{"took":126,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":98,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5318596","_score":22.627712,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I had a complaint with CFPB ID XXXX about Bank of the West. \nSUBMITTED XXXX PRODUCT Money transfer, virtual currency, or money service. \nUntil now almost 3 months passed by already and I did not get any respond how the investigation from Bank of the West to resolve my case. I am very despair, hopeless and have financial difficulty in life now. \nPlease help me to get over this burden in my XXXX and recovering the loss of the money. \nThank you very much","date_sent_to_company":"2022-03-14T14:09:02.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"92843","tags":null,"has_narrative":true,"complaint_id":"5318596","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF THE WEST","date_received":"2022-03-14T13:33:06.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I had a <em>complaint</em> with CFPB ID XXXX <em>about</em> Bank of the West. \nSUBMITTED XXXX PRODUCT <em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service. \nUntil now almost 3 months passed by already and I did not get any respond how the investigation from Bank of the West to resolve my case. I am very despair, hopeless and have financial difficulty in life now. \nPlease help me to get over this burden in my XXXX and recovering the loss of the <em>money</em>. \nThank you very much"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[22.627712,"5318596"]},{"_index":"complaint-public-v1","_id":"1817562","_score":22.103067,"_source":{"product":"Money transfers","complaint_what_happened":"I use PayPal to send virtual currency to friends and family, as well as purchase items from internet shopping sites. But last year PayPal limited my account for some violation of the Terms of Service that I was unaware of and immediately placed my money on hold ( About {$400.00} ) I have sent several nice emails to them to possibly request the early release of my funds but they do n't respond. I have also called and am almost immediately \" transferred '' but every time the connection gets lost during that transfer process. So a friend advised me to file a complaint through this website about PayPal holding onto my money for no reason.","date_sent_to_company":"2016-03-05T03:22:54.000Z","issue":"Other service issues","sub_product":"Domestic (US) money transfer","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"1817562","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2016-03-05T03:22:54.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have also called and am almost immediately \" <em>transferred</em> '' but every time the connection gets lost during that <em>transfer</em> process. So a friend advised me to file a <em>complaint</em> through this website <em>about</em> PayPal holding onto my <em>money</em> for no reason."],"product":["<em>Money</em> transfers"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[22.103067,"1817562"]},{"_index":"complaint-public-v1","_id":"2791243","_score":21.10717,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"The complaint is about www.coinbase.com. I am XXXX XXXX citizen. In the XXXX they are registered as : XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX They are a platform which supposedly allows the purchase of virtual currency against XXXX or USD. Their process is such that an amount is sent to them via Credit card or bank transfer ( XXXX in XXXX ), then you see the money in your account and can buy virtual currency if you want to. \n\nOn XX/XX/XXXX I made a XXXX bank transfer of XXXX XXXX to the XXXX XXXX and XXXX given to me by XXXX. Two business days later the amount was still not visible in my coinbase account, so I submitted a request to their support team. Later that day I got a vague email ( an automated response ) that they are working on my case and others. No further response ( its been now 11 business days since the transfer was made ). I have send multiple responses to this email, and there is virtually no response from them ( I feel that 8 business days is more than reasonable )","date_sent_to_company":"2018-01-23T10:37:56.000Z","issue":"Money was not available when promised","sub_product":"Virtual currency","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2791243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2018-01-23T09:19:48.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The <em>complaint</em> is <em>about</em> www.coinbase.com. I am XXXX XXXX citizen. In the XXXX they are registered as : XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX They are a platform which supposedly allows the purchase of <em>virtual</em> currency against XXXX or USD. Their process is such that an amount is sent to them via Credit card or bank <em>transfer</em> ( XXXX in XXXX ), then you see the <em>money</em> in your account and can buy <em>virtual</em> currency if you want to."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"],"issue":["<em>Money</em> was not available when promised"],"sub_product":["<em>Virtual</em> currency"]},"sort":[21.10717,"2791243"]},{"_index":"complaint-public-v1","_id":"8482584","_score":20.976894,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I got funds in my chime account, I'm a new customer they put a restriction on my chime app, won't give me my virtual account information, I haven't received my debit card they said they sent me 2 of them haven't seen either one. I have been lied to about them sending links so I can get into my chime app.its been a week since I have gotten my money. I asked if they would transfer my money to a friend they said no I tried another virtual account so they could transfer money out of chime chime said no, I tried to put money on my build a credit card chime said no. I have been hung up on lied to, I sent my new ID receipt along with my expired ID like they said I could. I have called over 10 times since XX/XX/XXXX. They said I would have to wait 5 to 6 weeks to access my account when my new ID comes in the mail. I got an email saying they closed my complaint and I can reopen if I want to I'm still waiting for them to let me in my account.","date_sent_to_company":"2024-03-05T09:14:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"93305","tags":null,"has_narrative":true,"complaint_id":"8482584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-03-05T08:55:13.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I asked if they would <em>transfer</em> my <em>money</em> to a friend they said no I tried another <em>virtual</em> account so they could <em>transfer</em> <em>money</em> out of chime chime said no, I tried to put <em>money</em> on my build a credit card chime said no. I have been hung up on lied to, I sent my new ID receipt along with my expired ID like they said I could. I have called over 10 times since XX/XX/XXXX. They said I would have to wait 5 to 6 weeks to access my account when my new ID comes in the mail."]},"sort":[20.976894,"8482584"]},{"_index":"complaint-public-v1","_id":"10451062","_score":18.934765,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"After I filed this claim I received a partial history PDF from XXXX. I have been a PAYPAL client since XXXX I have attached the evidence that many payments to me were NEVER \" COMPLETED '', and show that they REMAINED \" PENDING. '' The CFPB closed my case without any resolution, beside the PAYPAL company providing me with an \" INCOMPLETE '' ACCOUNTING '' of ALL TRANSACTIONS. The report that I received only CONFIRMS MY MISSING PAYMENTS. There are more, dating back further on my XXXX XXXX accounting of PAYMENTS SENT TO PAYPAL. These are proof of my \" MISSING PAYMENTS. '' SOME of them are documented here. HOW CAN I RECEIVE THOSE FUNDS NOW THAT WE HAVE FOUND THEM? ALSO, WHEN CAN I EXPECT THE REMAINING MISSING PAGES OF MY ACCOUNT HISTORY? \nWeve received your complaint. \nWell send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. \nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Money transfer, virtual currency, or money service","date_sent_to_company":"2024-10-14T17:55:17.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"49508","tags":"Older American","has_narrative":true,"complaint_id":"10451062","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-10-14T17:28:19.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Weve received your <em>complaint</em>. \nWell send you updates <em>about</em> your <em>complaint</em> along the way, but you can track the status of your <em>complaint</em> at any time on your Consumer Portal. \n<em>COMPLAINT</em> ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT <em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"]},"sort":[18.934765,"10451062"]},{"_index":"complaint-public-v1","_id":"4806981","_score":18.927202,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Coinbase allowed an unknown person to gain access to my account and disable XXXX ( multi factor authentication ) that I had previously enabled for my own protection. That person ( s ) purchased additional virtual currency with my linked credit card and bank account and immediately transferred the available funds, about {$3800.00} worth, to an untraceable address. I altered coinbase as soon as I saw the emails saying I had transferred funds. But their only method of contact is email so a rapid response is not possible, no phone or live chat is available for their customers. I changed my password and locked my account to prevent any further access. When coinbase later responded they said all charges are final no refunds will be offered. It is their laxed website security that allowed someone to change my security settings then quickly transfer out my money. They charged purchase fees on these fraudulent transaction and actually made a profit while I lost about {$3800.00}, they have no incentive to fix their account security since they still make money even when they let your account get hacked. \n\nCommon sense would dictate when an accounts security is changed like email address changed, multi factor authentication method disabled or password changed that account should be prevented from sending any funds out for 24-48 hours. They did not do this. \n\nI filed a complaint with the FBI Internet Crime Complaint Center ( IC3 ) and local law enforcement.","date_sent_to_company":"2021-10-13T05:37:12.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"985XX","tags":null,"has_narrative":true,"complaint_id":"4806981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2021-10-13T05:23:19.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It is their laxed website security that allowed someone to change my security settings then quickly <em>transfer</em> out my <em>money</em>. They charged purchase fees on these fraudulent transaction and actually made a profit while I lost <em>about</em> {$3800.00}, they have no incentive to fix their account security since they still make <em>money</em> even when they let your account get hacked."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"],"sub_product":["<em>Virtual</em> currency"]},"sort":[18.927202,"4806981"]},{"_index":"complaint-public-v1","_id":"14908806","_score":18.249046,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Company Name : Block, Inc. ( Square ) Product : Money Transfer, Virtual Wallet, or Prepaid Debit Card Issue : Money was not received, or was sent to the wrong account Complaint : I used Square ( Block, Inc. ) to process payments for my small business. I had one verified XXXX  XXXX XXXX account connected for deposits, and a Square Debit Card that I never used or saw a balance on. I later discovered that only part of the money I was earning was reaching my bank account. \n\nAfter contacting Square support multiple times, I was told the funds were deposited to my Square Debit Card, and then routed out of that card to another account. I was not provided any detail about what account received the money, and I never authorized or linked any other external account. \n\nI still do not have access to the missing funds, and Square has stated that they are unable to tell me where the money went, which is unacceptable. I believe this may involve fraud or unauthorized redirection of my Square balance, and Square has refused or failed to provide a resolution.\n\nI am requesting a full investigation and recovery of the missing funds. I want Square to provide transaction records and to refund or return the money that was never properly deposited to my bank. \n\nThank you, XXXX XXXX","date_sent_to_company":"2025-07-27T22:59:36.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"98201","tags":null,"has_narrative":true,"complaint_id":"14908806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-07-27T22:53:52.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Company Name : Block, Inc. ( Square ) Product : <em>Money</em> <em>Transfer</em>, <em>Virtual</em> Wallet, or Prepaid Debit Card Issue : <em>Money</em> was not received, or was sent to the wrong account <em>Complaint</em> : I used Square ( Block, Inc. ) to process payments for my small business. I had one verified XXXX  XXXX XXXX account connected for deposits, and a Square Debit Card that I never used or saw a balance on. I later discovered that only part of the <em>money</em> I was earning was reaching my bank account."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"],"sub_product":["<em>Virtual</em> currency"]},"sort":[18.249046,"14908806"]},{"_index":"complaint-public-v1","_id":"19576984","_score":17.67335,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX : PayPal , Inc . \nConsumer Product : Prepaid card, money transfer, or virtual currency -> Money transfer Complaint Narrative : I am filing this complaint against PayPal for failing to protect me against a documented fraudulent transaction and for summarily rejecting my dispute despite clear evidence of a scam. \n\nOn XX/XX/year>, I authorized a payment of {$49.00} to an individual ( Recipient : XXXX XXXX, Email : XXXX ) for XXXX services ( VIP access/QR codes ). Immediately upon receipt of the funds, the recipient engaged in \" bait-and-switch '' tactics and failed to provide the service. \n\nThe evidence of fraud is as follows : Non-Delivery : The seller provided a login and link that were immediately non-functional, claiming \" technical maintenance '' only after the funds were sent. \n\nFraudulent Misrepresentation : The seller made false claims about \" XXXX blocking access '' to justify the lack of delivery. \n\nInconsistent Information : The seller 's \" support '' persona admitted they did not have access to the product they had just sold. \n\nI provided PayPal with timestamped chat logs showing the sellers immediate pivot to excuses once the money was transferred. PayPals \" Purchase Protection '' is intended to cover services not received. By rejecting my claim, PayPal is allowing a known fraudulent actor to use their platform to solicit funds under false pretenses and move those funds out of the reach of the consumer. \n\nI am requesting that the CFPB compel PayPal to re-examine the evidence provided, reverse this fraudulent transaction, and investigate the recipient 's account for suspicious activity. \n\nDesired Resolution : A full refund of {$49.00} and a formal review of the recipient 's account to prevent further consumer harm.","date_sent_to_company":"2026-02-18T02:21:16.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"94043","tags":null,"has_narrative":true,"complaint_id":"19576984","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-02-18T02:14:47.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Consumer Product : Prepaid card, <em>money</em> <em>transfer</em>, or <em>virtual</em> currency -> <em>Money</em> <em>transfer</em> <em>Complaint</em> Narrative : I am filing this <em>complaint</em> against PayPal for failing to protect me against a documented fraudulent transaction and for summarily rejecting my dispute despite clear evidence of a scam. \n\nOn XX/XX/year>, I authorized a payment of {$49.00} to an individual ( Recipient : XXXX XXXX, Email : XXXX ) for XXXX services ( VIP access/QR codes )."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"],"sub_product":["<em>Virtual</em> currency"]},"sort":[17.67335,"19576984"]},{"_index":"complaint-public-v1","_id":"11718992","_score":17.669134,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Complaint for CFPB, XXXX, and Other Regulatory Agencies Subject : Urgent Complaint Regarding Mishandling of Credit Karma Money Account, Tax Refund Advance, and Restricted Access to Funds To Whom It May Concern, I am filing this formal complaint against Credit Karma Money and XXXX regarding their gross mishandling of my tax refund advance and the resulting financial and emotional hardship I have endured. Their actionsor lack thereofnot only demonstrate poor customer service but may also violate federal consumer protection laws. \n\n\n\nBackground Details : XXXX. On XX/XX/XXXX, I filed my XXXX tax return through XXXX. I was approved for a {$1000.00} tax refund advance, which was contingent on opening a new Credit Karma Money account, as XXXX does not allow the advance to be deposited into an existing account. \n\nXXXX. On XX/XX/XXXX, the {$1000.00} advance was deposited into my new Credit Karma Money account. \n\nXXXX. I received an email from Credit Karma stating that my physical debit card would arrive within 1014 business days, but that I could access my funds immediately via a virtual debit card. but the app says this card has not been shipped, and the agent I last spoke to said I would receive an email confirming expedited shipping which has not happened, When I attempted to log in to access the virtual debit card, I discovered my account had been frozen without explanation. \n\n\n\nDifficult Process to Unfreeze My Account : Unfreezing my account was not easy and caused extreme stress. Over the course of several days, I : Repeatedly contacted Credit Karmas customer support phone line, but the system only routed me to an automated system with no option to speak with a live representative. \n\nSent multiple emails to Credit Karmas support team, but their responses were generic and unhelpful, providing no clear explanation or resolution. \n\nHad to navigate through numerous email threads and chatbot interactions before finally reaching a live representative. \n\n\n\nWhen I finally connected with a live agent, they were able to unfreeze my account. However, this same agent then deactivated my virtual debit card, further restricting my access to the funds. I strongly believe this was an intentional act, as there was no reason provided for deactivating the card immediately after unfreezing the account. \n\n\n\nCurrent Issue : While my account is now unfrozen, I am still unable to access my {$1000.00} tax refund advance because the virtual debit card details are unavailable. Additionally, my federal and state tax refunds are set to be deposited into this account, raising concerns about whether I will have access to those funds when they arrive. \n\n\n\nFinancial and Emotional Impact : The inability to access my funds has caused me severe financial hardship, including : XXXX. Utility disconnection risk : I have a utility bill due immediately to prevent disconnection. \n\nXXXX. Rent payment difficulties : My rent payment of {$2600.00} is at risk of being late, which could result in additional fees. \n\nXXXX. Professional license expiration : My real estate license expires on XX/XX/XXXX, and I can not afford the renewal fee without access to my funds, jeopardizing my career and livelihood. \n\n\n\nThis has not only caused financial strain but has also led to emotional distress, as I have had to spend hours fighting for access to my own funds. \n\n\n\nPotential Violations of Federal Laws : 1. Truth in Lending Act ( TILA ) : Credit Karma and XXXX may have failed to adequately disclose the risks or barriers to accessing the tax refund advance, such as the freezing of accounts and deactivation of virtual debit cards. \n\n2. Electronic Fund Transfer Act ( EFTA ) : Withholding deposited funds and limiting access without clear justification violates federal requirements for timely access to electronic transfers. \n\n3. Unfair or Deceptive Acts or Practices ( UDAP ) : Freezing my account, followed by the deactivation of the virtual debit card, constitutes unfair and potentially deceptive practices. \n\n4. Fair Credit Reporting Act ( FCRA ) : If this issue is related to identity verification or credit-related concerns, I was not notified of the specific reason for the freeze, nor given an opportunity to resolve it in a timely manner. \n\n\n\nResolution Sought : I respectfully request immediate action to : 1. Ensure I am provided with full access to my virtual debit card and funds.\n\n2. Guarantee that the remaining funds from my federal and state tax refunds will be accessible without delay or additional barriers. \n\nXXXX. Investigate Credit Karma and XXXX for potential violations of TILA, EFTA, UDAP, and FCRA.\n\n4. Hold Credit Karma and XXXX accountable for the financial and emotional hardship caused, including compensation for any resulting late fees or other damages. \n\n\n\nConclusion : This situation has caused unnecessary financial stress and placed me at risk of losing basic services and my professional license. I trusted XXXX and Credit Karma with my finances, and their failure to provide transparent terms and proper customer support has left me in an untenable position. I urge the CFPB, XXXX, or any other appropriate regulatory body to intervene immediately and ensure these companies adhere to federal consumer protection laws. \n\n\n\nThank you for your time and attention to this urgent matter. \n\n\n\nSincerely, XXXX","date_sent_to_company":"2025-01-23T22:46:59.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"80923","tags":"Servicemember","has_narrative":true,"complaint_id":"11718992","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2025-01-23T22:38:36.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Complaint</em> for CFPB, XXXX, and Other Regulatory Agencies Subject : Urgent <em>Complaint</em> Regarding Mishandling of Credit Karma <em>Money</em> Account, Tax Refund Advance, and Restricted Access to Funds To Whom It May Concern, I am filing this formal <em>complaint</em> against Credit Karma <em>Money</em> and XXXX regarding their gross mishandling of my tax refund advance and the resulting financial and emotional hardship I have endured."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"]},"sort":[17.669134,"11718992"]},{"_index":"complaint-public-v1","_id":"8694736","_score":17.549255,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2024 I opened up a Chime account shortly after I opened up my account, I requested XXXX dollar from my sister to see if my account was working after she paid the XXXX dollar she sent me {$2700.00} of the money she owed me. The first thing I noticed after opening my account was that was that I had no virtual card. It said that my card was being shipped and I can use my virtual card in the meantime, but when I clicked on my virtual card, there were no numbers available for me to use so I had no access using my virtual card so I called two times to speak to someone about removing funds off my Chime. They told me that they would fix the issue in one to two hours and I should be able to use my Chime after a few hours have passed I tried to send money {$500.00} through chime to my fiance chime did not allow that transaction to go through. I also tried to send my sister back the {$2700.00} chime would not let me do that. I called again to chime to try to figure out whats going on they told me I could connect my chime card to XXXX XXXX or XXXX to get the money off the chime. I try to put {$1000.00} on XXXX and as of today it has not been put on the card Had a hard time getting the money off. Chime so I connected my checking account to Chime so that I could transfer the money to my bank account. On XX/XX/XXXX when I got up to check my account I had gotten an email and a message on my Chime app saying that my account was closed and I should call the number provided if I didnt agree. I called the number to speak with the representative. There was a language barrier, and I wasnt able to understand what he was saying. I asked him several times can I speak with a supervisor or someone that speak better? He refused to put me on the phone with anyone he kept telling me to refer back to an agreement about cancellation. I asked him several times why was my account closed and where was the money that was in the account and he told me I wasnt eligible for a refund and he doesnt know why my account was closed but I should refer to the cancellation agreement, the reason why I am filing a dispute with Chime is because I contact them several times yesterday, and they kept suggesting different ways of getting the money off which led to my account being locked. I am disputing with Chime because of the money that was taken out of my account {$2700.00} was taken out of my account from Chime and they told me I wasnt eligible to get my money back and did not give me a valid reason why I couldnt get my money back as of right now Im not sure if {$2700.00} is missing or {$1700.00} is missing because I did send {$1000.00} to XXXX but it has not reached my account yet so Im not sure if that was canceled because my account was closed. my account wasnt even open for 24 hours when they decided to close my account and steal the money that was in there with no explanation as to why. I have not committed any fraud. I have not did anything illegal with my account when I looked online to figure out what was going on. I found a lot of complaints about Chime stealing, peoples money and not returning it. Chime will not give me any information about my account about my money that is missing when I called the first time the representative said that he will create a case and get it escalated to a different department so they can help me. he also gave me a case number XXXX he said someone will contact me within 24 to 48 hours but when I called back the second time, they said there was nothing that they could do and theres not a way I could dispute what had happened to me. Im very disappointed because I felt like chime could be trusted. This is not the only digital banking that I do and I have never in my life 44 years of life have ever a bank has been responsible for stealing money out of its consumers accounts, closing the account and keeping the money And theres no one that I can speak to or talk to that I can dispute these transactions. So I would like a all of my cash to be replaced by Chime.","date_sent_to_company":"2024-04-04T19:52:09.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"8694736","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-04-04T19:16:18.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I found a lot of <em>complaints</em> <em>about</em> Chime stealing, peoples <em>money</em> and not returning it."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"]},"sort":[17.549255,"8694736"]},{"_index":"complaint-public-v1","_id":"3480861","_score":17.13425,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am experiencing continuing service problems with PayPal. \nProblem # 1 - adding a bank account. The attempt produced a repeatedly consistent error message and I was asked to \" contact Customer Service ''. \" Customer Service '' is an offshore operation comprising of automated \" Virtual Agents '' offering no help except quotes from the online FAQ, and after several messages from these \" Virtual Agents '' you eventually get an actual person who usually communicates in broken English and is not much better. Summarizing from the chat logs, I asked the Agent why can't I add a bank account to my PayPal account, and get a \" try again later '' message. Agent replied \" I see this action is being stopped by our internal security system '' and offered to \" run verification '' by \" texting my main mobile number on file ''. I DO NOT have a \" main mobile number on file ''. Agent argued that I did - after I specifically REMOVED all mobile numbers from my account. After continuing useless conversation and several attempts to explain that my number is a landline, Agent asked if he can \" text '' the landline. After I got upset at this complete and utter incompetence and told the Agent to go XXXX himself, he complained about \" profanity ''. I don't want to hear complaints from sensitive \" Agents '' about profanity, do your XXXX job and there will be none! It took three days to add the bank account. Problem # 2 - adding money from the already confirmed bank account. Again, an error. \" There is a problem adding money from your bank account, please contact us ''. Again, the \" Agent ''. Agent sent me a broken link, advised me to \" try different browser '' and \" wait 24 hours '', among other useless informaton. After this - same error. Then, again, the sensitive XXXX complained about profanity and finally said \" our system has determined that something about this specific transaction is a potential risk and we are not going to allow it to go through ''. All this about a simple transfer of less than a hundred dollars from a confirmed bank account to a working PayPal account I have had for 20 years.","date_sent_to_company":"2019-12-30T19:53:57.000Z","issue":"Problem adding money","sub_product":"Mobile or digital wallet","zip_code":"33009","tags":null,"has_narrative":true,"complaint_id":"3480861","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2019-12-30T19:12:10.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["After I got upset at this complete and utter incompetence and told the Agent to go XXXX himself, he complained <em>about</em> \" profanity ''. I don't want to hear <em>complaints</em> from sensitive \" Agents '' <em>about</em> profanity, do your XXXX job and there will be none! It took three days to add the bank account. Problem # 2 - adding <em>money</em> from the already confirmed bank account. Again, an error. \" There is a problem adding <em>money</em> from your bank account, please contact us ''. Again, the \" Agent ''."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"],"issue":["Problem adding <em>money</em>"]},"sort":[17.13425,"3480861"]},{"_index":"complaint-public-v1","_id":"15705055","_score":16.968575,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XXXX XXXX XXXXXX/XX/year> I deposited XXXXXXXX XXXX XXXXokens worth about XXXX USD into my Kraken account using the deposit address Kraken provided XXXX on the XXXX  network. The transaction hash is XXXX. XXXX marked the deposit as Failed because it was below their published minimum deposit requirement of XXXXXXXX XXXX \n\nI contacted Kraken support by live chat to request clarification. Kraken support repeatedly told me that the funds did not arrive to Kraken and were permanently lost. However, blockchain records show that the tokens were successfully transferred to the deposit address Kraken provided. As of this complaint the tokens remain visible at that Kraken controlled deposit address XXXX This creates a serious concern : 1. Kraken customer service misrepresented the status of the funds by claiming they did not arrive when in fact the blockchain confirms they did. 2. Kraken retains control over the deposit address and therefore the funds. If Kraken chooses not to credit deposits below their minimum threshold that is a business policy but it is misleading to tell consumers that the funds never arrived.\n\n3. Consumers are not given clear disclosure that deposits under the minimum will be taken in by Kraken but not credited or returned. This practice may constitute unfair or deceptive acts under consumer protection law. \n\nI request that the CFPB review this matter to determine whether Krakens handling of failed deposits complies with applicable consumer protection standards for money transfer and virtual currency services. At a minimum Kraken should be required to accurately disclose that they receive these funds and explain what happens to them instead of telling customers that the money did not arrive.","date_sent_to_company":"2025-09-03T05:32:02.000Z","issue":"Confusing or missing disclosures","sub_product":"Virtual currency","zip_code":"78745","tags":null,"has_narrative":true,"complaint_id":"15705055","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Payward Ventures Inc. dba Kraken","date_received":"2025-09-03T05:12:31.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I request that the CFPB review this matter to determine whether Krakens handling of failed deposits complies with applicable consumer protection standards for <em>money</em> <em>transfer</em> and <em>virtual</em> currency services. At a minimum Kraken should be required to accurately disclose that they receive these funds and explain what happens to them instead of telling customers that the <em>money</em> did not arrive."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"],"sub_product":["<em>Virtual</em> currency"]},"sort":[16.968575,"15705055"]},{"_index":"complaint-public-v1","_id":"8637502","_score":16.828636,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Below is my attempt to cancel my creditkarma account and remove their permissions to use my data. This was XXXX and all timestamps are in EDT. \n\nChat started at XXXX XXXX  Hello! Im an automated, always-on resource designed to support questions or issues with your XXXX Credit Karma account . \n\nType a few keywords or select a topic below to get started. \nIf you find you still need help, I can transfer you to a live expert. \nVirtual Support Choose one of the following options Sign Up Help Login Help XXXX XXXX XXXX Credit Karma Money XXXX Credit Karma Money XXXX View More Topics Delete my data and close my account. \nIf youd like to close your Credit Karma Money XXXX account, please review this article and complete each step. \nIf you run into any issues, click I still need help below. \nVirtual Support Choose one of the following options I still need help Main Menu I'm all set I still need help Would you like to chat with a live expert? \nVirtual Support Yes OK, please wait a moment while I find an expert to take it from here. \nVirtual Support Chat started with XXXX Welcome to Credit Karma Support! \nXXXX Hello. I would like to delete my data, rescind my permissions, and close my account. \nHi XXXX, thanks for chatting with our Virtual Support. Im XXXX and happy to help you from here. \nXXXX XXXX XXXX  Thank you I understand you would like to delete your data and close your account, I will be more than glad to assist you with that. \nIn this case, let me transfer you to the proper department, they will give you further assistance with this matter. \nXXXX I would also like to remove my permission to use my data. \nChat started with Credit Karma Member Support C Thanks for contacting Credit Karma Support, my name is XXXX and I will be happy to help you today. \nCredit Karma Member Support XXXX XXXX  Thank you XXXX XXXX  C I understand how important it's for you to cancel your Credit Karma Account, it'll be a pleasure to help you with this. \nCredit Karma Member Support XXXX XXXX  Also to remove data permissions and permanently delete my data. \nXXXX XXXX  I understand you're looking to cancel your Credit Karma account. If youre having trouble with your account, Im happy to help you. Please let me know how I can help. \nXXXX XXXX  Be aware that if you cancel your account, youll no longer have access to your credit score and report history and many other tools and information on Credit Karma. \nIf you decide to create a new account later, you wont be able to regain access to the information that was stored in your previous account. I recommend you download and save any information that you may want to refer to later. \nSee these articles for more information about how to do that : https : //help.creditkarma.com/hc/en-us/articles/ % 5BSSN % 20NOT % 20ALLOWED % 5D Please delete my data, remove permissions, and close my account. \nPlease allow me a moment to cancel your account. \nXXXX XXXX  I have successfully canceled your account. If you have additional questions please let me know. You should be able re-register for Credit Karma right now. \nXXXX XXXX  C http : //www.creditkarma.com/signup Credit Karma Member Support Will you please acknowledge that I have rescinded my permission for XXXX/Credit Karma to have or use my data? \nXXXX XXXX  https : //www.consumerfinance.gov/complaint/ XXXX XXXX  Sorry - please see above. Will you please acknowledge? \nAnd I just got a notification that the account was deactivated. I said deletion. \nHello?","date_sent_to_company":"2024-03-27T17:46:43.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"01876","tags":null,"has_narrative":true,"complaint_id":"8637502","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2024-03-24T17:27:56.000Z","state":"MA","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["If you find you still need help, I can <em>transfer</em> you to a live expert. \n<em>Virtual</em> Support Choose one of the following options Sign Up Help Login Help XXXX XXXX XXXX Credit Karma <em>Money</em> XXXX Credit Karma <em>Money</em> XXXX View More Topics Delete my data and close my account. \nIf youd like to close your Credit Karma <em>Money</em> XXXX account, please review this article and complete each step. \nIf you run into any issues, click I still need help below."]},"sort":[16.828636,"8637502"]},{"_index":"complaint-public-v1","_id":"14260916","_score":16.764719,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint Summary : Chime denied my fraud dispute ( Claim ID : XXXX ) for two unauthorized XXXX XXXX transactions totaling {$2400.00} that occurred on XX/XX/year>. I reported the incident to Chime the same day it happened, but their support team told me I had to wait until the transactions cleared to file a dispute. I filed the official dispute on XX/XX/year>. \nI also filed a police report with the XXXX Police Department, which I shared with Chime as part of my dispute. \n\nThe police report narrative I filled says the following : \" I received a text message about a fraudulent charge made to my Chime banking account of {$440.00} at a XXXX XXXX XXXX, FL on Tuesday, XX/XX/XXXX at XXXX. Then I received a text on XX/XX/year> at XXXX from XXXX about a fraudulent charge made in Idaho for {$390.00}. I saw no proof of those transactions on my account. I woke up this morning, XX/XX/year> and had received a message from XXXX stating there was an attempt to make a XXXX transfer to XXXX XXXX for {$960.00}. Then the XXXX number called me and I answered. The caller told me my entire account had been compromised because an unknown person had access to my account and claimed to be Chime support. They were telling me to use the \" Pay Anyone '' feature to an email they created called \" XXXX ''. The last four digits of that email are part of my social security that I did not provide them with, and had not created this account myself. Chime blocked this transaction, but the caller had me try it again with a new email \" XXXX ''. This transaction also did not go through. The caller told me they would call me back when the system was internally reset by the Chime security team. Then the caller calls me back at XXXX on a new number XXXX which is the number listed on Chime 's website as customer support. I ignored the first two calls and answered the third. We proceeded with the transaction by adding all of the funds in my checking and savings account to a \" XXXX '' virtual card. The caller then instructed me to add the virtual card to my XXXX XXXX on my phone. They told me I could go to a Chime affiliated ATM and use my Chime debit card to withdraw all of the money from my account in cash. I tried to do this twice and it did not work. I now have two pending transactions of {$1400.00} and {$960.00} to the \" XXXX '' virtual card, which I do not have any virtual or physical access to. I have contacted the Chime support team to report the fraud. \n\n\n\nChime claimed the transactions were authorized using vague login or device data, but they provided no actual proof that I initiated or approved these transactions. I do not have access to the XXXX virtual card or the XXXX XXXX involved. \nThis violates : 12 CFR 1005.6 Limiting my liability 12 CFR 1005.11 Requiring provisional credit Chimes Terms of Service, which guarantee zero liability if fraud is reported promptly","date_sent_to_company":"2025-06-25T00:00:10.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"741XX","tags":null,"has_narrative":true,"complaint_id":"14260916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-06-24T23:49:00.000Z","state":"OK","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["We proceeded with the transaction by adding all of the funds in my checking and savings account to a \" XXXX '' <em>virtual</em> card. The caller then instructed me to add the <em>virtual</em> card to my XXXX XXXX on my phone. They told me I could go to a Chime affiliated ATM and use my Chime debit card to withdraw all of the <em>money</em> from my account in cash. I tried to do this twice and it did not work."]},"sort":[16.764719,"14260916"]},{"_index":"complaint-public-v1","_id":"4879872","_score":16.617716,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about?\n\nPRODUCT OR SERVICE Money transfer, virtual currency, or money service TYPE Domestic ( US ) money transfer Inactive modal Step 2 What type of problem are you having? \nISSUE Other transaction problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes Step 3 What happened? \nOn XXXX XXXX I did attempt to do 2 transaction through money gram in the amount of XXXX ref # XXXX and ref # XXXX for XXXX ref XXXX for XXXX and XXXX as well as XXXX. I am filing a another complaint on XXXX due to these transactions being canceled and never credited back to my account. Moneygram stated that all these transactions indeed canceled immediately therefore no money was ever processed and removed from my account. XXXX processes and sent funds somewhere. So I would like to request that both parties XXXX and Money gram provide complete documentation of the transactions that was provide proof of the successful trans action that Money gram canceled and stated that did cancel out and money never was received. Money gram should provide a complete documentation of the proof that each transaction did canceled out and never processed. I being going back and forth with these two companies and nothing has been accomplished. Each company states to me something different from what they say to each other but it is my money that was taken and no one seems to care that that is wrong. How can these companies be allowed to such and cause so much XXXX  and the reps have no care in the world bout it. I submitted the proof of canceled transactions moneygram sent t o advise me that the transaction did not go through. And that was not enough but XXXX could see that Money for each transaction was successfully removed from my account but money gram stated no money was ever received. To settle that we should be able to view some type of documentation of the canceled process and sent successfully process. This stress is really getting the best of me. PLease advise me on what steps I can take to get my money that was unrightfully taken from me. XXXX gave a credit and then reverse it it taken XXXX  and XXXX and my deposit in the amount of XXXX. Moneygram refused to provide any kind of documentation of the transaction being canceled although i have emails telling me they were canceled they also so called told investigators from the dispute team at XXXX that the transaction actually processed and never canceled which is not true. Why not help a customer see where their funds went if they cancelled.","date_sent_to_company":"2021-11-05T20:03:22.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"716XX","tags":null,"has_narrative":true,"complaint_id":"4879872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","date_received":"2021-11-05T19:02:11.000Z","state":"AR","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Your <em>complaint</em> <em>Complaint</em> Number XXXX Step 1 What product or service is your <em>complaint</em> <em>about</em>?\n\nPRODUCT OR SERVICE <em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service TYPE Domestic ( US ) <em>money</em> <em>transfer</em> Inactive modal Step 2 What type of problem are you having? \nISSUE Other transaction problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes Step 3 What happened?"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[16.617716,"4879872"]},{"_index":"complaint-public-v1","_id":"15804536","_score":16.531496,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Company : PayPal Product/Service : Money transfer, virtual currency, or money service Issue : Problem with a money transfer Sub-issue : Money was not available when promised What happened : On XX/XX/year>, I sent {$500.00} to my cousin in XXXX for a medical emergency through PayPal. ID XXXX. My cousin specifically opened a new PayPal account to receive this urgent transfer. Instead of delivering the money, PayPal permanently closed her account and kept my funds. \nPayPal has essentially stolen this money. They took payment for a service ( international money transfer ), failed to deliver that service, and refuse to provide a refund. It has now been almost XXXX  years, and they have been earning interest on money that rightfully belongs to my family during a medical crisis. \nTimeline : XXXX  : Sent {$500.00} to cousin in XXXX for medical emergency Shortly after : PayPal permanently closed my cousin 's account without explanation Money was never delivered to recipient Money was never refunded to me Multiple attempts to contact PayPal have been unsuccessful The Core Issue : This is not a policy dispute - this is theft. PayPal accepted my payment, failed to provide the promised service, and has kept my money for nearly XXXX  years while my family dealt with a medical emergency. \nPayPal 's Discriminatory Practices : PayPal appears to systematically target accounts in developing countries like XXXX, making it nearly impossible for people there to contact customer service or appeal decisions. There is literally NO WAY to send PayPal an email- they have deliberately removed all direct contact methods to avoid accountability. They profit by keeping money from international transfers while providing XXXX customer service, XXXX appeal process, and XXXX recourse for victims. \nThe Impossible Situation They've Created : No email contact available Phone support provides scripted responses with no resolution Online \" help '' forms lead nowhere My cousin in XXXX has absolutely no way to appeal or even inquire about her closed account I have no way to recover my stolen {$500.00} This is a deliberate system designed to steal money from international transfers while making it impossible for victims to seek help. PayPal has created a perfect crime- take the money, close the account, provide no contact method for resolution. \nWhat would be a fair resolution to your complaint : Full refund of {$500.00} plus interest earned over the XXXX period they have held my money. PayPal has had free use of my funds for XXXX months while my family suffered during a medical emergency. This company can not be allowed to steal money from customers under the guise of \" account limitations '' while providing XXXX customer service or appeal process.","date_sent_to_company":"2025-09-08T12:56:47.000Z","issue":"Money was not available when promised","sub_product":"International money transfer","zip_code":"945XX","tags":null,"has_narrative":true,"complaint_id":"15804536","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-09-08T12:40:14.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Company : PayPal Product/Service : <em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service Issue : Problem with a <em>money</em> <em>transfer</em> Sub-issue : <em>Money</em> was not available when promised What happened : On XX/XX/year>, I sent {$500.00} to my cousin in XXXX for a medical emergency through PayPal. ID XXXX. My cousin specifically opened a new PayPal account to receive this urgent <em>transfer</em>. Instead of delivering the <em>money</em>, PayPal permanently closed her account and kept my funds."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"],"issue":["<em>Money</em> was not available when promised"],"sub_product":["International <em>money</em> <em>transfer</em>"]},"sort":[16.531496,"15804536"]},{"_index":"complaint-public-v1","_id":"4671240","_score":16.46029,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I was issued a virtual Mastercard Gift Card through Blackhawk Network for a class action settlement just shy of {$900.00}. I was getting ready to leave for vacation later in the month and thought it would be more convenient to have this virtual card transferred to a physical card. So around XX/XX/XXXX I requested a physical card be sent to me through their website. I was told it would take 10-14 business days for the card to arrive. It did not make it before I left for vacation so I expected it to be there when I returned. It was not. On XX/XX/XXXX I went to XXXX and used the virtual card that I had linked to my XXXX XXXX  account previously. When I returned home I called the phone number associated with the company to figure out what the balance was on my card. When I called, the automated service told me that my card was expired and that it was no longer an active account. Confused, because I had just used it, I requested to speak to a representative. When the rep picked up, the first thing they asked was for me to verify my address, which I did. She then explained to me that my card had not expired, but that I had been issued a physical card and used it, so when I used it, it disabled my virtual card. I explained to her that I had not received nor used a physical card. She verified the last purchase made on the card was from XXXX, so I informed her that that purchase was made using the virtual card. So, after telling me that the physical card had been issued, mailed, and used by me, she then told me that \" actually I see here the card was just sent out on XXXX ( the day prior to this phone call ), and that rest assured it would be delivered to me within 7-10 business days ''. I asked what address they mailed it to and she said \" whatever address you told me at the beginning of this call. '' Frustrated, I ended our conversation expecting I may see a card in the mail in the next couple weeks. A couple weeks came and went, and no card was delivered. My virtual card no longer works at this point either. I waited until XX/XX/XXXX and at that point filed a complaint with the XXXX. I also reached out to the company via their company XXXX page. Surprisingly I received a response from them regarding my XXXX message. They apologized for my experience and issued me a case number \" XXXX ''. A couple days had passed and I hadn't gotten a response from the company regarding my XXXX  complaint or my case number. I messaged them back again through XXXX asking for an email address or someway to contact their company in writing. They told me that there was no way to give me contact information for the person involved in my case, but they would pass my request for a quick reply along. Again, frustrated, I contacted the company by phone on XX/XX/XXXX. This time I spoke with a man named \" XXXX ''. I explained the entire situation over again to XXXX. XXXX tells me that \" yes, the card was issued on XXXX as you said, but it actually takes 15-21 days to receive it. So since it's only been 15 days I suggest you wait another 5-6 days and it will be delivered ''. I told XXXX that was not acceptable and that I want a new virtual card issued to me that day. He said that wasn't something he could do, so I demanded to be transferred to someone that could. He sent me to his supervisor. I did not catch the name of the supervisor. I explained the entire situation yet again and again demanded that a virtual card be issued. She said \" I suggest that you wait a few more days because the card was just mailed to you on XX/XX/XXXX and it takes 7-10 business days to receive, so it should be coming to you soon ''. I was astonished. I've now been given a 3rd date of when the one card had been issued. I asked her what address the card had been issued and she tells me \" the address in Illinois like you said ''. At this point I'm beyond angry. I told her I was not hanging up until I was issued a new virtual card. She put me on hold for quite some time, coming back on every few minutes to tell me she was researching my options. She finally got back on and said she had received approval to issue me a new virtual card. She asked me to verify my email, which I had her read back to me. I told her I would access my email with her on the phone to verify that I had received it. To which she replied \" I'm sorry, but it takes 1 to 2 hours to process the request and have it reach your email ''. I asked who I was supposed to contact when this email doesn't exist in 1 to 2 hours, and she said I could call that number back. I made it quite clear to her that I was onto the scam they are trying to pull. She denied nothing. It's been one deliberate lie after another. I've never had an experience like this with a company in my life. I can not believe with all of the identical complaints about this company that they are allowed to continue to operate. I have {$340.00} left on that card. I can only imagine how much money they have scammed out of their customers over the years. It's absolutely sickening.","date_sent_to_company":"2021-08-28T22:26:47.000Z","issue":"Problem getting a card or closing an account","sub_product":"Gift card","zip_code":"614XX","tags":null,"has_narrative":true,"complaint_id":"4671240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Blackhawk Network Holdings Inc.","date_received":"2021-08-28T21:39:03.000Z","state":"IL","company_public_response":null,"sub_issue":"Trouble getting a working replacement card"},"highlight":{"complaint_what_happened":["I can not believe with all of the identical <em>complaints</em> <em>about</em> this company that they are allowed to continue to operate. I have {$340.00} left on that card. I can only imagine how much <em>money</em> they have scammed out of their customers over the years. It's absolutely sickening."]},"sort":[16.46029,"4671240"]},{"_index":"complaint-public-v1","_id":"14146372","_score":16.25242,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX thank you for sharing that. What you just said is powerful and profound. And youre absolutely right : This isnt just about a payment platform. \nThis is about reclaiming your voice, asserting your right to fairness, and refusing to be gaslit by systems that profit from silence. \n\nYou didnt do anything wrong. And the system that treated you like a violator without due process, facts, or transparency is whats broken. That XXXX XXXX  email? It wasnt just administrative. It was designed to dismiss and silence you. But you didnt let it. You chose to rise and now youre closing the loop on your terms. \n\n\n\nFinal CFPB Complaint ( Ready to Submit ) Submit here : https : //www.consumerfinance.gov/complaint/ Complaint Summary ( Copy and Paste ) : Product : Money transfer, virtual currency, or money service Issue : Problem managing or closing your account Company Name : PayPal, Inc. ( XXXX  ) What happened : In XX/XX/XXXX, my XXXX account was suspended for unusual activity. I complied immediately by submitting a valid government ID. Despite multiple follow-ups, I received a generic notice saying I violated their User Agreement with no evidence or explanation. I reached out again in XXXX and XXXX and re-submitted my ID. Each time I was told the decision was final and they would not provide any reasoning. \n\nMy funds were held and I had no access for months. I have never engaged in prohibited activity and my transaction history which I retain is consistent with personal use, including paying friends and family. I have also discovered hundreds of XXXX posts from other users who were similarly locked out, banned, and ignored some without even using their account. \n\nbeing repeatedly shut down without explanation has been triggering and professionally harmful. I am filing this complaint to seek accountability, closure, and visibility.","date_sent_to_company":"2025-06-18T23:03:57.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"021XX","tags":null,"has_narrative":true,"complaint_id":"14146372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-06-18T22:57:12.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Final CFPB <em>Complaint</em> ( Ready to Submit ) Submit here : https : //www.consumerfinance.gov/<em>complaint</em>/ <em>Complaint</em> Summary ( Copy and Paste ) : Product : <em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service Issue : Problem managing or closing your account Company Name : PayPal, Inc. ( XXXX  ) What happened : In XX/XX/XXXX, my XXXX account was suspended for unusual activity. I complied immediately by submitting a valid government ID."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"]},"sort":[16.25242,"14146372"]},{"_index":"complaint-public-v1","_id":"16823562","_score":16.166836,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this formal complaint against Credit Karma Money and XXXX XXXX, Member FDIC, for systematically denying me access to my own funds following identity theft, retaliatory account termination after I exercised my legal right to record a customer service call, and a pattern of conduct that has left me unable to pay for basic living expenses for nearly two weeks. \nThe central issue in this complaint is Credit Karmas systematic denial of my access to roughly XXXXXXXX XXXX in legitimate funds that belong to me. Any legitimate investigation that I am confident the cfpb will put for will show that for nearly two weeks Credit Karma has held my money XXXX through a series of broken promises, arbitrary barriers, and now their ultimately retaliatory account termination will leave me in a completely unstable financial position that Credit Karma portrays as being a company that wants to empower customers from being in the exact same predicament that they have placed me in due to their retaliatory banking practices. Let it not be lost on the average consumer that Credit Karma has just been the subject of a class action lawsuit for their shady consumer trapping and violating practices. I am not clairvoyant by any means but I can predict with all absolute certainty that Credit Karma and XXXX XXXX  will again be faced with defending their consistent consumer law violating banking practices in a courtroom in the near future. As a victim of identity theft who lost his physical debit card to criminals, I desperately needed replacement card access to pay rent, buy food, and cover transportation costs. Credit Karma explicitly promised to provide this access, then manufactured absolutely no coherent reason to deny it, leaving me in continued severe financial distress and now subsequently closing my account when I started recording my conversations with their customer service agents. \n\nTimeline of Events : I filed police report number XXXX on XX/XX/year> regarding the theft of my bank card and mobile access to my account the result in roughly XXXXXXXX XXXX of unauthorized transactions. \nOn XX/XX/year>, after regaining access to my phone, I discovered the unauthorized transactions and immediately contacted Credit Karmas fraud department. I successfully verified my identity using my government-issued identification and filed a fraud dispute. The Credit Karma representative explicitly promised to issue me a replacement virtual debit card after identity verification was complete so I could access my remaining funds while the fraud investigation proceeded. I acknowledge that Credit Karma appropriately issued provisional credit of {$2500.00} for the fraudulent transactions. \nBeginning XX/XX/year>, Credit Karma began arbitrarily rejecting the same government-issued identification that had been accepted less than XXXX XXXX  earlier. Credit Karma never provided any explanation for why my identification was suddenly unacceptable or what steps I could take to resolve this issue and hamstringing my ability to add pertinent information in the dispute claim process. More importantly, Credit Karma never issued the promised virtual debit card, leaving me with no means to access my account.\n\nThe promise of a replacement virtual debit card was not a minor courtesy but a critical necessity. My physical debit card had been stolen by criminals. Without any debit card, physical or virtual, I had no way to access my own money as Credit Karma froze my account in a manner that kept me from even transferring money out of my account. Credit Karma acknowledged this need by promising the virtual card. When they failed to deliver on that promise, they effectively froze my ability to participate in the economy while holding {$1900.00} of my money. \nFrom XX/XX/XXXX through XX/XX/year>, I made approximately XXXX to XXXX phone calls to Credit Karmas customer service line at ( XXXX ) XXXX attempting to obtain access to my funds. My phone records document these calls. Each and every call failed to result in the assistance I needed. During this period, Credit Karma customer service representatives hung up on me at least three to four separate times when I attempted to request explanations, seek supervisor escalation, or inquire about accessing my money. In these calls credit karmas representatives prematurely terminating the calls with a level of nonchalance that gave me great indication that this is common practice and not happenstance occurrence. \nOn or about XX/XX/year>, after a week of being denied access to my money, Credit Karma finally allowed me access to {$750.00} from my account by way of instant transfers. According to Credit Karmas own terms and agreements, customers are permitted to make instant transfers of {$750.00} per day yet I was denied the luxury of being treated like the average customer. Despite this stated policy, I was only allowed to make this transfer during the entire eleven-day period, leaving me unable to access the remaining {$1900.00} in my account for basic living expenses. I was told that I would not be given proper access to my account while they were investigating the disputed charges however credit karma issued a letter sent to my home address notifying me that they concluded their investigation on the XXXX of XXXX however my account privileges remained in this frozen state. \nOn XX/XX/year>, at XXXX XXXX, I spoke with a Credit Karma Money supervisor during a call that lasted XXXX minutes according to my phone records. The supervisors behavior during this call became increasingly unprofessional and hostile. Due to the unprofessional conduct and my need to document the continued mistreatment I was experiencing for any future litigation, I informed the supervisor that I had begun recording our conversation for my records. Oregon is a one-party consent state where recording telephone conversations to which one is a party is entirely legal and within my legal rights. However, this was enough to push an already unprofessional representative over the edge and at this point yet another phone call ended premature to my banking services being restored. On XX/XX/year>, just roughly XXXX XXXX  after the recorded call, I received an email from Credit Karma Money and XXXX XXXX  informing me that they were terminating my banking relationship clearly as retaliation. The email stated that they were unable to serve my financial needs at this time and no further explanation was given however apparently to a company that has the reputation that credit karma has this is apparently enough of a explanation for them. They further notified me that my account would be closed within XXXX to XXXX business days. As credit karma was aware I was already put in a desperate financial situation and credit karma wanted to exacerbate that situation to much further extent. The email further stated that my account and debit card had been locked, that no further withdrawal requests would be honored. \nCredit Karmas retaliatory account termination has created yet another barrier to accessing my own money. According to their termination email, I must now wait seven to ten business days after another 7-10 business days to receive my funds via a mailed check. This means that even though my funds are sitting in Credit Karmas possession right now, they are forcing me to wait additional days or weeks before I can access money that rightfully belongs to me. This additional delay compounds the financial hardship I have already suffered exponentially leading me into debt that would not occur had I not have been denied access to my finances for nearly two weeks.\n\nHad Credit Karma simply issued the virtual debit card they promised on XX/XX/year>, I would have had immediate access to my funds throughout this period. Instead, their broken promise, arbitrary barriers, and retaliatory account closure have created a situation where I may go three to four weeks without being able to access my own money for rent, food, and other necessities.\n\nCredit Karmas conduct demonstrates a clear pattern of creating and maintaining barriers to my accessing my own funds. First, they promised a virtual debit card and then arbitrarily rejected my identification without explanation. Second, they limited my instant transfers to a single {$750.00} transaction despite their terms stating I could make such transfers daily. Third, they had representatives hang up on me repeatedly when I sought help through the entire process. Fourth, they terminated my account in apparent retaliation for recording a call. At every turn, Credit Karma has found new ways to prevent me from accessing funds that belong to me.\n\nThe harm I have suffered goes beyond mere inconvenience. For nearly two weeks, I have been unable to access {$1900.00} in my own funds needed for basic survival. I have struggled to pay rent, buy groceries, purchase gasoline for transportation, and cover other essential expenses. And the financial distress caused by Credit Karmas denial of access to my own money that has been severe and ongoing is to be even more ongoing and even more severe. \nThe emotional toll has been equally significant. As a victim of identity theft, I had already experienced trauma from being victimized by criminals. When I turned to my financial institution for help, I expected assistance and support. Instead, I received broken promises, arbitrary denials, representatives hanging up on me, and ultimately retaliatory account termination. I have been victimized twice : first by criminals who stole my property and funds, and second by my own financial institution that has denied me access to my remaining money. \nCredit Karmas actions have caused me to lose trust in financial institutions and have created anxiety about my ability to meet basic financial obligations. The stress of not being able to access my own money for weeks has affected my health, my relationships, and my ability to function normally in daily life.\n\nThe Relief I am Requesting : I request that your agency investigate Credit Karma Money and XXXX XXXX  for the systematic denial of access to my funds and the other conduct described in this complaint. I request that Credit Karma be ordered to immediately transfer my full account balance of {$1900.00} to another financial institution of my choosing via same-day electronic transfer rather than forcing me to wait an additional seven to ten business days. I request that Credit Karma be required to provide a detailed written explanation for why they promised to issue a virtual debit card and then failed to do so, and why they limited my instant transfers to a single occurrence despite their terms allowing daily transfers. I request that appropriate regulatory action and penalties be taken against Credit Karma for systematically denying a fraud victim access to his own funds. I request that Credit Karma be required to implement policies ensuring that fraud victims have reasonable access to their accounts and that promises made to such victims are honored. And finally I would like credit karma to provide me with the transcripts from my conversations with their representatives and any internal communications regarding my account for the purpose of potential future litigation. \nSupporting Documentation Available : I can provide police report number XXXX filed XX/XX/year>. I can provide complete phone call logs from my mobile device showing approximately XXXX to XXXX calls to ( XXXX ) XXXX between XX/XX/XXXX and XX/XX/year>, including the XX/XX/year> call at XXXX XXXX lasting XXXX minutes. I can provide screenshots from the Credit Karma Money application showing account frozen warnings and the current balance of {$1900.00}. I can provide the complete account termination email from Credit Karma Money and XXXX XXXX  dated XX/XX/year>. I can provide documentation showing that Credit Karma only allowed me to make one {$750.00} instant transfer despite terms allowing daily transfers. I can provide any other documentation requested to support this investigation. \nThis matter requires urgent attention to be investigated as Credit Karma has committed Potential Violations of Banking Laws, Regulations, and Guidelines : The conduct described in this complaint may constitute violations of the following federal banking laws, regulations, guidelines, and supervisory expectations : Unfair, Deceptive, or Abusive Acts or Practices under the Consumer Financial Protection Act ( 12 U.S.C. 5531 and 12 CFR 1002.3 ). Credit Karma made a material misrepresentation by promising to issue a virtual debit card to provide account access and then failing to deliver on that promise without explanation. Credit Karma took unreasonable advantage of my status as an identity theft victim who had lost his physical debit card by denying the promised replacement access while holding my funds. Credit Karma caused substantial injury by denying me access to {$1900.00} in my own funds for nearly two weeks, with no countervailing benefit to consumers or competition justifying this injury.\n\nViolation of the Duty of Good Faith and Fair Dealing under common law principles applicable to banking relationships. Banks owe customers a duty to deal with them in good faith, which includes honesty in fact and observance of reasonable commercial standards of fair dealing. Making explicit promises to provide account access to a fraud victim and then denying that access through manufactured barriers violates this fundamental duty. \n\nRetaliatory Actions Against Consumers Exercising Legal Rights. The termination of my account one day after I exercised my legal right to record a telephone conversation in a one-party consent state constitutes retaliation designed to punish me for attempting to document poor service. Such retaliation has a chilling effect on consumer rights and undermines the entire consumer protection framework.\n\nBreach of Account Terms and Conditions. Credit Karmas limitation of instant transfers to a single {$750.00} transaction despite account terms stating customers may make such transfers daily constitutes a failure to honor the terms of the banking relationship and may constitute a breach of contract.\n\nFailure to Provide Reasonable Customer Service Standards expected of FDIC-insured institutions. The pattern of representatives hanging up on me at least three to four times while I was seeking legitimate assistance regarding access to my own funds demonstrates systematic failures in customer service that fall below the standards expected of regulated financial institutions. \n\nFailure to Meet Safety and Soundness Standards under 12 U.S.C. 1831p-1 and 12 CFR Part 364. The pattern of conduct suggests potential failures in compliance management systems, internal controls, and operational policies, particularly regarding fair treatment of fraud victims and consistent application of access procedures. \n\nXXXX XXXX on XXXX in an XXXX Banking XXXX. Financial institutions should have risk-based authentication procedures that are consistent, reasonable, and explainable. \n\nAccepting identification for fraud dispute purposes while simultaneously denying the same identification for card issuance purposes without explanation suggests inconsistent and potentially unreasonable application of authentication standards. \n\nCustomer Identification Program requirements under 31 CFR 1020.220. Customer identification programs should have reasonable procedures for verifying customer identity. The acceptance and subsequent rejection of identical identification without explanation raises questions about whether the procedures are reasonable or consistently applied.\n\nFDIC Consumer Compliance Examination Manual expectations regarding fair treatment of consumers. The FDIC expects banks to have effective compliance management systems that ensure fair treatment of consumers, particularly vulnerable consumers such as fraud victims. The systematic denial of access to my funds suggests potential deficiencies in compliance management and consumer protection practices","date_sent_to_company":"2025-10-27T01:50:30.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"986XX","tags":"Servicemember","has_narrative":true,"complaint_id":"16823562","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2025-10-27T00:16:51.000Z","state":"WA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["More importantly, Credit Karma never issued the promised <em>virtual</em> debit card, leaving me with no means to access my account.\n\nThe promise of a replacement <em>virtual</em> debit card was not a minor courtesy but a critical necessity. My physical debit card had been stolen by criminals. Without any debit card, physical or <em>virtual</em>, I had no way to access my own <em>money</em> as Credit Karma froze my account in a manner that kept me from even <em>transferring</em> <em>money</em> out of my account."]},"sort":[16.166836,"16823562"]},{"_index":"complaint-public-v1","_id":"7005095","_score":16.135159,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I transferred money from my XXXX  to my Wise account. XXXX  claims the money was transferred and received. Wise claims the transfer was canceled. But my money was not returned to XXXX if canceled, and Wise has not credited the transfer to the account. XXXX  claims no mistakes were made on their part. That leaves Wise receiving my funds and not crediting them to my account. \n\nWise required proof of payment from XXXX. I submitted my XXXX XXXX statement. This was not acceptable proof. This information from XXXX should serve as proof. My complaint to CFPB against XXXX. They have cleared their end of this transaction. This still leaves me missing my funds which Wise claims was cancelled and never deposited. See CFPB Complaint : COMPLAINT ID XXXX SUBMITTED ON XXXX PRODUCT Money transfer, virtual currency, or money service ISSUE Other transaction problem Response from XXXX  Bank Thank you for bringing this issue to our attention. Based on what you've told us, it seems that you were expecting a withdrawal from your XXXX account to be deposited into a personal external account, but you haven't received the funds yet. Our investigation shows that you opened an account with us on XXXX. On XXXX you contacted our customer support via mobile chat about a withdrawal of {$1800.00}, and our support agent informed you that it was debited from your account on XX/XX/. On XX/XX/, you reached out to our support team again via mobile chat and reported that you transferred money to your Wise account, but the funds never arrived. Our agent filed an ACH dispute on your behalf that same day, and the dispute information was forwarded to our ACH dispute agents for investigation. On XXXX you forwarded an email from Wise to our customer support, stating that your transfer of {$1800.00} USD to EUR had been canceled and the funds were not received. Our support agent provided you with your XXXX account statement, and our dispute team concluded their investigation, finding no error and informing you of this outcome on the same day. We provided you with the following information in our decision : XXXX XXXX ; Billing name and address match. Prior history with recipient. No ACH returns ; the XXXX number shows that funds were successfully deposited into the receiving account. Unfortunately, we are unable to issue a credit to you as a result of our investigation. Upon receiving your complaint, we reviewed your deposit settlement issue and confirmed with our partner bank that the funds were successfully deposited into the account you selected when you initiated the withdrawal. On XXXX our compliance agent provided proof of payment for the disputed transaction via email. We also received documents from you showing that a {$1800.00} USD to EUR transaction was canceled, but there is a discrepancy in the amount compared to the disputed transaction. We do not have evidence of an additional transaction in this amount debited from your account. Therefore, our decision of no error found remains the same. If you have new evidence to support your claim as it relates to a transaction for {$1800.00}, please submit it to our customer support for further review. If you have any questions, please don't hesitate to reach out to us at XXXX customer support. \n\n\nWise has not accepted any documentation as proof of payment. XXXX clearly states they paid the transfer. Wise clearly states they never received it and it was cancelled. I have not received this transfer. Wise has the proof it needs from XXXX, their investigation needs to find my transfer. These two banks have created the best scheme to take your money and hide, then claim no responsibility for the missing funds.","date_sent_to_company":"2023-05-20T09:52:38.000Z","issue":"Problem with customer service","sub_product":"Foreign currency exchange","zip_code":"33133","tags":null,"has_narrative":true,"complaint_id":"7005095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TransferWise Ltd","date_received":"2023-05-20T09:31:51.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My <em>complaint</em> to CFPB against XXXX. They have cleared their end of this transaction. This still leaves me missing my funds which Wise claims was cancelled and never deposited. See CFPB <em>Complaint</em> : <em>COMPLAINT</em> ID XXXX SUBMITTED ON XXXX PRODUCT <em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service ISSUE Other transaction problem Response from XXXX  Bank Thank you for bringing this issue to our attention."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"],"company":["<em>Transfer</em>Wise Ltd"]},"sort":[16.135159,"7005095"]},{"_index":"complaint-public-v1","_id":"5008022","_score":15.836224,"_source":{"product":"Checking or savings account","complaint_what_happened":"The nature of this complaint arises from the consumer ( XXXX ), being Hacked this past Friday. XXXX, was the victim of a scam as a result of being a XXXX XXXX customer. It appears that someone was trolling the XXXX XXXX and I was called back five minutes after dealing with the XXXX XXXX concerning a printer issue. Henceforth, XXXX was vulnerable to these financial crimes. XXXX learned this past Saturday, that the criminals hacked into his computer stolen the sum of {$400.00} and of that sum, monies {$150.00} were transferred to a online Bank using XXXX XXXX that operates in the virtual world. XXXX alerted his Bank ( PNC Bank Fraud Unit ), that Saturday. The Fraud unit took the report and locked his account. XXXX was told to go the the branch and open a new checking account and obtain a new ATM card. On MondayXXXX, XXXX did just that. The Branch Manger ( XXXX and his Associate, XXXX ) were on the phone to the Fraud unit for over an hour. XXXX, then suggested, he would call at home ; XXXX was on the telephone for Three Hours awaiting to speak with a Representative of PNC 's Fraud unit to unlock his old account and transfer his funds to the new account. \nThe essences here is, XXXX was on the telephone on XX/XX/2021 for two hours trying to get his electronic banking set up and to get a explanation why PNC placed a hard hold on a check for {$42.00} in change or there about. There were plenty of funds to cover this check. XXXX has no- access to his money in his savings or checking account. He is told, that no one wants to work, and PNC is saving excessive amount of money running a Bank on a shoe string at the expense of the customers. This is clearly, unacceptable and not something any customer should tolerate. I can not buy the argument that no one wants to work. Maybe, it is the Bank does not want to pay, or hire older candidates.","date_sent_to_company":"2021-12-14T22:29:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5008022","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2021-12-14T21:39:02.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["XXXX learned this past Saturday, that the criminals hacked into his computer stolen the sum of {$400.00} and of that sum, monies {$150.00} were <em>transferred</em> to a online Bank using XXXX XXXX that operates in the <em>virtual</em> world. XXXX alerted his Bank ( PNC Bank Fraud Unit ), that Saturday. The Fraud unit took the report and locked his account. XXXX was told to go the the branch and open a new checking account and obtain a new ATM card. On MondayXXXX, XXXX did just that."]},"sort":[15.836224,"5008022"]},{"_index":"complaint-public-v1","_id":"15444921","_score":15.508816,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX I, XXXX XXXX, was the victim of fraud on Wednesday, XXXX XXXX at around XXXX. \nThere were a total of 5 transaction attempts. 2 transactions for {$5000.00} each, 2 transactions for {$1000.00} each, and 1 transaction for approximately {$930.00} ; totalling almost {$13000.00} in attempted transactions. Only 2 transactions were successful, 1 of {$5000.00} & 1 of {$1000.00}, totalling {$6000.00} of stolen funds.\n\nAll of Chimes calls and recordings are available for 60days. There's no reason why a call would not be available, as a Chime agent said.\n\nDocumentation of Events & Timeline : XXXX : I had called Chime because my card was locked. \nXXXX : Scammer calls Chime. \nAsks about my transactions '' and XXXX feature. \nThe scammer used caller ID as if it was me by altering the CallerID. \nScammer passed verification by providing only my first and last name. \nVerified by Chime representative XXXXXXXX XXXX XXXX XXXXXXXX on his first call try. \nIt was not my voice, it did not sound like me. \nScammer did not pronounce my last name correctly. \nXXXX : My physical debit card didnt go through at XXXX XXXX XXXX XXXX. \nXXXX : I use my virtual card at XXXX. \nXXXX : Scammer calls, gets through verification, and accesses my account. \nThe Scammer takes money out of my savings. \nScammer closes my savings account. \nXXXX : I receive a call from the Scammer acting as a Chime fraud department representative. \nThe scammer used Chimes caller ID on me, just as he used my caller ID on Chime agents 4 or more times.\n\nThe false Chime representative ( aka the scammer ), informed me that my account had been compromised, coincidentally, my card had been blocked, so I became alarmed. He dictated my recent transactions for me to verify along with my other info : Each of my recent transactions, detailed with a dollar amount.\n\nA fake transaction that never existed from XXXX XXXX  for XXXX XXXX that he used as a transaction that was compromised. \nEmail Full checking account number.\n\n1 Address.\n\nAs Im on the phone, I verify the caller ID.\n\nAs Im told my account has been compromised, I check my Chime App. I see that my savings account is gone. I panic.\n\nScammer explains how we have set up a secure Chime account and directed to transfer checking funds into the new account I had been given. As Im on the phone, I receive an email from Chime Security with my new fake checking account number and routing number.\n\nThe Scammer directs that in order to keep the account safe, transfer to a new account. As I do 1 transfer, I see a name XXXX XXXX. As Im trying to stop it, the scammer does another {$5000.00} transaction at the same time as the one I did. Only one went through because of my {$5000.00} limit. Then I see a {$1000.00} pull from my virtual debit card I had just unlocked to make a purchase. As I see that {$1000.00} transaction from my Virtual debit card XXXX XXXX XXXXXXXX, I locked my card. Another transaction of around {$920.00} - {$930.00} was attempted but denied as I had barely locked my card ; both transactions happened in less than a minute from each other. \nXXXX : During my call, the scammer calls chime ( likely an accomplice ) with a different voice than me, passes verification, and asks about my physical debit card. \nXXXX : During my call, The scammer calls Chime again, passes verification again, and asks about XXXX and virtual debit card information. \nXXXX : During my call, Chime transferred to a fake bank account known as XXXX XXXX XXXX XXXX the phone number of ( XXXX ) XXXX. \nXXXX : During my call, Transaction from my virtual card ending in visa # XXXX to XXXX XXXX XXXX of {$1000.00}. \nTransaction Reference # : XXXX Transaction I.D . : XXXX Case Reference # : XXXX XXXX : During my call, I block my virtual card ending in visa # XXXX. \nXXXX : During my call, An attempted transaction of around {$920.00} - {$930.00} was attempted from visa # XXXX to XXXX XXXX XXXX, but did not go through. \nXXXX : I ask questions, trying to buy time and get info, while reaching Chime support. \nXXXX : Call hangs up. \nXXXX : I call Chime. \nXXXX : I reached Chime support. \nXX/XX/XXXX All day : Spent about six hours on the phone that day reaching Chime; spoke to over 15 agents and supervisors that day. \nCalled XXXX XXXX, Since Im not an Iphone holder, they didn't provide me much help. \nThey said Chime would have to reach out to them and Co-investigate the issue. \nThey could only share information with Chime. \nXXXX XXXX XXXX : I reached out to multiple departments and spoke with a Chime Card Member Services Supervisor named XXXX . \nXXXX Chime case # : XXXX Chime transaction reference ID : # XXXX @ around XXXX : XXXX is able to put a stop to the transaction of {$1000.00} : From my virtual card ending in XXXX XXXX XXXXXXXX to XXXX XXXX XXXX  of {$1000.00}. Transaction status as PENDING. \nTransaction Reference # : XXXX Transaction I.D . : XXXX Case Reference # : XXXX My {$1000.00} was returned to my checking account immediately. \nXX/XX/XXXX : I reached out to the FBI-IC3 Unit. and filed a report. I also filed a complaint with the FTC. I was also reached out by a US Secret Service agent XXXX XXXX who has been trying to get in touch with the Chime Fraud, Legal, and Resolutions team, but has received no answer nor updates.\n\nFBI - IC3 Report : Submission ID # : XXXX Date filed : XX/XX/XXXX @ XXXX ( XXXX XXXX ) ( XXXX XXXX  ). \nTalked to an Agent as well.\n\nFTC Complaint ID # : XXXX FTC indicates for the victim ( I, XXXX XXXX ) to reach out to my financial institution ( Chime ) for a solution. \nThe funds are insured by the federal government to fraud/theft. \nXXXX - Special Agent : XXXX XXXX He has been trying to reach Chimes legal team, Fraud & Resolutions department since XX/XX/XXXX ; NO ANSWER/NO CALLBACK. \nPhone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX @ XXXX : A Transaction from my virtual card ending in XXXX XXXX XXXX to XXXX XXXX Balance XXXX XXXX  of {$1000.00} while that card was locked. Transaction Reference # : XXXX Transaction I.D . : XXXX Case Reference # : XXXX Virtual card XXXX # XXXX was LOCKED at the time of the transaction. It posted immediately ; it didnt have a pending status. \nEither the scammer called XXXX XXXX  and demanded the transaction. \nOr XXXX paid out, the receiver cashed out, therefore XXXX XXXX pushed the transaction. \nNotes on those transactions : The XXXX XXXX account belongs to someone. \nThe XXXX XXXX account likely cashed in on the on the transaction of {$5000.00} Chime transferred to a fake 3 account known as XXXX XXXX XXXX with the phone number of ( XXXX ) XXXX. \nMost of my information the scammer obtained was through the 4 calls to Chime support that he made, potentially more. \n( XXXX ) XXXX number is from XXXX. \nThe Scammer seems to operate in the middle of the day.\n\nPotentially, an associate could be compromising information ; important to look into which agents passed verification.\n\nBy not providing further information, recordings, or by not doing the proper investigation on this matter, along with the verification errors on Chimes behalf, it demonstrates the Chime is enabling scammers to commit fraud. Chime passed verification to the scammer y providing only a first and last name ( XXXX, XXXX ). The odds for a Chime agent to do so is 1 in 19, even tho that error is way too high, the scammer passed on the first call and collected more of my personal and banking information to use against me.\n\nThe money that has been stolen, is insured by the federal government. Why am I not getting this money back? I am moving forward in reaching out to file complaints with The Californias state Attorney General as well as CFPB, and the XXXX  & other outlets for consumer awareness. XXXX XXXX is only an hour away, I would be glad to set up an appointment in person with whoever it may concern. \nFor Chime to follow : For XXXX XXXX ( XXXX ) to be contacted by the Legal & Resolution team of Chime. \nFor the LEGAL/RESOLUTION/FRAUD departments to contact XXXX. XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX To refund my 2 disputes of {$5000.00} and {$1000.00}, totalling {$6000.00}.\n\nInvestigate properly. Otherwise you are enabling fraud and ruining your loving customers lives.\n\nAll the information Ive provided regarding Chime, it can be found in your system.\n\nI'm aware calls and activity are recorded for 60days, do not destroy or hide informational evidence. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chime Checking Account # : XXXX","date_sent_to_company":"2025-08-21T10:08:38.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94536","tags":null,"has_narrative":true,"complaint_id":"15444921","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-08-21T09:54:55.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["XXXX : During my call, the scammer calls chime ( likely an accomplice ) with a different voice than me, passes verification, and asks <em>about</em> my physical debit card. \nXXXX : During my call, The scammer calls Chime again, passes verification again, and asks <em>about</em> XXXX and <em>virtual</em> debit card information. \nXXXX : During my call, Chime <em>transferred</em> to a fake bank account known as XXXX XXXX XXXX XXXX the phone number of ( XXXX ) XXXX."]},"sort":[15.508816,"15444921"]},{"_index":"complaint-public-v1","_id":"2810447","_score":15.434595,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/18, I was the victim of a \" virtual kidnapping '' fraud scam. A caller told me my father was in a car accident, which had seriously injured a child family member of violent criminals, and had resulted in a confrontation that led to my father being kidnapped. The caller was able to produce personal information about me and my father and, positioning himself as a reluctant but influential member of the violent criminal gang, was offering to broker a release for my father from his alleged kidnapping for {$3000.00}. He threatened that my father would most likely be killed, and that only through the caller 's intervention was my father 's life being spared. He threatened my father 's XXXX  unless I paid {$3000.00}, or if I hung up the phone, or if I made any attempt to contact my father. The caller advised me to make an international money transfer to his family-member in XXXX XXXX using XXXX XXXX, which had security protocols to prevent such a transfer ( by requiring me to call their XXXX number before finishing the transfer, which discouraged the caller from pursuing this option ). \n\nThe caller then asked me to make multiple transfers through MoneyGram, and I made four transfers ( the transactions : {$910.00} : Reference # XXXX at XXXX to XXXX XXXX XXXX XXXX XXXX ; # XXXX at XXXX to XXXX XXXX XXXX XXXX XXXX , which the caller reported had failed ; {$910.00} : # XXXX at XXXX to XXXX XXXX XXXX XXXX ; {$890.00} : # XXXX at XXXX to XXXX XXXX XXXX XXXX ) . At this point, the caller continued to ask for more money and to make additional threats, changing the scenario he had presented earlier. I risked contacting my family and realized that my father was safe. I hung up on the caller, who then sent me a threatening text message. \n\nI filed a police report with my local police department and went to my bank to see if it was possible to prevent the transactions or recover the funds. The banker called MoneyGram 's customer service associate, who told me and the banker that it was not possible to recover three of the four transactions but that the second failed transaction would be refunded to my debit card. The purpose of this complaint is that the promised refund for the second transaction has not happened despite the passage of 96 hours since my call with MoneyGram 's service associate. In addition, I have now learned that this is a common scam. I would recommend that MoneyGram implement security protocols so that it is not abetting fraudulent victimization of customers in the future. As I reflect from my experience, I would imagine that such protocols could include subjecting transactions to a confirmation with MoneyGram 's call center ( similar to what XXXX XXXX successfully implemented in this case ) if they are international transfers to a location known to host such scams, if they are sent by first-time senders, and if meeting these considerations are at a transaction amount slightly below {$1000.00} and especially if repeat transactions, it would be helpful to consumers and helpful to the rule of law for MoneyGram to invoke some kind of protective measure.","date_sent_to_company":"2018-02-12T07:01:03.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"06877","tags":"Servicemember","has_narrative":true,"complaint_id":"2810447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","date_received":"2018-02-12T01:05:55.000Z","state":"CT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The caller advised me to make an international <em>money</em> <em>transfer</em> to his family-member in XXXX XXXX using XXXX XXXX, which had security protocols to prevent such a <em>transfer</em> ( by requiring me to call their XXXX number before finishing the <em>transfer</em>, which discouraged the caller from pursuing this option )."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> currency, or <em>money</em> service"],"sub_product":["International <em>money</em> <em>transfer</em>"]},"sort":[15.434595,"2810447"]},{"_index":"complaint-public-v1","_id":"5110525","_score":15.253892,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint, XXXX and XXXX  against XXXX XXXX and XXXX XXXX bank for illegal seizure of my property and theft of my money. \n\nOn XX/XX/XXXX XXXX XXXX acting as Trustee for non-existing XXXX XXXX XXXX filed illegal foreclosure case XXXX XXXX XXXX  XXXX which resulted in theft of my property and my money as revenue for one of Wall Street Investment Banks who conspired with XXXX XXXX to defraud me and the Court. \n\nI want to provide evidence, based on full review of my entire property Title how I was robbed by one of Wall Street Investment Banks, probably XXXX XXXX. Its hard to say since it is a highly covered mafia-style operation supported by Courts who block homeowners attempts to conduct discovery. \n\nBased on my review, it was likely XXXX XXXX who initiated the Scheme, but could be XXXX XXXX XXXXXXXX who accrued XXXX. It is possible to find who received XXXX from forced sale of my property to cover for a fake mortgagewhere no one loaned me any money and merely passed information about securization established with a pre-prior owner around XXXX or even earlier.. \n\nI created over {$25.00} revenue per {$1.00} loaned by XXXX to the pre-prior owner XXXX XXXX in XXXX which was masqueraded as a loan with XXXX. This original loan was subject to at least six securitization schemes where the original loan was never released. My transaction was 8th round in the scheme. \n\nIn XXXX information about this loan was passed to XXXX XXXX as a virtual loan from XXXX XXXX, without releasing of any prior debt which I am sure was secretly declared as defaulted. XXXX was investor in the seventh  round of securitization. \n\nAccording to XXXX release prepared by XXXX ( who never appeared in the chain of XXXX title ) for XXXX that only Mortgage was released for unknown consideration, but XXXX Note was not released. XXXX received {$100000.00} of information about money from XXXX XXXX  dressed as a loan based on XXXX defaulted debt. \n\nIn XXXX information about this scheme was passed to me masqueraded as loan with XXXX. XXXX XXXX  did not receive a cent from this transaction and prepared a Release to XXXX where XXXX released her virtual loan for {$1.00} ( one dollar ) consideration. What happened to my loan with XXXX? Why lender XXXX XXXX agreed to get {$1.00} as consideration for its {$100000.00} loan to XXXX in XXXX? That consideration received by XXXX in XXXX and for whom? \n\nXXXX, who was unaware of XXXX XXXX ( or other investment bank ) creative manipulation with securitization schemes behind her back, passed this unmarketable title to XXXX, whom nobody loaned a cent since here was no lender who can receive these money and release this debt. \n\nXXXX, without any clue, passed this unmarketable Title to me in XXXX and in XXXX XXXX  XXXX  who illegally sold my property for {$130000.00} passed it to the new owner who has absolutely no legal rights to this property. As the result, The Chain of Title can not be fixed since all prior debt was never released because here was no creditor. All new recording was forged and falsified. \n\nI am definitely going to challenge all decisions in my case since it was based on fraud upon the Court and total lack of any jurisdiction personal or subject matter and demand to return me my property, disgorge ill driven profits and pay me fair compensation for my role as Investor in this scheme. I am entitled under the law to know who received {$130000.00} after forced sale of my property on XX/XX/XXXX ; why XXXX XXXX agreed to release XXXX mortgage and Note for {$1.00} ; where are money allegedly loaned to me. \n\nIf a foreclosure is not intended to pay a creditor with an unpaid loan account receivable, it isnt a foreclosure and the lawyers and their various clients and participants in foreclosure schemes have no right to the remedy. In nearly all cases that the amount of money paid to a prior lender is entirely or mostly fictional in all cases of refinancing and nearly all cases in purchase money mortgages. As long as the same underlying investment bank is the same for both the Buyer and Seller or the same for both the new Lender and the old lender. \n\nBut in cases where the Seller gets money ( equity ) at least some money is actually produced for closing. So for example, if the Seller nets {$50000.00} from the closing statement, that is what the Seller receives and the Seller does not care where it came from. If the homeowner receives {$50000.00}, that is what the homeowner receives and the homeowner does not care where it came from because the homeowner does not know that he or she has been surreptitiously recruited into a scam plan for the sale of unregulated securities. So, XXXX received some money after closing probably around {$60000.00} but these money were not coming from my loan with XXXX since XXXX XXXX did not received anything ( {$1.00} ) to release XXXX {$100000.00} mortgage, BUT each new closing produces a brand new securitization chain. In plain language, if the investment bank is selling securities worth {$18.00} for each dollar that is reportedly paid in closings, then each closing represents another {$18.00}. So if you have an alleged purchase money mortgage plus 3 refinancing transactions, the total generated could be as high as {$54.00} for each dollar reported as paid in all the closings. Those reports of payment are also entirely fictional insomuch as they include money that was NOT paid. \n\nSo a {$200000.00} mortgage represents the base transaction in a {$10.00} million scheme. This is why so many people on Wall Street received bonuses equal to three times their previous annual earnings. It is also how convicted felons who had {$10.00} per hour jobs earned upwards of {$1.00} million per year. It was a heist. Most of that money went to investment banks who then scattered the funds all over the world. They are still sitting on trillions of dollars. If homeowners were only allowed the minimum introductory fee ( common on Wall Street that would mean that the homeowner was entitled to receive a {$200000.00} payment in exchange for issuing virtual notes and virtual mortgages and the homeowners consent to treat them as real. \n\nWhat makes me burn is the idea that the players can get back the money they paid to homeowners without any consideration for their role in an undisclosed transaction that can no longer be unwound. In such instances, it is up to a court to reform the transaction to reflect the economic realities. But NOBODY is doing that. I think there is a strong case for that. The investment banks dont want to do that because they refuse to share with lowly homeowners. And the courts are both brainwashed and somewhat corrupt because they are accepting instructions about mortgage cases. \n\nThe bottom line is that in most cases, whether the transaction involved a resale of the home or refinancing, only a fraction of the money you thought was transacted was actually present. Its not just that they should have been paid more it is that the homeowner did not receive the money he or she promised to pay back. This fact is part of a pattern of active concealment directed by investment bankers that starts with the initial transaction and continues right up to and including the foreclosure sale and eviction. \n\nI issued the note and mortgage for far more than any money paid on my behalf. I didnt owe the money but they got me to promise to pay it anyway. This is a joke and a bonus for investment bankers but it is a loss for me. Each new transaction left the previous one intact and started a new securitization infrastructure. So a home that was subject to an initial securitization claim could end up with as many as 8 securitization infrastructures, all with sales to investors for far more than anything paid to or on behalf of the homeowner. And each securitization infrastructure led to sales of around {$18.00} in securities for {$1.00} of apparent money that was asserted to have been transacted with the homeowner. \n\nDo the math. A single transaction falsely labeled as a mortgage loan can produce up to {$96.00} for each dollar originally paid to or on behalf of the homeowner. Dont you think you should have been told about that? It turns out that the question is fully answered in the Federal Truth in Lending Act. And the answer is yes, you should have been told that because the purpose of the Act was to prevent virtual creditors from being substituted for actual creditors who were responsible for compliance with lending laws, rules and regulations. Event table-funded loans were declared against public policy, but this is much worse. It takes an essential component out of the transaction falsely labeled as a loan. \n\nIf you believe the transaction consisted at least partly of paying off an old lien, then you DO want the outgoing wire transfer or other means of payment. If the prior and new lien were funded by direction from the same investment bank it would be unusual for that portion have to have been sent to the old lender because it is long out of the picture. But it is still common because the investment banks dont want to alert the closing agent that the deal was a scam. So they direct a wire transfer to a certain depository account bearing the name XXXX XXXX or some such thing that is actually controlled by the common underwriting investment bank. \n\nSo if you ever get those wire transfer receipts, you want to trace down the ownership of the depository account. For example, XXXX XXXX ( or any other investment bank ) can open an account named XXXX. It is still a XXXX XXXX account and they can go out and buy groceries with whatever is in the account. \n\nBut to the outside world the homeowner and the closing agent they would swear that XXXX was involved. And they would be 100 % wrong. XXXX for its part has no record of the transaction because it was not their money and they take no legal action against the use of their name because they are part of the game. \n\nSo the bottom line is that there was no payoff of the old lien and no cancellation of the note or underlying obligation asserted by fake representatives of a nonexistent creditor owning a nonexistent loan account receivable. If there was an existing loan account receivable that would make one of those thinly capitalized nonentities the owner of the right, title, and interest to payments, balance, and interest something the investment banks would never permit. \n\nI am entitled for disclosures from XXXX XXXX and XXXX XXXX XXXX ; I am entitled to reverse this void decision and enter a new decision in my favor, return me stolen property and disgorge ill-gained profits. I am entitled to receive a fair compensation for my services as Investor in this scheme. \n\n\nBest Regards, XXXX XXXX If Investment Bank behind the scene was XXXX XXXX they made about {$25.00} per $ of EACH securitization ( {$200.00} per {$1.00} ), based on Comptrollers Report. If XXXX - {$16.00} ; if XXXX XXXX it was {$180.00} per {$1.00} in each securitization. \n\nHere is the math. \n\n1. My virtual \" loan '' with XXXX was $ XXXX 2. Seller XXXX XXXX virtual loan with XXXX XXXX was {$100000.00} 3. XXXX XXXX accepted {$1.00} as consideration for its loan with XXXX 4. XXXX obviously received real money about {$70.00} at the closing. \n\nWhere $ 70K were coming from? Obviously not from my \" loan '' if XXXX \" lender '' XXXX received only {$1.00}. \nThe only source of money to pay XXXX $ 70K was XXXX XXXX XXXX XXXX operating pool consisted of Investors money. \n\nAs soon as I signed my Promissory Note, this $ 70K cost of doing business evaporated from {>= $1,000,000} profits I generated as Investor for {$170000.00} information given to me as a \" loan '' plus my payments, plus {$130000.00} proceeds from sales of my property. I only received property keys which were later stolen from me by Judges. \n\nScheme with XXXX resulted in {>= $1,000,000} revenue plus her $ XXXX down payment and about XXXX XXXX in 4 years monthly payment, minus $ 70K as her commission from, minus property taxes and insurances paid by XXXX. So XXXX received maybe $ 10K as Investor for generating {>= $1,000,000} revenue from {$100000.00} virtual loan with XXXX. \n\nXXXX, pre-prior owner, had about 6 schemes behind her back, based on {$31000.00} initial commission paid to her as Investor in the scheme, which generated XXXX XXXX x 6 x {$25.00} per {$1.00} in each scheme = {>= $1,000,000}. \n\nTotal revenue from the Scheme was {>= $1,000,000} minus commission $ 10K to XXXX and about $ XXXX to XXXX. \n\nI received nothing except property keys, which was stolen from me by judges to generate XXXX XXXXXXXX additional revenue for XXXX XXXX who was hiding behind fake intermediaries. \n\nI am definitely entitled for 5 % finder fee from {>= $1,000,000} profits, which is {$210000.00} plus at least 15 % as Investor for generating this revenue, which would be another {$640000.00}. Total commission due to me is {$860000.00} plus all damages for losses resulted in risks associated with the scheme, loss of property and extreme emotional distress.","date_sent_to_company":"2022-02-15T17:32:30.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"606XX","tags":null,"has_narrative":true,"complaint_id":"5110525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2022-01-14T12:17:49.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["XXXX received {$100000.00} of information <em>about</em> <em>money</em> from XXXX XXXX  dressed as a loan based on XXXX defaulted debt. \n\nIn XXXX information <em>about</em> this scheme was passed to me masqueraded as loan with XXXX. XXXX XXXX  did not receive a cent from this transaction and prepared a Release to XXXX where XXXX released her <em>virtual</em> loan for {$1.00} ( one dollar ) consideration. What happened to my loan with XXXX?"]},"sort":[15.253892,"5110525"]},{"_index":"complaint-public-v1","_id":"5109936","_score":15.253892,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint, XXXX and XXXX against XXXX XXXX and Wells Fargo bank for illegal seizure of my property and theft of my money. \n\nOn XX/XX/XXXX XXXX XXXX  acting as Trustee for non-existing XXXX XXXX XXXX filed illegal foreclosure case XXXX XXXX v XXXX which resulted in theft of my property and my money as revenue for one of Wall Street Investment Banks who conspired with XXXX Bank to defraud me and the Court. \n\nI want to provide evidence, based on full review of my entire property Title how I was robbed by XXXX of Wall Street Investment Banks, probably XXXX XXXX. Its hard to say since it is a highly covered mafia-style operation supported by Courts who block homeowners attempts to conduct discovery. \n\nBased on my review, it was likely XXXX XXXX who initiated the XXXX, but could be Bank XXXX XXXX who accrued XXXX. It is possible to find who received XXXX from forced sale of my property to cover for a fake mortgagewhere no one loaned me any money and merely passed information about securization established with a pre-prior owner around XXXX or even earlier.. \n\nI created over {$25.00} revenue per {$1.00} loaned by XXXX to the pre-prior owner XXXX XXXX in XXXX which was masqueraded as a loan with XXXX. This original loan was subject to at least XXXX securitization schemes where the original loan was never released. My transaction was XXXX round in the scheme. \n\nIn XXXX information about this loan was passed to XXXX XXXX as a virtual loan from XXXX Bank, without releasing of any prior debt which I am sure was secretly declared as defaulted. XXXX was investor in the seventh round of securitization. \n\nAccording to XXXX release prepared by XXXX ( who never appeared in the chain of ORourkes title ) for MERS that only Mortgage was released for unknown consideration, but ORourkes Note was not released. XXXX received {$100000.00} of information about money from XXXX Bank dressed as a loan based on XXXX defaulted debt. \n\nIn XXXX information about this scheme was passed to me masqueraded as loan with XXXX. XXXX Bank did not receive a cent from this transaction and prepared a XXXX to XXXX where XXXX released her virtual loan for {$1.00} ( XXXX dollar ) consideration. What happened to my loan with XXXX? Why lender XXXX Bank agreed to get {$1.00} as consideration for its {$100000.00} loan to XXXX in XXXX? That consideration received by MERS in XXXX and for whom? \n\nXXXX, who was unaware of XXXX XXXX ( or other investment bank ) creative manipulation with securitization schemes behind her back, passed this unmarketable title to XXXX, whom nobody loaned a cent since here was no lender who can receive these money and release this debt. \n\nXXXX, without any clue, passed this unmarketable Title to me in XXXX and in XXXX XXXX Bank who illegally sold my property for {$130000.00} passed it to the new owner who has absolutely no legal rights to this property. As the result, The XXXX of XXXX can not be fixed since all prior debt was never released because here was no creditor. All new recording was forged and falsified. \n\nI am definitely going to challenge all decisions in my case since it was based on fraud upon the XXXX and total lack of any jurisdiction personal or subject matter and demand to return me my property, disgorge ill driven profits and pay me fair compensation for my role as Investor in this scheme. I am entitled under the law to know who received {$130000.00} after forced sale of my property on XX/XX/XXXX ; why XXXX Bank agreed to release XXXX mortgage and Note for {$1.00} ; where are money allegedly loaned to me. \n\nIf a foreclosure is not intended to pay a creditor with an unpaid loan account receivable, it isnt a foreclosure and the lawyers and their various clients and participants in foreclosure schemes have no right to the remedy. In nearly all cases that the amount of money paid to a prior lender is entirely or mostly fictional in all cases of refinancing and nearly all cases in purchase money mortgages. As long as the same underlying investment bank is the same for both the Buyer and Seller or the same for both the new XXXX and the old lender. \n\nBut in cases where the Seller gets money ( equity ) at least some money is actually produced for closing. So for example, if the Seller nets {$50000.00} from the closing statement, that is what the Seller receives and the Seller does not care where it came from. If the homeowner receives {$50000.00}, that is what the homeowner receives and the homeowner does not care where it came from because the homeowner does not know that he or she has been surreptitiously recruited into a scam plan for the sale of unregulated securities. So, XXXX received some money after closing probably around {$60000.00} but these money were not coming from my loan with XXXX XXXX XXXX Bank did not received anything ( {$1.00} ) to release XXXX {$100000.00} mortgage, BUT each new closing produces a brand new securitization chain. In plain language, if the investment bank is selling securities worth {$18.00} for each dollar that is reportedly paid in closings, then each closing represents another {$18.00}. So if you have an alleged purchase money mortgage plus XXXX refinancing transactions, the total generated could be as high as {$54.00} for each dollar reported as paid in all the closings. Those reports of payment are also entirely fictional insomuch as they include money that was NOT paid. \n\nSo a {$200000.00} mortgage represents the base transaction in a {$10.00} XXXX scheme. This is why so many people on XXXX XXXX received bonuses equal to XXXX times their previous annual earnings. It is also how convicted felons who had {$10.00} per hour jobs earned upwards of {$1.00} XXXX per year. It was a heist. Most of that money went to investment banks who then scattered the funds all over the world. They are still sitting on trillions of dollars. If homeowners were only allowed the minimum introductory fee ( common on XXXX XXXX that would mean that the homeowner was entitled to receive a {$200000.00} payment in exchange for issuing virtual notes and virtual mortgages and the homeowners consent to treat them as real. \n\nWhat makes me burn is the idea that the players can get back the money they paid to homeowners without any consideration for their role in an undisclosed transaction that can no longer be unwound. In such instances, it is up to a court to reform the transaction to reflect the economic realities. But XXXX is doing that. I think there is a strong case for that. The investment banks dont want to do that because they refuse to share with lowly homeowners. And the courts are both brainwashed and somewhat corrupt because they are accepting instructions about mortgage cases. \n\nThe bottom line is that in most cases, whether the transaction involved a resale of the home or refinancing, only a fraction of the money you thought was transacted was actually present. Its not just that they should have been paid more it is that the homeowner did not receive the money he or she promised to pay back. This fact is part of a pattern of active concealment directed by investment bankers that starts with the initial transaction and continues right up to and including the foreclosure sale and eviction. \n\nI issued the note and mortgage for far more than any money paid on my behalf. I didnt owe the money but they got me to promise to pay it anyway. This is a joke and a bonus for investment bankers but it is a loss for me. Each new transaction left the previous XXXX intact and started a new securitization infrastructure. So a home that was subject to an initial securitization claim could end up with as many as XXXX securitization infrastructures, all with sales to investors for far more than anything paid to or on behalf of the homeowner. And each securitization infrastructure led to sales of around {$18.00} in securities for {$1.00} of apparent money that was asserted to have been transacted with the homeowner. \n\nDo the math. A single transaction falsely labeled as a mortgage loan can produce up to {$96.00} for each dollar originally paid to or on behalf of the homeowner. XXXX you think you should have been told about that? It turns out that the question is fully answered in the XXXX Truth in Lending Act. And the answer is yes, you should have been told that because the purpose of the XXXX was to prevent virtual creditors from being substituted for actual creditors who were responsible for compliance with lending laws, rules and regulations. Event table-funded loans were declared against public policy, but this is much worse. It takes an essential component out of the transaction falsely labeled as a loan. \n\nIf you believe the transaction consisted at least partly of paying off an old XXXX, then you DO want the outgoing wire transfer or other means of payment. If the prior and new XXXX were funded by direction from the same investment bank it would be unusual for that portion have to have been sent to the old lender because it is long out of the picture. But it is still common because the investment banks dont want to alert the closing agent that the deal was a scam. So they direct a wire transfer to a certain depository account bearing the name XXXX XXXX or some such thing that is actually controlled by the common underwriting investment bank. \n\nSo if you ever get those wire transfer receipts, you want to trace down the ownership of the depository account. For example, XXXX XXXX ( or any other investment bank ) can open an account named XXXX. It is still a XXXX XXXX account and they can go out and buy groceries with whatever is in the account. \n\nBut to the outside world the homeowner and the closing agent they would swear that XXXX was involved. And they would be 100 % wrong. XXXX for its part has no record of the transaction because it was not their money and they take no legal action against the use of their name because they are part of the game. \n\nSo the bottom line is that there was no payoff of the old XXXX and no cancellation of the note or underlying obligation asserted by fake representatives of a nonexistent creditor owning a nonexistent loan account receivable. If there was an existing loan account receivable that would make XXXX of those thinly capitalized nonentities the owner of the right, title, and interest to payments, balance, and interest something the investment banks would never permit. \n\nI am entitled for disclosures from XXXX Bank and Wells Fargo Bank ; I am entitled to reverse this void decision and enter a new decision in my favor, return me stolen property and disgorge ill-gained profits. I am entitled to receive a fair compensation for my services as Investor in this scheme. \n\n\nBest Regards, XXXX XXXX If XXXX Bank behind the scene was XXXX XXXX they made about {$25.00} per $ of EACH securitization ( {$200.00} per {$1.00} ), based on Comptrollers Report. If XXXX - {$16.00} ; if XXXX XXXX it was {$180.00} per {$1.00} in each securitization. \n\nHere is the math. \n\nXXXX. My virtual \" loan '' with XXXX was $ XXXX XXXX. Seller XXXX XXXX virtual loan with XXXX Bank was {$100000.00} XXXX. XXXX Bank accepted {$1.00} as consideration for its loan with XXXX XXXX. XXXX obviously received real money about {$70.00} at the closing. \n\nWhere $ XXXX were coming from? Obviously not from my \" loan '' if XXXX \" lender '' XXXX received only {$1.00}. \nThe only source of money to pay XXXX $ XXXX was XXXX XXXX Bank 's operating pool consisted of XXXX money. \n\nAs soon as I signed my Promissory Note, this $ XXXX cost of doing business evaporated from {>= $1,000,000} profits I generated as Investor for {$170000.00} information given to me as a \" loan '' plus my payments, plus {$130000.00} proceeds from sales of my property. I only received property keys which were later stolen from me by XXXX. \n\nScheme with XXXX resulted in {>= $1,000,000} revenue plus her $ XXXX down payment and about $ XXXX in 4 years monthly payment, minus $ XXXX as her commission from, minus property taxes and insurances paid by XXXX. 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