{"took":153,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":520,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10795930","_score":23.42004,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( XXXX ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the XXXX. \n\nAs you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least XXXX  days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties. \n\nDespite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ). \n\nProvide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with XXXX guidelines. \n\nCorrect my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. \n\nEnsure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least XXXX  days before the due date, as required by law. \n\nThis issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the XXXX, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate. \n\nPlease acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.","date_sent_to_company":"2024-11-14T20:35:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"10795930","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-14T20:35:49.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to follow up on previous disputes <em>regarding</em> the <em>failure</em> of your company to send my <em>billing</em> statements in a timely manner, in violation of the Fair Credit <em>Billing</em> Act ( XXXX ), specifically 15 U.S. Code 1666b."]},"sort":[23.42004,"10795930"]},{"_index":"complaint-public-v1","_id":"10795047","_score":23.42004,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( FCBA ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the FCBA.\n\nAs you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least 21 days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties.\n\nDespite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ).\n\nProvide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with FCBA guidelines.\n\nCorrect my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. \n\nEnsure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least 21 days before the due date, as required by law. \n\nThis issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the FCBA, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate.\n\nPlease acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.","date_sent_to_company":"2024-11-14T21:18:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"10795047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-14T21:18:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to follow up on previous disputes <em>regarding</em> the <em>failure</em> of your company to send my <em>billing</em> statements in a timely manner, in violation of the Fair Credit <em>Billing</em> Act ( FCBA ), specifically 15 U.S. Code 1666b."]},"sort":[23.42004,"10795047"]},{"_index":"complaint-public-v1","_id":"10796236","_score":23.397148,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( XXXX ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the XXXX. \n\nAs you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least XXXX  days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties. \n\nDespite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ). \n\nProvide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with XXXX guidelines. \n\nCorrect my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. \n\nEnsure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least XXXX  days before the due date, as required by law. \n\nThis issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the XXXX, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate. \n\nPlease acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.","date_sent_to_company":"2024-11-14T20:35:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"10796236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fig Tech Inc.","date_received":"2024-11-14T20:02:23.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to follow up on previous disputes <em>regarding</em> the <em>failure</em> of your company to send my <em>billing</em> statements in a timely manner, in violation of the Fair Credit <em>Billing</em> Act ( XXXX ), specifically 15 U.S. Code 1666b."]},"sort":[23.397148,"10796236"]},{"_index":"complaint-public-v1","_id":"10795922","_score":23.397148,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( XXXX ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the XXXX. \n\nAs you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least XXXX  days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties. \n\nDespite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ). \n\nProvide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with XXXX guidelines. \n\nCorrect my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. \n\nEnsure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least XXXX  days before the due date, as required by law. \n\nThis issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the XXXX, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate. \n\nPlease acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.","date_sent_to_company":"2024-11-14T21:18:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"10795922","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-11-14T20:39:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to follow up on previous disputes <em>regarding</em> the <em>failure</em> of your company to send my <em>billing</em> statements in a timely manner, in violation of the Fair Credit <em>Billing</em> Act ( XXXX ), specifically 15 U.S. Code 1666b."]},"sort":[23.397148,"10795922"]},{"_index":"complaint-public-v1","_id":"10795493","_score":23.397148,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( XXXX ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the XXXX. \n\nAs you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least XXXX days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties. \n\nDespite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ). \n\nProvide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with XXXX guidelines. \n\nCorrect my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. \n\nEnsure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least XXXX  days before the due date, as required by law. \n\nThis issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the XXXX, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate. \n\nPlease acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.","date_sent_to_company":"2024-11-14T20:35:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"10795493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-14T20:35:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to follow up on previous disputes <em>regarding</em> the <em>failure</em> of your company to send my <em>billing</em> statements in a timely manner, in violation of the Fair Credit <em>Billing</em> Act ( XXXX ), specifically 15 U.S. Code 1666b."]},"sort":[23.397148,"10795493"]},{"_index":"complaint-public-v1","_id":"10795048","_score":23.397148,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( FCBA ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the FCBA.\n\nAs you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least 21 days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties. \n\nDespite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ).\n\nProvide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with FCBA guidelines. \n\nCorrect my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. \n\nEnsure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least 21 days before the due date, as required by law. \n\nThis issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the FCBA, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate.\n\nPlease acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.","date_sent_to_company":"2024-11-14T21:18:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"10795048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-14T21:18:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to follow up on previous disputes <em>regarding</em> the <em>failure</em> of your company to send my <em>billing</em> statements in a timely manner, in violation of the Fair Credit <em>Billing</em> Act ( FCBA ), specifically 15 U.S. Code 1666b."]},"sort":[23.397148,"10795048"]},{"_index":"complaint-public-v1","_id":"19613330","_score":20.480293,"_source":{"product":"Credit card","complaint_what_happened":"Navy Federal closed my credit card account on XX/XX/year>. I have continued making payments on the remaining balance. \n\nOn XX/XX/year>, I sent a certified billing error notice disputing post-closure interest charges. Navy Federal received the letter on XX/XX/year>. Despite receipt of this notice, Navy Federal has : - Continued adding interest to the disputed balance ; - Failed to provide a substantive investigation response as required under 12 C.F.R. 1026.13 ; - Continued reporting the inflated balance to consumer reporting agencies ; and - Failed to ensure accurate credit reporting during an active billing dispute. \n\nMy dispute concerns post-closure interest charges that materially inflate the reported balance and significantly impact my revolving utilization and credit score. Rather than conduct and document a proper investigation, Navy Federal has issued boilerplate responses stating that interest will continue to accrue, without addressing the procedural requirements triggered by a billing-error notice. \n\nUnder Regulation Z and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), a furnisher must conduct a reasonable investigation and report accurate information, including the disputed status of an account. Continuing to report a balance that includes disputed charges, without resolving the dispute or properly investigating it, constitutes ongoing reporting of potentially inaccurate information.\n\nThis is not a contractual disagreement about whether interest may accrue. This is a compliance issue regarding : - Failure to properly investigate a billing error notice ; - Continued assessment of disputed finance charges ; - Ongoing reporting of an inflated balance ; Credit reporting during an unresolved dispute Navy Federals responses to date demonstrate dismissal of procedural requirements and reliance on generic contractual language rather than compliance review. The violations are ongoing, and the continued balance inflation has materially harmed my credit profile and ability to obtain financing.","date_sent_to_company":"2026-02-19T06:47:36.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"200XX","tags":null,"has_narrative":true,"complaint_id":"19613330","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-02-19T06:18:36.000Z","state":"DC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["This is a <em>compliance</em> <em>issue</em> <em>regarding</em> : - <em>Failure</em> to <em>properly</em> <em>investigate</em> a <em>billing</em> error notice ; - Continued assessment of disputed finance charges ; - Ongoing reporting of an inflated balance ; Credit reporting during an unresolved dispute Navy Federals responses to date demonstrate dismissal of procedural requirements and reliance on generic contractual language rather than <em>compliance</em> review."]},"sort":[20.480293,"19613330"]},{"_index":"complaint-public-v1","_id":"12024990","_score":20.283527,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Against Capital One Regarding Failure to Investigate Billing Dispute Properly On XX/XX/year>, I rented a vehicle through the XXXX XXXX XXXX for XXXX, incurring a charge of {$260.00} on my Capital One credit card. The vehicle experienced mechanical issues, and XXXX employees instructed me to wait for further instructions on obtaining a replacement vehicle. During this period, I was unable to work, and the rental agreement was exclusively tied to XXXX rental terms. XXXX ultimately failed to provide a timely replacement and refused to waive rental fees for the days I was forced to wait, despite a manager acknowledging the issue in writing and stating that it would be escalated. Instead, XXXX wrongfully treated this as a standard rental agreement rather than an XXXX-specific rental. \n\nUnder the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, and Regulation Z, 12 C.F.R. 1026.13, Capital One was required to conduct a reasonable investigation into my billing dispute when I reported it. I formally disputed the XXXX charge, explaining that the fees were improper under the rental agreement terms and providing supporting documentation, including my communications with XXXX, proof of the managers statement acknowledging the issue, and evidence of the improper charges. Despite this, Capital One responded with conflicting messages : one stating that they would not remove the charges and another asserting that they had not received any documentation. This demonstrates that Capital One either failed to conduct a reasonable investigation or relied on an automated system that did not meaningfully review the dispute, violating its obligations under the FCBA. \n\nThe FCBA requires creditors to resolve disputes within two billing cycles ( not exceeding 90 days ) and prohibits them from collecting the disputed amount during the investigation period. However, Capital One continued to charge interest on the disputed amount, despite failing to conduct a legally sufficient investigation. By failing to properly review my dispute and continuing to hold me liable for improper charges, Capital One has engaged in unfair and deceptive practices in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). \n\nI request that the Consumer Financial Protection Bureau take appropriate action to compel Capital One to comply with its legal obligations, including : Reversing the disputed charge of {$260.00} and any related fees. \nRefunding any interest accrued on the improper charge. \nProviding a full explanation of its dispute resolution process and why it failed to properly investigate my claim. \nEnsuring future compliance with the FCBA by implementing a process that guarantees consumers ' disputes are investigated in good faith, rather than dismissed without meaningful review. \nCapital Ones failure to investigate this dispute in accordance with federal law has caused financial harm and demonstrates a broader issue of non-compliance with consumer protection regulations. Im asking the CFPB to intervene to ensure that Capital One is held accountable and that similar violations do not continue to occur.","date_sent_to_company":"2025-02-10T11:58:33.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"91401","tags":null,"has_narrative":true,"complaint_id":"12024990","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-02-10T11:51:30.000Z","state":"CA","company_public_response":null,"sub_issue":"Overcharged for something you did purchase with the card"},"highlight":{"complaint_what_happened":["Complaint Against Capital One <em>Regarding</em> <em>Failure</em> to <em>Investigate</em> <em>Billing</em> Dispute <em>Properly</em> On XX/XX/year>, I rented a vehicle through the XXXX XXXX XXXX for XXXX, incurring a charge of {$260.00} on my Capital One credit card. The vehicle experienced mechanical <em>issues</em>, and XXXX employees instructed me to wait for further instructions on obtaining a replacement vehicle. During this period, I was unable to work, and the rental agreement was exclusively tied to XXXX rental terms."]},"sort":[20.283527,"12024990"]},{"_index":"complaint-public-v1","_id":"21159295","_score":19.764952,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Navy Federal Credit Union regarding their handling of a dispute involving negligent automotive repair services that resulted in substantial financial loss and safety risk. \n\nThis complaint extends beyond a disputed charge. It involves failure to conduct a thorough investigation, premature closure of a claim, admission of internal error, and continued delay despite full evidence being providedall of which raise serious concerns under the Fair Credit Billing Act ( FCBA ). \n\nBackground of the Dispute On XX/XX/year>, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX and an XXXX  ( XXXX ) sensor, which were installed by XXXX. \n\nImmediately following this installation : The vehicle began malfunctioning Performance declined significantly Safety concerns became evident Subsequent findings confirmed : Damage to engine and brake-related wiring Compromised fuel system, including a damaged gas line The vehicle was rendered unsafe and ultimately undrivable The vehicle later failed completely and was deemed unsafe by a mechanic, forcing me to impound it and purchase a replacement vehicle. \n\nFinancial Impact As a direct result, I incurred total damages of : {$4200.00} Additionally, I had invested {$1600.00} on XX/XX/year> to maintain the vehicle, demonstrating responsible ownership and maintenance prior to this incident. \n\nDispute Process & Procedural Failures I formally disputed these charges with Navy Federal and provided all requested documentation supporting my claim, including evidence of : Negligent installation Resulting mechanical damage Financial losses directly tied to the service However, Navy Federals handling of this dispute has been deeply concerning : Failure to Conduct a Thorough Investigation My dispute was closed without a complete or proper review of the evidence submitted.\n\nAdmission of Error by Navy Federal After closing the claim, I received communication from Navy Federal acknowledging that : Documentation had been submitted as requested The claim had not been properly reviewed They apologized and reopened the dispute, confirming that the initial closure was their mistake.\n\nContinued Delay & Lack of Resolution Despite reopening the case and having all relevant documentation : Navy Federal has failed to move forward in a timely manner They are delaying resolution despite having the necessary evidence No provisional credit has been issued No clear or substantive updates have been provided This pattern reflects procedural negligence and failure to meet dispute resolution standards.\n\nRequests Made to Navy Federal I formally requested : XXXX. Full reimbursement of {$4200.00} XXXX. Provisional credit during the investigation XXXX. A complete investigation under the Fair Credit Billing Act XXXX. A written explanation for any delay or denial XXXX. Copies of all documentation used in their decision-making XXXX. Confirmation of compliance with federal dispute timelines These requests have not been properly fulfilled. \n\nLegal Concerns Under the Fair Credit Billing Act, financial institutions are required to : Conduct a reasonable and thorough investigation Avoid premature or unsupported claim closures Resolve disputes within two billing cycles ( maximum 90 days ) Correct billing errors when services were not properly rendered The failure to properly investigate, combined with an admitted internal error and continued delay, raises serious concerns about compliance with these requirements.\n\nRequested Resolution I am requesting the CFPBs assistance to ensure : Immediate full reimbursement of {$4200.00} Proper handling and completion of the dispute Accountability for the premature closure and procedural errors Assurance that Navy Federal complies with federal dispute resolution laws Closing Statement I acted in good faith, provided all requested documentation, and followed the proper dispute process. Navy Federal initially failed to properly review my claim, admitted their error, and has since continued to delay resolution despite having all necessary information. \n\nThis is not simply a delay, it is a failure of process, oversight, and compliance. \n\nI respectfully request intervention to ensure this matter is resolved fairly and in accordance with federal law.","date_sent_to_company":"2026-04-11T13:48:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90043","tags":null,"has_narrative":true,"complaint_id":"21159295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-04-11T13:24:22.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Legal Concerns Under the Fair Credit <em>Billing</em> Act, financial institutions are required to : Conduct a reasonable and thorough <em>investigation</em> Avoid premature or unsupported claim closures Resolve disputes within two <em>billing</em> cycles ( maximum 90 days ) Correct <em>billing</em> errors when services were not <em>properly</em> rendered The <em>failure</em> to <em>properly</em> <em>investigate</em>, combined with an admitted internal error and continued delay, raises serious concerns about <em>compliance</em> with these requirements."]},"sort":[19.764952,"21159295"]},{"_index":"complaint-public-v1","_id":"16345949","_score":19.745909,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Failure to Conduct Proper Investigation Violation of FCBA and Regulation E Introduction & Summary of Complaint I am formally escalating my dispute regarding the improper handling of a payment in the amount of {$11000.00}, tied to my American Express account American Express acknowledged receipt of my dispute under Dispute Reference Number XXXX and issued correspondence dated XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. In these letters, American Express claimed that it had conducted an investigation into my billing dispute. However, the review performed was inadequate and non-compliant with the requirements of the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ) and Regulation E ( 12 CFR Part 1005 ).\n\n2. Issuing Bank Responsibility Under Regulation E The CFPB Supervisory Highlights, Issue 37 ( Winter 2024 ) explicitly reaffirm that consumers have a\nreasonable expectation that their issuing bank will comply with Regulation E and honor valid stop-payment requests. American Express itself acknowledged in its XX/XX/XXXX letter that it is the issuing bank. \n\nAs such, AmEx is directly obligated to : Ensure compliance with 1005.10 ( c ) regarding stop-payment rights ; Prevent unauthorized or misexecuted debits ; Conduct a reasonable investigation when a billing error or dispute is raised.\n\n3. Failure to Conduct a Reasonable Investigation The investigation described in AmExs correspondence does not satisfy FCBA or Reg E standards because : 1. No Merchant Verification : The record shows no evidence that AmEx contacted the merchant to validate or deny the authorization of the disputed transaction. Internal review alone does not constitute a reasonable investigation under federal law. 2. Improper Dismissal of Payment Instrument : AmEx claimed the payment coupon appeared to have been modified and therefore rejected it as a payment\ninstrument. However, this conclusion was reached without confirming whether the coupon or related transaction was properly processed through its merchant or processor channels.\n\n3. Processor Accountability : If XXXX or any other third-party PIN-debit processor was involved in the handling of this payment, AmExas the issuing bankis legally responsible for their compliance failures.\n\n4. CFPB Findings on Improper Practices The CFPB has already found in Supervisory Highlights that : Network operators and ODFIs have engaged in improper re-presentment and failure to monitor ACH transactions, causing substantial consumer injury.\n\nIssuing banks have an obligation to ensure stop-payment requests are honored and to prevent unauthorized or improperly re-processed transactions.\n\nBy refusing to honor my dispute and failing to properly investigate, AmExs actions fall squarely within the unfair or deceptive acts or practices ( UDAAP ) identified by CFPB supervision.\n\n5. Remedy Requested I hereby demand that American Express : 1. Immediately correct my account by reversing the disputed amount of {$11000.00}.\n\n2. Confirm in writing that all interest, late fees, penalties, or adverse credit reporting related to this dispute will be removed.\n\n3. Provide documentation of all communications with the merchant and/or processors relating to this transaction, as required under FCBA/Reg E .\n\n4. Preserve all records relating to this dispute for review by the CFPB.\n\n6. Notice of CFPB Filing This letter is being submitted concurrently to the Consumer Financial Protection Bureau for independent review. The CFPB has jurisdiction over violations of FCBA and Regulation E and has already identified similar practices as unlawful.\n\n7. Conclusion American Express, as the issuing bank, can not meet its federal obligations by limiting its investigation to an internal review. Without merchant-level verification and proper adherence to Regulation E stop-payment rules, the investigation performed is inadequate and unlawful.","date_sent_to_company":"2025-10-03T21:03:03.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"29418","tags":"Servicemember","has_narrative":true,"complaint_id":"16345949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-10-03T19:23:36.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["As such, AmEx is directly obligated to : Ensure <em>compliance</em> with 1005.10 ( c ) <em>regarding</em> stop-payment rights ; Prevent unauthorized or misexecuted debits ; Conduct a reasonable <em>investigation</em> when a <em>billing</em> error or dispute is raised.\n\n3. <em>Failure</em> to Conduct a Reasonable <em>Investigation</em> The <em>investigation</em> described in AmExs correspondence does not satisfy FCBA or Reg E standards because : 1."]},"sort":[19.745909,"16345949"]},{"_index":"complaint-public-v1","_id":"10562415","_score":19.61356,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Regarding Disputed Transaction and Billing Practices Goldman Sachs Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding Goldman Sachs Bank USA ( Goldman ) in connection to its handling of a dispute related to my Apple Card account. This issue is particularly concerning given the Bureau 's recent order issued on XX/XX/XXXX, against Goldman for violations related to the Truth in Lending Act and Regulation Z. \n\nIn my case, I have encountered similar problems. I am disputing a transaction with XXXX  ( Transaction Date : XX/XX/XXXX ; Disputed Amount : {$260.00} ; Dispute Case Number : XXXX ). Despite multiple attempts to resolve the matter with Goldman Sachs, I have been re-billed three times for the disputed transaction without any evidence provided to justify these charges. \n\nGoldman has failed to conduct a reasonable investigation, and I have not received the required resolution letters or any substantial response within the legally mandated timeframes. This echoes the Bureaus findings regarding Goldmans failure to handle disputes and its delay in resolving transaction disputes, as outlined in your recent announcement. It appears that Goldman is still engaging in unfair practices by holding me liable for this disputed amount without properly investigating or resolving the issue, which directly contradicts their legal obligations under the Truth in Lending Act and the Consumer Financial Protection Act of XXXX. \n\nTo summarize my situation : I disputed the charge after XXXX failed to provide a return solution for an item that exceeded USPS weight limits ( over XXXX pounds ), and I was left without a valid shipping option. \nDespite escalating the issue to Goldman, I have been re-billed multiple times, and no evidence or investigation results have been provided by Goldman Sachs. \nGoldmans failure to appropriately handle this dispute and their disregard for legal obligations under Regulation Z mirrors the issues highlighted in your XX/XX/XXXX order. \nI respectfully request that the CFPB investigate Goldman Sachs 's handling of my case and take appropriate action to ensure compliance with the law. Additionally, I request that a permanent credit be issued for the disputed amount, as Goldmans handling of the situation has been both unreasonable and non-compliant. \n\nThank you for your attention to this matter. I look forward to a resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-10-24T19:43:58.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"77006","tags":null,"has_narrative":true,"complaint_id":"10562415","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-10-24T19:26:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Despite escalating the <em>issue</em> to Goldman, I have been re-<em>billed</em> multiple times, and no evidence or <em>investigation</em> results have been provided by Goldman Sachs. \nGoldmans <em>failure</em> to appropriately handle this dispute and their disregard for legal obligations under Regulation Z mirrors the <em>issues</em> highlighted in your XX/XX/XXXX order. \nI respectfully request that the CFPB <em>investigate</em> Goldman Sachs 's handling of my case and take appropriate action to ensure <em>compliance</em> with the law."]},"sort":[19.61356,"10562415"]},{"_index":"complaint-public-v1","_id":"18273422","_score":19.478256,"_source":{"product":"Credit card","complaint_what_happened":"I am disputing KeyBank 's failure to properly investigate a billing error under Regulation Z ( 1026.13 ) regarding a transaction with XXXX. Despite providing clear documentation that the services were not as agreed/not provided, the bank has engaged in administrative delay and failed to conduct a reasonable investigation, instead deferring to the merchant 's automated responses. As a former banking professional, I recognize these 'churning ' tactics used to exhaust consumers ; I am filing this complaint to demand a formal regulatory review of the bank 's non-compliance with consumer protection laws. \n\nThis rental was immediately canceled upon entry into the damaged unit ( excessive open air drug use on a shared balcony resulting in extreme smoke damage to the interior of the unit- along with a dozens of other issues rendering the unit uninhabitable ). Pictures, videos and detailed descriptions were sent to XXXX over and over, and at their request. XXXX has engaged in stall tactics that resulted in my losing safe housing while I attempted to relocate to the XXXX area.","date_sent_to_company":"2025-12-24T16:04:52.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"89084","tags":"Older American","has_narrative":true,"complaint_id":"18273422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2025-12-24T15:31:11.000Z","state":"NV","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am disputing KeyBank 's <em>failure</em> to <em>properly</em> <em>investigate</em> a <em>billing</em> error under Regulation Z ( 1026.13 ) <em>regarding</em> a transaction with XXXX. Despite providing clear documentation that the services were not as agreed/not provided, the bank has engaged in administrative delay and failed to conduct a reasonable <em>investigation</em>, instead deferring to the merchant 's automated responses."]},"sort":[19.478256,"18273422"]},{"_index":"complaint-public-v1","_id":"21907792","_score":18.542835,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding my banks failure to properly handle a dispute under Regulation E.\n\nI rented a vehicle for {$450.00} with a {$250.00} security deposit. The merchant initially double charged me and later issued a credit. I contacted the merchant to extend the rental and was told the credit would be applied.\n\nShortly after, the vehicle was remotely disabled twice, leaving me stranded in 102-degree weather. This made the vehicle unusable and the service I paid for was not properly delivered.\n\nI attempted to contact the merchant multiple times via phone and text and received no response for several days. When I finally reached them, they refused to honor the agreement and are now attempting to charge me for a full week, including time when I did not have access to the vehicle.\n\nI disputed the transaction with my bank and requested provisional credit. It has been over 45 days, and the bank continues to state they do not know how long it will take and has not issued provisional credit.The total amount is {$720.00} Under Regulation E, financial institutions are required to complete an investigation within the required timeframe or issue provisional credit. The bank has failed to provide a clear timeline, has delayed issuing provisional credit, and has not properly handled this as an error involving services not rendered.\n\nI am requesting : Immediate provisional credit for the full disputed amount. The total amount is {$720.00} A full investigation in compliance with Regulation E A refund of all charges related to this transaction, including the security deposit This situation involves both billing error and failure to provide services, and the merchants actions created a safety issue when the vehicle was disabled.\n\nThe banks delay in handling this dispute is unacceptable.It has been over 45 days since I filed the dispute, and the bank has not issued provisional credit or completed a proper resolution. I am repeatedly told they do not know how long it will take.\n\nI have attached proof : Day 1 : Rental + double charge Day X : Called to extend ( approved ) Same day : Car shut off ( twice ) Next 4 days : No response Later : Merchant refuses refund","date_sent_to_company":"2026-05-05T20:53:05.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"30157","tags":null,"has_narrative":true,"complaint_id":"21907792","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2026-05-05T20:09:24.000Z","state":"GA","company_public_response":null,"sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["The total amount is {$720.00} A full <em>investigation</em> in <em>compliance</em> with Regulation E A refund of all charges related to this transaction, including the security deposit This situation involves both <em>billing</em> error and <em>failure</em> to provide services, and the merchants actions created a safety <em>issue</em> when the vehicle was disabled."]},"sort":[18.542835,"21907792"]},{"_index":"complaint-public-v1","_id":"15711957","_score":18.491673,"_source":{"product":"Credit card","complaint_what_happened":"CFPB ( XXXX XXXX XXXX XXXX  ) To : Consumer Financial Protection Bureau Subject : Complaint Against Barclays Bank Delaware Mishandling of Billing Dispute XXXX XXXX XXXX  XXXX, {$1500.00} ) Dear CFPB, I am requesting your intervention regarding Barclays Bank Delawares improper handling of my billing dispute under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). \nBackground On XX/XX/year>, XXXX XXXX  XXXX charged my XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}. \nI disputed this charge with Barclays, as the services contracted were never delivered. \nOn XX/XX/year>, Barclays sent me a letter ( attached ) denying the dispute, claiming they could not obtain credit on my behalf because they can only intervene after the specified delivery date has passed. \n\nProblem Barclays stated reason for denial was procedural they claimed intervention could not occur until after the contract date. \nThat date has now passed, yet Barclays has refused to reopen or resolve the dispute. \nThis leaves me liable for a charge where services were not rendered, in direct conflict with the protections of the FCBA. \nViolations Failure to investigate reasonably : Barclays dismissed my dispute on a technicality and refused to revisit it once the contractual delivery period expired. \nFailure to credit for undelivered services : Under the FCBA, consumers are not liable for charges where goods or services were not delivered as agreed. \nUnfair treatment : Barclays refusal to reopen the case contradicts its own written explanation ( that they could intervene after the contract date ). \nRelief Requested I respectfully request that the CFPB : XXXX. XXXX. XXXX. Require Barclays to reopen and properly investigate this dispute in compliance with the Fair Credit Billing Act. \nCompel Barclays to reverse the {$1500.00} charge plus any interest and fees applied. \nReview Barclays dispute-handling procedures for compliance, as this denial demonstrates a failure to uphold consumer protections. \nI have already attempted resolution directly with Barclays, but their refusal to cure the issue has forced me to escalate this matter. \nThank you for your assistance. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-09-04T22:15:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"89148","tags":null,"has_narrative":true,"complaint_id":"15711957","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-09-04T22:04:46.000Z","state":"NV","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":["Require Barclays to reopen and <em>properly</em> <em>investigate</em> this dispute in <em>compliance</em> with the Fair Credit <em>Billing</em> Act. \nCompel Barclays to reverse the {$1500.00} charge plus any interest and fees applied. \nReview Barclays dispute-handling procedures for <em>compliance</em>, as this denial demonstrates a <em>failure</em> to uphold consumer protections. \nI have already attempted resolution directly with Barclays, but their refusal to cure the <em>issue</em> has forced me to escalate this matter. \nThank you for your assistance."]},"sort":[18.491673,"15711957"]},{"_index":"complaint-public-v1","_id":"18338242","_score":18.456045,"_source":{"product":"Credit card","complaint_what_happened":"Unresolved Credit Card Billing Error Charged for Merchandise Not Received ( {$2000.00} ) I am submitting this complaint regarding Barclays Bank Delawares failure to properly resolve a credit card billing dispute involving a {$2000.00} charge for merchandise I do not possess. \nOn XX/XX/year>, I purchased a new-with-tags XXXX dress from merchant XXXX using my Barclays credit card. I received the item on XX/XX/year>. The dress was significantly too large and was returned the very next day in unworn condition, with all tags attached, exactly as received, in compliance with the merchants published return policy. \nXXXX improperly denied the return, alleging a minor interior mark that did not reflect the condition in which the item was received or returned. Weeks later, without my authorization, the merchant shipped the dress back to me. I immediately contacted Barclays and was explicitly instructed by a Barclays representative to refuse acceptance of the shipment. I followed those instructions. The merchandise was never re-delivered to me and is not in my possession. \nBarclays initially ruled in my favor and indicated that I was not responsible for the charge. That decision was later reversed without a clear or reasonable explanation. I was then informed the dispute had been closed due to alleged inability to reach me, despite only one attempted call and my return call within minutes. Since then, Barclays has failed to meaningfully engage or correct the error. \nThis dispute is not about product quality or merchant preference. It is a billing error involving failure to issue a refund after a valid return and billing for merchandise not received. Under the Fair Credit Billing Act, I should not be held responsible for this charge. \nI am requesting that the CFPB require Barclays to conduct a proper investigation, reopen this dispute, and permanently reverse the {$2000.00} charge.","date_sent_to_company":"2025-12-29T12:14:27.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"18338242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-12-29T12:06:46.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["It is a <em>billing</em> error involving <em>failure</em> to <em>issue</em> a refund after a valid return and <em>billing</em> for merchandise not received. Under the Fair Credit <em>Billing</em> Act, I should not be held responsible for this charge. \nI am requesting that the CFPB require Barclays to conduct a proper <em>investigation</em>, reopen this dispute, and permanently reverse the {$2000.00} charge."]},"sort":[18.456045,"18338242"]},{"_index":"complaint-public-v1","_id":"11854093","_score":18.454287,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company name : Cap One Auto Finance Account Information : # XXXX Date Opened : XX/XX/year> I am writing to formally dispute the reporting of a charge-off on my credit report. The reporting of this account is inaccurate and violates several federal statutes designed to protect consumers like myself. Furthermore, I have reason to believe a 1099-C may have been issued for this account, which further necessitates the removal of the charge-off from my credit report. \n\n\n\n1. Failure to Properly Investigate Disputed Information ( 15 USC 1681i ) Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a timely and thorough reinvestigation of disputed items. I request that you validate this charge-off, including documentation that proves its accuracy, completeness, and compliance with legal standards. If you can not provide such proof, you are required to delete the charge-off from my credit report.\n\n2. Furnisher Responsibility to Provide Accurate Information ( 15 USC 1681s-2 ) This section mandates that data furnishers provide only accurate and verifiable information to credit reporting agencies. If the creditor issued a 1099-C, this indicates that the debt was canceled, forgiven, or otherwise discharged. Reporting the charge-off after a 1099-C issuance constitutes inaccurate reporting, as the debt is no longer valid.\n\n3. Notice of Correction for Billing Errors ( 15 USC 1666b ) The creditor may have failed to properly notify me of billing errors or provide me with accurate information regarding this account, in violation of federal law. I request that you provide documentation of the creditors compliance with this statute.\n\n4. Implications of a 1099-C ( IRS Cancellation of Debt Notice ) A 1099-C form serves as acknowledgment by the creditor that the debt has been canceled or forgiven and may have been reported as income to the IRS. If a 1099-C was issued for this account, this debt can not be legally reported as owed or charged-off, as it is no longer collectible. Please provide proof that this account has not been canceled and is still valid. If no such proof exists, the charge-off must be removed.","date_sent_to_company":"2025-01-30T17:55:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20770","tags":null,"has_narrative":true,"complaint_id":"11854093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-30T16:55:18.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If the creditor <em>issued</em> a 1099-C, this indicates that the debt was canceled, forgiven, or otherwise discharged. Reporting the charge-off after a 1099-C <em>issuance</em> constitutes inaccurate reporting, as the debt is no longer valid.\n\n3. Notice of Correction for <em>Billing</em> Errors ( 15 USC 1666b ) The creditor may have failed to <em>properly</em> notify me of <em>billing</em> errors or provide me with accurate information <em>regarding</em> this account, in violation of federal law."]},"sort":[18.454287,"11854093"]},{"_index":"complaint-public-v1","_id":"11977557","_score":18.353577,"_source":{"product":"Credit card","complaint_what_happened":"Dear CFPB Representative, I am filing this complaint against Bank of America regarding their failure to properly investigate and resolve a credit card dispute, in violation of the Fair Credit Billing Act and consumer protection regulations. \n\nNature of Complaint : 1. Improper Investigation of Merchant Dispute : - Transaction Amount : {$61.00} USD - Merchant XXXX XXXX XXXX XXXX  XXXX - Original Order Number : XXXX - Original USPS Tracking Number : XXXX XXXX. Regulatory Violations : a ) Failure to conduct reasonable investigation : - Bank accepted fraudulent evidence from merchant without verification - Merchant claimed to provide return label ( tracking : XXXX ) - Investigation revealed this was a shipping request number, not a return label - Bank failed to verify the authenticity of this evidence - No explanation was provided about how or when this tracking number was verified - Bank never explained why they accepted this number as valid evidence b ) Fair Credit Billing Act violations : - Inadequate investigation of billing error - Failure to properly review submitted evidence - Improper rejection of valid dispute claim - Lack of transparency in dispute resolution process - Failure to provide clear explanation of rejection reasons 3. Communication Failures : - No clear explanation was ever provided about : * The origin of the tracking number * When or how the merchant supposedly provided this number * Why the number was accepted as valid evidence * How the bank verified the tracking number 's authenticity - Discovered the existence of the tracking number only during phone calls- Bank representatives could not explain the nature or validity of the tracking number - No written documentation was provided about the tracking number verification process 4. Consumer Impact : - Received wrong product : * Ordered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spent over 3 hours on phone calls with Bank of America - Multiple unanswered attempts to contact merchant - Financial loss of {$61.00} - Time and resource expenditure in pursuing resolution - Left in the dark about crucial evidence used against my claim 5. Bank 's Failure to Act : - Accepted merchant 's misrepresentation without verification - Failed to investigate tracking number authenticity - Dismissed clear evidence of wrong item delivery - Provided no assistance in resolving merchant communication issues- Failed to provide transparent explanation of their decision-making process - Never clarified the source or verification of the tracking number 6. Previous Resolution Attempts : - Submitted initial dispute with complete documentation - Provided photographic evidence of incorrect item - Submitted all email correspondence with merchant - Unable to appeal rejection with additional evidence - Repeatedly requested clarification about the tracking number without success Regulatory Oversight Requested : 1. Review of Bank of America 's dispute investigation procedures 2. Assessment of compliance with Fair Credit Billing Act 3. Evaluation of evidence verification protocols 4. Review of consumer protection compliance 5. Assessment of transparency in dispute resolution process","date_sent_to_company":"2025-02-06T10:38:27.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"18901","tags":null,"has_narrative":true,"complaint_id":"11977557","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-02-06T10:15:55.000Z","state":"PA","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":[") Fair Credit <em>Billing</em> Act violations : - Inadequate <em>investigation</em> of <em>billing</em> error - <em>Failure</em> to <em>properly</em> review submitted evidence - Improper rejection of valid dispute claim - Lack of transparency in dispute resolution process - <em>Failure</em> to provide clear explanation of rejection reasons 3."]},"sort":[18.353577,"11977557"]},{"_index":"complaint-public-v1","_id":"14956254","_score":18.300682,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a second formal complaint against Equifax regarding its failure to properly investigate and correct inaccurate credit reporting, as documented in CFPB XXXX # XXXX. On XX/XX/XXXX, Equifax responded claiming the account was \" verified '' and only adjusted the closed date. However, they failed to provide any documentation, such as a contract, billing history, name of the furnisher, or Method of Verification ( MOV ) as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). \n\nThe account ( XXXX XXXX ) is still being reported as \" Open '' and \" 120 Days Late '' as of XX/XX/XXXX, despite no activity since XXXX. This is a clear case of unlawful re-aging in violation of FCRA 1681e ( b ), and no debt validation was provided as required under FCRA 1681s-2 ( b ). If the account is charged-off, no 1099-C has been disclosed, which also raises IRS 6050P compliance issues . \n\nI have also filed a complaint with the FTC under Report # XXXX. I request immediate escalation and enforcement by CFPB to ensure Equifax deletes or fully corrects the XXXX XXXX tradeline, and provides all required documentation and legal justification. Failure to do so will result in further legal action.","date_sent_to_company":"2025-07-29T14:58:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60156","tags":null,"has_narrative":true,"complaint_id":"14956254","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-29T14:38:13.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is a second formal complaint against Equifax <em>regarding</em> its <em>failure</em> to <em>properly</em> <em>investigate</em> and correct inaccurate credit reporting, as documented in CFPB XXXX # XXXX. On XX/XX/XXXX, Equifax responded claiming the account was \" verified '' and only adjusted the closed date. However, they failed to provide any documentation, such as a contract, <em>billing</em> history, name of the furnisher, or Method of Verification ( MOV ) as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii )."]},"sort":[18.300682,"14956254"]},{"_index":"complaint-public-v1","_id":"14955492","_score":18.28513,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a second formal complaint against Equifax regarding its failure to properly investigate and correct inaccurate credit reporting, as documented in CFPB XXXX # XXXX. On XX/XX/XXXX, Equifax responded claiming the account was \" verified '' and only adjusted the closed date. However, they failed to provide any documentation, such as a contract, billing history, name of the furnisher, or Method of Verification ( MOV ) as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). \n\nThe account ( XXXX XXXX ) is still being reported as \" Open '' and \" 120 Days Late '' as of XX/XX/XXXX, despite no activity since XXXX. This is a clear case of unlawful re-aging in violation of FCRA 1681e ( b ), and no debt validation was provided as required under FCRA 1681s-2 ( b ). If the account is charged-off, no 1099-C has been disclosed, which also raises IRS 6050P compliance issues . \n\nI have also filed a complaint with the FTC under Report # XXXX. I request immediate escalation and enforcement by CFPB to ensure Equifax deletes or fully corrects the XXXX XXXX tradeline, and provides all required documentation and legal justification. Failure to do so will result in further legal action.","date_sent_to_company":"2025-07-29T14:58:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60156","tags":null,"has_narrative":true,"complaint_id":"14955492","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-29T14:58:07.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is a second formal complaint against Equifax <em>regarding</em> its <em>failure</em> to <em>properly</em> <em>investigate</em> and correct inaccurate credit reporting, as documented in CFPB XXXX # XXXX. On XX/XX/XXXX, Equifax responded claiming the account was \" verified '' and only adjusted the closed date. However, they failed to provide any documentation, such as a contract, <em>billing</em> history, name of the furnisher, or Method of Verification ( MOV ) as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii )."]},"sort":[18.28513,"14955492"]},{"_index":"complaint-public-v1","_id":"14955490","_score":18.269762,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a second formal complaint against Equifax regarding its failure to properly investigate and correct inaccurate credit reporting, as documented in CFPB XXXX # XXXX. On XX/XX/XXXX, Equifax responded claiming the account was \" verified '' and only adjusted the closed date. However, they failed to provide any documentation, such as a contract, billing history, name of the furnisher, or Method of Verification ( MOV ) as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). \n\nThe account ( XXXX XXXX ) is still being reported as \" Open '' and \" 120 Days Late '' as of XX/XX/XXXX, despite no activity since XXXX. This is a clear case of unlawful re-aging in violation of FCRA 1681e ( b ), and no debt validation was provided as required under FCRA 1681s-2 ( b ). If the account is charged-off, no 1099-C has been disclosed, which also raises IRS 6050P compliance issues . \n\nI have also filed a complaint with the FTC under Report # XXXX. I request immediate escalation and enforcement by CFPB to ensure Equifax deletes or fully corrects the XXXX XXXX tradeline, and provides all required documentation and legal justification. Failure to do so will result in further legal action.","date_sent_to_company":"2025-07-29T14:58:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60156","tags":null,"has_narrative":true,"complaint_id":"14955490","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-29T14:58:07.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is a second formal complaint against Equifax <em>regarding</em> its <em>failure</em> to <em>properly</em> <em>investigate</em> and correct inaccurate credit reporting, as documented in CFPB XXXX # XXXX. On XX/XX/XXXX, Equifax responded claiming the account was \" verified '' and only adjusted the closed date. However, they failed to provide any documentation, such as a contract, <em>billing</em> history, name of the furnisher, or Method of Verification ( MOV ) as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii )."]},"sort":[18.269762,"14955490"]},{"_index":"complaint-public-v1","_id":"22993232","_score":18.117107,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Summary I am filing this complaint regarding Citibanks mishandling of a credit card dispute involving merchant refusal of service, denial of boarding, lack of customer support, and forced repurchase of airfare at full price, resulting in financial damages of {$1600.00}.\n\nCitibank initially evaluated my dispute under the incorrect category of Goods / Services Never Received, resulting in reversal of the provisional credit. After submitting additional documentation and legal clarification, Citi reopened the dispute, confirming procedural error in its original handling, has since closed the file stating I was outside of the time frame..\n\nThis matter properly falls under Services Not Rendered / Merchant Failure to Provide Service, and I am requesting CFPB oversight to ensure Citi complies with its obligations under the Fair Credit Billing Act ( FCBA ). \n________________________________________ Description of the Issue On the date of travel, I arrived at the airport and attempted to check in fully within XXXX XXXX published check-in policy. Despite compliance, I was denied boarding and refused assistance. No reasonable explanation, accommodation, or corrective resolution was offered at the airport. \nAt the time service was denied, XXXX customer service channels were functionally inaccessible, including : Multi-hour phone hold times Unanswered emails No on-site resolution assistance As a result, I was forced to repurchase airfare at full price, totaling {$1600.00}, with a 2-day delay in departure, in order to complete my travel. \nXXXX XXXX did not meaningfully respond until XX/XX/year> only after my dispute was reopened, demonstrating a lack of reasonable customer support or dispute resolution when assistance was required.\n\n________________________________________ Citibank Procedural Failure Citibank initially categorized this dispute incorrectly as Goods/ Services Never Received, rather than the correct classification of : Services Not Rendered / Merchant Failure to Provide Service This incorrect categorization resulted in reversal of the provisional credit, despite clear evidence of merchant refusal of service and financial damages caused by that refusal.\n\nFollowing my formal request for reconsideration and submission of extensive documentation, Citi has now reopened the dispute, confirming that the original investigation and decision were procedurally flawed.\n\n________________________________________ Regulatory Basis Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and card network dispute resolution standards, consumers are protected when : A merchant fails to provide contracted services A merchant refuses performance Reasonable resolution is not made available Financial damages result directly from merchant breach All of these conditions are present in this case.\n\n________________________________________ Requested Resolution I respectfully request that the CFPB require Citibank to : 1. Properly apply the Services Not Rendered / Merchant Failure to Provide Service dispute category 2. Permanently reinstate the {$1600.00} chargeback credit 3. Confirm compliance with FCBA dispute investigation standards ________________________________________ Conclusion This matter represents a clear case of merchant refusal of service resulting in direct financial damages, and an initial failure by Citibank to properly evaluate and apply consumer protection standards.\n\nI respectfully request CFPB oversight to ensure full compliance and fair resolution.\n\nThank you for your assistance. \nSincerely, XXXX XXXX ________________________________________ Attachments Available Upon Request : Timeline of events Airport check-in evidence Merchant email correspondence Proof of forced airfare repurchase Dispute documentation","date_sent_to_company":"2026-06-08T16:52:54.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"218XX","tags":"Older American","has_narrative":true,"complaint_id":"22993232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-06-08T16:07:15.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This matter <em>properly</em> falls under Services Not Rendered / Merchant <em>Failure</em> to Provide Service, and I am requesting CFPB oversight to ensure Citi complies with its obligations under the Fair Credit <em>Billing</em> Act ( FCBA ). \n________________________________________ Description of the <em>Issue</em> On the date of travel, I arrived at the airport and attempted to check in fully within XXXX XXXX published check-in policy. Despite <em>compliance</em>, I was denied boarding and refused assistance."]},"sort":[18.117107,"22993232"]},{"_index":"complaint-public-v1","_id":"19047569","_score":18.061272,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding Discover Banks handling of a credit card billing dispute involving XXXX transactions in the amounts of {$410.00} and {$200.00}, originally disputed on approximately XX/XX/year>. \n\nIn addition, I had explicitly instructed Discover Bank to block any future transactions from the merchant XXXX XXXX XXXX \n\nDespite this instruction, Discover allowed additional transactions from the same merchant to be processed, demonstrating a failure to enforce a merchant block and to protect my account from unauthorized or disputed charges. \n\nAllowing transactions from a merchant after a customer has explicitly requested a block constitutes improper handling of disputed charges and raises concerns regarding Discovers compliance with its obligations under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ).\n\nDiscover did not provide any written explanation as to why transactions from a blocked merchant were permitted, nor did it notify me in writing of any limitations or rejection of my block request. \n\nDiscover issued a provisional ( temporary ) credit while the dispute was under investigation. However, after approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Discover silently reinstated the disputed charges to my account balance without providing any written notice, explanation, or investigation results. \n\nUnder the Fair Credit Billing Act ( FCBA ), creditors are required to complete a billing dispute investigation and provide written notice of the results within XXXX  days, or XXXX billing cycles, whichever is shorter : 15 U.S.C. 1666 ( a ) requires the creditor to investigate and either correct the account or explain why the charge is valid.\n\n15 U.S.C. 1666 ( a ) ( B ) requires the creditor to send a written explanation of the results of the investigation.\n\n12 C.F.R. 1026.13 ( c ) ( Regulation Z ) limits the investigation period to no more than XXXX days. \n\nDiscover exceeded the legally allowed investigation period and failed to provide the mandatory written results of the investigation, yet still reinstated the charges. This constitutes a procedural violation of the FCBA.\n\nIn addition, interest has been assessed on the disputed amounts, despite the dispute never being properly resolved in compliance with federal law.\n\nTo date, I have received no written communication from Discover explaining the outcome of the investigation or the legal basis for reinstating the disputed charges.\n\nRequested Resolution : 1. Require Discover Bank to demonstrate compliance with the Fair Credit Billing Act and Regulation Z.\n\n2. Require Discover to provide the written investigation results and supporting documentation, or remove the disputed charges.\n\n3. Correct my account balance and reverse all interest and fees assessed on the disputed amounts.\n\n4. Ensure Discover does not engage in similar non-compliant dispute handling practices in the future.","date_sent_to_company":"2026-01-27T20:06:15.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"802XX","tags":null,"has_narrative":true,"complaint_id":"19047569","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2026-01-27T19:55:32.000Z","state":"CO","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Allowing transactions from a merchant after a customer has explicitly requested a block constitutes improper handling of disputed charges and raises concerns <em>regarding</em> Discovers <em>compliance</em> with its obligations under the Fair Credit <em>Billing</em> Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 )."]},"sort":[18.061272,"19047569"]},{"_index":"complaint-public-v1","_id":"21563876","_score":18.011608,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting a formal complaint against XXXX XXXX XXXX  regarding my XXXX credit card for failure to adhere to its stated account terms, improper handling of disputed transactions, and potentially noncompliant billing practices. \n\nOn or about XX/XX/XXXX, I received written notice from XXXX XXXX stating that my account had been temporarily restricted due to an address verification issue. The notice explicitly provided a 30-day period for me to submit documentation and stated that account closure would only occur if I failed to comply within that timeframe.\n\nAfter receiving this notice, I contacted XXXX XXXX directly to confirm what documentation would be acceptable. During that call, I was specifically advised by a representative that I could submit any document showing my name along with my mailing address, including a document reflecting my post office address. I asked for clarification multiple times to ensure that what I submitted would meet their requirements, and I relied on the instructions provided.\n\nDespite following that guidance, the documentation I submitted was later rejected without clear explanation.\n\nAdditionally, my account was closed prior to the expiration of the stated 30-day compliance period. This action deprived me of the opportunity to properly respond and contradicts the written terms provided to me. The premature closure appears to be directly tied to the rejection of documentation that I submitted based on their own representatives instructions.\n\nAt the same time, I had multiple billing disputes pending on the account. Temporary credits were issued during the investigation process ; however, after the account was closed, those credits were reversed and the disputed charges were reinstated.\n\nI have not been provided with adequate documentation demonstrating that a reasonable investigation was conducted for each disputed transaction, as required under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). XXXX XXXX has not sufficiently explained the basis for denying these disputes, nor provided evidence supporting its conclusions.\n\nClosing the account during an active dispute process, rejecting verification documents based on inconsistent internal guidance, reversing provisional credits, and reapplying charges without transparent findings raises serious concerns regarding compliance with federal billing dispute requirements and fair servicing practices.\n\nI am requesting the following : 1. A detailed explanation for the premature account closure despite a written 30-day compliance window.\n\n2. Complete documentation for each disputed transaction, including investigation records, merchant responses, and the specific basis for denial.\n\n3. Immediate review and correction of any charges that were improperly reinstated.\n\n4. Confirmation that no inaccurate or negative information related to this matter has been reported to any consumer reporting agency, and correction of any such reporting if it has occurred.\n\n5. A full and accurate accounting of the balance currently being claimed.\n\nAs a resolution, I am seeking a fair outcome based on proper investigation and compliance with applicable law. I am requesting that any charges that can not be fully validated through a reasonable and documented investigation be removed. Given the premature account closure, the inconsistent and misleading guidance I received regarding acceptable verification documents, and the lack of transparency in dispute handling, I am requesting that any unsupported charges be adjusted or removed, up to and including a full balance reduction if sufficient validation can not be provided.\n\nI relied on the instructions provided by XXXX XXXX representative regarding acceptable verification documents, and any adverse action taken as a result of rejecting those documents should be reviewed and corrected.\n\nI expect a timely and thorough response addressing each of these concerns.I am requesting a fair resolution based on proper investigation and compliance with applicable billing laws. Specifically, I request that XXXX XXXX provide documentation supporting each disputed charge and remove any charges that can not be fully validated. Given that my account was closed prior to the stated 30-day compliance period and based on inconsistent guidance I received regarding acceptable verification documents, I also request correction of any inaccurate reporting and a full adjustment of the remaining balance if sufficient validation can not be provided.","date_sent_to_company":"2026-04-24T13:50:39.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"530XX","tags":null,"has_narrative":true,"complaint_id":"21563876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2026-04-24T13:17:17.000Z","state":"WI","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I am submitting a formal complaint against XXXX XXXX XXXX  <em>regarding</em> my XXXX credit card for <em>failure</em> to adhere to its stated account terms, improper handling of disputed transactions, and potentially noncompliant <em>billing</em> practices. \n\nOn or about XX/XX/XXXX, I received written notice from XXXX XXXX stating that my account had been temporarily restricted due to an address verification <em>issue</em>."]},"sort":[18.011608,"21563876"]},{"_index":"complaint-public-v1","_id":"17196245","_score":17.918688,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Chime for failing to properly follow Regulation E ( 12 CFR 1005 ) when handling three separate disputes I submitted.\n\nChime denied all three disputes despite receiving documentation up front proving that the charges were invalid. Chime did not reasonably investigate and did not issue provisional credit in any instance.\n\n( 1 ) + ( 2 ) Xfinity Two Disputes Denied Despite Proof Charges Were Not Owed I filed two separate XXXX-related disputes with Chime. \nBefore Chimes denial, I contacted XXXX directly and was told in writing by an XXXX representative : The alleged balance being pursued did not exist The {$120.00} equipment charge would be waived automatically The {$360.00} balance should be disregarded The {$300.00} was approved to be refunded. \n\nI provided these transcripts to Chime as supporting evidence before their decision. \nDespite clear merchant confirmation that I owed {$0.00}, Chime denied both XXXX disputes. \nThis indicates Chime : Did not properly review the documents provided Failed to reasonably investigate as required under Reg E Failed to issue provisional credit These denials contradict the original creditors written statements and appear to violate Reg Es requirements regarding investigation and resolution of billing disputes.\n\n( 3 ) Fly Play Airlines/ FlightNetwork Service Not Provided I booked flights through XXXX for travel on XXXX XXXX XXXX. XXXX XXXX later filed for bankruptcy and ceased all operations as of XX/XX/XXXX. \n\nXXXX emailed me confirming : My flights were canceled They would not be rebooked Refund claims would be submitted Refund should return to original payment method I provided this documentation with my original dispute to Chime.\n\nChime denied the dispute anyway, even though : No service was ever provided The merchant ceased operations A refund was the only possible outcome This appears to violate Reg E because : Services were not received Chime failed to reasonably investigate Chime failed to issue provisional credit Regulation E Failures Across all three disputes, Chime failed to : Conduct a reasonable investigation Consider the evidence provided Issue provisional credit during the investigation Correctly resolve documented billing errors These actions constitute apparent non-compliance with Reg E.","date_sent_to_company":"2025-11-12T14:59:10.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"170XX","tags":null,"has_narrative":true,"complaint_id":"17196245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-11-12T14:32:46.000Z","state":"PA","company_public_response":null,"sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["<em>billing</em> errors These actions constitute apparent non-<em>compliance</em> with Reg E."]},"sort":[17.918688,"17196245"]},{"_index":"complaint-public-v1","_id":"11423586","_score":17.85138,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Regarding Mishandling of Dispute and Unauthorized Rebilling To Whom It May Concern, I am filing this complaint against Apple Card, issued by Goldman Sachs Bank, for their failure to properly resolve my dispute within the required timeframe and for rebilling the disputed amount without resolution. \n\nDetails of the Complaint : XXXX. Dispute Information : Dispute Case Number : XXXX Transaction Date : XX/XX/XXXX Merchant Name : Temu.com Disputed Amount : {$18.00} XXXX. Failure to Resolve Within XXXX Days : I initiated the dispute with Apple Card for an unauthorized transaction with XXXX Despite providing the necessary information, Apple Card failed to resolve the dispute within the XXXX timeframe as required by the Fair Credit Billing Act ( XXXX ). \nXXXX. Unauthorized Rebilling : On XX/XX/XXXX, the disputed amount of {$18.00} was rebilled to my account, even though the dispute remains unresolved. This action violates consumer protection laws and disregards my rights under the XXXX. \nXXXX. Lack of Transparency : Throughout the process, I received little to no communication from Apple Card regarding the status of my dispute. Reaching out to their customer service team did not result in a satisfactory explanation or resolution. \n\nImpact on Me : This mishandling of my dispute has caused financial inconvenience and stress, as well as a potential impact on my credit. \n\nRequested Resolution : XXXX. Immediately reverse the rebilled amount of {$18.00} and remove any associated fees or interest. \nXXXX. Provide a clear and detailed explanation for the delay and mishandling of my dispute. \nXXXX. Ensure compliance with dispute resolution timelines and transparency to prevent similar issues for other customers. \n\nI respectfully request the CFPB and XXXX to investigate this matter and hold Goldman Sachs Bank accountable for its failure to meet regulatory requirements and provide adequate customer support. \n\nSincerely, XXXX","date_sent_to_company":"2025-01-08T01:23:25.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78626","tags":null,"has_narrative":true,"complaint_id":"11423586","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-01-08T01:19:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Ensure <em>compliance</em> with dispute resolution timelines and transparency to prevent similar <em>issues</em> for other customers. \n\nI respectfully request the CFPB and XXXX to <em>investigate</em> this matter and hold Goldman Sachs Bank accountable for its <em>failure</em> to meet regulatory requirements and provide adequate customer support. \n\nSincerely, XXXX"]},"sort":[17.85138,"11423586"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":520,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":520}]}},"product":{"doc_count":520,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":327,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":321},{"key":"Other personal consumer report","doc_count":6}]}},{"key":"Debt collection","doc_count":79,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":45},{"key":"Credit card debt","doc_count":17},{"key":"Medical debt","doc_count":7},{"key":"Telecommunications debt","doc_count":4},{"key":"Auto debt","doc_count":2},{"key":"Mortgage debt","doc_count":2},{"key":"Other debt","doc_count":2}]}},{"key":"Credit card","doc_count":54,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":52},{"key":"Store credit card","doc_count":2}]}},{"key":"Mortgage","doc_count":18,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":11},{"key":"FHA mortgage","doc_count":3},{"key":"Other type of mortgage","doc_count":2},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":16}]}},{"key":"Checking or savings account","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":8},{"key":"Other banking product or service","doc_count":1},{"key":"Savings account","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":2},{"key":"Domestic (US) money transfer","doc_count":1},{"key":"International money transfer","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":5}]}},{"key":"Prepaid card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":1},{"key":"Payroll card","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Title loan","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan","doc_count":1}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1}]}}]}},"issue":{"doc_count":520,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":129,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":49},{"key":"Account information incorrect","doc_count":44},{"key":"Account status incorrect","doc_count":22},{"key":"Old information reappears or never goes away","doc_count":6},{"key":"Public record information inaccurate","doc_count":5},{"key":"Personal information incorrect","doc_count":3}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":116,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":63},{"key":"Investigation took more than 30 days","doc_count":43},{"key":"Was not notified of investigation status or results","doc_count":5},{"key":"Problem with personal statement of dispute","doc_count":3},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":2}]}},{"key":"Improper use of your report","doc_count":90,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":87},{"key":"Credit inquiries on your report that you don't recognize","doc_count":2},{"key":"Report provided to employer without your written authorization","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":43,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":33},{"key":"Debt was result of identity theft","doc_count":5},{"key":"Debt was paid","doc_count":3},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":2}]}},{"key":"Problem with a purchase shown on your statement","doc_count":35,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":29},{"key":"Card was charged for something you did not purchase with the card","doc_count":5},{"key":"Overcharged for something you did purchase with the card","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":11},{"key":"Seized or attempted to seize your property","doc_count":2},{"key":"Sued you without properly notifying you of lawsuit","doc_count":2},{"key":"Collected or attempted to collect exempt funds","doc_count":1},{"key":"Threatened to sue you for very old debt","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":3},{"key":"Escrow, taxes, or insurance","doc_count":1}]}},{"key":"False statements or representation","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":8},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":1}]}},{"key":"Written notification about debt","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":6},{"key":"Didn't receive notice of right to dispute","doc_count":3}]}},{"key":"Other features, terms, or problems","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":5},{"key":"Problem with customer service","doc_count":1}]}},{"key":"Closing your account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":5}]}},{"key":"Managing an account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Banking errors","doc_count":2},{"key":"Funds not handled or disbursed as instructed","doc_count":2},{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":2},{"key":"Transaction was not authorized","doc_count":2},{"key":"Can't stop withdrawals from your account","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":4},{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":4}]}},{"key":"Closing on a mortgage","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit monitoring or identity theft protection services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":2},{"key":"Problem with product or service terms changing","doc_count":1}]}},{"key":"Fees or interest","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged too much interest","doc_count":2},{"key":"Problem with fees","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":3}]}},{"key":"Managing the loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":2}]}},{"key":"Other transaction problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem when making payments","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":2}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged fees or interest you didn't expect","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":1}]}},{"key":"Confusing or missing disclosures","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Did not receive car title","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems at the end of the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":1}]}},{"key":"Repossession","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":1}]}},{"key":"Trouble using your card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't increase or decrease your credit limit","doc_count":1}]}},{"key":"Unexpected or other fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Vehicle was repossessed or sold the vehicle","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":520,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":516},{"key":"No","doc_count":4}]}},"company_response":{"doc_count":520,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":338},{"key":"Closed with non-monetary relief","doc_count":169},{"key":"Closed with monetary relief","doc_count":13}]}},"submitted_via":{"doc_count":520,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":520}]}},"company":{"doc_count":520,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":118},{"key":"Experian Information Solutions Inc.","doc_count":104},{"key":"EQUIFAX, INC.","doc_count":101},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":11},{"key":"GOLDMAN SACHS BANK USA","doc_count":11},{"key":"JPMORGAN CHASE & CO.","doc_count":10},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":9},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":8},{"key":"SYNCHRONY FINANCIAL","doc_count":8},{"key":"CITIBANK, N.A.","doc_count":6},{"key":"AMERICAN EXPRESS COMPANY","doc_count":5},{"key":"DISCOVER BANK","doc_count":5},{"key":"Chime Financial Inc","doc_count":4},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":4},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":4},{"key":"Resurgent Capital Services L.P.","doc_count":4},{"key":"WELLS FARGO & COMPANY","doc_count":4},{"key":"Bread Financial Holdings, Inc.","doc_count":3},{"key":"CBC Companies, Inc.","doc_count":3},{"key":"CL Holdings LLC","doc_count":3},{"key":"Portfolio Recovery Associates, LLC","doc_count":3},{"key":"BARCLAYS BANK DELAWARE","doc_count":2},{"key":"I.C. System, Inc.","doc_count":2},{"key":"Kriya Capital, LLC","doc_count":2},{"key":"ROBINHOOD MARKETS INC.","doc_count":2},{"key":"RentDebt Automated Collections, LLC","doc_count":2},{"key":"Selene Holdings LLC","doc_count":2},{"key":"Shellpoint Partners, LLC","doc_count":2},{"key":"TD BANK US HOLDING COMPANY","doc_count":2},{"key":"TRANSWORLD SYSTEMS INC","doc_count":2},{"key":"U.S. BANCORP","doc_count":2},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"AVANTE","doc_count":1},{"key":"Ability Recovery Services, LLC","doc_count":1},{"key":"AmeriCollect","doc_count":1},{"key":"American Credit Acceptance, LLC","doc_count":1},{"key":"Amsher Collection Services, Inc.","doc_count":1},{"key":"BCA Financial Services, Inc.","doc_count":1},{"key":"Block, Inc.","doc_count":1},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":1},{"key":"CCS Financial Services, Inc.","doc_count":1},{"key":"COMMERCE BANK","doc_count":1},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":1},{"key":"Consumer Portfolio Services, Inc.","doc_count":1},{"key":"Credit Control, LLC","doc_count":1},{"key":"Credit International Corporation","doc_count":1},{"key":"Credit Systems International, Inc.","doc_count":1},{"key":"Creditors Bureau Associates","doc_count":1},{"key":"CrossCountry Mortgage LLC","doc_count":1},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"Exeter Finance, LLC.","doc_count":1},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":1},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":1},{"key":"FIRST CITIZENS BANCSHARES, INC.","doc_count":1},{"key":"FISERV FINXACT CORE","doc_count":1},{"key":"FORD MOTOR CREDIT CO.","doc_count":1},{"key":"Faloni Law Group","doc_count":1},{"key":"Fig Tech Inc.","doc_count":1},{"key":"Financial Recovery Services, Inc.","doc_count":1},{"key":"First Technology Federal Credit Union","doc_count":1},{"key":"GFS II, LLC","doc_count":1},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":1},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":1},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":1},{"key":"InvestiNet LLC","doc_count":1},{"key":"KEYCORP","doc_count":1},{"key":"Kikoff Inc.","doc_count":1},{"key":"LANIER COLLECTIONS AGENCY AND SERVICES INC","doc_count":1},{"key":"LEXISNEXIS","doc_count":1},{"key":"Maximus Federal Services, Inc.","doc_count":1},{"key":"Merchants Adjustment Service, Inc.","doc_count":1},{"key":"Mr. Cooper Group Inc.","doc_count":1},{"key":"National Credit Adjusters, LLC","doc_count":1},{"key":"Nelnet, Inc.","doc_count":1},{"key":"Northstar Location Services, LLC","doc_count":1},{"key":"Oliphant United, Inc.","doc_count":1},{"key":"OneMain Finance Corporation","doc_count":1},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":1},{"key":"PNC Bank N.A.","doc_count":1},{"key":"Paypal Holdings, Inc","doc_count":1},{"key":"Pollack & Rosen, P.A.","doc_count":1},{"key":"ProCollect, Inc.","doc_count":1},{"key":"RAS LaVrar, LLC","doc_count":1},{"key":"Receivables Management Partners, LLC","doc_count":1},{"key":"Rosebud Economic Development Corporation","doc_count":1},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":1},{"key":"SECURITY FINANCE CORP","doc_count":1},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":1},{"key":"SUNCOAST CREDIT UNION","doc_count":1},{"key":"Sarma","doc_count":1},{"key":"Security Credit Services, LLC","doc_count":1},{"key":"Simon's Agency, Inc.","doc_count":1},{"key":"Southwest Credit Systems, L.P.","doc_count":1},{"key":"Spring Oaks Capital, LLC","doc_count":1},{"key":"T.S. Holdings","doc_count":1},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":1},{"key":"Tesla, Inc.","doc_count":1},{"key":"The Receivable Management Services LLC","doc_count":1},{"key":"TrueAccord Corp.","doc_count":1},{"key":"Veros Credit, LLC","doc_count":1},{"key":"W&A Intermediate Co., LLC","doc_count":1},{"key":"Westlake Services, LLC","doc_count":1}]}},"state":{"doc_count":520,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":78},{"key":"GA","doc_count":75},{"key":"FL","doc_count":74},{"key":"CA","doc_count":47},{"key":"VA","doc_count":36},{"key":"MI","doc_count":27},{"key":"NY","doc_count":25},{"key":"MO","doc_count":22},{"key":"AL","doc_count":15},{"key":"NJ","doc_count":15},{"key":"PA","doc_count":15},{"key":"MD","doc_count":13},{"key":"IL","doc_count":12},{"key":"AZ","doc_count":6},{"key":"IN","doc_count":6},{"key":"LA","doc_count":6},{"key":"NC","doc_count":6},{"key":"NV","doc_count":6},{"key":"SC","doc_count":5},{"key":"TN","doc_count":5},{"key":"DC","doc_count":4},{"key":"OH","doc_count":4},{"key":"CO","doc_count":2},{"key":"KY","doc_count":2},{"key":"WA","doc_count":2},{"key":"ID","doc_count":1},{"key":"MA","doc_count":1},{"key":"MN","doc_count":1},{"key":"MS","doc_count":1},{"key":"MT","doc_count":1},{"key":"NE","doc_count":1},{"key":"OK","doc_count":1},{"key":"VT","doc_count":1},{"key":"WI","doc_count":1}]}},"company_public_response":{"doc_count":520,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":267},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":18}]}},"tags":{"doc_count":520,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American, Servicemember","doc_count":29},{"key":"Servicemember","doc_count":23},{"key":"Older American","doc_count":15}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[17.85138,"11423586"],"3":[16.63819,"11310045"],"4":[15.475801,"18930180"],"5":[14.656119,"14244645"],"6":[13.858162,"17146768"],"7":[13.464878,"12193918"],"8":[12.715365,"10015551"]}}}