $ XXXX/month maintenance fees."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Managing</em> an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"]},"sort":[24.361372,"3247042"]},{"_index":"complaint-public-v1","_id":"14407579","_score":22.944605,"_source":{"product":"Checking or savings account","complaint_what_happened":"The fraud has been extensive in both checking and savings accounts. \n1. Citizensbank has assigned XXXX XXXX XXXX XXXX to manage our accounts since XX/XX/XXXX. We just came to know about this during our calls with customer agent when I called on XX/XX/XXXX ( Monday ) to report stolen card and order new card. We did not request a XXXX XXXX and we were not informed about XXXX XXXX assigned to manage our accounts. \nXXXX. Our accounts were changed from \" Wealth Management '' to \" Private '' client without our knowledge. There has been extensive frauds in the both the checking and savings account. \nXXXX. We have XXXX  XXXX XXXX credit card. The credit card limit was extended in the same timeframe to {$18000.00} without our knowledge or consent. The XXXX and Citizensbank have automatic payment set up. The frauds have happened in XXXX  and amounts have been transferred from Citizens to XXXX. XXXX  Complaint # : XXXX Money have been directly debited from Citizens bank XXXX during this timeframe extensively. \nXXXX. The checking and savings account are joint account of myself and my husband. So we will always have the debit card with the same number all throughout the years. But now, the debit cards sent were of different numbers. This is against what is normal. Is this done to avoid showing debits happening in the cards during login as different debit card numbers can be shown to be associated with different logins. From the very beginning the cards were associated with joint checking and savings accounts. I have already complained about identity theft, financial, medical theft, phrogging, health related issues happening to us. This needs immediate attention. THIS COMPLAINT SHOULD BE OPENED AGAIN. \nThe previous complaint # created was closed without proper explanation or credible action by Citizens Bank. \nOld Complaint that was closed # : XXXX XXXX. We are locked out of our accounts. Our passwords doesn't work when we try to access our accounts. \nThe XXXX  or any payment transaction we initiate fail to go through. We are prevented from accessing our own accounts.","date_sent_to_company":"2025-07-02T04:47:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"03062","tags":null,"has_narrative":true,"complaint_id":"14407579","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2025-07-02T04:28:05.000Z","state":"NH","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The fraud has been extensive in both <em>checking</em> and <em>savings</em> <em>accounts</em>. \n1. Citizensbank has assigned XXXX XXXX XXXX XXXX to <em>manage</em> our <em>accounts</em> since XX/XX/XXXX. We just came to know <em>about</em> this during our calls with customer agent when I called on XX/XX/XXXX ( Monday ) to report stolen card and order new card. We did not request a XXXX XXXX and we were not informed <em>about</em> XXXX XXXX assigned to <em>manage</em> our <em>accounts</em>. \nXXXX."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Managing</em> an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[22.944605,"14407579"]},{"_index":"complaint-public-v1","_id":"12242015","_score":20.100523,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am failing a complaint against JPMorgan Chase bank for failing to release my funds after my account was closed. I received an email saying that my account was going to close, and it closed on XX/XX/year>. I was told that my remaining balance would be sent to me via cashiers check by XXXX XXXX XXXX no later than that, but I did not receive the check by those dates. I called chase multiple times to follow up. On my second call, I was told the check would arrive by XX/XX/year>, but once again I did not receive anything by that date. On my most recent call, I was told that my funds are now on hold. Additionally, I received a letter about my savings account stating that a check would be issued. However, I have not received the check for my savings account balance either. By law, chase can not hold my funds indefinitely and is required to send me any remains balance within 10 business days of account closure. As of today, it has been well beyond this timeframe. This delay is causing serious financial hardship as the funds include my financial aid, which I urgently need for school and living expenses, but it has also taken a significant toll on my mental health. The uncertainty and lack of communication have caused me XXXX XXXX  and XXXX XXXX making it extremely difficult to manage my daily life.","date_sent_to_company":"2025-02-28T22:10:52.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"90221","tags":null,"has_narrative":true,"complaint_id":"12242015","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-02-28T21:48:50.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["On my second call, I was told the <em>check</em> would arrive by XX/XX/year>, but once again I did not receive anything by that date. On my most recent call, I was told that my funds are now on hold. Additionally, I received a letter <em>about</em> my <em>savings</em> <em>account</em> stating that a <em>check</em> would be issued. However, I have not received the <em>check</em> for my <em>savings</em> <em>account</em> balance either."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["Funds not received from closed <em>account</em>"]},"sort":[20.100523,"12242015"]},{"_index":"complaint-public-v1","_id":"21230168","_score":19.77767,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint : I am submitting this complaint on behalf of a senior family member regarding long-term maintenance fees charged by Bank of America .\n\n-Recently closed checking and savings account -Only active account is ending in XXXX XXXX due to rental income We recently discovered that over approximately XXXX years, more than {$5000.00} in account maintenance fees were charged across several accounts. The customer is elderly and was not aware of how these recurring fees worked or how they could be avoided. \n\nImmediately upon discovering the extent of these charges by his daughter, we made the decision to close both the checking and savings accounts due to loss of trust and concern over how the account had been managed over time. \n\nBank of America has stated that they will only provide documentation for the past XXXX years without a court order. However, even based on preliminary information and discussions with the bank, there appears to be a consistent pattern of recurring maintenance fees. \n\nKey concerns : The customer did not have a clear understanding of how to avoid these fees The fees accumulated over a long period without meaningful intervention or adjustment of the account The customers age raises concerns about whether the fee structure and account terms were effectively understood While the bank has stated they do not proactively guide customers to avoid fees or move them into more appropriate accounts, the outcome is that a senior customer incurred substantial recurring charges over an extended period.","date_sent_to_company":"2026-04-14T17:20:18.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"94501","tags":null,"has_narrative":true,"complaint_id":"21230168","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-14T17:10:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["<em>Complaint</em> : I am submitting this <em>complaint</em> on behalf of a senior family member regarding long-term maintenance fees charged by Bank of America .\n\n-Recently closed <em>checking</em> and <em>savings</em> <em>account</em> -Only active <em>account</em> is ending in XXXX XXXX due to rental income We recently discovered that over approximately XXXX years, more than {$5000.00} in <em>account</em> maintenance fees were charged across several <em>accounts</em>."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[19.77767,"21230168"]},{"_index":"complaint-public-v1","_id":"8445987","_score":19.740492,"_source":{"product":"Checking or savings account","complaint_what_happened":"I previously sent an inquiry about Chase Bank and some issues with my accounts with them although I had banked with them for 25 years. They summarily closed my all accounts and kept all of the funds I had ( about {$8000.00} ) without any notice or explanation. Below is the response which does not explain anything. But Chase Bank kept my money. \n\nReview the companys response to your complaint. \n\nThe company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. \n\nThank you for participating in our complaint process. This complaint is now closed. \n\nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/2024 PRODUCT Checking or savings account ISSUE Managing an account To this day I keep receiving emails about \" transactions '' regarding accounts that have been closed. Attached hereto is an example. May I please has some answers to my questions? What is going on with my \" closed ' account, my Professional Account under \" XXXX '', the funds that were in these accounts and these emails I continue to receive??","date_sent_to_company":"2024-02-29T18:44:57.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"79902","tags":null,"has_narrative":true,"complaint_id":"8445987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-02-29T18:30:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Thank you for participating in our <em>complaint</em> process. This <em>complaint</em> is now closed. \n\n<em>COMPLAINT</em> ID XXXX SUBMITTED ON XX/XX/2024 PRODUCT <em>Checking</em> or <em>savings</em> <em>account</em> ISSUE <em>Managing</em> an <em>account</em> To this day I keep receiving emails <em>about</em> \" transactions '' regarding <em>accounts</em> that have been closed. Attached hereto is an example. May I please has some answers to my questions?"],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Managing</em> an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[19.740492,"8445987"]},{"_index":"complaint-public-v1","_id":"7410722","_score":19.401625,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Sir/Madam, I am writing to file a complaint against Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX regarding a transaction issue I have been experiencing. \n\nIn XXXX, I opened both a checking and savings account with XXXX XXXX. I initiated two transfers of {$500.00} each, one from my XXXX account to the new XXXX XXXX checking account and the other from my Apple Saving account ( managed by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch ) to the XXXXXXXX XXXX saving account. Not long after, XXXXXXXX XXXX terminated both of my new accounts. While I received a refund notification for the checking account, and indeed the {$500.00} was returned to my XXXX account, the same can not be said for the {$500.00} from my savings account. \n\nI promptly visited a local branch of XXXX XXXX to inquire about the missing funds. The bank personnel informed me that the money had been withdrawn from XXXX XXXX  and should now be in Goldman Sachs Bank. Acting on this advice, I contacted Goldman Sachs, where I was told to wait several more days for the funds to reflect in my Apple Saving account. However, after waiting for over 14 business days, the funds have yet to appear in my account. \n\nThis situation has caused me considerable stress and inconvenience, and I have undertaken due diligence in liaising with both banks to no avail. As a consumer, I trust financial institutions to manage transactions efficiently and transparently. In this instance, there appears to be a discrepancy that neither institution is willing or able to rectify. \n\nI kindly request the CFPB 's intervention in mediating this matter to ensure a fair and timely resolution. Attached, please find relevant documentation, including transaction records, email communications, and notes from my interactions with both banks. \n\nThank you for your attention to this matter. I look forward to a positive resolution and appreciate the CFPB 's assistance in this regard. \n\nSincerely","date_sent_to_company":"2023-08-17T00:29:48.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"08854","tags":null,"has_narrative":true,"complaint_id":"7410722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2023-08-17T00:03:01.000Z","state":"NJ","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Dear Sir/Madam, I am writing to file a <em>complaint</em> against Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX regarding a transaction issue I have been experiencing. \n\nIn XXXX, I opened both a <em>checking</em> and <em>savings</em> <em>account</em> with XXXX XXXX. I initiated two transfers of {$500.00} each, one from my XXXX <em>account</em> to the new XXXX XXXX <em>checking</em> <em>account</em> and the other from my Apple Saving <em>account</em> ( <em>managed</em> by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch ) to the XXXXXXXX XXXX saving <em>account</em>."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"],"sub_issue":["Funds not received from closed <em>account</em>"]},"sort":[19.401625,"7410722"]},{"_index":"complaint-public-v1","_id":"2686649","_score":18.594656,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear sir or madam, Summary : I have been with Schwab for 5 over years, but they gave me less than a month to transfer my retirement, brokerage, checking, and savings accounts before they close them and mail me check triggering unwanted early withdrawals and taxes.\nDetails : I am US citizen residing in North Carolina. Currently, I am overseas on a long-term work assignment. Earlier this month XXXX XXXXXXXX XXXX XXXX  sent a letter to me informing that they were closing all my accounts including Roth IRA, Regular Brokerage, Checking, and Savings by XXXX XXXX. Thus, the notice was mailed less than a month in advance. I did n't receive it until XXXX XXXX because I am overseas. I did not receive any other notifications from Schwab regarding this even though I am subscribed to receive e-mail notifications and all my statements only electronically. Additionally, I have Schwab mobile app installed on my cell phone. Their mobile app notifies me of most actions on my account, but I received no notification about these account closings.\nGiven the short time I had left, I started looking for other brokerage and bank firms to manage my Roth IRA, brokerage, and bank account assets in order to transfer them from Schwab as soon as possible. By the end of the XXXX of XXXX, I managed to initiate the transfer of my Roth IRA and found where to transfer my assets from my other Schwab accounts.\nOne problem was that my North Carolina state tax refund was still processing. NC department of revenue needed about 4 more weeks to finalize and deposit my refund. The refund amount is almost {$2000.00}. Mailing the check is not a good option for me because I am overseas without a permanent address. I called Schwab, explained the situation, and asked if they could keep my checking account open for 4 more weeks. I spoke with 2 different representatives. Both said they could not do it.\nWhen I logged on to my Schwab account on XXXX XXXX, my accounts were restricted. Even though the letter from XXXX said that I could transfer my assets until XXXX/XXXX/XXXX that was not the case. I could not transfer my balance ( over {$10000.00} USD XXXX to my linked account with another institution. \n\nSincerely, XXXX XXXX XXXX. \nA copy of the body of Schwab 's letter is attached to this complaint. I have the original if required.","date_sent_to_company":"2017-09-27T20:37:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"27606","tags":null,"has_narrative":true,"complaint_id":"2686649","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHARLES SCHWAB CORPORATION, THE","date_received":"2017-09-27T20:24:15.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Their mobile app notifies me of most actions on my <em>account</em>, but I received no notification <em>about</em> these <em>account</em> closings.\nGiven the short time I had left, I started looking for other brokerage and bank firms to <em>manage</em> my Roth IRA, brokerage, and bank <em>account</em> assets in order to transfer them from Schwab as soon as possible. By the end of the XXXX of XXXX, I <em>managed</em> to initiate the transfer of my Roth IRA and found where to transfer my assets from my other Schwab <em>accounts</em>."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Managing</em> an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[18.594656,"2686649"]},{"_index":"complaint-public-v1","_id":"16884594","_score":18.485273,"_source":{"product":"Checking or savings account","complaint_what_happened":"What happened : Im filing this complaint because Navy Federal Credit Union has refused to allow me to open a checking account, even though Im an existing member in good standing. \n\nOn XX/XX/year>, I sent a formal appeal letter to Navy Federals Membership Services explaining my situation and requesting reconsideration. I never received any response or follow-up. \n\nAbout XXXX years ago, when I was a teenager, I had limited access to my late grandmothers Navy Federal account to help her with online banking, as she wasnt comfortable with technology. I now understand that was against policy, but there was no malicious intent I was only trying to assist her. When given the option, I chose to have my access restricted rather than have her account closed out of respect for her long-standing membership. \n\nToday, XXXX XXXX XXXX XXXX, a mother, and a young professional working in a military-affiliated contract role. I still have a savings account in good standing with Navy Federal and am simply trying to open a checking account to manage my finances responsibly.\n\nDespite reaching out respectfully and explaining my circumstances, Navy Federal has not responded or provided any explanation for their continued refusal. I am filing this complaint to request that the CFPB help facilitate a response and fair reconsideration of my membership and checking account request.","date_sent_to_company":"2025-10-29T05:22:59.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"20721","tags":null,"has_narrative":true,"complaint_id":"16884594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-10-29T05:19:01.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I still have a <em>savings</em> <em>account</em> in good standing with Navy Federal and am simply trying to open a <em>checking</em> <em>account</em> to <em>manage</em> my finances responsibly.\n\nDespite reaching out respectfully and explaining my circumstances, Navy Federal has not responded or provided any explanation for their continued refusal. I am filing this <em>complaint</em> to request that the CFPB help facilitate a response and fair reconsideration of my membership and <em>checking</em> <em>account</em> request."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["Unable to open an <em>account</em>"]},"sort":[18.485273,"16884594"]},{"_index":"complaint-public-v1","_id":"2933050","_score":18.44384,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Saturday, XX/XX/2018, I went Chase Bank on XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX to open a savings account. My sister was also with me and wanted to open a checking account. We decided for time sake, that I would only open my savings account. I am a current Chase customer with a checking account, with direct deposits from my job. We signed in at XXXX XXXX After 10 minutes, the branch manager instructed one of the bankers to help us. I do not remember the bankers name. As we were sitting down in the bankers cubicle, the branch manager walked in and introduced herself as the branch manage named XXXX. She stated that she would observe the banker to ensure he did everything correctly and to make sure I got what I needed. She sat in the corner of the cubicle and watched me and my sister. The banker asked me a long series of questions including if I was a United States citizen. He explained the various savings account options and federal regulations. I signed the paperwork work electronically, he provided me with a temporary debit card, and transferred funds from my checking account to my newly opened savings account. The banker left the cubicle briefly and while he was gone, the branch manager XXXX asked me if I had any questions about the federal regulations and I stated no. Upon his return from the printer, the banker reviewed the hard copy documents that I had signed electronically and placed them in my folder. He assured me that I would be receiving my new debit card in the mail. As I and my sister were standing up to leave, XXXX, the branch manager stated that they will need to run a credit check to determine if they can open the account. I was shocked and dismayed. I stated that I already have a checking account and this should have been disclosed on the front end. I asked if this is a hard or soft inquiry because I am in the process of seeking a mortgage loan. XXXX, the branch manager stated that it was a soft inquiry, but an inquiry all the same. I told her that do want or need any more inquiries, which is my I declined the Chase credit card. She stated we can run your credit or we can close-out the account. I looked at her, stood-up, and walked out the bank. I was so angry, I was in tears. When I checked my online banking app, the saving account was already open and {$500.00} had been transferred from my checking account to the new savings account, ( I have screenshots ). In addition, I had received a confirmation email that my new debit card was on the way. When XXXX, the bank manager stated that she needed to run my credit, the new savings account was already open. When I refused to have my credit ran, she closed the savings account. I called Chase customer service and spoke to XXXX, supervisor. He stated that he had never heard of a branch manager running someones credit to open a savings account, and specifically for someone who was already a customer with a checking account. He advised me to open a savings account account online and never go back to that Chase branch. Later that day, I called Chase customer service again to inquire about the original complaint. I spoke with XXXX, supervisor. He could not believe what the branch manager had done. I told him that I was profiled. He assured me that the incident would be investigated and that I would receive a follow-up call in 2-3 business days.","date_sent_to_company":"2018-06-11T15:00:06.000Z","issue":"Opening an account","sub_product":"Savings account","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"2933050","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-06-11T14:01:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["He advised me to open a <em>savings</em> <em>account</em> <em>account</em> online and never go back to that Chase branch. Later that day, I called Chase customer service again to inquire <em>about</em> the original <em>complaint</em>. I spoke with XXXX, supervisor. He could not believe what the branch manager had done. I told him that I was profiled. He assured me that the incident would be investigated and that I would receive a follow-up call in 2-3 business days."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"],"sub_issue":["Unable to open an <em>account</em>"]},"sort":[18.44384,"2933050"]},{"_index":"complaint-public-v1","_id":"11754694","_score":18.08377,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Fraudulent checks written in the amount of {$26000.00} Company : US BANK I do not have an online account with US Bank. And I have never set up online banking with any company. The fraudulent check writing that took place on my account should have been prevented by US Banks protocols and procedures. I am XXXX XXXX XXXX and have never been very good at record keeping. Ive heard of a term in the financial world known as XXXX XXXX for people like me that have a very difficult time managing their finances. The loss of this money will cause great financial hardship. \n\nI have banked at my local neighborhood bank my entire life. Up until XX/XX/XXXX, my local bank was owned and operated by Union Bank. About this same time I set up a savings account for my monthly Social Security Checks. In mid XXXX, I received a letter from XXXX stating that my information might have been compromised. Because of this, I decided that I should change the savings account number where my Social Security Checks are deposited. I made this change in late XXXX. \n\nOn XX/XX/XXXX, I arrived at my local US Bank to make a withdrawal from the savings account I set up for my Social Security checks. According to my record keeping there should have been about {$27000.00} dollars in the account. I was told that the account had virtually no money in it. The Client Relationship Consultant assisted me in determining what had happened to my money. We could easily see that all of my money had been withdrawn fraudulently. He then helped me fill out a Report of Alleged Unauthorized Activity-Customer Statement. In addition, I filled out a separate Affidavit of Unauthorized Paper Debit for each fraudulent withdrawal. We then filed a report with the FBI. He assured me that US Bank would refund my money. \n\nThe fraudulent checks were amateurish and childlike. They were easily recognizable as fabricated checks. My signature was either typed or written inaccurately. \nHere are some examples using XXXX XXXX  Typed first name only and in script : XXXX  Typed last name followed by first name with no space XXXX  3. Unreadable scribble On XX/XX/XXXX, the official response from US Bank was stated as follows : US Bank has completed the investigation of your check claim on the above account. We regret to inform you that it has been denied for the following reason ( s ) : Customer Duty to Examine Statement - 30 Days. It seems suspicious to me that the fraud took place after I received the XXXX letter and changed my account number. \n\nA few weeks after filing my official complaint with US Bank, I had two very lengthy discussions about one week apart with US Banks National Fraud Department. I shared all of the information that Ive stated here. They were professional and empathetic. They both said that they would pass along my information with the Complaint Department that processes the claims. They both said they would facilitate the US Bank Complaint Department getting back to me. I havent heard back via mail, email or phone call. \n\n{$9700.00} has been recovered and redeposited in my new savings account. Between XX/XX/XXXX and XX/XX/XXXX, I received three letters from US Bank Deposit Claims Services informing me that although my claim was not found in my favor, US Bank is pleased to inform you that it has recovered {$2000.00}, {$3000.00} and {$4700.00} of the funds from the financial institutions where the funds were deposited. The total funds returned : {$9700.00}.","date_sent_to_company":"2025-01-21T21:51:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92120","tags":"Older American","has_narrative":true,"complaint_id":"11754694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2025-01-21T21:12:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Because of this, I decided that I should change the <em>savings</em> <em>account</em> number where my Social Security <em>Checks</em> are deposited. I made this change in late XXXX. \n\nOn XX/XX/XXXX, I arrived at my local US Bank to make a withdrawal from the <em>savings</em> <em>account</em> I set up for my Social Security <em>checks</em>. According to my record keeping there should have been <em>about</em> {$27000.00} dollars in the <em>account</em>. I was told that the <em>account</em> had virtually no money in it."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Managing</em> an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[18.08377,"11754694"]},{"_index":"complaint-public-v1","_id":"3183249","_score":17.783476,"_source":{"product":"Checking or savings account","complaint_what_happened":"The weekend of XX/XX/XXXX I was out shopping. I checked my citizens bank mobile app to make sure funds were available and it showed me that it was. So I made a few more purchases since I saw money was available to me. I randomly checked my mobile app on XX/XX/XXXX and it said my checking account was negative {$330.00} plus dollars. My savings account had {$340.00} in it. I called Citizens customer service number spoke to a representative then spoke with a supervisor named XXXX who is located in PA. Both the representative, XXXX and I agreed that I wasn't enrolled in the transfer savings to checking overdraft. XXXX said over the weekend the bank had a glitch and let transactions go through that it shouldn't of. She stated several times it was a bank error even though my account was set up to decline transactions if I had no funds. She tried to use an excuse about pre-authorized debits but as she saw and I explained that wouldn't apply because I haven't had one since late XXXX. Then she tried to say well you should manage your account so you don't over spend I told her I used the app prior to even shopping. XXXX 's response was that the mobile app isn't 100 % accurate. I have no contract/agreement with Citizens Bank stating that this app isn't accurate or the percentage of accuracy of the app. XXXX stated since its the banks fault they wouldn't charge me an overdraft fee as if it was a favor when its the banks error to begin with. If the bank cant properly manage my money what do I need you for is what I asked her and she didn't have a response. Anytime I have used my card and checked the app directly after a purchase it shows immediately in that app. This was the first time this has ever happened. I asked to speak with someone above XXXX she said there is noone and said she was submitted a complaint to the chairmen board. XXXX said the board would contact me in 1-3 business days this conversation happened on XX/XX/XXXX. Noone contacted me. So today XX/XX/XXXX I called and spoke with manager XXXX who is located in Rhode Island and her extension is XXXX. I called today because on the same day I called XX/XX/XXXX XXXX Bank transferred the money I had in my savings into my checking and then charged me a {$12.00} savings overdraft transfer fee. This was done with out my permission. when I spoke with XXXX I told her this. XXXX stated that I have the savings to checking overdraft plan. I told her that was untrue and the XXXX people that I prior spoke with agreed that I didn't have that plan because if I did for one they wouldn't of charged me {$12.00} ( I know this because I had this plan a few years ago. I cancelled it in XXXX but every year i have this same issue with them. I would call once a year to complain and tell them take me off that plan and decline my payments if the funds aren't there ) she said I enrolled in XXXX which is a lie. So on top of the \" glitch '' which didn't decline my card or the app showing the correct balance they transferred monies without my consent.","date_sent_to_company":"2019-03-18T19:47:47.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"3183249","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2019-03-18T18:14:09.000Z","state":"OH","company_public_response":null,"sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["I randomly checked my mobile app on XX/XX/XXXX and it said my <em>checking</em> <em>account</em> was negative {$330.00} plus dollars. My <em>savings</em> <em>account</em> had {$340.00} in it. I called Citizens customer service number spoke to a representative then spoke with a supervisor named XXXX who is located in PA. Both the representative, XXXX and I agreed that I wasn't enrolled in the transfer <em>savings</em> to <em>checking</em> overdraft."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[17.783476,"3183249"]},{"_index":"complaint-public-v1","_id":"12587889","_score":17.763422,"_source":{"product":"Checking or savings account","complaint_what_happened":"Although banks review consumer accounts for any reason without notice, when US Bank NA froze my funds of {$97000.00} on or about XX/XX/year> ; it was discrimination based on race and national origin. \nUS Bank did not base its decision to freeze my life savings on objective criteria related to risk ; rather, the bank decided to manage risks in its banking operations based on discriminatory policies and discriminatory practices. It was a aware that I am a XXXX consumer when I opened my account and also knew or had reason to know based on its own internal monitoring and reporting that its policies of giving unguided discretion to its consumer banking operations, specifically in business checking products, was resulting in discrimination. US Bank knew that its policies and practices encouraged the improper placement of XXXX consumers into their financial products and that its internal system designed to ensure proper placement of these consumers was ineffective and subject to easy manipulation. \nUS Bank 's internal documents will show that senior officials were aware of the numerous tactics employed to restrict XXXX consumer 's checking accounts and that a significant percentage of non-White consumers were frozen based on risk compared to its XXXX ones in similarly situated banking products. Thus, US Bank did not act to adequately compensate consumers who were victims of discrimination like me nor did it take effective action to change its policies or practices to eliminate discrimination. \nTherefore, this is not a dispute that involves provisions of my contract with the bank ; it is a bona fide complaint to hold US Bank accountable for its violation of consumer banking laws and to get my life savings of {$97000.00} back.","date_sent_to_company":"2025-03-20T21:51:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"00627","tags":"Servicemember","has_narrative":true,"complaint_id":"12587889","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2025-03-20T21:44:07.000Z","state":"PR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Although banks review consumer <em>accounts</em> for any reason without notice, when US Bank NA froze my funds of {$97000.00} on or <em>about</em> XX/XX/year> ; it was discrimination based on race and national origin. \nUS Bank did not base its decision to freeze my life <em>savings</em> on objective criteria related to risk ; rather, the bank decided to <em>manage</em> risks in its banking operations based on discriminatory policies and discriminatory practices."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Managing</em> an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[17.763422,"12587889"]},{"_index":"complaint-public-v1","_id":"15028478","_score":17.469364,"_source":{"product":"Checking or savings account","complaint_what_happened":"The following is to reiterate what happened in a previous complaint against M & T and what happened after complaint filed. I opened a checking POA account for my friend, checking & savings account for myself. I managed his acct per his instructions. These are only a few steps that I took before it started feeling like they were giving me the runaround. I feel like they discriminated against me and my friend as there was no reason or cause to have closed out these accounts. XX/XX/XXXX - XXXXXXXX XXXX in amount of {$74.00} and then again in XX/XX/XXXX. One of the checks was never deposited in my Checking account. XX/XX/XXXX - At XXXX point, I received a call from M & T Investigator ( XXXX XXXX ) who requested to speak to my friend. Notified my friend to call. XX/XX/XXXX - XXXX XXXX called back and stated that all was good. Despite I was completely honest with M & T, they treated me like I was not. XX/XX/XXXX - They forwarded me a letter stating that they were closing MY account and nothing about the POA account being closed out. As I went online to check accounts, I found I could not access ALL three of the accounts. The POA checking, MY Checking and/or XXXX. XX/XX/XXXX - I received check in the amount of {$950.00} for my checking account but nothing on the POA ( {$160.00} ) or my Savings ( {$420.00} ) I went to Branch. She stated that I had to call XXXX and verified all three accounts were listed at XXXX XXXX XXXX. There were still issues with the balance of my checking account ending in XXXX for the check amount of {$74.00}. I had deposited XXXX of them : XX/XX/XXXX in the amount of {$74.00} and then again on XX/XX/XXXX in the amount of {$74.00}. I never received XXXX of those checks. Provided me with statements for past month. Said I had to pay {$5.00} per copy of any others despite I was to get up to 6 months at no charge. Seems like they were trying to be sure I did not get full accounting. XX/XX/XXXX received notice from XXXX. Did not look like they put me down as fraudulent but who knows what XXXX have happened afterwards. XX/XX/XXXX - Called XXXX re : checks. Stated it was being sent. XX/XX/XXXX - Spoke with XXXX at M & T - He stated XXXX was sent to XXXX but branch had previously stated that address on file for all XXXX accounts was XXXX XXXX XXXX, XXXX, MD XXXX. XX/XX/XXXX - Attorneys from XXXX XXXX XXXX XXXX XXXX sent M & T letter XXXX times and M & T provided no response nor XXXX or my savings account balance checks. Despite complaint though CFPB ( which I was happy how fast it went ), M & T still did not comply or even explain whey they sent partial payments. I still did not receive the missing {$74.00} deposit from my checking or even the full remaining balance of {$160.00} of the POA account. They only sent {$63.00} out of {$160.00}.","date_sent_to_company":"2025-08-02T02:56:24.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"212XX","tags":null,"has_narrative":true,"complaint_id":"15028478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2025-08-02T02:30:56.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The following is to reiterate what happened in a previous <em>complaint</em> against M & T and what happened after <em>complaint</em> filed. I opened a <em>checking</em> POA <em>account</em> for my friend, <em>checking</em> & <em>savings</em> <em>account</em> for myself. I <em>managed</em> his acct per his instructions. These are only a few steps that I took before it started feeling like they were giving me the runaround. I feel like they discriminated against me and my friend as there was no reason or cause to have closed out these <em>accounts</em>."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[17.469364,"15028478"]},{"_index":"complaint-public-v1","_id":"6146028","_score":17.353699,"_source":{"product":"Checking or savings account","complaint_what_happened":"I submitted a previois complaint on around XX/XX/XXXX. \nI'm still having issues with the US BANK Fraud Department. I '' m a victim of Fraud with the US Bank, since XX/XX/XXXX but my checking account still shows a negative balance so I can not make any payments or transactions. \nAnd I '' m still missing more than 40K stolen under their noses from my savings account. \nThe Bank is still claiming the Fraud Department is behind, I'm questioning at this poin not only their ability to keep our money safe but their ability to process our claims and honor their own mission statement. \nI request a serious Audit to this institution the way this situation is being managed reflects serious organizational issues. \nAfter I filed this complaint and even emailed some members of their leadership team I received a set of incomplete affidavits to start my claim with them They sent 10 affidavits for me to sign all related to my savings account and no information at all about the withdrawals or transactions. I had to call and follow up and an agent had to dictate over the phone serial numbers of the 10 fraudulent transactions on my savings account for me to fill out the aforesaid affidavits. \nThey sent separately copies of the fraudulent checks charged to my checking account. And No affidavits to fill out for that account.Therefore, on my follow up call I they sent an e mail with electronic forms for me to fill out. All this happened on or around XX/XX/XXXX and XXXX I '' m practically organizing my whole file at this point. \nI submitted supplemental in for the investigation by e mail and by mail. \nI called to follow up again on XX/XX/XXXX. I talked to 2agents the first one hung up on me when I mentioned I had filed a complaint here, the second agent said I was good and they didn't need anything else from me. She read something about front and back but summarized I didn't have to submit anything else. \nToday on XX/XX/XXXX I call back again and they tell me that they are missing the front part of a check I included in my supplemental information to make a poit about my signature being similar to my signature recently used when buying my house. \nThey say my case is delayed now because of that missing piece Now my question is... What kind of investigation is this one if the bank onws those copies ... Is this a technique to delay the process or a beaurocratic technique? \nWhat kind of interdepartmet communication they have that they delay a case claiming they need a check they should have in front of them when reviewing my case ....? This is hard to understand What are the qualifications of the investigation team? \nHow many investigators they have? \nWhy the agent who talked to me on XX/XX/XXXX did not understand the note about front and back of the check and did not informed me bzck then? \nWhy are they actually behind? \nWhy hasn't the Bank paid attention to their alledged staff shortage in the fraud department? \nWhy do they have so many check fraud cases? Are they in compliance with minimum scrutiny procedures? \nDo they provide support, training and education to their personnel? \nIm only daring to question these matters because either the institution is obviously struggling or they are purposely delaying to get this process done. \nThe schoking part is that I was told today the investigation team leaves notes for agents to infeme IF I CALL, Question ... What kind of customer service is this one? Not first world class one that is for sure She added that eventually they will e mail me .... \nQuestion .... When? It is clear the note was there on XX/XX/XXXX and today is XX/XX/XXXX but have not received any calls from the US Bank. \nIt is my perception they don't care or they are in serious trouble.","date_sent_to_company":"2022-10-29T05:08:53.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"78626","tags":null,"has_narrative":true,"complaint_id":"6146028","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2022-10-29T03:59:46.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I request a serious Audit to this institution the way this situation is being <em>managed</em> reflects serious organizational issues. \nAfter I filed this <em>complaint</em> and even emailed some members of their leadership team I received a set of incomplete affidavits to start my claim with them They sent 10 affidavits for me to sign all related to my <em>savings</em> <em>account</em> and no information at all <em>about</em> the withdrawals or transactions."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Managing</em> an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[17.353699,"6146028"]},{"_index":"complaint-public-v1","_id":"2496662","_score":17.086044,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Sir/Madame : I am filing a complaint about HSBC for 4 specific things as below. I have all email communications as evidence and can provide all of them when needed. 1. When I tried to pay for Property Tax on XX/XX/XXXX on the payment website from the selected menu I chose to pay through my Savings Account but I accidentally entered my checking account #. Then HSBC paid through my checking account without checking with me.\n2. Since there was not enough fund in my checking account ( fund was in savings account ), the payment was denied. I got notified on XX/XX/XXXX from the payment website. They informed me that my bank only notified them on XX/XX/XXXX. Since XX/XX/XXXX was the deadline for the payment, I was charged $ 1500+ fine. When I asked HSBC why it took them 10 days to inform insufficient fund status, there was no direct answers. I had to escalate to five different HSBC staff and it took me 1.5 months to finally get an answer. During the process, I sent dozens of emails to different HSBC staff for answers. After getting so frustrated, I asked for the contact information of their supervising authorities. At my 7th request, they finally gave me your name. This was a terrible customer service experience.\n3. HSB\nC has been using double standards to decide how to communicate with me. When I opened my account back in XX/XX/XXXX, I told them my sister will help manage my account since I am too busy and I fully trust my sister. Since then, my account manager has been in communication with my sister for all account services through emails, phone calls, etc. When I asked for investment options, HSBC staff also called my sister instead of me to discuss options. But when my sister followed up on above # 2 issue, HSBC staff said my sister can not handle this complaint since she has no power of attorney to represent me. I do not understand why my sister can handle my accounts in any way but when it comes to complaints, she can not?\n4. HSBC downgraded my checking account level from premium to advance on XX/XX/XXXX without getting my approval. Again, I have all email communications to prove above. I am more than happy to provide any evidences to support my claims. Thank you for your time! XXXX XXXX","date_sent_to_company":"2017-05-30T04:01:26.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94538","tags":null,"has_narrative":true,"complaint_id":"2496662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2017-05-30T03:50:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Dear Sir/Madame : I am filing a <em>complaint</em> <em>about</em> HSBC for 4 specific things as below. I have all email communications as evidence and can provide all of them when needed. 1. When I tried to pay for Property Tax on XX/XX/XXXX on the payment website from the selected menu I chose to pay through my <em>Savings</em> <em>Account</em> but I accidentally entered my <em>checking</em> <em>account</em> #. Then HSBC paid through my <em>checking</em> <em>account</em> without <em>checking</em> with me.\n2."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Managing</em> an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[17.086044,"2496662"]},{"_index":"complaint-public-v1","_id":"16061811","_score":16.396568,"_source":{"product":"Credit card","complaint_what_happened":"I recently transitioned banks from XXXX to TD and had to make adjustments to my Chase card account auto-pay feature. Seems : 1. Chase does not allow connectivity to a Savings account, leaving me to split my credit card auto-payments ( XXXX - XXXX ( higher interest ), Chase- XXXX ( little to no interest ). \n2. Due to the inability to connect a savings account to my Chase credit card auto-pay process - I have to consistently manage cash flows between my two accounts at XX/XX/XXXX to ensure one card is paid through Savings, the other through Checking.\n\n3. Chase auto-debited my account on XX/XX/XXXX on the payment due date- which showed complete on the chase end 4. Three days later on XX/XX/XXXX, I see the payment failed and I was immediately charged {$150.00} XXXX of interest. \n5. I was unable to resolve the payment issue until days after the payment due date because I was not notified promptly that there was NSF in my bank account. I have a complain to TD bank because there was supposed to be OD protections which weren't there, but overall the limbo between these two companies lef me to pay significant interest because of delayed an incorrect information. \n6. Between XX/XX/XXXXnd Chase - funds are processed and returned with delays, so I never know whether I've paid the bill fully, or if it's still in limbo causing more interest charges. \n7. Chase would not reimburse the interest to me when asked.\n\n8. My credit score is in the high XXXX XXXX 's and have been impacted since joining XX/XX/XXXX and dealing with setting up Auto-Payments without proper OD controls which I have raised a complaint about. I do not pay my bills late, but this year has been a challenge due to the way in which the lack of information and delays between payment processors between companies limits the support and transparency to consumers like myself.","date_sent_to_company":"2025-09-19T12:40:03.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"08831","tags":null,"has_narrative":true,"complaint_id":"16061811","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-19T12:29:01.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Due to the inability to connect a <em>savings</em> <em>account</em> to my Chase credit card auto-pay process - I have to consistently <em>manage</em> cash flows between my two <em>accounts</em> at XX/XX/XXXX to ensure one card is paid through <em>Savings</em>, the other through <em>Checking</em>.\n\n3. Chase auto-debited my <em>account</em> on XX/XX/XXXX on the payment due date- which showed complete on the chase end 4. Three days later on XX/XX/XXXX, I see the payment failed and I was immediately charged {$150.00} XXXX of interest. \n5."]},"sort":[16.396568,"16061811"]},{"_index":"complaint-public-v1","_id":"1631264","_score":16.318172,"_source":{"product":"Bank account or service","complaint_what_happened":"I had XXXX accounts with Ally Bank. XXXX was a checking account, which I used for my small business, and the other was a savings account held jointly with my wife. \n\nIn XXXX I received a substantial tax refund from the IRS, which I deposited in the savings account. A few days later, I noted that the account had been frozen and I called Ally Bank to ask why. The Customer Service rep told me that my wife and I were suspected of fraud, based on information received from the IRS. As directed by the rep, I called XXXX XXXX ( ( XXXX XXXX XXXX ) of the Loss Prevention Department. She told me that the funds were being sent to the IRS, but she refused to give me any information on which department of the IRS had requested this, who I should contact, or how I should go about getting the funds returned. \n\nAfter many hours of calling different IRS departments, I finally located the responsible division of the IRS - the Identity Theft Department in XXXX, TX. They told me that, while they agreed I was entitled to the money, they wanted to make sure that I was actually the person who had filed the return and deposited the money. After a XXXX minute conversation, I managed to verify my identity to their satisfaction and they agreed to re-send me the check. \n\nHowever, the next time I checked on my Ally account, I found that the savings account had been closed. I called XXXX XXXX again, and she was unable to say any more than that Ally had decided to close the account because of the involvement of the IRS. I asked to speak to a supervisor and she transferred me to XXXX XXXX ( XXXX XXXX XXXX ). He told me that Ally could close any account they wanted, for any, or for no reason. I asked him whether he felt that Ally had a duty to act reasonably in dealing with their customers, and he replied that they did not and that they could do whatever they wanted with regard to customer accounts. I asked him who had authorized the account closure and he declined to identify any individual, saying only \" the Loss Prevention Department ''. I then asked him for the name of Ally 's primary regulator, in case I wished to make a complaint. He refused to say and suggested that if I had a complaint I should take it to the XXXX. Finally I asked him whether my wife and I could open a new account to deposit the check being sent by the IRS and he said he would get back to me. \n\nLater on he called me to say that Ally had decided to close the checking account as well. Once again he declined to give a reason, said that Ally did not need a reason. Again I requested the name of the primary regulator and he declined to disclose it. Obviously these account closures have caused and will cause a considerable inconvenience to me and to my business. It is shameful that Ally cose to close my checking account in retaliation for my making a complaint.. In addition, I am very disturbed by Ally 's attempts to prevent their customers from reaching the appropriate regulators. Fortunately, I have worked in the financial services business for more than 30 years and so have the requisite knowledge to find this information without Ally 's assistance, I worry that Ally 's behavior will unfairly impede customers without similar experience and thus prevent them from obtaining the redress so clearly required by Ally 's capricious and unreasonable actions.","date_sent_to_company":"2015-10-29T16:09:36.000Z","issue":"Account opening, closing, or management","sub_product":"Savings account","zip_code":"068XX","tags":null,"has_narrative":true,"complaint_id":"1631264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2015-10-29T16:09:35.000Z","state":"CT","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I had XXXX <em>accounts</em> with Ally Bank. XXXX was a <em>checking</em> <em>account</em>, which I used for my small business, and the other was a <em>savings</em> <em>account</em> held jointly with my wife. \n\nIn XXXX I received a substantial tax refund from the IRS, which I deposited in the <em>savings</em> <em>account</em>. A few days later, I noted that the <em>account</em> had been frozen and I called Ally Bank to ask why. The Customer Service rep told me that my wife and I were suspected of fraud, based on information received from the IRS."],"product":["Bank <em>account</em> or service"],"issue":["<em>Account</em> opening, closing, or management"],"sub_product":["<em>Savings</em> <em>account</em>"]},"sort":[16.318172,"1631264"]},{"_index":"complaint-public-v1","_id":"4360168","_score":16.216187,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have not been able to access my online statements for my 11 CD savings accounts at Marcus Bank as detailed in a prior complaint here XXXX XXXX ), which you closed at the bank 's request on their say so. In the prior complaint that was closed in XXXX, the bank claimed to be putting in a fix by XX/XX/2021. It was not fixed by XXXX when I check on XX/XX/XXXX. On XX/XX/XXXX, I received a call from the bank claiming it fixed the issue. They fixed my savings account and I was now able to see the listing of my statement now back to XX/XX/2021, which is when this problem first started. After I hung up the phone, I started downing my 2021 statements. When I got to the first of my XXXX CD accounts this is the error message I got : { \" requestId '' : '' XXXX @ XXXX '', '' status '' : '' ERROR '', '' error '' : { \" code '' XXXX, '' message '' : '' Error getting document by XXXX '', '' fields '' : { } } } For 5 months I been trying to get this fix as detailed in the prior complaint. My wife has lost all faith in the bank and fears for the safety of our money. I am now taking steps to remove our money from the bank even if it means taking penalties. It is better to lose a few hundred dollars in interest than $ XXXX of our money held in their bank. \n\nI have lost faith in the federal government to ensure the safety of our money. Marcus Bank does not have the ability to safety manage or control their computer programs. If they can't manage their in house software, how safe is my money from a computer hacker or from some other cyber security flaw?\n\nAnd another fact, Marcus had to restate all of the XXXX statements because of some glitch. \n\nIf the CFPB is not concerned then maybe the FDIC should be since they may have to cover the lost.\n\nA review of Marcus Bank XXXX page has many others concern about their money 's safety and the bank 's computer abilities. My wife detailed our issue and the bank took down her post. What are they trying to hide? Only after she detailed how we filed a complaint with CFPB did it stay posted. \n\nIt comes down to this. An online bank should have accurate online statements. Since the beginning of 2021, that has not happen for the 13 accounts that I had at the start of 2021 and now I can only get 1 out of 12 statements online for the month of XXXX. \n\nI have try 24 times via chat, registered letter, phone calls, even a prior complaint for over 5 months to get this fix.","date_sent_to_company":"2021-05-07T11:50:20.000Z","issue":"Managing an account","sub_product":"CD (Certificate of Deposit)","zip_code":"08332","tags":"Servicemember","has_narrative":true,"complaint_id":"4360168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2021-05-07T11:06:26.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["I have not been able to access my online statements for my 11 CD <em>savings</em> <em>accounts</em> at Marcus Bank as detailed in a prior <em>complaint</em> here XXXX XXXX ), which you closed at the bank 's request on their say so. In the prior <em>complaint</em> that was closed in XXXX, the bank claimed to be putting in a fix by XX/XX/2021. It was not fixed by XXXX when I <em>check</em> on XX/XX/XXXX. On XX/XX/XXXX, I received a call from the bank claiming it fixed the issue."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Managing</em> an <em>account</em>"],"sub_issue":["Problem accessing <em>account</em>"]},"sort":[16.216187,"4360168"]},{"_index":"complaint-public-v1","_id":"14391223","_score":16.041136,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I was a XXXX XXXX XXXX XXXX scheme in which people gained access to all my online accounts with Wells Fargo and transferred {$10000.00} out of my personal checking via XXXX XXXX. I immediately called Wells Fargo and opened a fraud claim, and was interviewed by a fraud representative. After that was completed I filed a police report and called all XXXX credit bureaus to place a freeze on my credit report. I then called my XXXX XXXX ( also with Wells Fargo ) to inform him of the incident should he receive any calls from someone claiming to be me. \nOn XX/XX/XXXX I visited a local Wells Fargo branch to close and reopen 5 checking and savings accounts and get new debit and credit cards. I also signed up for XXXX XXXX. I then visited an XXXX XXXX  to ensure no nefarious software was downloaded on my phone and changed apple ID and passwords. \nOn XX/XX/XXXX I drove XXXX hours to help my elderly mother finalize paperwork for her new accounts, as she had recently added me to her checking and savings accounts so I could help her manage finances, taxes etc. \nOn XX/XX/XXXX, after waiting the maximum XXXX business days I was quoted for the fraud team to reach a decision on my claim, I again contacted Wells Fargo as I had not heard any follow up. I was never asked to provide my police report details, or copies of emails I received while the fraudsters were actively making changes to my banking, such as increasing my daily spending limit to {$20000.00}. I spent XXXX hours on the phone and spoke with XXXX different representatives before I found someone who could even find the claim, and was told it was denied without any reason as to why. I spoke with supervisor at length and was told the fraud investigators did not find sufficient evidence to prove I was a victim of fraud. When I asked what constitutes as evidence I was told she could not divulge the details of the investigation, such as what information they looked at to reach their conclusion. I said I would be happy to provide a copy of my police report and the aforementioned emails but was again told they had already reached their decision. I did not find the conversation satisfactory and asked to speak to a supervisor, but was refused. I asked about an appeal process but was also refused. I then requested to file a formal complaint and was again refused. I was then told I would receive a call back within XXXX hours from a supervisor and could file a verbal complaint at that time. I have not been contacted since and am in the process of sending a formal complaint letter with the help of an attorney. \nDespite the fact that I hold nearly XXXX accounts with Wells Fargo ( including checking, savings, credit card, personal line of credit, brokerage ), and have been a customer since XXXX, I was told Wells Fargo does not care if I take my business elsewhere and have received no help in making me whole after the incident. As someone who also works in the same industry I know for a fact that there is a process to be followed when someone states that they want to speak to a supervisor and file a complaint. I believe the bank is in violation of these standard practices. I have taken every step a person should when in this situation but have received zero help from the bank.","date_sent_to_company":"2025-07-01T17:19:37.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"80123","tags":null,"has_narrative":true,"complaint_id":"14391223","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-07-01T16:37:23.000Z","state":"CO","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":["On XX/XX/XXXX I drove XXXX hours to help my elderly mother finalize paperwork for her new <em>accounts</em>, as she had recently added me to her <em>checking</em> and <em>savings</em> <em>accounts</em> so I could help her <em>manage</em> finances, taxes etc. \nOn XX/XX/XXXX, after waiting the maximum XXXX business days I was quoted for the fraud team to reach a decision on my claim, I again contacted Wells Fargo as I had not heard any follow up."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Managing</em> an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[16.041136,"14391223"]},{"_index":"complaint-public-v1","_id":"13473386","_score":15.9779625,"_source":{"product":"Checking or savings account","complaint_what_happened":"Product : Checking or Savings Account Issue : Managing an account / Problem making or receiving payments Account Type : Checking Account Company : SoFi Bank Date Issue Began : XX/XX/year> Complaint Description : This is my third formal complaint to the CFPB regarding SoFi Bank 's continued failure to provide reliable banking services and competent customer support. Prior complaints include : Complaint # XXXX ( filed XX/XX/year> ) Complaint # XXXX ( filed XX/XX/year> ) Despite repeated follow-ups, none of these issues have been properly resolved, and the situation has become increasingly confusing and frustrating. \n\nDetailed Background Bill Pay Breakdown : On XX/XX/year>, I initiated payment of my HOA dues via XXXX 's Bill Pay service to XXXX XXXX company based in the XXXXXXXX XXXX XXXX XXXXXXXX ) area. I sent XXXX {$600.00} checks, totaling {$1200.00}, for my HOAs annual assessment. \n\nI have successfully used XXXX XXXX XXXX XXXX times in XXXX including XXXX other check payments to XXXX addresses. Only the XXXX checks to XXXX failed, which raises serious concerns. \n\nHeres what happened : Each time XXXX claimed they had not received the check, XXXX insisted it was sent by regular mail, and after waiting for the typical delivery period, issued a replacement. \n\nThis cycle happened XXXX times for each of the XXXX checks. \n\nEventually, XXXX of the checks appears to have been cashed on XX/XX/year>, but XXXX denies receiving or depositing it. \n\nWith both parties offering contradictory accounts, I was caught in the middle with no resolution. \n\nOut of desperation and to prevent further penalties, I logged into the XXXX portal on or about XX/XX/year> ( after previously being locked out ), and paid {$1200.00} directly from my XXXX accountmaking a total out-of-pocket payment of {$2400.00}. \n\nXXXX eventually waived late fees but then charged me {$35.00} per returned check, totaling {$70.00}, citing issues with the original XXXX checks. \n\nAt no point was I made aware of stop payments, returned items, or specific failures that would justify these return check fees. XXXX claims there was no issue on their side, but XXXX insists the checks were returned. I genuinely dont know whom to trust in this situation. \n\nImpact on Me : I have spent over XXXX hours since XX/XX/year> trying to resolve this through support chats, emails, and phone calls. \n\nI incurred a {$70.00} loss in returned check fees. \n\nI was out {$1200.00} extra for a period of time, which impacted my liquidity and interest. \n\nXXXX 's service modeloutsourcing to undertrained, offshore agentscreates confusion, lost context, and XXXX accountability. \n\nTheir escalation structure is broken, and no single agent owns a problem to resolution.","date_sent_to_company":"2025-05-12T23:00:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75063","tags":null,"has_narrative":true,"complaint_id":"13473386","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-05-12T22:54:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["Product : <em>Checking</em> or <em>Savings</em> <em>Account</em> Issue : <em>Managing</em> an <em>account</em> / Problem making or receiving payments <em>Account</em> Type : <em>Checking</em> <em>Account</em> Company : SoFi Bank Date Issue Began : XX/XX/year> <em>Complaint</em> Description : This is my third formal <em>complaint</em> to the CFPB regarding SoFi Bank 's continued failure to provide reliable banking services and competent customer support."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Managing</em> an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[15.9779625,"13473386"]},{"_index":"complaint-public-v1","_id":"1330782","_score":15.759572,"_source":{"product":"Money transfers","complaint_what_happened":"On XXXX XXXX 2015 I when online into my Paypal account and initiated a transfer of {$230.00} from XXXX of my XXXX linked external accounts, a savings account at XXXX XXXX Bank. Ultimately I wanted to send this money to my sons account with Paypal. Each day I checked the balance on my Paypal account which was {$0.00} until I checked on XXXX XXXX XXXX, when the balance showed as {$230.00}. So I initiated a transfer of these funds from my Paypal account to my sons paypal account. Later that day I happened to be on line looking at my XXXX XXXX Accounts and I noticed that the {$230.00} had been taken from my savings account but had also been taken from my checking account. I was upset because I had instructed the {$230.00} to only come out of my savings and did not know why the {$230.00} was also taken from my checking account. Luckily this {$230.00} coming out of my checking account without my knowledge could have resulted in an overdraw but did n't. When I called Paypal the representative told me that they took the XXXX {$230.00} because the original {$230.00} had n't actually cleared when I initiated the transfer to my son. I asked if the {$230.00} had n't yet cleared from my XXXX XXXX Account savings account, based on my transfer on XXXX XXXX, then why did Paypal show that I had a {$230.00} available balance. I also wanted to know how did Paypal then manage to get the second {$230.00} from my XXXX XXXX Checking on the same day, and why did n't they take the XXXX {$230.00} from my savings account and not my checking, all without my prior approval or even notification. The rep did not have an answer so I asked to be transferred to a supervisor, which he said he would do. I waited on the phone in a queue for quite a while and then was cut off and hung up on. I called again later in the day and spoke to a Paypal Supervisor, XXXX, in their office in the XXXX. He agreed that it was a problem that the system showed the funds as being available and then let me transfer the money, and that it was a problem that the second {$230.00} was taken without my approval. He said that he was submitting a trouble/problem ticket and that I will receive an email acknowledging this. I never received an email so I went on line and submitted an online email complaint. I received the email shown below so I responded saying that I would have to file a complaint with a regulatory agency. \nIn my opinion I think that it should be illegal for Paypal to take any funds from XXXX of my linked accounts without first getting my approval or at a minimum notifying me. \nDear XXXX XXXX, My name is XXXX and I am a Supervisor with PayPal 's Customer Solutions Department. I appreciate this opportunity to respond to your concerns. \nI attempted to contact you directly on XXXX XXXX, 2015 at XXXX Central Time, but was unable to reach you at that time. I wanted to follow up with you regarding your phone call to PayPal on XXXX XXXX, 2015. \nA review of your PayPal account shows that on XXXX XXXX, 2015, you made a payment to XXXX XXXX. I do understand that you intended the transfer to come from your account balance. The balance was not added to your PayPal account until XXXX XXXX, 2015 at XXXX Pacific Time . The withdrawal initiated to your bank account for {$230.00} shows that it has completed to your bank account. \nI offer my sincere apologies for the difficulty that you have experienced and hope this information addresses your concerns and answers any questions you may have had. You can contact PayPal 's Customer Solutions Department at XXXX if you have any questions or concerns or if we can be of further assistance. \nYou can find additional information and tips about buying and selling safely on our Business Resource Center at XXXX \nVery sincerely yours, XXXXCustomer Solutions Supervisor","date_sent_to_company":"2015-04-20T14:46:58.000Z","issue":"Other transaction issues","sub_product":"Domestic (US) money transfer","zip_code":"11580","tags":null,"has_narrative":true,"complaint_id":"1330782","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2015-04-15T15:08:00.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I asked if the {$230.00} had n't yet cleared from my XXXX XXXX <em>Account</em> <em>savings</em> <em>account</em>, based on my transfer on XXXX XXXX, then why did Paypal show that I had a {$230.00} available balance. I also wanted to know how did Paypal then <em>manage</em> to get the second {$230.00} from my XXXX XXXX <em>Checking</em> on the same day, and why did n't they take the XXXX {$230.00} from my <em>savings</em> <em>account</em> and not my <em>checking</em>, all without my prior approval or even notification."]},"sort":[15.759572,"1330782"]},{"_index":"complaint-public-v1","_id":"3269414","_score":15.750506,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a checking and savings account with Wells Fargo in 2012 I believe, I do not have the account number available to me as all accounts are now closed and do not have access to them. Due to Wells Fargo high pressure sales tactics which includes customer service reps insisting I open a second account to use for bill pay, I later opened additional checking accounts, accounts ending in XXXX, XXXX. It's common sense to know you do not need a second checking account, you can keep your funds in one account and still manage bill pay.. Reps would routinely insist I open a second account whenever I called in with questions about the account and or any fees. It appears Wells Fargo reps only wanted to boost profits as they were advised to persuade customers to open additional accounts by executives, this information can be found on any number of news sites pertaining to this issue. I fell victim to this, opened accounts I did not need.. Prior complaints were made about fees charged to these accounts and settlement payment which is inadequate. Wells Fargo made a settlement fund due to their reps high pressure sales tactics in order to boost profits and salary of executives. I received a payment in the amount of XXXX from this settlement which appears to be a remedy not a resolution of fees. I understand the administrator of settlement determines how much is paid out, even though Wells Fargo agreed to the settlement and I believe is the party responsible for disbursing payments. Needless to say, this seems shady as it appears they simply sent out {$85.00} to everyone whom filed a claim.. Prior complaints were made about this issue, a payment of {$50.00} was received and most recently, {$120.00} for a total of {$260.00} including {$85.00} from settlement. Suspicious of this, I requested copies of statements via a complaint with the CFPB, which was marked as duplicate, another complaint filed with the OCC in order to obtain them. I've since received several duplicate statement copies, which are not needed. I also received a notice from Wells Fargo Mediation, I replied with a request for remaining fees which I total in the amount of {$610.00}. The total in fees I show and have attached statement copies to this complaint is {$870.00}, I was paid a total of {$260.00}, thus leaving an amount of {$610.00}. Please note, this does not include the monthly service fee of XXXX. I reasonably requested XXXX via medication, have not heard back in re. I do not know how Wells Fargo rep ( s ) replying to these complaints calculate these payments, XXXX and XXXX, however, they appear to be a remedy not a resolution. I request Wells Fargo do an accounting of fees charged to these accounts, refund difference which I believe to be {$610.00} which reflects {$260.00} paid to me prior.","date_sent_to_company":"2019-06-09T04:50:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"06320","tags":null,"has_narrative":true,"complaint_id":"3269414","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-06-09T03:36:32.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I opened a <em>checking</em> and <em>savings</em> <em>account</em> with Wells Fargo in 2012 I believe, I do not have the <em>account</em> number available to me as all <em>accounts</em> are now closed and do not have access to them. Due to Wells Fargo high pressure sales tactics which includes customer service reps insisting I open a second <em>account</em> to use for bill pay, I later opened additional <em>checking</em> <em>accounts</em>, <em>accounts</em> ending in XXXX, XXXX."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Managing</em> an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[15.750506,"3269414"]},{"_index":"complaint-public-v1","_id":"9658692","_score":15.571744,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello, on XX/XX/year>, I added my XXXX XXXX checking account to my Capital One Checking and Savings accounts ' managed non-Capital One bank accounts so I could do transfers from either Capital One account to my XXXX XXXX checking account. After adding the XXXX XXXX checking account successfully to my Capital one non-Capital One bank accounts, I attempted to transfer {$1000.00} from the Cap One checking to my XXXX Checking ( confirmation # XXXX ). I then received an e-mail from Cap One that the transfer was cancelled and then another e-mail stating my accounts were now restricted. The e-mail stated- '' We noticed unusual activity on one or more of your accounts. For your protection, weve restricted your Capital One accounts until we can verify some recent activity. \". So I have called the XXXX Cap One Fraud Department ( as was recommended in the Cap One e-mail ) about 25 times on XXXX and XXXX. They require uploading your Driver 's License to them that you MUST take with your phone only. So for whatever reason, it would not work most of the time. Unlike a real bank such as XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, etc, Capital One does not allow you any other way of sending them your government ID other than taking the picture through your smart phone. You should be able to upload it through your computer through a secure e-mail link like real banks do-not Capital One. I spoke with Cap One agent XXXX about an hour on XXXX around XXXXXXXX XXXX  est and she verified my DL was successfully uploaded via my phone to Capital One. However, she just gave me a real hard time for some reason. I recently moved to a new temporary apartment closer to my job about XXXX miles from home. Since it will be awhile here, I got a post office box address and put that on my Cap One accounts. I also put my cell phone number on my accounts. So it was explained that I used multiple devices to login to my Cap One app and website. I explained I have used my 3 cell phones ( XXXX XXXX XXXXXXXX, and XXXX phones ) and a XXXX XXXX XXXX and XXXX to get on the Cap one website or app. I explained that I transferred phone service from my XXXX XXXX to the XXXX phone. XXXX gave me a real hard time about this-I could not believe this at all. I said I can not login to the Cap One app on XXXX since it does not have phone or data service. So anyways, I just have been given a real hard time with this and need the CFPB 's help here please. The Cap ones reps say I need to visit a Cap one branch-well there is no physical branch anywhere near me over XXXX mile radius. One Cap one rep said I needed to go to another state verify this-LOL, can you believe the audactiy of this person to say that? There is a Cap One Cafe in XXXX ( over XXXX miles away ), but I called them and the rep said this situation is not something they would handle. So I just please need some help here to get Cap One to release the holds on my Cap One Savings ( XXXX ) /Checking ( XXXX ). I will also be filing XXXX complaint against Capital One and State of Virginia Attorney General Complaint against Capital One. Capital one needs to realize you just can't take someone money and refuse to give it to them. Thank you to the CFPB.","date_sent_to_company":"2024-07-30T14:42:51.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9658692","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-07-30T14:12:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Hello, on XX/XX/year>, I added my XXXX XXXX <em>checking</em> <em>account</em> to my Capital One <em>Checking</em> and <em>Savings</em> <em>accounts</em> ' <em>managed</em> non-Capital One bank <em>accounts</em> so I could do transfers from either Capital One <em>account</em> to my XXXX XXXX <em>checking</em> <em>account</em>. After adding the XXXX XXXX <em>checking</em> <em>account</em> successfully to my Capital one non-Capital One bank <em>accounts</em>, I attempted to transfer {$1000.00} from the Cap One <em>checking</em> to my XXXX <em>Checking</em> ( confirmation # XXXX )."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Managing</em> an <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"]},"sort":[15.571744,"9658692"]},{"_index":"complaint-public-v1","_id":"7095216","_score":15.026494,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello. \n\nSummary -- - I am unable to transfer {$13000.00} in savings to an external bank XXXX XXXX XXXX XXXX due to what appears to be intentional roadblocks on the part of Oportun, Inc XXXX XXXX XXXX. \n\nI used the XXXX XXXX for about 18 months to help me with my savings. As a result, I saved {$13000.00}. XXXX  was then acquired by Oportun , Inc. Oportun is not a bank but uses XXXX XXXX to manage money in their accounts. As such, I have an account with XXXX XXXX I realized quickly that I did not like the way Oportun operated - given it's history of questionable loan practices- and request that my money be transferred to my other bank account. I was told they would mail a check. However, I asked for a direct transfer given that there are many complaints online from other users about Oportun checks bouncing. They refused to do so. ( This all happened approximately on XX/XX/2023 ). \n\nI then attempted to connect to my external bank using the XXXX XXXX XXXX. This connection worked seamlessly when the company was XXXX. However, the connection between my bank and their services was disabled when Oportun acquired them. There is still an option on the Oportun app to add external accounts using XXXX. I have attempted this a number of times. Each time, I receive word that the connection is successful followed immediately by this statement : \" Something went wrong. Unfortunately, we're unable to connect the account at this time. Please contact customer service. '' After first receiving this notice, I contacted customer service who informed me that the problem was not theirs and was likely caused by a security hold on the part of my other bank. Today, I confirmed with my other bank that this is not the case. So it appears Oportun is not allowing the connection to be made. \n\nMy next step in accessing my funds involved the discovery that Oportun is backed by XXXX XXXX I was able to locate my account number. I contacted XXXX in an attempt to access my funds. I was told that they work with \" many third parties '' and that they do not have access to these accounts. The account is clearly held by XXXX XXXX This is how I know : My next step was to initiate a transfer from my XXXX XXXX account. I used XXXX routing number and the account number I found in my app. XXXX XXXX XXXX was able to connect to the account and verify it ( through the verification process of two small deposits ). XXXX XXXX XXXX shows the connection as XXXX XXXX. Not Oportun. So XXXX XXXX is confirmed as the account manager. Having made the connection between XXXX XXXX and XXXX XXXX, I then initiated a transfer. I spoke with XXXX XXXX XXXX who helped confirm that the request was legitimate and released a hold on their end. A day later, the transfer was canceled by Oportun XXXX XXXX with no notification. No email, no phone call, no text inquiring about the transaction prior to its being canceled. I, therefore, did not have a chance to speak with anyone about the reasoning behind the transfer cancellation. \n\nRecently ( XX/XX/2023 ) I reconnected the two accounts successfully from XXXX XXXX and requested a small transfer to see what the results will be. I have not yet found out. \n\nWhile I waited for this test, I also visited XXXX XXXX XXXX ( XX/XX/2023 ) and attempted to set up direct access to my funds using the XXXX Account Number which ended with a \" We were unable to process your enrollment. Try again, or contact customer support. '' They provided a telephone number which I called. None of the five options provided on the phone support system addressed managing personal accounts and I was unable to access a customer service representative. I then emailed them using their customer service email requesting a telephone conversation. I await a response from that. \n\nI am reporting this because it appears as though every pathway to my funds has been blocked. At the very least the business practices of Oportun XXXX XXXX XXXX appear to be highly unethical if not fraudulent. I appreciate any attempt you can make to resolve this situation for me. And to look deeper into these business practices on behalf of the many customers who have reported similar complaints online.","date_sent_to_company":"2023-06-09T16:28:14.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"01832","tags":null,"has_narrative":true,"complaint_id":"7095216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OPORTUN FINANCIAL CORPORATION","date_received":"2023-06-09T15:56:21.000Z","state":"MA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Summary -- - I am unable to transfer {$13000.00} in <em>savings</em> to an external bank XXXX XXXX XXXX XXXX due to what appears to be intentional roadblocks on the part of Oportun, Inc XXXX XXXX XXXX. \n\nI used the XXXX XXXX for <em>about</em> 18 months to help me with my <em>savings</em>. As a result, I saved {$13000.00}. 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