{"took":513,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":144,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19272523","_score":16.438477,"_source":{"product":"Credit card","complaint_what_happened":"Company : Bank of America XXXX : Credit card Issue : Fraudulent charges/ unauthorized transactions Amount : {$5900.00} Date of fraud : XX/XX/2025 Claim number XXXX Complaint narrative : I am filing this complaint regarding Bank of Americas denial of my fraud claim involving unauthorized credit card charges totaling {$5900.00} made on XX/XX/2025. \n\nThese transactions were not authorized by me, I did not benefit from them, and they were made without my knowledge or consent. Once I became aware of the charges, I promptly reported them to Bank of America and fully cooperated with their investigation. \n\nDespite this, Bank of America denied my fraud claim. The denial did not adequately explain how these charges were determined to be authorized, nor did it address the fact that I dispute responsibility for them under federal consumer protection laws governing unauthorized credit card use. \n\nI am requesting that Bank of America : Reopen and properly investigate this fraud claim Permanently credit the disputed amount of {$5900.00} Remove any interest, fees, or negative credit reporting related to these charges Provide a written explanation of their findings and evidence used to deny the claim I believe Bank of Americas handling of this matter is inconsistent with its obligations to protect consumers from unauthorized credit card transactions. I am seeking a fair resolution and full reversal of the fraudulent charges. \n\nWhat resolution are you seeking? \n\nFull refund of unauthorized charges, removal of related interest and fees, and correction of any credit reporting.","date_sent_to_company":"2026-02-05T15:38:53.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"342XX","tags":"Older American","has_narrative":true,"complaint_id":"19272523","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-02-05T15:20:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Company : Bank of America XXXX : <em>Credit</em> card Issue : <em>Fraudulent</em> <em>charges</em>/ unauthorized transactions Amount : {$5900.00} Date of fraud : XX/XX/2025 Claim number XXXX <em>Complaint</em> <em>narrative</em> : I am filing this <em>complaint</em> regarding Bank of Americas denial of my fraud claim involving unauthorized <em>credit</em> card <em>charges</em> totaling {$5900.00} made on XX/XX/2025. \n\nThese transactions were not authorized by me, I did not benefit from them, and they were made without my knowledge or consent."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"]},"sort":[16.438477,"19272523"]},{"_index":"complaint-public-v1","_id":"17834479","_score":16.127256,"_source":{"product":"Credit card","complaint_what_happened":"Issue : Credit card company incorrectly denied my fraud claim and refuses to remove unauthorized charges. \n\nNarrative : I am filing a complaint because Citibank has incorrectly denied my fraud claim for multiple unauthorized charges made in XXXX, XXXX on my Citicard. These charges were absolutely not made by me. \n\nMy card was lost or stolen while I was in XXXX. I did not realize the card was missing for a long period because it was rarely used except for several automatic payments such as the XXXX XXXX XXXXXXXX and XXXX. When I first reported the fraud to Citi, I mistakenly believed I still had the physical card. \n\nI filed an FTC Identity Theft Report, confirming that these transactions were fraudulent. I also attempted to file a police report, but the New York Police Department informed me they could not take the report because the theft and fraud occurred outside their jurisdiction. \n\nDespite the FTC report and the clear evidence that I did not authorize these charges, Citi has ruled the transactions \" not fraudulent '' and refuses to reverse them. I have made numerous phone calls to Citi representatives with no success. \n\n\n\nI have been a Citi customer for over 10 years and have never had an issue of this kind. I am simply asking for the protections afforded under the Fair Credit Billing Act.","date_sent_to_company":"2025-12-08T17:17:15.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"10011","tags":"Older American","has_narrative":true,"complaint_id":"17834479","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-12-08T17:09:17.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Issue : <em>Credit</em> card company incorrectly denied my fraud claim and refuses to remove unauthorized <em>charges</em>. \n\n<em>Narrative</em> : I am filing a <em>complaint</em> because Citibank has incorrectly denied my fraud claim for multiple unauthorized <em>charges</em> made in XXXX, XXXX on my Citicard. These <em>charges</em> were absolutely not made by me. \n\nMy card was lost or stolen while I was in XXXX."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"]},"sort":[16.127256,"17834479"]},{"_index":"complaint-public-v1","_id":"19013415","_score":15.398441,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Unauthorized ACH Withdrawals/ Regulation E Dispute - Chase Account Ending XXXX Narrative : I am filing this complaint against JPMorgan Chase regarding a series of unauthorized Electronic Fund Transfers ( EFTs ) totaling approximately {$14000.00} deducted from my checking account ( ending in XXXX ) over the past 12 months. \n\nThe charges are labeled \" XXXX XXXX '' and range between {$210.00} and {$1500.00} per transaction. I do not have, and have never had, an insurance policy with XXXX, nor did I authorize these debits. \n\nTimeline & Actions : XXXX : I discovered the fraud on XX/XX/year>, and immediately contacted Chase to dispute all charges. \n\nLaw Enforcement : I have filed a police report with the XXXX XXXX XXXX Sheriff ( Case # XXXX ) and an Identity Theft report with the FTC ( Report # XXXX ). \n\nMerchant Contact : I contacted the merchant ( XXXX ) to demand a refund, but they can not locate a valid policy for me because the charges are fraudulent. \n\nReason for Complaint : These transactions are \" unauthorized electronic fund transfers '' as defined by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As I reported this promptly upon discovery, I am entitled to an investigation and a refund. I am filing this complaint to ensure Chase adheres to the statutory timelines for provisional credit and permanent reimbursement.","date_sent_to_company":"2026-01-26T19:39:54.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94030","tags":null,"has_narrative":true,"complaint_id":"19013415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-01-26T19:35:57.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["Subject : Unauthorized ACH Withdrawals/ Regulation E Dispute - Chase Account Ending XXXX <em>Narrative</em> : I am filing this <em>complaint</em> against JPMorgan Chase regarding a series of unauthorized Electronic Fund Transfers ( EFTs ) totaling approximately {$14000.00} deducted from my checking account ( ending in XXXX ) over the past 12 months. \n\nThe <em>charges</em> are labeled \" XXXX XXXX '' and range between {$210.00} and {$1500.00} per transaction."]},"sort":[15.398441,"19013415"]},{"_index":"complaint-public-v1","_id":"20602424","_score":15.020308,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint Narrative I am filing this complaint regarding fraudulent Affirm transactions resulting from identity theft. I did not authorize these transactions, did not participate in them, and received no benefit. \n\nThe fraudulent activity occurred on XX/XX/year>, and consists of the following unauthorized charges : {$470.00} {$9.00} {$300.00} These transactions total {$790.00} and are tied to an Affirm account identified as XXXX. This activity is confirmed in my FTC Identity Theft Report, which I filed under penalty of perjury. \n\nUnder FCRA 605B ( 15 U.S.C. 1681c-2 ) and applicable identity theft protections, Affirm is required to block and remove fraudulent information and can not hold me liable for unauthorized transactions. \n\nI am demanding that Affirm : Conduct a proper identity theft investigation Remove all fraudulent charges and account activity Cease any collection efforts immediately Delete any related negative credit reporting Provide all documents used to claim authorization ( including application data, IP logs, device data, delivery confirmation, and transaction records ) Failure to comply will result in further escalation and legal action. \n\n\n\nResolution Requested ( CFPB Box # 2 ) This is identity theft. The Affirm transactions dated XX/XX/year> ( {$470.00}, {$9.00}, {$300.00} ) are fraudulent and unauthorized. I want Affirm to remove all liability, stop any collection or reporting, delete any negative credit reporting, and provide written confirmation that this matter has been resolved as fraud. \n\n\n\nIf you want, I can also turn this into a court-ready exhibit packet ( AF ) or a more aggressive version citing EFTA Reg E depending on how Affirm responds.","date_sent_to_company":"2026-03-25T23:57:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"07601","tags":null,"has_narrative":true,"complaint_id":"20602424","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2026-03-25T23:50:28.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> I am filing this <em>complaint</em> regarding <em>fraudulent</em> Affirm transactions resulting from identity theft. I did not authorize these transactions, did not participate in them, and received no benefit. \n\nThe <em>fraudulent</em> activity occurred on XX/XX/year>, and consists of the following unauthorized <em>charges</em> : {$470.00} {$9.00} {$300.00} These transactions total {$790.00} and are tied to an Affirm account identified as XXXX."]},"sort":[15.020308,"20602424"]},{"_index":"complaint-public-v1","_id":"12858211","_score":14.783753,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : Incorrect information on credit report Account information is incorrect Consumer Complaint Narrative : I am filing this complaint to address Equifaxs failure to properly investigate and remove fraudulent student loan accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). \n\nI submitted all required documentation, including FTC Identity Theft Affidavit # XXXX, and previously filed a CFPB complaint ( # XXXX ) on XX/XX/XXXX. Despite this, Equifax failed to process the dispute under FCRA 605B and has not provided the method of its investigation as required by FCRA 611 ( 15 U.S.C. 1681i ). \n\nSupervisors at Equifax informed me that my dispute was treated as a regular dispute due to the lack of page numbers on the affidavityet nowhere in the FCRA does it state that an affidavit must contain page numbers to be valid. Equifax is hiding behind policy rather than following the law. \n\nThese accounts are the result of identity theft, as documented in my FTC Criminal Complaint, and include collections, late payments, and charge-offs that have seriously damaged my credit. \n\nI am demanding the immediate deletion of the following fraudulent accounts : Equifax XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX Equifax XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX Equifax XXXX XXXX XXXX Account XXXX XXXX, opened XX/XX/XXXX Equifax XXXX XXXX XXXX Account XXXX XXXX, opened XX/XX/XXXX Equifaxs actions are in violation of federal law, and I request the CFPB enforce compliance with the FCRA, including the required removal of fraudulent information within four business days.","date_sent_to_company":"2025-04-07T17:49:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"12858211","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-07T17:42:12.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Issue : Incorrect information on <em>credit</em> report Account information is incorrect Consumer <em>Complaint</em> <em>Narrative</em> : I am filing this <em>complaint</em> to address Equifaxs failure to properly investigate and remove <em>fraudulent</em> student loan accounts from my <em>credit</em> report in accordance with the Fair <em>Credit</em> Reporting Act ( FCRA ). \n\nI submitted all required documentation, including FTC Identity Theft Affidavit # XXXX, and previously filed a CFPB <em>complaint</em> ( # XXXX ) on XX/XX/XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.783753,"12858211"]},{"_index":"complaint-public-v1","_id":"13182684","_score":14.313664,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this letter and supporting documentation in reference to a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning a fraudulent charge on my Citibank credit card account. The incident occurred during a recent trip to XXXX and involved a party impersonating XXXX XXXX. \n\nDespite providing extensive evidence of the fraudulent nature of the transactionincluding documentation showing prior confirmed travel arrangements, vendor misrepresentation, and post-incident validation by XXXX XXXXCitibank has denied my fraud claim twice. This decision fails to acknowledge both the deceptive conduct of the merchant and my rights as a consumer under the Fair Credit Billing Act ( FCBA ).\n\nSummary of Key Points : The vendor falsely represented themselves as a XXXX XXXX agent and created a false narrative about fare differences and reservation issues to coerce me into authorizing an additional charge. \n\nMy group had fully paid and confirmed reservations before any contact with this party. These tickets were never canceled, modified, or subject to fare changes. \n\nI did not receive any new services, changes, or benefits in exchange for the disputed charge. \n\nXXXX XXXX later confirmed that no changes were made to the original reservation and that we were not on any waitlist, as falsely claimed by the vendor. \n\nThe vendors intent was clearly fraudulent, and Citi has failed to properly investigate or consider the extensive documentation I provided. \n\nAttached Documents Include : Copies of confirmed flight reservations and e-tickets ( XXXX XXXX XXXX ) Emails and correspondence with the vendor showing misrepresentation Screenshots of the vendors misleading claims and transaction details Prior dispute communications and final denial letters from Citi After more than 30 years as a Citi customer in good standing, I am disappointed in their response and lack of protection in a clear case of fraud. I am seeking the reversal of this charge and a full investigation into the conduct of the vendor involved. \n\nThank you for your attention to this matter. I look forward to a fair and timely resolution through your office.","date_sent_to_company":"2025-04-25T12:51:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"75231","tags":null,"has_narrative":true,"complaint_id":"13182684","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-04-25T12:36:39.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am submitting this letter and supporting documentation in reference to a formal <em>complaint</em> filed with the Consumer Financial Protection Bureau ( CFPB ) concerning a <em>fraudulent</em> <em>charge</em> on my Citibank <em>credit</em> card account. The incident occurred during a recent trip to XXXX and involved a party impersonating XXXX XXXX."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[14.313664,"13182684"]},{"_index":"complaint-public-v1","_id":"21041998","_score":14.188717,"_source":{"product":"Credit card","complaint_what_happened":"Complaint against : Bank of America Product : Credit card Issue : Dispute transaction / Fraud Complaint narrative : I am filing a complaint regarding Bank of Americas denial of my fraud claim ( Claim # XXXX ) involving a {$1900.00} credit card charge resulting from an airline impersonation scam. \n\nOn XX/XX/year>, I called what I believed was XXXX XXXX customer service after searching for their contact number. The individual I spoke with falsely represented themselves as XXXX XXXX and instructed me to purchase a more expensive refundable ticket in order to cancel my existing ticket. This was a fraudulent misrepresentation designed to induce payment. \n\nThe charge was processed by a merchant identified as \" XXXXXXXX XXXX XXXX, '' which is not XXXX XXXX. I would never have authorized this transaction had I known the true identity of the merchant. \n\nKey facts demonstrating fraud : The confirmation email came from XXXX, not XXXX XXXX XXXX XXXX confirmed this company is not affiliated with them I never received a valid airline ticket number XXXX confirmed no reservation exists in my name No services were delivered The merchant misrepresented their identity and affiliation The phone number later went unanswered This matches documented airline impersonation scams I reported the fraud promptly after discovery : XX/XX/year> Reported to Bank of America XX/XX/year> Fraud claim opened Card immediately closed per bank recommendation I provided Bank of America with documentation including the fraudulent email, charge documentation, fraud timeline, and evidence of known scam patterns. \n\nThis transaction meets the definition of fraud because authorization was obtained through impersonation and material misrepresentation. Under XXXX  rules XXXX transactions authorized under fraudulent pretenses are still considered fraud. \n\nDespite this evidence, Bank of America denied the claim. I believe the transaction may have been incorrectly classified as a merchant dispute rather than fraud induced by deception. \n\nThis loss of {$1900.00} represents a significant financial hardship and resulted from a sophisticated impersonation scam. I took immediate steps to report the fraud and prevent further losses. \n\nI am requesting that Bank of America : Reconsider this claim under fraud provisions Explain what evidence was relied upon in denying the claim Identify what fraud criteria were applied Confirm how this case does not meet fraud definitions involving impersonation I am submitting this complaint in good faith and requesting a fair review under applicable consumer fraud protections. \n\nDesired resolution : Reimbursement of the fraudulent charge and proper classification of the transaction as fraud.","date_sent_to_company":"2026-04-08T06:38:35.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90405","tags":"Older American","has_narrative":true,"complaint_id":"21041998","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-08T06:14:06.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>Complaint</em> against : Bank of America Product : <em>Credit</em> card Issue : Dispute transaction / Fraud <em>Complaint</em> <em>narrative</em> : I am filing a <em>complaint</em> regarding Bank of Americas denial of my fraud claim ( Claim # XXXX ) involving a {$1900.00} <em>credit</em> card <em>charge</em> resulting from an airline impersonation scam. \n\nOn XX/XX/year>, I called what I believed was XXXX XXXX customer service after searching for their contact number."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[14.188717,"21041998"]},{"_index":"complaint-public-v1","_id":"15340420","_score":14.024855,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative American Express Fraudulent Accounts I am a victim of identity theft. Fraudulent accounts were opened with American Express in my name without my knowledge or authorization. These accounts include : - American Express XXXX - American Express XXXX Opened up first in XX/XX/year> I never applied for or consented to these accounts. As soon as I discovered them, I filed an FTC Identity Theft Report and a police report to document the fraud. I also provided American Express with dispute letters, copies of my government-issued ID, and proof of my current address. \nDespite this, these fraudulent accounts remain associated with my credit file and are still being reported to the credit bureaus. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the legal right to have all fraudulent information blocked from my credit reports within four business days of submitting proof of identity theft. Additionally, under the Fair Credit Billing Act ( FCBA ), I am not liable for any charges or balances on accounts created or used fraudulently.\n\nI request that the CFPB ensure American Express : 1. Immediately acknowledges these accounts as fraudulent.\n\n2. Ceases all collection efforts related to them.\n\n3. Stops furnishing these accounts to the credit bureaus.\n\n4. Provides me with written confirmation that the accounts have been closed as fraudulent. \nI have attached the following supporting documents : - FTC Identity Theft Report - Police Report - My dispute letters to American Express - Government-issued ID and proof of address This matter has caused significant harm to my credit and financial reputation. I am asking the CFPB to hold American Express accountable for properly investigating and removing these fraudulent accounts from my record","date_sent_to_company":"2025-08-17T04:12:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"15340420","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-08-17T03:53:17.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Despite this, these <em>fraudulent</em> accounts remain associated with my <em>credit</em> file and are still being reported to the <em>credit</em> bureaus. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the legal right to have all <em>fraudulent</em> information blocked from my <em>credit</em> reports within four business days of submitting proof of identity theft. Additionally, under the Fair <em>Credit</em> Billing Act ( FCBA ), I am not liable for any <em>charges</em> or balances on accounts created or used <em>fraudulently</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.024855,"15340420"]},{"_index":"complaint-public-v1","_id":"15340183","_score":14.024855,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative JPMorgan Chase Fraudulent Account I am a victim of identity theft. A fraudulent account was opened with JPMorgan Chase Bank in my name without my knowledge or authorization. The account number is XXXX. Accounts opened since 2021. \nI never applied for or consented to this account. As soon as I discovered it, I filed an FTC Identity Theft Report and a police report to document the fraud. I also provided JPMorgan Chase with written dispute letters, copies of my government-issued ID, and proof of my current address.\n\nDespite this, the fraudulent account remains associated with my credit file and is being reported to the credit bureaus. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the legal right to have all fraudulent information blocked from my credit reports within four business days of submitting proof of identity theft. Additionally, under the Fair Credit Billing Act ( FCBA ), I am not liable for any charges or balances on accounts that were opened or used fraudulently.\n\nI am requesting that the CFPB ensure JPMorgan Chase : 1. Immediately acknowledges this account as fraudulent.\n\n2. Ceases all collection efforts related to this account.\n\n3. Stops furnishing this account to the credit bureaus.\n\n4. Provides me with written confirmation that this account has been permanently closed as fraudulent.\n\nI have attached the following supporting documents : - FTC Identity Theft Report - Police Report - My dispute letter to JPMorgan Chase - Government-issued ID and proof of address This matter has caused significant harm to my credit and financial reputation. I am asking the CFPB to hold JPMorgan Chase accountable for properly investigating and removing this fraudulent account from my record","date_sent_to_company":"2025-08-17T05:01:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"15340183","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-17T03:34:04.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Despite this, the <em>fraudulent</em> account remains associated with my <em>credit</em> file and is being reported to the <em>credit</em> bureaus. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the legal right to have all <em>fraudulent</em> information blocked from my <em>credit</em> reports within four business days of submitting proof of identity theft. Additionally, under the Fair <em>Credit</em> Billing Act ( FCBA ), I am not liable for any <em>charges</em> or balances on accounts that were opened or used <em>fraudulently</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.024855,"15340183"]},{"_index":"complaint-public-v1","_id":"15340088","_score":14.024855,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative JPMorgan Chase Fraudulent Account I am a victim of identity theft. A fraudulent account was opened with JPMorgan Chase Bank in my name without my knowledge or authorization. The account number is XXXX \nI never applied for or consented to this account. As soon as I discovered it, I filed an FTC Identity Theft Report and a police report to document the fraud. I also provided JPMorgan Chase with written dispute letters, copies of my government-issued ID, and proof of my current address. \nDespite this, the fraudulent account remains associated with my credit file and is being reported to the credit bureaus. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the legal right to have all fraudulent information blocked from my credit reports within four business days of submitting proof of identity theft. Additionally, under the Fair Credit Billing Act ( FCBA ), I am not liable for any charges or balances on accounts that were opened or used fraudulently. \nI am requesting that the CFPB ensure JPMorgan Chase : 1. Immediately acknowledges this account as fraudulent.\n\n2. Ceases all collection efforts related to this account.\n\n3. Stops furnishing this account to the credit bureaus.\n\n4. Provides me with written confirmation that this account has been permanently closed as fraudulent. \nI have attached the following supporting documents : - FTC Identity Theft Report - Police Report - My dispute letter to JPMorgan Chase - Government-issued ID and proof of address This matter has caused significant harm to my credit and financial reputation. I am asking the CFPB to hold JPMorgan Chase accountable for properly investigating and removing this fraudulent account from my record","date_sent_to_company":"2025-08-17T04:26:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"15340088","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-17T04:16:04.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Despite this, the <em>fraudulent</em> account remains associated with my <em>credit</em> file and is being reported to the <em>credit</em> bureaus. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the legal right to have all <em>fraudulent</em> information blocked from my <em>credit</em> reports within four business days of submitting proof of identity theft. Additionally, under the Fair <em>Credit</em> Billing Act ( FCBA ), I am not liable for any <em>charges</em> or balances on accounts that were opened or used <em>fraudulently</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.024855,"15340088"]},{"_index":"complaint-public-v1","_id":"2234302","_score":13.708662,"_source":{"product":"Credit card","complaint_what_happened":"Summary : An unauthorized charge for {$200.00} posted to my account on XXXX. I immediately disputed the charge via telephone and requested a security close on my account. After investigating, Citi reversed the temporary credit and said I was responsible for the charge. However, the charge copy provided by Citi clearly shows that the charge was not made by me, nor were the goods shipped to my address. \n\nDisputed charge details : XXXX/XXXX/2016 {$200.00} XXXX Detailed narrative : On or about XXXX, I noticed XXXX pending charges on my Costco Citi Visa account . The charges were for XXXX ( detailed above ) and also for \" XXXX XXXX ''. Neither I nor my wife ( the only other authorized cardholder ) recognized either merchant. \n\nSuspecting fraudulent activity, I called Citi at XXXX and requested a security close of my card. At that time, I also said I believed both charges were fraudulent. The CSR said it was not possible to remove the charges because they were pending and not yet posted. \nA day or so later, both charges were posted to my account. I called Citi again at the same number. The CSR said that the charges should have been flagged as fraudulent during my first call, but had not. She then said she had probably flagged them as fraudulent in the system. \n\nI received my replacement card with a new account number and activated it on XXXX. \nOn XXXX, I received an electronic notification from Citi with additional details about the XXXX charge. I called Citi to determine if I needed to send the letter in or not, and was transferred to the Security Department. I was told that the XXXX charge was not properly flagged in the system as fraudulent but the CSR was not sure if I needed to send the letter in or not. The CSR said she marked the charge as fraud. \n\nAbout an hour later Citi called me back and said I did need to send the letter in. I checked the box that indicated that I was disputing the charge as fraudulent, signed the form, and then mailed it to the address on the notice ( Citi Cards, XXXX, MO XXXX ). \n\nOn XXXX, I received a letter from Citi that said \" Based on the information available, we have closed our investigation and reversed our credit. If you did not make or authorize this charge ( s ), please sign the following statement ... '' I signed a copy of the letter and sent it to Citi using the same address as before. This letter was sent via Certified Mail. \n\nThe XXXX letter also included the charge copy for the disputed transaction. According to the charge copy, the purchaser 's name is XXXX ; last name redacted XXXX ; and the shipping and billing addresses are in XXXX Illinois. \n\nTo be very clear : I do not know XXXX ; redacted XXXX ;, nor is she an authorized cardholder. \nI do not know anyone in XXXX, IL. \nI have not ever done business with XXXX. \nUsing Citi 's own documentation, this charge was clearly not made by an authorized cardholder. \nNeither I nor anyone authorized by me made this charge. \n\nSupplemental Information : The Citi letter sent XXXX including the charge copy are included in this complaint.","date_sent_to_company":"2016-12-03T20:17:57.000Z","issue":"Identity theft / Fraud / Embezzlement","sub_product":null,"zip_code":"30097","tags":null,"has_narrative":true,"complaint_id":"2234302","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-12-03T20:17:56.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Disputed <em>charge</em> details : XXXX/XXXX/2016 {$200.00} XXXX Detailed <em>narrative</em> : On or about XXXX, I noticed XXXX pending <em>charges</em> on my Costco Citi Visa account . The <em>charges</em> were for XXXX ( detailed above ) and also for \" XXXX XXXX ''. Neither I nor my wife ( the only other authorized cardholder ) recognized either merchant. \n\nSuspecting <em>fraudulent</em> activity, I called Citi at XXXX and requested a security close of my card. At that time, I also said I believed both <em>charges</em> were <em>fraudulent</em>."],"product":["<em>Credit</em> card"]},"sort":[13.708662,"2234302"]},{"_index":"complaint-public-v1","_id":"9398432","_score":13.603447,"_source":{"product":"Debt collection","complaint_what_happened":"NARRATIVE I am filing this report to formally document the theft of my identity and the subsequent fraudulent activities that have severely impacted my financial standing and reputation. Over the past several years, I have become aware of unauthorized and false information being reported on my credit report by various credit bureaus. I have not given consent for these activities, and they have caused significant harm to my credit rating and personal reputation.\n\nThe following unauthorized actions have been observed : 1. **Unauthorized Credit Inquiries : ** Numerous credit inquiries have been made without my knowledge or consent. \n2. **Fraudulent Accounts : ** New accounts have been opened in my name that I did not authorize.\n\n3. **Incorrect Personal Information : ** My personal information, including my address and employment details, have been altered inaccurately.\n\n4. **Unapproved Transactions : ** There have been multiple transactions and charges on my existing accounts that I did not make.\n\n5. **Unauthorized Reporting : ** There are numerous accounts being reported by credit bureaus without my consent.\n\nThese fraudulent activities have resulted in : - A significant drop in my credit score.\n\n- Denial of credit applications and loans.\n\n- Damage to my personal and professional reputation. - Emotional distress and financial hardship.\n\nUpon discovering these discrepancies, I have taken the following steps : 1. Contacted the credit bureaus ( Experian, XXXX, and XXXX ) to dispute the unauthorized entries. 2. Placed a fraud alert on my credit reports. \n3. Contacted my financial institutions to report the fraudulent activities and secure my accounts. 4. Filed a complaint with the Federal Trade Commission ( FTC ).\n\n5. Filed a complaint with the Consumer Financial Protect Bureau ( CFPB ) I am requesting a thorough investigation into this matter to identify the individual ( s ) /credit bureaus responsible for these fraudulent activities and to take appropriate legal action. I also seek assistance in rectifying my credit report and restoring my financial standing. \nI am willing to prosecute.","date_sent_to_company":"2024-07-01T21:13:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"85040","tags":null,"has_narrative":true,"complaint_id":"9398432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-01T21:03:42.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Contacted the <em>credit</em> bureaus ( Experian, XXXX, and XXXX ) to dispute the unauthorized entries. 2. Placed a fraud alert on my <em>credit</em> reports. \n3. Contacted my financial institutions to report the <em>fraudulent</em> activities and secure my accounts. 4. Filed a <em>complaint</em> with the Federal Trade Commission ( FTC ).\n\n5."],"sub_product":["<em>Credit</em> card debt"]},"sort":[13.603447,"9398432"]},{"_index":"complaint-public-v1","_id":"18049376","_score":13.589667,"_source":{"product":"Credit card","complaint_what_happened":"CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) Complaint Narrative & Submission Letter Date : XXXX XXXX To : XXXX XXXX XXXX  From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Wrongful Denial of Fraud Claim APPLE / GOLDMAN SACHS BANK XXXX XXXX Unauthorized Charges Please find the following and attached information. Despite over a year of corresponding and providing documentation and proof of a fraudulent charge on my credit card, I have not received a credit back to my APPLE/ GOLDMAN SACHS credit card or a reimbursement check sent to me. In fact, not only have they refused the credit or refund, but they also double charged me for the fraudulent charge by reversing it twice. Because of this, I am filing this complaint because APPLE / GOLDMAN SACHS improperly denied my fraud dispute for XXXX ( XXXX ) unauthorized charges made to my APPLE/ GOLDMAN SACHS Card by XXXX on XX/XX/XXXX, and XX/XX/XXXX, totaling {$2800.00} including interest over the time period. These charges were not authorized by me, are not mine, and meet every federal definition of fraud under the Fair Credit Billing Act ( FCBA ) and Regulation Z. \n\nXXXX fraudulent XXXX transactions appeared on my account : XX/XX/XXXX was / is {$550.00} plus interest for that time period as part of total {$2800.00} XX/XX/XXXX was / is {$510.00} plus interest for that time period as part of total {$2800.00} XX/XX/XXXX was/ is when both charges listed above was reversed and charged to me resulting in a double charge through the double reversal of a fraudulent charge that was never mine in the first place. Same amounts but interest calculated from that date I never approved, authorized, initiated, or benefited from these transactions. \n\nI supplied the following to APPLE / GOLDMAN SACHS during the dispute process : Screenshots showing, I did not authorize the purchase Emails showing, I did not conduct or recognize these transactions Proof I was physically located somewhere else at the time of purchase Proof that the merchant did not deliver anything to me Proof the merchants own logs contradict any claim of authorization Multiple attempts to resolve with the merchant, all unsuccessful Despite this, the bank denied my claim without providing : The merchants proof of authorization for anything on the {$550.00} charge and inaccurate information on the {$510.00} charge Delivery logs none for either date IP/device information for anything on the {$550.00} charge and inaccurate information on the {$510.00} charge Any evidence showing I made these purchases none for either date Violations include : 15 U.S.C. 1666 12 CFR 1026.13 ( Regulation Z ) 15 U.S.C. 1643 Please let me know any and all information and/or documents I need to provide to move this request and process forward. I request that the CFPB require APPLE / GOLDMAN SACHS to reopen and reinvestigate the dispute, provide all evidence, reverse the fraudulent charges, remove fees and credit impacts, reimburse the interest that was charged to my credit card account, pay for any associated legal or processing fees and compensate for any harm done due to the delay and impact on me and provide written acknowledgment. \nRespectfully, XXXX XXXX","date_sent_to_company":"2025-12-01T07:35:01.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92011","tags":null,"has_narrative":true,"complaint_id":"18049376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-12-01T07:25:30.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Despite over a year of corresponding and providing documentation and proof of a <em>fraudulent</em> <em>charge</em> on my <em>credit</em> card, I have not received a <em>credit</em> back to my APPLE/ GOLDMAN SACHS <em>credit</em> card or a reimbursement check sent to me. In fact, not only have they refused the <em>credit</em> or refund, but they also double charged me for the <em>fraudulent</em> <em>charge</em> by reversing it twice."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[13.589667,"18049376"]},{"_index":"complaint-public-v1","_id":"16132892","_score":13.477022,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Fraudulent accounts / identity theft being reported on my credit file in violation of federal law. \n\nCompany Names : SELF FINANCIAL/LEAD BANK ( also known as SELF FINANCIAL/LEAD BA ) XXXX XXXX XXXX Account Details : SELF FINANCIAL/LEAD BANK Account Number : XXXX Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( XX/XX/XXXX ) Original Balance : {$520.00} KIKOFF LENDING LLC Account Number : XXXX Charge Card Date Opened : XX/XX/XXXX Status : Charged Off / {$50.00} Written Off / {$30.00} Past Due ( XX/XX/XXXX ) Credit Limit : {$750.00} On Record Until : XX/XX/XXXX Complaint Description ( for narrative box ) : These accounts are fraudulent and were opened without my knowledge or authorization. I am a victim of identity theft. Their continued reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically : 1681c-2 My right to block and remove fraudulent information.\n\n1681i Duty of consumer reporting agencies to reinvestigate and remove unverifiable accounts.\n\n1681n Willful noncompliance exposes furnishers and reporting agencies to damages. \n\nAdditionally, continued reporting and any attempts to collect violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations.\n\nHarm Suffered : Damage to my credit score and reputation. \n\nDenial of credit opportunities. \n\nEmotional distress from having to dispute fraudulent debts.","date_sent_to_company":"2025-11-05T13:42:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"40214","tags":null,"has_narrative":true,"complaint_id":"16132892","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-09-23T15:05:36.000Z","state":"KY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["for <em>narrative</em> box ) : These accounts are <em>fraudulent</em> and were opened without my knowledge or authorization."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.477022,"16132892"]},{"_index":"complaint-public-v1","_id":"15385944","_score":13.430561,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Continuation of Fraud / Scam ClaimXXXX New Complaint ( Earlier CFPB Case XXXX ) Narrative : I am filing this complaint as a continuation of my earlier CFPB case number XXXX filed on XXXX XXXX against Bank of America ( BoA ). Despite the earlier case being closed, the underlying issue remains unresolved, and BoA has now internally reopened the matter but continues to mishandle it. \nBackground : In XX/XX/year>, my Bank of America credit card was fraudulently charged with two transactions totaling {$5000.00} in XXXX. \nI was physically not present in XXXX ( I was in XXXX, XXXX from May 2031, 2025 with my family ). \nDespite my repeated requests, BoA has never provided documentary evidence ( invoice, receipt, authorization trail ) from the merchant justifying the charges. \nInstead, BoA closed my claim in favor of the merchant without proper proof. \nRecent development : On XX/XX/year>, I received an email from XXXX XXXX XXXX XXXX, Client Advocate, acknowledging my complaint again and leaving me a voicemail requesting I call him back. \nXXXX XXXX is the same officer who previously denied and closed my claim. In the interest of impartiality and fairness, I believe it is inappropriate for him to review the same case again. \nI have already submitted all supporting documents, including emails, XXXX screenshots, travel proof, and bank alerts. There is nothing further I can add ; the burden now rests on BoA to provide proof.\n\nConcerns : 1. BoA refuses to provide documentary evidence supporting the disputed charges.\n\n2. The same officer who previously failed my claim has been reassigned, raising serious concerns of bias.\n\n3. I continue to receive prank/fraudulent calls linked to this matter, adding to stress and insecurity.\n\n4. At 73 years of age, with health issues, both my wife and I are suffering extreme stress because of BoAs mishandling.\n\nI respectfully request CFPB to reopen this matter as a new complaint since BoAs handling has been inadequate and partial, and the dispute remains unresolved. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-19T05:11:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"15385944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-08-19T04:22:28.000Z","state":null,"company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Background : In XX/XX/year>, my Bank of America <em>credit</em> card was <em>fraudulently</em> charged with two transactions totaling {$5000.00} in XXXX. \nI was physically not present in XXXX ( I was in XXXX, XXXX from May 2031, 2025 with my family ). \nDespite my repeated requests, BoA has never provided documentary evidence ( invoice, receipt, authorization trail ) from the merchant justifying the <em>charges</em>. \nInstead, BoA closed my claim in favor of the merchant without proper proof."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[13.430561,"15385944"]},{"_index":"complaint-public-v1","_id":"22686481","_score":13.413661,"_source":{"product":"Credit card","complaint_what_happened":"CFPB Complaint Narrative Product : Credit Card State/CompanXXXX XXXX Citibank , N.A . \nDisputed Amount : {$600.00} Transaction Date : XX/XX/year> Merchant Name : XXXX XXXX Description of Incident : I am filing this complaint against Citibank regarding their failure to properly investigate a clear case of billing fraud and services not rendered under the Fair Credit Billing Act. Citibank has closed my dispute despite my providing ironclad, third-party documentary evidence proving that the transaction was fraudulent. \nOn XX/XX/year>, I purchased a hotel reservation through XXXX for the XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX, for a scheduled stay on XX/XX/year>. \nWhen I physically arrived at the property to check in on XX/XX/XXXX, the hotel front desk staff informed me that my reservation did not exist. Furthermore, they explicitly stated that the hotel has absolutely no relationship or contract with XXXX, and that this booking was a scam. I was forced to find and pay for alternative lodging entirely out of pocket. \nI promptly filed a dispute with Citibank. XXXX defended the charge by claiming I was simply a \" no-show. '' Citibank initially denied my dispute based on this automated merchant response. \nHowever, a consumer can not be a \" no-show '' to a reservation that the physical hotel states never existed in the first place. To prove this, I contacted the hotel management directly. On XX/XX/year>, I forwarded Citibank an official letter from the management of the XXXX XXXX XXXX XXXX. In that letter, the hotel explicitly confirms that they do not partner with XXXX, have no contract with them, and had no booking for me on XX/XX/XXXX. \nDespite receiving this absolute proof that XXXX sold me a fraudulent, non-existent product that they had no legal right or capacity to sell, Citibank sent me a letter dated XX/XX/year>, stating they are closing the investigation because \" the merchant will not honor our request for credit. '' Citibank is failing its regulatory duty to protect me from fraudulent billing. They are allowing a predatory third-party broker to keep {$600.00} for services that were physically and legally impossible to render, completely ignoring written verification from the actual brick-and-mortar merchant. \nI request that the CFPB compel Citibank to re-open this case, review the third-party merchant documentation I have provided, and permanently reverse this fraudulent {$600.00} charge.","date_sent_to_company":"2026-05-29T02:41:42.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92037","tags":null,"has_narrative":true,"complaint_id":"22686481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-05-29T02:18:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> Product : <em>Credit</em> Card State/CompanXXXX XXXX Citibank , N.A . \nDisputed Amount : {$600.00} Transaction Date : XX/XX/year> Merchant Name : XXXX XXXX Description of Incident : I am filing this <em>complaint</em> against Citibank regarding their failure to properly investigate a clear case of billing fraud and services not rendered under the Fair <em>Credit</em> Billing Act."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[13.413661,"22686481"]},{"_index":"complaint-public-v1","_id":"16133270","_score":13.4085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Fraudulent accounts / identity theft being reported on my credit file in violation of federal law. \n\nCompany Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( XX/XX/XXXX ) Original Balance : {$520.00} XXXX XXXX XXXX Account Number : XXXX Charge Card Date Opened : XX/XX/XXXX Status : Charged Off / {$50.00} Written Off / {$30.00} Past Due ( XX/XX/XXXX ) Credit Limit : {$750.00} On Record Until : XX/XX/XXXX Complaint Description ( for narrative box ) : These accounts are fraudulent and were opened without my knowledge or authorization. I am a victim of identity theft. Their continued reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically : 1681c-2 My right to block and remove fraudulent information. \n\n1681i Duty of consumer reporting agencies to reinvestigate and remove unverifiable accounts.\n\n1681n Willful noncompliance exposes furnishers and reporting agencies to damages.\n\nAdditionally, continued reporting and any attempts to collect violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations.\n\nHarm Suffered : Damage to my credit score and reputation. \n\nDenial of credit opportunities. \n\nEmotional distress from having to dispute fraudulent debts.","date_sent_to_company":"2025-09-23T15:25:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"40214","tags":null,"has_narrative":true,"complaint_id":"16133270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-23T15:24:35.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Company Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( XX/XX/XXXX ) Original Balance : {$520.00} XXXX XXXX XXXX Account Number : XXXX <em>Charge</em> Card Date Opened : XX/XX/XXXX Status : Charged Off / {$50.00} Written Off / {$30.00} Past Due ( XX/XX/XXXX ) <em>Credit</em> Limit : {$750.00} On Record Until : XX/XX/XXXX <em>Complaint</em> Description ( for <em>narrative</em> box ) : These"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.4085,"16133270"]},{"_index":"complaint-public-v1","_id":"16133268","_score":13.4085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Fraudulent accounts / identity theft being reported on my credit file in violation of federal law. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( XX/XX/XXXX ) Original Balance : {$520.00} XXXX XXXX XXXX Account Number : XXXX Charge Card Date Opened : XX/XX/XXXX Status : Charged Off / {$50.00} Written Off / {$30.00} Past Due ( XX/XX/XXXX ) Credit Limit : {$750.00} On Record Until : XX/XX/XXXX Complaint Description ( for narrative box ) : These accounts are fraudulent and were opened without my knowledge or authorization. I am a victim of identity theft. Their continued reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically : 1681c-2 My right to block and remove fraudulent information.\n\n1681i Duty of consumer reporting agencies to reinvestigate and remove unverifiable accounts.\n\n1681n Willful noncompliance exposes furnishers and reporting agencies to damages.\n\nAdditionally, continued reporting and any attempts to collect violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations. \n\nHarm Suffered : Damage to my credit score and reputation. \n\nDenial of credit opportunities. \n\nEmotional distress from having to dispute fraudulent debts.","date_sent_to_company":"2025-09-23T15:25:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"40214","tags":null,"has_narrative":true,"complaint_id":"16133268","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-23T15:24:35.000Z","state":"KY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( XX/XX/XXXX ) Original Balance : {$520.00} XXXX XXXX XXXX Account Number : XXXX <em>Charge</em> Card Date Opened : XX/XX/XXXX Status : Charged Off / {$50.00} Written Off / {$30.00} Past Due ( XX/XX/XXXX ) <em>Credit</em> Limit : {$750.00} On Record Until : XX/XX/XXXX <em>Complaint</em> Description ( for <em>narrative</em> box ) : These accounts"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.4085,"16133268"]},{"_index":"complaint-public-v1","_id":"16574340","_score":13.334803,"_source":{"product":"Credit card","complaint_what_happened":"Dear Sir or Madam, Product : Disputed credit card charges Sub-product : Disputed credit card charges Issue : issues paying disputed credit card charges Sub issue : hardship repaying disputed credit card charges Consumer complaint narrative : I am writing to you due to fraudulent charges on a XXXX Barclays credit card. \nI am a senior citizen who has been taken advantage of. I was involved in a presentation with XXXX corporation in XX/XX/year>. \nAfter an extensive, unusually long, extremely high pressure sales process for a vacation package, I was offered a Barclays credit card to use for anything I wanted to purchase in order to offset the cost of the maintenance fees associated with the vacation package. I was told that by using this credit card as much as I could, would gather enough points every month to cover the maintenance fees for this timeshare vacation package. \nI did not realize that I was being charged over {$13000.00} on this credit card for, what I recently discovered, was a down payment for said vacation package. I obviously did NOT understand what was taking place or I would not have agreed to this! \nAfter discovering this, I certainly can not use this card for any other purchases to offset maintenance fees. \nIn good faith, I have attempted to keep up payments on this card, but it has proven to be a hardship and I can no longer make the payments. My husband and I are both retired, living on social security and are raising XXXX grandchildren. It has come down to either paying our regular bills and buying food or continuing to pay this credit card. \nI have contacted Barclays in writing and am waiting to hear back from them. \nI would like to report XXXX for Elder Abuse. They were deceitful and unethical. I am hoping that you will help to remove these charges and cancel this card as I can not keep up with the payments and really did not want another credit card! \n\nThank you for your time, consideration and understanding.","date_sent_to_company":"2025-10-14T13:46:31.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32507","tags":"Older American","has_narrative":true,"complaint_id":"16574340","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-10-14T13:20:41.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Dear Sir or Madam, Product : Disputed <em>credit</em> card <em>charges</em> Sub-product : Disputed <em>credit</em> card <em>charges</em> Issue : issues paying disputed <em>credit</em> card <em>charges</em> Sub issue : hardship repaying disputed <em>credit</em> card <em>charges</em> Consumer <em>complaint</em> <em>narrative</em> : I am writing to you due to <em>fraudulent</em> <em>charges</em> on a XXXX Barclays <em>credit</em> card. \nI am a senior citizen who has been taken advantage of. I was involved in a presentation with XXXX corporation in XX/XX/year>."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"]},"sort":[13.334803,"16574340"]},{"_index":"complaint-public-v1","_id":"14137712","_score":13.279539,"_source":{"product":"Credit card","complaint_what_happened":"Type of complaint : Credit card Fraud or scam Company involved : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX Consumer Complaint Description ( Your Narrative ) : My name is XXXX XXXX XXXX and I am filing a complaint regarding unauthorized and fraudulent use of a Chase-issued XXXXXXXX XXXX XXXX  credit card , where I am listed as a co-applicant with my sister. I am requesting the CFPBs assistance in resolving this matter, as the card was used without my knowledge or consent, and I have been unsuccessful in resolving this directly with the bank due to long hold times and disconnections when attempting to report the card as lost. \n\nBackground : In XX/XX/year>, I experienced a personal family emergency that required me to urgently relocate from XXXX to XXXX. My brother-in-law passed away unexpectedly, and I became responsible for supporting his grieving family and helping care for his children. During this emotionally difficult and chaotic period, I lost track of the credit card account, which I did not have in my possession and was not actively using. \n\nUnbeknownst to me, the credit card was being usedwithout my authorizationfor what now appears to be months of fraudulent charges, including several international transactions. Because my sister ( the primary cardholder ) manages the account through her XXXX online profile, I had no direct access to statements or notifications. She mistakenly believed I was using the card and continued to make minimum payments on it so as not to negatively affect my credit or hers. \n\nIt was not until early XXXX XXXX a year laterthat she sent me a copy of the statement and I became aware of the alarming balance and transactions I did not recognize. I immediately searched for the physical card and realized it was missing. I then tried multiple times to report the card as lost or stolen, but each time I was placed on hold for a long time and eventually disconnected. \n\nThis situation has placed an unfair financial and credit burden on both me and my sister. We were unaware that the card was being misused and only learned about it after damage had already occurred. We are now left with a balance we can not pay, stemming from charges I never made or authorized, and it is actively hurting our credit reports. \n\nResolution Requested : I am respectfully requesting : A formal fraud investigation into the full activity on this card. \nReversal of all unauthorized charges that were made without my knowledge or consent. \n\n\n. \nThank you for reviewing my complaint and for helping protect consumers like myself in vulnerable moments. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-17T13:49:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"14137712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-06-17T13:38:22.000Z","state":"TX","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Type of <em>complaint</em> : <em>Credit</em> card Fraud or scam Company involved : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX <em>Credit</em> Card XXXX Consumer <em>Complaint</em> Description ( Your <em>Narrative</em> ) : My name is XXXX XXXX XXXX and I am filing a <em>complaint</em> regarding unauthorized and <em>fraudulent</em> use of a Chase-issued XXXXXXXX XXXX XXXX  <em>credit</em> card , where I am listed as a co-applicant with my sister."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"]},"sort":[13.279539,"14137712"]},{"_index":"complaint-public-v1","_id":"18956263","_score":13.271543,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Company : Affirm Product : Installment Loan / Buy Now Pay Later Issue : Fraudulent charges/ Billing dispute Narrative : I am filing a complaint regarding a fraudulent loan created through Affirm for a purchase from XXXXXXXX XXXX ( Loan ID : XXXX ). I did not receive any goods or services related to this transaction.\n\nAffirm is requiring me to pay for a loan on merchandise that was never delivered, and the merchant appears to be illegitimate or operating as a scam.\n\nI initiated a dispute with Affirm and clearly stated that I did not receive the item, and that the merchant could not provide any proof of delivery. Affirm closed the investigation by stating that the activity was associated with my account without addressing the key issue : no product was ever delivered, and no proof of delivery exists.\n\nAffirm did not provide : Tracking number Proof of shipment Proof of delivery Delivery address Any documentation from the merchant Any evidence that the transaction was legitimate The merchant can not be contacted and has not provided any merchandise. I have no product, no tracking, and no confirmation of shipment. Affirm is still holding me financially responsible.\n\nI am preparing a police report for this fraudulent transaction and have asked Affirm to open a second investigation. They continue to insist that I am responsible for payments, and they warn that my credit may be negatively impacted.\n\nThis is unfair and unreasonable.\n\nAffirm is attempting to collect payment on a loan tied to merchandise that does not exist and was never delivered.\n\nI am requesting CFPB assistance to ensure that : 1. Affirm opens a fair and complete reinvestigation.\n\n2. Affirm provides proof of delivery or cancels the loan.\n\n3. My credit is not negatively affected for refusing to pay for goods I never received.\n\n4. The merchant XXXX XXXX is reviewed for fraudulent activity. \n\nI\n\nam willing to provide screenshots, correspondence, and any documentation necessary, including the forthcoming police report. Thank you for your assistance.","date_sent_to_company":"2026-01-23T16:48:55.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"119XX","tags":null,"has_narrative":true,"complaint_id":"18956263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-11-28T19:36:43.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Company : Affirm Product : Installment Loan / Buy Now Pay Later Issue : <em>Fraudulent</em> <em>charges</em>/ Billing dispute <em>Narrative</em> : I am filing a <em>complaint</em> regarding a <em>fraudulent</em> loan created through Affirm for a purchase from XXXXXXXX XXXX ( Loan ID : XXXX ). I did not receive any goods or services related to this transaction.\n\nAffirm is requiring me to pay for a loan on merchandise that was never delivered, and the merchant appears to be illegitimate or operating as a scam."]},"sort":[13.271543,"18956263"]},{"_index":"complaint-public-v1","_id":"13327121","_score":13.202108,"_source":{"product":"Credit card","complaint_what_happened":"CFPB Complaint Narrative Company : Navy Federal Credit Union Product : Credit card Issue : Unauthorized transactions Account/Card Ending : XXXX Date of initial dispute : XX/XX/2024 Amount disputed : {$480.00} I am filing this complaint to report and document my ongoing dispute with Navy Federal Credit Union regarding unauthorized transactions on my credit card ending in XXXX. \n\nI initially submitted a fraud claim to Navy Federal on XX/XX/2024, disputing charges totaling {$480.00}. These were all online transactions for items I did not authorize, including purchases from XXXX and a charge related to XXXX  medication. I did not receive any of the merchandise from these charges at my residence. My card was in my possession the entire time, and I have never shared it with anyone. \n\nIn response, Navy Federal issued a message stating that \" no error has occurred '' after a \" thorough investigation. '' However, they did not provide any explanation or detail on how this determination was made. I called customer service and verbally requested the methods used in their investigation, but I believe my concern was never properly documented. \n\nI have since submitted a second review request, which includes a formal police report filed with the XXXX Police Department and this complaint to the Consumer Financial Protection Bureau. I am attaching the police report as supporting documentation. \n\nIn my second review, I clarified : Why the claim should be honored : These were unauthorized, online transactions. I did not benefit from or receive the products. \nPossession of the card : The physical card was with me at all times. \nPossible compromise : I believe the card information was stolen at a diner during travel in late XX/XX/2024, possibly around XX/XX/XXXX. \nNo shared use : I have never allowed anyone else to use my card. \nNo merchandise received : None of the fraudulent items were delivered to me. \nThis is a sincere and honest request for assistance. I respectfully ask the CFPB to investigate and ensure that Navy Federal provides transparency about how they reached their initial decision. I believe this matter was wrongly closed, and with the new documentation, it deserves to be fairly reconsidered.","date_sent_to_company":"2025-05-04T15:14:41.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"13327121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-05-04T14:50:22.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> Company : Navy Federal <em>Credit</em> Union Product : <em>Credit</em> card Issue : Unauthorized transactions Account/Card Ending : XXXX Date of initial dispute : XX/XX/2024 Amount disputed : {$480.00} I am filing this <em>complaint</em> to report and document my ongoing dispute with Navy Federal <em>Credit</em> Union regarding unauthorized transactions on my <em>credit</em> card ending in XXXX. \n\nI initially submitted a fraud claim to Navy Federal on XX/XX/2024, disputing <em>charges</em> totaling {$480.00}."],"product":["<em>Credit</em> card"],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"]},"sort":[13.202108,"13327121"]},{"_index":"complaint-public-v1","_id":"4719536","_score":13.122294,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was the victim of a credit card scam XX/XX/2021, involving XXXX and Barclays. On XX/XX/XXXX, by registered mail, return receipt requested, I sent both companies the police report, screenshots of fraudulent computer interactions, and a narrative of my trauma, attached below. XXXX immediately removed the charges and cleared all debt, but Barclays continues to deny my claim. I had spoken with Barclays XX/XX/XXXX, XXXX ( XXXX ), XXXX ( XXXX  ), XX/XX/XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX, XXXX ), XX/XX/XXXX ( XXXX ). I received inconsistent, unclear information during these calls, and other times was kept on hold for up to 75 minutes and never spoke to anyone. On XX/XX/XXXX I received a letter from Barclays, dated XX/XX/XXXX, which denied my petition for dismissal of {$5700.00} in fraudulent charges, and stated I owed the original amount plus interest and penalty fees. Friday, XX/XX/XXXX I finally reached XXXX, who scheduled a call back for me and at XXXX XXXX. I spoke with XXXX who said by mistake they had scanned my documents but never forwarded them to a supervisor for review, that my case had been closed and was unable to be re-opened, but that she would send my information to a supervisor. XX/XX/XXXX I received a letter denying my claim. XX/XX/XXXX I filed complaints with XXXX, XXXX, FBI, FTC, and XXXX. On XX/XX/XXXX I received a barely intelligible voice mail from a woman with \" the executive office at Barclays '' who said she would call me back, but has never followed up with me. I filed a complaint with the Louisiana Attorney General on XX/XX/XXXX. Today I received a billing notification from Barclays that I owe {$5900.00} by XX/XX/XXXX.","date_sent_to_company":"2021-09-14T21:28:23.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"707XX","tags":null,"has_narrative":true,"complaint_id":"4719536","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2021-09-14T19:31:34.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I was the victim of a <em>credit</em> card scam XX/XX/2021, involving XXXX and Barclays. On XX/XX/XXXX, by registered mail, return receipt requested, I sent both companies the police report, screenshots of <em>fraudulent</em> computer interactions, and a <em>narrative</em> of my trauma, attached below. XXXX immediately removed the <em>charges</em> and cleared all debt, but Barclays continues to deny my claim."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[13.122294,"4719536"]},{"_index":"complaint-public-v1","_id":"14921709","_score":13.080201,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against Wells Fargo Regarding Mishandled Fraudulent Check Incident {$24000.00} Loss Dear CFPB Representative, I am filing this complaint against Wells Fargo Bank regarding a serious incident involving a fraudulent check deposit on XX/XX/year>, that led to a financial loss of {$24000.00} and subsequent harmful collection activity. \n\nOn that date, I deposited check # XXXX from XXXX XXXXXXXX XXXX in the amount of {$24000.00}. The next day, XX/XX/year>, I visited my Wells Fargo branch to express concern about the check 's legitimacy. Despite my clear warnings, the banker assured me the check had cleared, even showing me the banks internal system confirming the funds. Based on their guarantee, I requested and received a cashier 's check for the full amount. \n\nWeeks later, Wells Fargo reversed the transaction, stating the check was fraudulent. They are now attempting to recover the funds from me a victim of fraud who relied on their system and staff. The bank 's current narrative falsely suggests I ignored their warnings, which is simply not true. I proactively alerted them, but their reassurances led me to act in good faith. \n\nXXXX XXXX negligence has caused me not only financial harm but also emotional distress. I respectfully request that the CFPB investigate this matter and help ensure Wells Fargo : - Cancels the {$24000.00} charge from my account - Stops all collection activity and third-party actions - Removes any related negative credit reporting - Discloses their internal documentation about the deposit and funds availability - Issues a formal written apology acknowledging their mishandling Attached is my full response letter to Wells Fargo for reference. \n\nThank you for your assistance. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-28T20:48:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"331XX","tags":"Older American","has_narrative":true,"complaint_id":"14921709","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-07-28T20:40:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["XXXX XXXX Washington, XXXX XXXX Subject : Formal <em>Complaint</em> Against Wells Fargo Regarding Mishandled <em>Fraudulent</em> Check Incident {$24000.00} Loss Dear CFPB Representative, I am filing this <em>complaint</em> against Wells Fargo Bank regarding a serious incident involving a <em>fraudulent</em> check deposit on XX/XX/year>, that led to a financial loss of {$24000.00} and subsequent harmful collection activity. \n\nOn that date, I deposited check # XXXX from XXXX XXXXXXXX XXXX in the amount of {$24000.00}."]},"sort":[13.080201,"14921709"]},{"_index":"complaint-public-v1","_id":"6642963","_score":12.98831,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This complaint has XXXX components ; XXXX ) a complaint against a company which wrongfully charged my credit card ( XXXX  ) and ; XXXX ) a complaint a against my credit card company for mishandling the dispute which I filed with them ( Citi Card ). XXXX ) I will first explain the fraudulent charge, XXXX ) next the botched dispute process I am still engaged in, and finally, XXXX ) the steps I am taking to continue to try to resolve this matter. \n\nXXXX ) Regarding the fraudulent charge by XXXX  : In XX/XX/XXXX, I hired XXXX to install a new air conditioning unit at a property I own in XXXX XXXX XXXX, FL. XXXX is the company name. The owner is a man by the name of XXXX. That is all the identifying information I have on the owner. He is a small business operator with a company, who runs his business from his home, and was referred to me by a resident in the neighborhood. \n\nI used my Costco Citi Visa to pay for the equipment. On XX/XX/XXXX, I was charged by XXXX {$2800.00} with my knowledge and consent. The service was fulfilled by the vendor. Citi Card paid the vendor for the service, leaving me with a debt to Citi Card. \n\nBy XX/XX/XXXX, I had paid that balance off to {$0.00}. Meaning all obligations to Citi Card and XXXX had been fulfilled, and I owed no further money related to the AC installation. \n\nThe XX/XX/XXXX and XX/XX/XXXX bank statements have been included as an attachment I have also included a copy of the air conditioner warranty dated XX/XX/XXXX, to help denote the time of this transaction. \n\nMy card balance remained at {$0.00} until XX/XX/XXXX. That is when XXXX charged and then immediately returned another {$2200.00}. I was completely unaware of this charge because, ultimately, my balance still ended up at {$0.00} thus I did not examine my statement that month. This charge was made without my knowledge and without my authorization. That XX/XX/XXXX statement has been attached as well. \n\nI was made aware of the XX/XX/XXXX charge when, in XX/XX/XXXX, XXXX charged my card for now a third time in the amount of {$2900.00}, and a Citi Card employee pointed it out to me. This XXXX charge stayed on my account and thus it immediately caught my attention. I immediately filed a dispute. This charge was also made without my knowledge and without my authorization. The XX/XX/XXXX statement has been included as an attachment. \n\nIt is clear to me that XXXX, the proprietor of XXXX, retained my card information and used it to extract money from my account for his own personal gain. I did not do business with this person or company after the initial service in XX/XX/XXXX. This business / person was not authorized and had no cause to charge my account any time after XX/XX/XXXX. \n\nXXXX ) Complaint against Citi Card : The above narrative along with copies of my credit card statements and other documents were given to Citi Card verbally and in writing multiple times starting in XX/XX/XXXX when the charges were first discovered. Despite having followed Citi Card 's dispute process, the credit card company continually asked me to submit the same information multiple times ; opened, closed, and reopened my case several times; reclassified my case twice ; and generally gave me the run-around while offering no real assistance for 7 months. Finally, in XXXX of XXXX, Citi Card declared that they could not take any action on case because 'too much time had passed '. This stunned me as I had filed my dispute in same month the fraudulent charge was made and submitted the forms and statements that Citi required. All documentation that I have access to has been included. \n\nI submit that it is their own convoluted processes that caused the major delays and that they were attempting to deny me the consumer protections they should be providing to its customers. There is an additional statement regarding Citi Card 's next declaration I will explain in the next section, as I am trying to narrate this chronologically. \n\nXXXX ) Steps I have taken outside Citi Card 's process and against Citi Card : After receiving no satisfaction with Citi Card, I filed a complaint with the both my local police department and State Attorney 's General office against Citi Card. Those emails have been included. I also attempted to retain legal representation, but no law firm was able to take this case without it actually being in collections. \n\nAfter this complaint to the AG, Citi Card responded to me in XX/XX/XXXX by saying that, 'since I reported my card lost or stolen, they were referring my case to yet another department within the company '. I responded to Citi Card by refuting their claim that ever reported my card lost or stolen. I never gave them any such indication and this demonstrated another example of how Citi Card is giving me the run-around, attempting to scapegoat me, and eluding their responsibility to protect me as a consumer. \n\nMy primary complaint right now is with Citi Card. I believed that when I initially filed my dispute, my case was clear and my credit card company would protect my interests. This did not happen. My next step of recourse is to file this complaint with your office. All documents that I have access to have been included. They are provided in reverse chronological order with the most recent correspondence appearing first. \n\nAFTER TYPING THIS NARRATIVE, I ATTEMPTED TO UPLOAD THE PROMISED DOCUMENTATION. HOWEVER, THE SYSTEM REJECTED MY FILE BECAUSE IT WAS TOO LARGE. THE UPLOAD LIMIT IS XXXX. MY FILE IS XXXX MB ( XXXX Pages, PDF, INCLUDING CORRESPONDENCE TO AND FROM CITI, CREDIT CARD STATEMENTS, POLICE REPORT, CORRESPONDENCE FROM THAT AGs OFFICE, ETC. ). I ATTEMPTED TO ZIP THE FILE, BUT IT STILL EXCEEDED THE LIMIT. I AM HAPPY TO PROVIDE MY SUPPORTING DOCUMENT ANOTHER WAY.","date_sent_to_company":"2023-03-03T18:34:56.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33147","tags":null,"has_narrative":true,"complaint_id":"6642963","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-03-03T17:13:49.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This <em>complaint</em> has XXXX components ; XXXX ) a <em>complaint</em> against a company which wrongfully charged my <em>credit</em> card ( XXXX  ) and ; XXXX ) a <em>complaint</em> a against my <em>credit</em> card company for mishandling the dispute which I filed with them ( Citi Card ). XXXX ) I will first explain the <em>fraudulent</em> <em>charge</em>, XXXX ) next the botched dispute process I am still engaged in, and finally, XXXX ) the steps I am taking to continue to try to resolve this matter."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[12.98831,"6642963"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":144,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":144}]}},"product":{"doc_count":144,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":58,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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