{"took":200,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":269,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16743739","_score":21.573189,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I submitted lawful trust documents to open a fiduciary account at BMO for XXXX XXXX XXXX XXXX XXXX XXXX The branch stated my documentation was forwarded to BMOs legal department for review. \nOn XX/XX/year>, I was told my documents were not right and that the bank would not open the account. I requested a written reason or citation to policy, but none was provided. This violates federal banking transparency and record keeping standards under the Bank Secrecy Act and consumer protection rules requiring clear, written communication when an application is declined. \nI have since emailed the branch ( XXXX XXXX and XXXX XXXX ) requesting a written determination and identification of the legal or procedural basis for rejection. BMO has not provided any written response or explanation. \nI believe this refusal was made improperly and without compliance to consumer disclosure obligations. I am requesting that BMOs compliance or legal department issue a written determination identifying the specific reason and internal policy used to deny the application. \nI no longer seek to open an account with BMO but require a lawful written record of their decision for fiduciary and regulatory purposes. A Internal Complaint was filed over the phone with BMO Customer Service, complaint # XXXX as well.","date_sent_to_company":"2025-10-22T21:34:41.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"94591","tags":null,"has_narrative":true,"complaint_id":"16743739","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2025-10-22T21:05:35.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I have since emailed the branch ( XXXX XXXX and XXXX XXXX ) requesting a written <em>determination</em> and identification of the <em>legal</em> or procedural basis for rejection. BMO has not provided any written response or explanation. \nI believe this refusal was made improperly and without <em>compliance</em> to consumer disclosure obligations. I am requesting that BMOs <em>compliance</em> or <em>legal</em> <em>department</em> <em>issue</em> a written <em>determination</em> identifying the specific reason and internal policy used to deny the application."]},"sort":[21.573189,"16743739"]},{"_index":"complaint-public-v1","_id":"21305368","_score":20.263,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a formal complaint against Truist regarding funds in the amount of {$10000.00} that have been held on my account since approximately 2025 without resolution.\n\nI have contacted the bank multiple times and have consistently been told that the funds are under review or analysis. However, I have not received a clear explanation of the reason for the hold, a written determination, or a timeline for when this issue will be resolved. \n\nThis delay is excessive and unreasonable. I am requesting a full written explanation of the hold, including the legal or compliance basis for the continued delay, as well as the current status of the funds. I am also requesting any transaction reference number or ACH trace number associated with this deposit. \n\nIf there is no valid reason for continuing to hold these funds, I am requesting the immediate release of my money. \n\nI am requesting that this matter be escalated and reviewed by the appropriate department for a final determination. If this matter is not resolved promptly, I am prepared to pursue further regulatory action and legal review.","date_sent_to_company":"2026-04-16T16:04:13.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"281XX","tags":null,"has_narrative":true,"complaint_id":"21305368","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-04-16T15:48:32.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I am requesting that this matter be escalated and reviewed by the appropriate <em>department</em> for a final <em>determination</em>. If this matter is not resolved promptly, I am prepared to pursue further regulatory action and <em>legal</em> review."]},"sort":[20.263,"21305368"]},{"_index":"complaint-public-v1","_id":"20862240","_score":18.425817,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I submitted a complete XXXX  block request to the credit reporting agency. My submission included proof of identity, a Victim Determination Document issued and signed by a detective with the XXXX XXXX Police Department XXXX XXXX XXXX XXXX, a written list of adverse items resulting from XXXX, and a full legal explanation citing 15 U.S.C. 1681c3 and 12 CFR 1022.142. The Victim Determination Document fully satisfies the federal definition of valid XXXX documentation because it was issued by a member of a XXXX XXXX task force authorized by a governmental entity, as described in 12 CFR 1022.142 ( b ) ( 6 ) ( i ) ( A ) ( 2 ). The XXXX XXXX XXXX XXXX Task Force is a multiagency, governmentauthorized lawenforcement task force that includes the XXXX XXXX Police Department, the California Department of Justice, the FBI, Homeland Security Investigations, the California Highway Patrol, the XXXX XXXX Sheriffs Department, the XXXX XXXX XXXX Attorneys Office, the U.S. Attorneys Office, and the XXXX XXXX XXXX XXXX. A detective assigned to this task force is legally recognized under federal regulation as an authorized issuer of XXXX documentation. \n\nFederal law requires the credit reporting agency to accept this documentation and block the adverse items I identified. Under 12 CFR 1022.142 ( c ), a consumer reporting agency may not furnish a consumer report containing any adverse item of information if the consumer has provided valid trafficking documentation. The agency is prohibited from denying a XXXX  block based on its own judgment about the facts or circumstances described in the documentation. The regulation explicitly states that the agency may not question the detective, the task force, the agency that issued the documentation, or whether it recognizes the organization, and it may not substitute its own judgment or reject the documentation for subjective reasons. Despite these prohibitions, the adverse items remain on my file. \n\nFederal law also requires the agency to block the adverse items within four business days of receiving my submission, as stated in 12 CFR 1022.142 ( e ) ( 1 ). This did not occur. The agency is required to attempt to resolve any deficiency in the consumers submission rather than simply rejecting it, as required by 12 CFR 1022.142 ( e ) ( 2 ) ( i ). No attempt was made to resolve anything. The agency is also required to notify me of its determination within five business days under 12 CFR 1022.142 ( f ) ( 1 ). No legally compliant notice was provided. \n\nThe only legally permissible reasons for denying a XXXX  block are if the agency can not confirm the consumers identity, if the consumer did not provide any victim determination documentation, or if the agency can not identify the adverse items. None of these apply to my submission. My identity was confirmed, my documentation was complete and valid, and the adverse items were clearly identified in writing. \n\nAs of today, the adverse account and multiple hard inquiries that resulted directly from XXXX XXXX remain unblocked and unremoved, despite the agency being federally required to remove them promptly. The agency failed to follow multiple mandatory federal requirements, failed to block the items within the required timeframe, failed to resolve any alleged deficiency, and failed to provide the required notice. I am requesting CFPB enforcement to ensure compliance with 15 U.S.C. 1681c3 and 12 CFR 1022.142.","date_sent_to_company":"2026-04-01T21:17:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"15237","tags":null,"has_narrative":true,"complaint_id":"20862240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-04-01T21:09:07.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My submission included proof of identity, a Victim <em>Determination</em> Document <em>issued</em> and signed by a detective with the XXXX XXXX Police <em>Department</em> XXXX XXXX XXXX XXXX, a written list of adverse items resulting from XXXX, and a full <em>legal</em> explanation citing 15 U.S.C. 1681c3 and 12 CFR 1022.142."]},"sort":[18.425817,"20862240"]},{"_index":"complaint-public-v1","_id":"14986051","_score":17.832062,"_source":{"product":"Student loan","complaint_what_happened":"I am filing this complaint regarding the U.S. Department of Education 's gross mishandling of a known fraudulent Pell Grant disbursement, which the Department has erroneously attempted to collect from me. This case involves serious systemic failures in fraud detection, compliance, and victim protection. \n\nThe Financial Aid Office at XXXX XXXX of XXXX XXXX submitted a Pell Grant overpayment referral to the Department of Education on XX/XX/XXXX. That referral was explicitly marked 'FRAUD ' by the institution, clearly indicating that the aid was issued improperly. The grant was disbursed under my former name, XXXX XXXX, which has not been my legal name since I changed it in XXXX  after getting married. \n\nDespite this clear institutional determination of fraud, the Department of Education has continued to pursue me for repayment. I have been subjected to multiple collection notices and repeated document demands even after I submitted the following : - FTC Identity Theft Report - Legal name change certificate ( XXXX ) - Driver 's license - Social Security card - proof of current address - Academic transcripts showing last attendance over 10 years ago - Four signature samples, two of which are from the time of the alleged disbursement The Department 's subsequent demand for notarized copies, a court ruling, and the same documents again reflects a deliberate strategy of obstruction and intimidation, designed to shift the burden of proof onto the victim while ignoring overwhelming evidence. There is no reasonable justification for continuing collection on a debt that the originating institution already determined to be fraudulent.","date_sent_to_company":"2025-07-31T00:26:29.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"95682","tags":null,"has_narrative":true,"complaint_id":"14986051","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-07-31T00:03:47.000Z","state":"CA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["That referral was explicitly marked 'FRAUD ' by the institution, clearly indicating that the aid was <em>issued</em> improperly. The grant was disbursed under my former name, XXXX XXXX, which has not been my <em>legal</em> name since I changed it in XXXX  after getting married. \n\nDespite this clear institutional <em>determination</em> of fraud, the <em>Department</em> of Education has continued to pursue me for repayment."]},"sort":[17.832062,"14986051"]},{"_index":"complaint-public-v1","_id":"14775062","_score":16.682407,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Equifax Dispute Department, This letter is in response to your XX/XX/XXXX notice regarding XXXX XXXX XXXX submission under Section 605C of the Fair Credit Reporting Act ( FCRA ). We are submitting this response to clarify that the originally submitted documentation fully satisfies the requirements under the FCRA for removal of accounts resulting from identity theft and/or potential trafficking victimization. To summarize, the following documents were submitted and are attached again for your convenience : FTC Identity Theft Report case number : [ XXXX ], which identifies fraudulent accounts including the disputed item. - Notarized Affidavit of Identity affirming XXXX XXXX identity and detailing unauthorized accounts. - Government-issued ID ( Drivers License ) and Recent Utility Bill verifying her identity and current address. - Self-Attestation Statement under FCRA 605C signed and notarized, satisfying FCRAs attestation requirements. Please be advised that XXXX  and XXXX  have already acknowledged and processed these documents, resulting in deletion of the fraudulent accounts in question. Equifaxs demand for victim determination documentation exceeds what is reasonably required under the FCRA, especially considering the FTC Identity Theft Report serves as a government-issued determination of identity theft under FCRA 605B , which has been submitted and acknowledged by other bureaus. We respectfully request Equifax to complete the blocking and permanent deletion of all fraudulent accounts, including the XXXX account in the amount of {$220.00}, in accordance with the FCRA, without further delay. Failure to process this request in compliance with the FCRA within the required 25 days will result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for continued violations of federal consumer rights.","date_sent_to_company":"2025-07-21T17:05:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77338","tags":null,"has_narrative":true,"complaint_id":"14775062","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-21T16:46:51.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Failure to process this request in <em>compliance</em> with the FCRA within the required 25 days will result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and potential <em>legal</em> action for continued violations of federal consumer rights."]},"sort":[16.682407,"14775062"]},{"_index":"complaint-public-v1","_id":"18549421","_score":16.551485,"_source":{"product":"Checking or savings account","complaint_what_happened":"A Citibank account was opened to receive legitimate settlement payments from an authorized ATM business processor following the death of a family member. The account was used solely for ATM business settlements and remained in good standing for approximately XXXX months before Citibank abruptly closed it without prior notice or explanation. \n\nThe remaining balance in the account is approximately {$38000.00}, consisting entirely of legitimate ATM business proceeds paid directly by our authorized processor. These funds are currently being held by Citibank in an internal ledger account following account closure. \n\nOn or about XX/XX/XXXX, Citibank sent written correspondence stating that the remaining account balance would be remitted via check within 3060 days. More than 100 days have now passed since the account closure, and no check has been received. \n\nI made repeated good-faith efforts to resolve this matter, including numerous calls with XXXX XXXX Department and XXXX in-person visits to Citibank branches in XXXX XXXX. I worked directly with XXXX, the branch manager at XXXX XXXX XXXX, who stated on multiple occasions that the issue was being escalated internally and that I should expect to be contacted. Despite these assurances, I was never contacted and received no written follow-up, confirmation, or resolution. \n\nI also escalated this matter in writing to Citibank Executive Response, copying Citibank Legal and Compliance departments. I have never received any acknowledgment, confirmation of receipt, or written response to those executive-level escalations. \n\nDuring a call with a fraud supervisor, I was informed verbally that the funds do not belong to me. This was the first time such a statement was made. At no point prior or since has Citibank provided any written notice stating that no funds were owed to us, nor has Citibank provided any written adverse determination, forfeiture notice, legal basis, or explanation supporting that claim. \n\nAdditionally, Citibank has never informed us what documentation or actions, if any, were required to release the funds. The fraud supervisor indicated there were no substantive notes on the account and no clear record of any prior documentation requests. \n\nTo date : Approximately {$38000.00} in ATM business funds remains withheld in a Citibank ledger account. \n\nNo written determination has been issued stating that no funds are owed. \n\nNo documentation requirements have been communicated to us. \n\nNo statute, regulation, or policy has been cited to justify retention of the funds. \n\nExecutive-level escalations have gone unanswered. \n\nBranch-level assurances resulted in no action or communication.\n\nCitibanks continued withholding of these funds despite its own written 3060 day remittance notice without written explanation, documentation requests, or due process has caused significant financial harm. \n\nWe are demanding the immediate release of the withheld funds. In the alternative, Citibank must provide a clear written explanation, supported by documentation, stating the legal basis for retaining the funds and the process available to dispute that determination. \n\nWe are requesting regulatory assistance to compel Citibank to release the funds as soon as possible.","date_sent_to_company":"2026-01-07T23:14:33.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"94122","tags":null,"has_narrative":true,"complaint_id":"18549421","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-01-07T23:02:41.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["I also escalated this matter in writing to Citibank Executive Response, copying Citibank <em>Legal</em> and <em>Compliance</em> <em>departments</em>. I have never received any acknowledgment, confirmation of receipt, or written response to those executive-level escalations. \n\nDuring a call with a fraud supervisor, I was informed verbally that the funds do not belong to me. This was the first time such a statement was made."]},"sort":[16.551485,"18549421"]},{"_index":"complaint-public-v1","_id":"21867417","_score":16.052069,"_source":{"product":"Credit card","complaint_what_happened":"Between XX/XX/XXXX and XX/XX/XXXX, multiple Apple Card transactions occurred under documented coercion and extortion, including explicit threats involving my family. This has been supported by law enforcement involvement, including a police investigation and FBI awareness due to the interstate nature of the activity. \n\nI reported these transactions beginning XX/XX/XXXX and repeatedly provided supporting evidence, including documentation of threats, a detailed timeline, and corroborating materials. The evidentiary record demonstrates a continuous pattern of coercion, a complete absence of voluntary or uncoerced consent, and no retained benefit from the transactions. \n\nOn XX/XX/XXXX, Goldman Sachs legal/dispute department received and signed for a certified mail package containing the full evidentiary record, including documentation of coercion, law enforcement involvement, and supporting exhibits. This placed the Bank on formal notice of the applicable legal framework and the complete factual record. \n\nDespite this, Goldman Sachs has continued to evaluate the matter under a fraud or billing error framework rather than determining whether valid authorization existed under Regulation Z ( 12 CFR 1026.12 ). Following confirmed receipt of the full evidentiary package, the Bank has issued multiple additional denials that do not address coercion, do not evaluate authorization under duress, and do not identify any evidence supporting valid authorization. \n\nIn total, the Bank has now issued repeated determinations on this matterboth before and after formal noticewithout applying the correct legal standard. These determinations consistently disregard the same evidentiary record, which remains unchanged and fully supported. \n\nAdditionally, the transactions at issue represent a clear and abrupt deviation from XXXX years of prior account history, including rapid, repeated purchases of round-dollar gift cards at unfamiliar merchants. The Banks conclusion that there was no suspicious or fraudulent activity does not reconcile with this pattern and is not supported by the account history. \n\nThe Bank has also failed to provide requested information, including a transaction-level breakdown of the account, the methodology used to calculate the balance and available credit, and the specific evidence relied upon to conclude that authorization was valid. No explanation has been provided addressing the documented coercion or how it was evaluated under Regulation Z. \n\nThis reflects a continued failure to conduct a reasonable investigation, a failure to evaluate authorization under the correct legal standard, and a pattern of non-responsive determinations issued after formal notice and receipt of complete supporting evidence. \n\nThe required legal inquiry is not whether a traditional billing error occurred, whether the merchant delivered goods, or whether the account showed signs of takeover. The required inquiry under Regulation Z, 12 CFR 1026.12 ( b ), is whether the charges were authorized by the cardholder. Authorization requires voluntary, uncoerced consent. Where use is obtained through coercion, threats, or duress, any apparent participation is not valid authorization.\n\nAttached communications demonstrate ongoing coercion and threats during the disputed timeframe. While certain messages may reference compliance with demands, these statements were made under duress and in response to continued threats. The overall communication record reflects a lack of voluntary, uncoerced consent and repeated attempts to stop the harm, not genuine authorization. These communications must be evaluated in their full context as part of a coercion pattern, not isolated statements, as required when determining authorization under Regulation Z","date_sent_to_company":"2026-05-04T21:32:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"19010","tags":null,"has_narrative":true,"complaint_id":"21867417","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2026-05-04T21:09:53.000Z","state":"PA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Following confirmed receipt of the full evidentiary package, the Bank has <em>issued</em> multiple additional denials that do not address coercion, do not evaluate authorization under duress, and do not identify any evidence supporting valid authorization. \n\nIn total, the Bank has now <em>issued</em> repeated <em>determinations</em> on this matterboth before and after formal noticewithout applying the correct <em>legal</em> standard."]},"sort":[16.052069,"21867417"]},{"_index":"complaint-public-v1","_id":"18898122","_score":15.496103,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear XXXX XXXX and XXXX XXXX, XXXX am writing to you directly and exclusively in your executive capacities as President & CEO and Executive Chairman of Cathay Bank. You were copied on my prior correspondence detailing serious allegations of misconduct dating back to 2018, involving elder and long-term customers, and outlining ongoing compliance failures and reliance on deficient internal investigations. This morning, I received only a generic acknowledgment from the Compliance Department stating that my complaint was received and that they \" will respond accordingly. '' No case number, no scope, no timeline, and no confirmation of executive review were provided. Given the nature of the allegations, the length of time involved, and prior acknowledgments by bank management, this matter requires direct executive oversight, not another closed-loop internal handling by the same compliance function whose conduct is at issue.\n\nAccordingly, I formally request that you provide written executive confirmation of the following : That this matter has been personally reviewed or directed for review by executive leadership, independent of prior internal compliance determinations. That Cathay Bank will conduct a good-faith, comprehensive review of historical evidence from XXXX, including branch records, management acknowledgments, and legally required data retention ( including surveillance/video systems ). That a defined timeline has been established for a substantive written response addressing each allegation raised. That Cathay Bank does not intend to rely solely on prior internal investigations that failed to address acknowledged evidence. Please understand that continued reliance on vague acknowledgments or recycled internal conclusions without transparency or executive accountabilitywill be documented as knowing inaction by senior management. This letter is sent to ensure there is no ambiguity as to executive awareness, oversight responsibility, and accountability for how this matter is handled going forward. I respectfully request a direct written response from executive leadership. Sincerely,","date_sent_to_company":"2026-01-21T19:12:02.000Z","issue":"Managing an account","sub_product":"CD (Certificate of Deposit)","zip_code":"94523","tags":null,"has_narrative":true,"complaint_id":"18898122","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CATHAY BANK","date_received":"2026-01-21T18:50:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Accordingly, I formally request that you provide written executive confirmation of the following : That this matter has been personally reviewed or directed for review by executive leadership, independent of prior internal <em>compliance</em> <em>determinations</em>. That Cathay Bank will conduct a good-faith, comprehensive review of historical evidence from XXXX, including branch records, management acknowledgments, and <em>legally</em> required data retention ( including surveillance/video systems )."]},"sort":[15.496103,"18898122"]},{"_index":"complaint-public-v1","_id":"19788113","_score":15.339278,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"b'What happened (detailed explanation)\\n\\nI am filing this complaint regarding Huntington National Banks handling of a formally disputed fraud matter involving unauthorized ACH payments and the banks failure to provide required transparency, investigation details, or timely responses.\\n\\nTwo commercial orders were placed with my company by XXXX XXXX XXXX and paid via credit card. At the time of processing, both credit card transactions were authorized and approved by the card issuer. Based on those approvals, freight charges were paid via ACH to a third party, XXXX  XXXX.\\n\\nThe transaction history is as follows:\\n\\nOrder #1  11/4/2025:\\nCredit card payment approved. Freight charges totaling $1,607.12 were remitted via ACH to XXXX  XXXX.\\n\\nOrder #2  XXXX2025:\\nCredit card payment approved. Freight charges totaling $2,035.94 were remitted via ACH on 11/24/2025.\\n\\nOn 12/3/2025, we were notified that the credit card charges associated with Order #2 ($4,639.24) were being disputed due to the card being reported stolen.\\n\\nWe immediately cooperated with Huntington Bank and provided all requested documentation, including criminal reports at both the local and federal levels. Despite repeated attempts to contact XXXX XXXX  by phone and email, no response has been received, and all correspondence has gone unanswered.\\n\\nHuntington later issued a letter dated XXXX/2026 stating that the ACH funds paid to XXXX XXXX were not recoverable. No explanation, investigative findings, recovery attempts, or procedural basis for this determination were provided.\\n\\nSince receiving that letter, I have made multiple written requests to Huntington Bank asking for:\\n\\nIdentification of the fraud officer or department assigned to the case\\n\\nWritten documentation outlining the investigative findings and basis for the not recoverable determination\\n\\nConfirmation that applicable ACH recovery procedures and internal fraud protocols were followed\\n\\nA timeline for review and resolution\\n\\nDespite repeated follow-ups, deadlines, and escalation requests, Huntington has failed to provide any substantive response. Bank representatives have repeatedly stated only that the matter has been escalated, while refusing to provide any details, documentation, or timelines.\\n\\nMost recently, Huntington stated that the matter has been referred to its legal department and customer advocacy group and that they are unable to provide any of the information requested. This response was provided after multiple deadlines had already passed and does not address the substance of the dispute.\\n\\nWhy this is a problem\\n\\nHuntington Bank has failed to provide a meaningful response to a formally disputed fraud matter, failed to explain its determination that recovery was not possible, and failed to demonstrate that appropriate ACH recovery efforts were pursued. Repeated non-responsiveness and refusal to provide basic status or investigative information raises serious concerns regarding procedural adequacy, compliance with ACH operating rules, and good-faith handling of fraud disputes.\\n\\nThis matter has been documented extensively in writing. The banks continued failure to respond substantively leaves no reasonable alternative but to seek regulatory review.\\n\\nWhat I want the bank to do\\n\\nProvide written documentation of the investigation performed\\n\\nIdentify the fraud officer or department assigned to this matter\\n\\nExplain the basis for the determination that ACH recovery was not possible\\n\\nConfirm what recovery efforts were attempted and when\\n\\nProvide a clear resolution or reimbursement determination supported by documented findings\\n\\nSupporting documentation\\n\\nI am prepared to provide:\\n\\nThe banks letter dated XXXX2026\\n\\nFull email correspondence showing repeated requests and missed deadlines\\n\\nCriminal reports (local and federal)\\n\\nTransaction records and ACH confirmations'","date_sent_to_company":"2026-02-25T21:23:05.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"48073","tags":null,"has_narrative":true,"complaint_id":"19788113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2026-02-25T21:09:20.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["\\n\\nHuntington later <em>issued</em> a letter dated XXXX/2026 stating that the ACH funds paid to XXXX XXXX were not recoverable. No explanation, investigative findings, recovery attempts, or procedural basis for this <em>determination</em> were provided."]},"sort":[15.339278,"19788113"]},{"_index":"complaint-public-v1","_id":"9046373","_score":14.9955225,"_source":{"product":"Checking or savings account","complaint_what_happened":"Formal Complaint Regarding Account Closures and Violation of CFPB Consent Order I am writing to formally lodge a complaint against Bank of America regarding multiple issues with my accounts and the bank 's apparent attempts to circumvent providing redress as instructed by the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ) under the enforcement action File No. XXXX. A copy of the consent order is attached to this complaint for reference. \n\nIssue 1 : Unjustified Account Closures and Misinformation 1. Initial Account Closure : On XX/XX/XXXX, my prepaid debit card account, where I received unemployment insurance benefits, was closed by the Department of Labor in the state of Maryland for 'deconversion. ' This was confirmed by a supervisor named XXXX on XX/XX/XXXX. \n\n2. Second Account Closure : On XX/XX/XXXX, Bank of America froze my card, which had already expired and was linked to a previously closed account. The freeze was lifted the same day, but the account remained blocked until XX/XX/XXXX. On XX/XX/XXXX, a Bank of America representative informed me that the account was closed due to a request from the Maryland Department of Labor for \" Fraud. '' However, I had requested a check for the remaining balance of {$2400.00} on XX/XX/XXXX. \n\nXXXX. Misinformation and Consent Order Compliance : The consent order explicitly states that : \" Respondent will not be required to pay redress to consumers meeting the definition of Affected Consumers as of the Effective Date for whom ( i ) the state benefit granting agency has determined or later determines should have been initially disqualified for unemployment insurance benefit payments, or ( ii ) whose unemployment insurance benefit prepaid debit card account is or becomes frozen, blocked, or closed by Respondent at the request of the state benefit granting agency, or due to suspected fraud, anti-money laundering, or financial crimes inquiries or determinations made in conjunction with law enforcement, or due to an independent legal requirement such as receipt of legal process or orders. '' The Maryland Department of Labor confirmed that it had not initiated any action on the account after the closure for 'deconversion ' on XX/XX/XXXX. I verified this through multiple conversations with representatives from the Maryland Department of Labor between XXXX and XXXX of XXXX. This misinformation suggests that Bank of America seeks to circumvent the terms of the consent order by incorrectly attributing the account closure to a fraud investigation by the state agency when, in fact, the account was closed for 'deconversion. ' Issue 2 : Freezing of Account Bank of America further complicated matters by freezing my account again on XX/XX/XXXX, despite the account being closed on XX/XX/XXXX. This freeze, initiated by Bank of America and not by the Maryland Department of Labor, raises concerns about the bank 's internal handling of the account. \n\nIssue XXXX : Timeliness and Accuracy of Claims Processing The bank has failed to process my claims within the relevant federal laws ' stipulated timeframes. Additionally, despite providing accurate transaction information, the bank 's claims representatives omitted my claims. \n\nIssue 4 : Consequential Harm Compensation Bank of America states that I was ineligible to receive compensation for consequential harm. However, my account was confirmed to be frozen from XX/XX/XXXX, to XX/XX/XXXX. This was verified on XX/XX/XXXX, by XXXX, a supervisor in the \" Check Issuance '' department, and XXXX, a supervisor in the \" Escalations '' department.","date_sent_to_company":"2024-05-19T11:48:51.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"21117","tags":"Servicemember","has_narrative":true,"complaint_id":"9046373","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-05-19T10:42:27.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["by Respondent at the request of the state benefit granting agency, or due to suspected fraud, anti-money laundering, or financial crimes inquiries or <em>determinations</em> made in conjunction with law enforcement, or due to an independent <em>legal</em> requirement such as receipt of <em>legal</em> process or orders. '' The Maryland <em>Department</em> of Labor confirmed that it had not initiated any action on the account after the closure for 'deconversion ' on XX/XX/XXXX."]},"sort":[14.9955225,"9046373"]},{"_index":"complaint-public-v1","_id":"21454241","_score":14.966475,"_source":{"product":"Student loan","complaint_what_happened":"Complaint Narrative XXXX XXXX XXXX Refund NonCompliance & Contradictory Federal Records I am filing a complaint regarding the failure of American Education Services ( AES ) and the Pennsylvania Higher Education Assistance Agency ( PHEAA ) to process my XXXX XXXX XXXX refund by the federally mandated deadline of XX/XX/XXXX, as well as the contradictory and inconsistent statements provided by AES, PHEAA, the U.S. Department of Education ( DOE ), and XXXX  regarding my loan type, payment history, and refund eligibility.\n\nDespite a Borrower Defense approval issued by the Department of Education on XX/XX/XXXX, AES confirmed on XX/XX/XXXX that my XXXX XXXX XXXX refund was not processed by the required deadline. Multiple agencies have since provided conflicting information, creating a circular loop with no resolution and preventing me from receiving the refund I am legally entitled to under the settlement.\n\nI. Background Borrower Defense Approval On XX/XX/XXXX, the U.S. Department of Education approved my Borrower Defense application under the XXXX XXXX XXXX settlement. \nApproval under XXXX requires : Discharge of qualifying loans Refund of all qualifying payments Refund issuance no later than XX/XX/XXXX No agency disputes that my claim was approved.\n\nII. XXXX  & XXXX  Contradictions No Federal Loan Records Found On XX/XX/XXXX, I received a XXXX  response ( Case XXXX ) from the Department of Education. \nXXXX  XXXX XXXX XXXX reported : No federal loan records exist for me in XXXX. \n\nDOE instructed me to contact PHEAA for records.\n\nThis directly contradicts : DOEs Borrower Defense approval letter ( which presumes federal loans ) AES/PHEAAs repeated statements that my loans are federal student loans eligible for discharge This discrepancy indicates a failure in federal recordkeeping and servicer reporting that materially affects my refund rights.\n\nIII. DOE Federal Student Aid No Assistance Provided On XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX XXXX ( Case # XXXX ). \nDOE again referred me back to PHEAA and provided no clarification regarding : Missing XXXX records Refund status Loan classification inconsistencies This created a circular referral loop with no resolution. \n\nIV. AES/PHEAA Contradictory Statements On XX/XX/XXXX, AES Ombudsman Group representative XXXX stated : Loans are Federal Student Loans eligible for discharge.\n\nAES has records of payments made to AES.\n\nPayments made after XXXX approval would be refundable.\n\nAES is not a servicer for DOE.\n\nRefund eligibility must be confirmed by DOE.\n\nThese statements contradict : XXXX findings of no federal records DOEs Borrower Defense approval AESs own statements that no refund is owed AES and PHEAA repeatedly redirected me to each other and to DOE without providing the required refund determination.\n\nV. Refund Compliance Call AES Confirmation of Missed Deadline On XX/XX/XXXX, during a documented call between XXXX XXXX, AES representative XXXX ( Rep ID XXXX ) confirmed : The XXXX XXXX XXXX refund was not processed No refund date exists No processing information exists The refund deadline was missed This is a direct violation of the XXXX XXXX XXXX settlement, which required all refunds to be issued by XX/XX/XXXX. \n\nVI. Circular Referrals & Failure to Provide Required Information Across multiple contacts with AES, PHEAA, DOE, and XXXX, I received : Contradictory statements about loan type Contradictory statements about payment history No refund date No refund determination No explanation for missing XXXX records No identification of qualifying payments No corrective action Each agency referred me to another, creating a closed loop with no resolution.\n\nVII. Summary of Violations The following compliance failures have occurred : Missed federal refund deadline ( confirmed by AES ).\n\nContradictory loan classification between DOE, XXXX, XXXX, AES, and PHEAA. \n\nFailure to identify qualifying payments, as required under XXXX. \n\nFailure to provide refund processing information. \n\nFailure to maintain accurate federal loan records. \n\nCircular referrals preventing resolution. \n\nFailure to comply with the XXXXXXXX XXXX XXXXXXXX settlement terms.\n\nVIII. Requested Resolution I am requesting : Immediate confirmation of refund eligibility based on my Borrower Defense approval.\n\nIdentification of all qualifying payments owed under the XXXX settlement.\n\nIssuance of the full refund, including all payments made to AES/PHEAA .\n\nWritten explanation for : Why the refund was not processed by the XX/XX/XXXX deadline Why XXXX  and XXXX show no federal loan records Why AES/PHEAA provided contradictory statements Corrective action to ensure compliance with the XXXX XXXX XXXX settlement .","date_sent_to_company":"2026-04-21T19:55:09.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"28326","tags":null,"has_narrative":true,"complaint_id":"21454241","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2026-04-21T19:48:29.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["<em>Department</em> of Education ( DOE ), and XXXX  regarding my loan type, payment history, and refund eligibility.\n\nDespite a Borrower Defense approval <em>issued</em> by the <em>Department</em> of Education on XX/XX/XXXX, AES confirmed on XX/XX/XXXX that my XXXX XXXX XXXX refund was not processed by the required deadline. Multiple agencies have since provided conflicting information, creating a circular loop with no resolution and preventing me from receiving the refund I am <em>legally</em> entitled to under the settlement."]},"sort":[14.966475,"21454241"]},{"_index":"complaint-public-v1","_id":"13839480","_score":14.750472,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Response to TransUnion CFPB Complaint XXXX Thank you for your response. However, your position and actions are in direct violation of federal law under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX regulations, specifically : XXXX. Illegal Demand for Additional Documentation Under XXXX C.F.R. XXXX ( c ), a consumer reporting agency XXXX not require any additional documentation beyond : ( i ) Proof of identity, and ( ii ) A valid XXXX XXXX victim determination document from an authorized entity ( such as XXXX recognized by the XXXX Department XXXX XXXX XXXX XXXX XXXX ). \n\nI have already submitted : A valid XXXX XXXX determination letter from XXXX XXXX XXXX and a statement from the XXXX of the facility which is a federally recognized organization under XXXX, and My proof of identity. \n\nThis satisfies the legal requirement. Your request for additional XXXX XXXX documents or for me to re-identify the adverse items is both redundant and unlawful. \n\nXXXX. Violation of the FCRA XXXX ( a ) Failure to XXXX Adverse Items The law is clear that upon receipt of the required documents, a consumer reporting agency must block the information identified by the victim as XXXX within XXXX ( XXXX ) business days. TransUnion has failed to do so and instead delayed compliance while issuing unlawful demands. \n\nXXXX. Failure to Provide a Meaningful Response or Result I was told I could access dispute results online, but I am met with an error message stating : Disputes can not be reviewed at this time. \n\nI have not received written confirmation of whether the accounts were deleted, blocked, or left unchanged. This lack of transparency violates your FCRA duty to provide a result of the dispute in writing. \n\nDEMAND FOR COMPLIANCE I request that the CFPB take formal notice that TransUnion is : Refusing to comply with XXXX XXXX. XXXX Violating XXXX C.F.R. XXXX ( c ) Delaying required action beyond the XXXX limit I respectfully ask that TransUnion immediately : Block and delete all adverse information associated with my XXXX XXXX case, including XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and written update confirming action taken Cease and desist all demands for unlawful additional documents not required by federal law Thank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-02T22:51:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90028","tags":null,"has_narrative":true,"complaint_id":"13839480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-02T22:43:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX ( c ), a consumer reporting agency XXXX not require any additional documentation beyond : ( i ) Proof of identity, and ( ii ) A valid XXXX XXXX victim <em>determination</em> document from an authorized entity ( such as XXXX recognized by the XXXX <em>Department</em> XXXX XXXX XXXX XXXX XXXX )."]},"sort":[14.750472,"13839480"]},{"_index":"complaint-public-v1","_id":"13839812","_score":14.733041,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Response to TransUnion CFPB Complaint XXXX Thank you for your response. However, your position and actions are in direct violation of federal law under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX regulations, specifically : XXXX. Illegal Demand for Additional Documentation Under XXXX C.F.R. XXXX ( c ), a consumer reporting agency XXXX not require any additional documentation beyond : ( i ) Proof of identity, and ( ii ) A valid XXXX XXXX victim determination document from an authorized entity ( such as XXXX recognized by the XXXX Department XXXX XXXX XXXX XXXX XXXX ). \n\nI have already submitted : A valid XXXX XXXX determination letter from XXXX XXXX XXXX and a statement from the XXXX of the facility which is a federally recognized organization under XXXX, and My proof of identity. \n\nThis satisfies the legal requirement. Your request for additional XXXX XXXX documents or for me to re-identify the adverse items is both redundant and unlawful. \n\nXXXX. Violation of the FCRA XXXX ( a ) Failure to XXXX Adverse Items The law is clear that upon receipt of the required documents, a consumer reporting agency must block the information identified by the victim as XXXX within XXXX ( XXXX ) business days. TransUnion has failed to do so and instead delayed compliance while issuing unlawful demands. \n\nXXXX. Failure to Provide a Meaningful Response or Result I was told I could access dispute results online, but I am met with an error message stating : Disputes can not be reviewed at this time. \n\nI have not received written confirmation of whether the accounts were deleted, blocked, or left unchanged. This lack of transparency violates your FCRA duty to provide a result of the dispute in writing. \n\nDEMAND FOR COMPLIANCE I request that the CFPB take formal notice that TransUnion is : Refusing to comply with XXXX XXXX. XXXX Violating XXXX C.F.R. XXXX ( c ) Delaying required action beyond the XXXX limit I respectfully ask that TransUnion immediately : Block and delete all adverse information associated with my XXXX XXXX case, including XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and written update confirming action taken Cease and desist all demands for unlawful additional documents not required by federal law Thank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-02T22:51:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90028","tags":null,"has_narrative":true,"complaint_id":"13839812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-02T22:51:17.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX ( c ), a consumer reporting agency XXXX not require any additional documentation beyond : ( i ) Proof of identity, and ( ii ) A valid XXXX XXXX victim <em>determination</em> document from an authorized entity ( such as XXXX recognized by the XXXX <em>Department</em> XXXX XXXX XXXX XXXX XXXX )."]},"sort":[14.733041,"13839812"]},{"_index":"complaint-public-v1","_id":"13839221","_score":14.728923,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Response to TransUnion CFPB Complaint XXXX Thank you for your response. However, your position and actions are in direct violation of federal law under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX regulations, specifically : XXXX. Illegal Demand for Additional Documentation Under XXXX C.F.R. XXXX ( c ), a consumer reporting agency XXXX not require any additional documentation beyond : ( i ) Proof of identity, and ( ii ) A valid XXXX XXXX victim determination document from an authorized entity ( such as XXXX recognized by the XXXX Department XXXX XXXX XXXX XXXX XXXX ). \n\nI have already submitted : A valid XXXX XXXX determination letter from XXXX XXXX XXXX and a statement from the XXXX of the facility which is a federally recognized organization under XXXX, and My proof of identity. \n\nThis satisfies the legal requirement. Your request for additional XXXX XXXX documents or for me to re-identify the adverse items is both redundant and unlawful. \n\nXXXX. Violation of the FCRA XXXX ( a ) Failure to XXXX Adverse Items The law is clear that upon receipt of the required documents, a consumer reporting agency must block the information identified by the victim as XXXX within XXXX ( XXXX ) business days. TransUnion has failed to do so and instead delayed compliance while issuing unlawful demands. \n\nXXXX. Failure to Provide a Meaningful Response or Result I was told I could access dispute results online, but I am met with an error message stating : Disputes can not be reviewed at this time. \n\nI have not received written confirmation of whether the accounts were deleted, blocked, or left unchanged. This lack of transparency violates your FCRA duty to provide a result of the dispute in writing. \n\nDEMAND FOR COMPLIANCE I request that the CFPB take formal notice that TransUnion is : Refusing to comply with XXXX XXXX. XXXX Violating XXXX C.F.R. XXXX ( c ) Delaying required action beyond the XXXX limit I respectfully ask that TransUnion immediately : Block and delete all adverse information associated with my XXXX XXXX case, including XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and written update confirming action taken Cease and desist all demands for unlawful additional documents not required by federal law Thank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-02T22:51:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90028","tags":null,"has_narrative":true,"complaint_id":"13839221","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-02T22:51:17.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX ( c ), a consumer reporting agency XXXX not require any additional documentation beyond : ( i ) Proof of identity, and ( ii ) A valid XXXX XXXX victim <em>determination</em> document from an authorized entity ( such as XXXX recognized by the XXXX <em>Department</em> XXXX XXXX XXXX XXXX XXXX )."]},"sort":[14.728923,"13839221"]},{"_index":"complaint-public-v1","_id":"21074227","_score":14.636378,"_source":{"product":"Checking or savings account","complaint_what_happened":"FOLLOW UP OF CASE XXXX I am submitting an update to my complaint regarding Bank of Americas handling of my fraud claim. After initially issuing provisional credit for an ATM withdrawal, Bank of America has now reversed that credit while the investigation is still disputed and unresolved. I did not include this in my original complaint because the provisional credit had temporarily been applied ; however, its removal has now caused additional financial hardship. \n\nI have provided substantial documentation to support my claim, including a notarized affidavit, police report, FOIA records, timestamps, and account statements. Despite this, Bank of America continues to deny my claim without providing sufficient evidence that I authorized these transactions. The transactions were conducted via XXXX XXXX on a device I do not own, and I was physically at work at the time, which has been documented. \n\nThe reversal of provisional credit under these circumstances raises serious concerns regarding compliance with the Electronic Fund Transfer Act ( Regulation E ), specifically the requirement to conduct a reasonable investigation and provisionally credit disputed funds when investigations are ongoing.\n\nI am requesting immediate review of this matter, reinstatement of the provisional credit, and full reimbursement of the unauthorized transactions.\n\nAdditionally, I have formally served a Notice of Intent to Pursue Legal Action to Bank of America through their registered agent, XXXX XXXX, via certified mail. Delivery was confirmed and signed for on XX/XX/year>. I have also verified with Bank of Americas claims department that my supporting documentation was successfully uploaded and received in their system.\n\nDespite confirmed receipt of extensive evidence, including a notarized affidavit, police report, FOIA documentation, timestamps, and account records, Bank of America has continued to deny my claim and has now reversed previously issued provisional credit. This indicates that my documentation may not have been reasonably reviewed prior to their determination.\n\nI am attaching proof of delivery, submission confirmations, and all supporting documentation for review. I am requesting immediate intervention to ensure compliance with Regulation E and proper handling of my fraud claim.\n\nIt is also important to note as the account holder I am sworn law enforcement officer who is fully aware of the legal consequences associated with making false statements or filing a fraudulent claim. The affidavit and report submitted were made under that understanding and carry legal accountability.\n\nI am attaching proof of delivery, submission confirmations, and all supporting documentation for review. I am requesting immediate intervention to ensure compliance with Regulation E and proper handling of my fraud claim. \n\nClaim # : XXXX, XXXX","date_sent_to_company":"2026-04-09T00:34:20.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"481XX","tags":"Servicemember","has_narrative":true,"complaint_id":"21074227","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-09T00:04:57.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am requesting immediate intervention to ensure <em>compliance</em> with Regulation E and proper handling of my fraud claim.\n\nIt is also important to note as the account holder I am sworn law enforcement officer who is fully aware of the <em>legal</em> consequences associated with making false statements or filing a fraudulent claim. The affidavit and report submitted were made under that understanding and carry <em>legal</em> accountability."]},"sort":[14.636378,"21074227"]},{"_index":"complaint-public-v1","_id":"16153679","_score":14.629951,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Tel : ( XXXX ) XXXX Email : XXXX XX/XX/year> Via Certified Mail / Electronic Submission To : - TD Bank, N.A., Attn : Legal & Compliance Department, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX - Office of the Comptroller of the Currency ( OCC ) Customer Assistance Group - Consumer Financial Protection Bureau ( CFPB ) Case # XXXX Re : Supplemental Submission Fraud Complaint / {$72000.00} Wire Transfers XXXX XXXX XXXX XXXX XXXX XXXX, TD Bank failed to meet its Know Your Customer ( KYC ) and Anti-Money Laundering ( AML ) obligations under the Bank Secrecy Act and related federal regulations. \nBecause TD Bank controlled both the originating and receiving accounts for these wire transfers, it had full visibility into the transactions and a duty to ensure the recipient account was properly vetted and monitored. Allowing its Massachusetts account to be used for fraudulent purposes without appropriate detection reflects a breakdown in these critical compliance safeguards. \nMost recently, TD Bank issued a written denial dated XX/XX/year> through its US Fraud Operations Customer Cares unit ( see attached Exhibit A ). This response was operational in nature and does not represent a legal or compliance-level determination. By routing my regulatory complaint to a customer-care channel, TD Bank has failed to substantively address its compliance obligations under the Bank Secrecy Act and related federal regulations. \nDear Sir or Madam : I write to provide a brief supplemental statement to my prior response dated XX/XX/year>, regarding the above-referenced matter. In preparing my case, I realized that I had omitted an important fact : on the days I went into my TD Bank branch in XXXX to initiate the wires, I was reassured by the fact that the funds were being transmitted to another TD Bank account in XXXX. \nAs a consumer, I reasonably relied on the assumption that a transfer between two TD Bank accounts would be secure, properly monitored, and subject to enhanced scrutiny by the Bank itself. This reliance was a significant factor in my decision to proceed with the wires, which later turned out to be fraudulent. \nI respectfully request that this supplemental statement be included in the record alongside my prior filings. \nThank you for your continued attention to this matter. \nRespectfully, XXXX XXXX","date_sent_to_company":"2025-09-24T18:41:39.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"10703","tags":"Older American","has_narrative":true,"complaint_id":"16153679","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-09-24T18:29:50.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Allowing its Massachusetts account to be used for fraudulent purposes without appropriate detection reflects a breakdown in these critical <em>compliance</em> safeguards. \nMost recently, TD Bank <em>issued</em> a written denial dated XX/XX/year> through its US Fraud Operations Customer Cares unit ( see attached Exhibit A ). This response was operational in nature and does not represent a <em>legal</em> or <em>compliance</em>-level <em>determination</em>."]},"sort":[14.629951,"16153679"]},{"_index":"complaint-public-v1","_id":"17083665","_score":14.127234,"_source":{"product":"Checking or savings account","complaint_what_happened":"My phone was stolen on XX/XX/XXXX. After the theft, the thief gained access to my Chase Bank mobile app and sent a {$980.00} XXXX payment from my account without my authorization. I have a police report documenting the theft ( Case number XXXX ) and I reported the incident to Chase within hours of discovering it. Despite multiple reports to Chases fraud department and even to their Executive Office, Chase has refused to reimburse me. Their only explanation was that because the transfer was authorized via Face ID, they consider it valid. However, this ignores the fact that my device was stolen and used by someone else. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005 ), a transfer is unauthorized when made by someone other than the consumer without authority. Face ID authentication does not legally constitute authorization if the access was the result of theft. Chase also failed to issue a provisional credit within 10 business days, as required by Regulation E. What Ive done so far : Filed a police report immediately after the theft.\n\nReported the unauthorized transfer to Chases fraud department several times.\n\nEscalated the case to Chases Executive Office and provided documentation.\n\nHave not received any reimbursement, written determination, or evidence of a proper investigation.\n\nWhat I want : I am requesting that the CFPB ensure Chase complies with Regulation E by : Properly classifying this as an unauthorized electronic fund transfer, Reimbursing the {$980.00} taken from my account, and Providing documentation of the investigation and corrective action.\n\nThis matter has been pending for over a month with no resolution. I am asking the CFPB to review Chases handling of this case and ensure compliance with federal consumer protection laws.\n\nAmount in dispute : {$980.00} Institution involved : Chase Bank ( JPMorgan Chase & Co . )","date_sent_to_company":"2025-11-06T03:45:01.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"17083665","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-06T02:49:14.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Face ID authentication does not <em>legally</em> constitute authorization if the access was the result of theft. Chase also failed to <em>issue</em> a provisional credit within 10 business days, as required by Regulation E. What Ive done so far : Filed a police report immediately after the theft.\n\nReported the unauthorized transfer to Chases fraud <em>department</em> several times.\n\nEscalated the case to Chases Executive Office and provided documentation."]},"sort":[14.127234,"17083665"]},{"_index":"complaint-public-v1","_id":"21631439","_score":14.051496,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint after repeated and unsuccessful attempts to resolve a fraud incident directly with Regions Bank. \n\nOn XX/XX/XXXX, I sent a formal written request to Regions Bank detailing a fraud induced teller withdrawal that occurred on XX/XX/XXXX. As of today, more than three weeks later, I have received no response, no acknowledgment, and no written determination of any kind. \n\nThis complaint represents my escalation after exhausting reasonable efforts to resolve the matter directly. \n\nOn XX/XX/XXXX, I was the victim of a law enforcement impersonation scam. The individuals involved claimed to be affiliated with the XXXX Police Department and possessed my full Social Security number, date of birth, and home address prior to my confirming any information. Based on that, I had every reason to believe the situation was legitimate. \n\nI was kept on the phone continuously under what was described as a mobile escort, with instructions that compliance would affect legal consequences. The individuals tracked my movements in real time and demonstrated knowledge of my location, including referencing my wifes location before I arrived to meet her. \n\nWhile under this coercion, I completed two teller withdrawals at a Regions branch on XXXX XXXX XXXX totaling XXXX dollars, one for XXXX dollars and one for XXXX dollars. During the transaction, I told the teller that I was in trouble with the police. I was still on the phone with the individual directing me at the time, although the phone was in my pocket. \n\nThe funds were immediately converted to cryptocurrency under direction from the impersonators. I did not receive any goods or services. This was not an investment or voluntary transaction, but one made under deception and pressure.\n\nFollowing the incident, I reported the fraud in person at the Regions branch located at XXXX XXXX XXXX, XXXX, FL XXXX. I have returned to this branch at least six times seeking updates. During those visits, I was initially told the claim had been denied, but then told it would be escalated further because staff clearly recognized the fraud involved. The branch manager who was reportedly handling that escalation later left their position, and I have not received any confirmation that the escalation was ever completed. \n\nAfter months without communication, I began contacting Regions abuse department by phone to request documentation and updates. One report was submitted, followed by another after two weeks of silence. It has now been approximately four months since the incident, and despite consistently following up, I have not received a written determination, supporting documentation, or any meaningful communication regarding the status of my case. \n\nAt this point, the issue is not only the fraud itself, but the complete lack of response, documentation, and transparency from Regions Bank. I have received no written determination, no explanation of policy, no documentation of teller interaction or internal review, and no meaningful communication. \n\nI am requesting a formal investigation into Regions Banks handling of this matter, a written response outlining their position and supporting policy, confirmation of whether proper fraud review and escalation procedures were followed, and accountability for the lack of response after my formal written request. \n\nThe email referenced above, sent on XX/XX/XXXX, was my last direct communication to Regions Bank and remains unanswered. Due to the lack of response, I am now escalating this matter for regulatory review","date_sent_to_company":"2026-04-27T16:55:39.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32225","tags":null,"has_narrative":true,"complaint_id":"21631439","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2026-04-27T16:42:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The individuals involved claimed to be affiliated with the XXXX Police <em>Department</em> and possessed my full Social Security number, date of birth, and home address prior to my confirming any information. Based on that, I had every reason to believe the situation was legitimate. \n\nI was kept on the phone continuously under what was described as a mobile escort, with instructions that <em>compliance</em> would affect <em>legal</em> consequences."]},"sort":[14.051496,"21631439"]},{"_index":"complaint-public-v1","_id":"18888290","_score":13.962555,"_source":{"product":"Credit card","complaint_what_happened":"COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card ISSUE Problem with a purchase shown on your statement Subject : Formal Rebuttal and Request for Reconsideration Unauthorized Transaction Claim ( {$19000.00} ) Dear Navy Federal Credit Union Fraud Prevention Team , I am writing to formally dispute and rebut the final determination issued regarding my unauthorized credit card transaction claim in the amount of {$19000.00}, which you concluded as unsupported. \nI respectfully disagree with this determination and request an immediate reconsideration of my claim based on the documented facts and evidence already submitted. \nSummary of Key Facts The disputed transaction occurred on XX/XX/XXXX, while I was physically outside the United States, traveling in the XXXX XXXX. \nMy credit card remained in my possession at all times during this period. \nI did not authorize, participate in, or benefit from the transaction in question. \nI have never shared my card, PIN, or account credentials with any individual. \nA police report was filed with the XXXX XXXXXXXX Police Department, confirming the fraudulent nature of this charge. \nOfficial travel documentation ( flight records and immigration stamps ) clearly establishes that I could not have conducted this transaction in person. \nConcerns With the Investigation Outcome Your response does not clearly explain : What specific evidence was relied upon to determine that this transaction was authorized, How the investigation reconciled my verified international travel with the location and nature of the transaction, Whether merchant-level data ( IP address, device fingerprinting, card-present vs. card-not-present indicators, EMV verification, or merchant authentication records ) were reviewed and analyzed. \nAbsent such clarification, the conclusion that this was a valid debt remains unsupported by the available evidence. \nRequest for Immediate Action I am formally requesting the following : 1. A detailed written explanation of the investigative findings, including the specific basis for denying my claim.\n\n2. Reconsideration of the fraud determination, taking into account the police report immediately I came back to XXXX XXXXXXXX from XXXX in XXXX and proof of international travel ticket leaving out of XXXX XXXX of XXXX, XXXX and back to XXXX XXXX of XXXX, XXXX. I was in XXXX over XXXX XXXX to stay with my children because of urgent family issue. \n3. Correction or suppression of adverse credit reporting related to this disputed transaction while the matter remains unresolved.\n\n4. Confirmation of whether this dispute has been reviewed for compliance with the Fair Credit Billing Act ( FCBA ) and Regulation Z. \nI have acted in good faith, reported this matter promptly, cooperated fully with your investigation, and provided substantial supporting documentation. The financial and reputational harm resulting from this unresolved fraudulent charge has been significant. \nIf this matter can not be resolved internally, I will have no choice but to pursue further remedies, including escalation through regulatory and legal channels. However, I remain hopeful that Navy Federal will take appropriate corrective action upon reconsideration. \nPlease acknowledge receipt of this rebuttal and advise on the next steps within 15 business days. \nSincerely, XXXX XXXX Account Holder Phone number : XXXX : XXXX, and XXXX : XXXX. \nEmail Address : XXXX XXXX","date_sent_to_company":"2026-01-21T14:07:56.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"73013","tags":null,"has_narrative":true,"complaint_id":"18888290","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-01-21T13:36:00.000Z","state":"OK","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card <em>ISSUE</em> Problem with a purchase shown on your statement Subject : Formal Rebuttal and Request for Reconsideration Unauthorized Transaction Claim ( {$19000.00} ) Dear Navy Federal Credit Union Fraud Prevention Team , I am writing to formally dispute and rebut the final <em>determination</em> <em>issued</em> regarding my unauthorized credit card transaction claim in the amount of {$19000.00}, which you concluded as unsupported."]},"sort":[13.962555,"18888290"]},{"_index":"complaint-public-v1","_id":"2776621","_score":13.712426,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This Complaint is in response to the XXXX XXXX, XXXX letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Department of Education/Nelnet is in violation of Section 623 ( a ) ( 2 ) of the FCRA. \nI have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ).\n\nThe advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.\n\n, Department of Education/Nelnet representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX that any subsequently initiated deferments would not allow for, Department of Education/Nelnet to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my, Department of Education/Nelnet accounts that were part of the XXXX XXXX late payments show deferment status effective as of XXXX/XXXX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with, Department of Education/Nelnet, both as they actually existed and as Nelnet has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. \nIn the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other legal routes if necessary.","date_sent_to_company":"2018-01-09T17:31:07.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77396","tags":null,"has_narrative":true,"complaint_id":"2776621","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2018-01-09T17:23:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I am thus requesting that in <em>compliance</em> with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. \nIn the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other <em>legal</em> routes if necessary."]},"sort":[13.712426,"2776621"]},{"_index":"complaint-public-v1","_id":"2776638","_score":13.702703,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This Complaint is in response to the XXXX XXXX, XXXX letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Department of EducationXXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA.\n\nI have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information  updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). \nThe advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. \n, Department of Education/XXXX representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX that any subsequently initiated deferments would not allow for, Department of Education/XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my, Department of EducationXXXX accounts that were part of the XXXX XXXX late payments show deferment status effective as of XXXX/XXXX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with, Department of Education/XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. \nIn the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other legal routes if necessary.","date_sent_to_company":"2018-01-09T17:31:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77396","tags":null,"has_narrative":true,"complaint_id":"2776638","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-01-09T17:31:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I am thus requesting that in <em>compliance</em> with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. \nIn the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other <em>legal</em> routes if necessary."]},"sort":[13.702703,"2776638"]},{"_index":"complaint-public-v1","_id":"2776637","_score":13.694733,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This Complaint is in response to the XXXX XXXX, XXXX letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Department of Education/XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA.\n\nI have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ).\n\nThe advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. \n, Department of EducationXXXX representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX that any subsequently initiated deferments would not allow for, Department of EducationXXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my, Department of EducationXXXX accounts that were part of the XXXX XXXX late payments show deferment status effective as of XXXX/XXXX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with, Department of Education/XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. \nIn the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other legal routes if necessary.","date_sent_to_company":"2018-01-09T17:31:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77396","tags":null,"has_narrative":true,"complaint_id":"2776637","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-01-09T17:31:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I am thus requesting that in <em>compliance</em> with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. \nIn the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other <em>legal</em> routes if necessary."]},"sort":[13.694733,"2776637"]},{"_index":"complaint-public-v1","_id":"18522475","_score":13.496865,"_source":{"product":"Checking or savings account","complaint_what_happened":"b\"On XXXX XXXX XXXX through XXXX XXXX XXXX I was the victim of a sophisticated impersonation fraud scheme. A criminal impersonated my friend on XXXX to manipulate me into sending $XXXX via XXXX XXXX XXXX  transactions using my PNC debit card ending in XXXX. The funds were immediately converted to Bitcoin and transferred to criminal-controlled wallets.\\n\\nCRITICAL FACT: PNC initially recognized this as fraud and issued provisional credit to my account. This acknowledgment by PNC's own fraud department confirmed these were unauthorized transactions warranting Regulation E protection. Subsequently, PNC reversed this provisional credit without ever contacting me for additional information or conducting a proper investigation as required under 12 CFR 1005.11.\\n\\nREGULATION E VIOLATIONS:\\n\\n1. First Violation - Failure to Respond to Initial Dispute:\\n- XXXX XXXX XXXX Sent formal Regulation E dispute via certified mail\\n- XXXX XXXX XXXX: Delivered to PNC (USPS tracking confirmation)\\n- Required response deadline: XXXX XXXX XXXX (10 business days)\\n- PNC's response: NONE - complete failure to provide written determination\\n\\n2. Second Violation - Failure to Respond to Final Demand:\\n- XXXX XXXX XXXX Sent final demand letter via certified mail\\n- XXXX XXXX XXXX: Delivered to PNC (tracking: XXXX XXXX XXXX XXXX XXXX XXXX\\n- Required response deadline: XXXX XXXX XXXX (5 business days)\\n- PNC's response: NONE - continued willful non-compliance\\n\\nPhone Call Does Not Satisfy Legal Requirements:\\nI received one phone call after my first letter where PNC claimed Bitcoin transactions are equivalent to cash and they couldn't help. This violates Regulation E because:\\n- Electronic fund transfers via debit card ARE covered regardless of ultimate destination\\n- Phone calls don't satisfy the requirement for WRITTEN determination under 12 CFR 1005.11(d)\\n- PNC never provided reasons for denial or my right to request supporting documents\\n\\nEvidence of Ongoing Criminal Enterprise:\\n- Scammer's XXXX wallet (XXXX still actively receiving funds\\n- XXXX account (XXXX) still operating the same impersonation scheme\\n- Federal law enforcement investigating: FBI IC3 #XXXX, FTC #XXXX, CFTC XXXXPNC's Pattern of Violations:\\n- Failed to conduct reasonable investigation (never contacted me)\\n- Failed to provide written determination within 10 business days\\n- Failed to explain provisional credit reversal\\n- Failed to respond to final demand letter\\n- Continues to wrongfully withhold $XXXXAs of XXXX XXXX XXXX it has been XXXX days since my first dispute with XXXX  written response from PNC. This demonstrates willful disregard for federal consumer protection laws.\"","date_sent_to_company":"2026-01-07T05:06:00.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"276XX","tags":null,"has_narrative":true,"complaint_id":"18522475","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2026-01-07T04:47:36.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["\\n\\nCRITICAL FACT: PNC initially recognized this as fraud and <em>issued</em> provisional credit to my account. This acknowledgment by PNC's own fraud <em>department</em> confirmed these were unauthorized transactions warranting Regulation E protection. Subsequently, PNC reversed this provisional credit without ever contacting me for additional information or conducting a proper investigation as required under 12 CFR 1005.11.\\n\\nREGULATION E VIOLATIONS:\\n\\n1."]},"sort":[13.496865,"18522475"]},{"_index":"complaint-public-v1","_id":"2776636","_score":13.093591,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This Complaint is in response to the XXXX XXXX, XXXX letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Department of Education/XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA.\n\nI have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ).\n\nThe advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish informatio n to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it co\nmplete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. \n, Department of Education/XXXX representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX that any subsequently initiated deferments would not allow for, Department of Education/XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my, Department of EducationXXXX accounts that were part of the XXXX XXXX late payments show deferment status effective as of XXXX/XXXX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with, Department of Education/XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. \nIn the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other legal routes if necessary.","date_sent_to_company":"2018-01-09T17:31:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77396","tags":null,"has_narrative":true,"complaint_id":"2776636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-01-09T17:31:16.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I am thus requesting that in <em>compliance</em> with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. \nIn the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other <em>legal</em> routes if necessary."]},"sort":[13.093591,"2776636"]},{"_index":"complaint-public-v1","_id":"11878184","_score":12.907432,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Regarding False Reporting and Failure to Provide Investigation Details Dear Equifax Dispute Department, I am writing to formally dispute the continued reporting of certain accounts on my credit file that you previously informed the Consumer Financial Protection Bureau ( CFPB COMPLAINT NUMBER XXXX ) were deleted and permanently blocked. Despite these assurances, these accounts are still appearing on my Equifax credit report, which is both misleading and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). \n\nThe specific accounts in question are : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX Furthermore, Equifax has failed to provide me with the specifics of your investigation into these accounts, which is a violation of the FCRA. Under 15 U.S.C. 1681i ( a ) ( 6 ), Equifax is required to provide consumers with the results of reinvestigations, including the sources of information and reasons for any determinations made. By failing to do so, Equifax is in direct violation of federal law. \n\nI demand the immediate removal of these accounts from my credit file, along with a detailed explanation of the investigation that Equifax conducted. If Equifax does not rectify this issue promptly, I am prepared to escalate this matter further by filing additional complaints with the CFPB, the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I am also considering legal action to enforce my rights under the FCRA. \n\nPlease provide a written response confirming your compliance with this request within 30 days, as required by law. I expect full transparency regarding this matter and the immediate deletion of the above-listed accounts if they were indeed removed and permanently blocked as previously stated. \n\n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-31T17:35:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92883","tags":null,"has_narrative":true,"complaint_id":"11878184","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-31T17:22:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["If Equifax does not rectify this <em>issue</em> promptly, I am prepared to escalate this matter further by filing additional complaints with the CFPB, the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I am also considering <em>legal</em> action to enforce my rights under the FCRA. \n\nPlease provide a written response confirming your <em>compliance</em> with this request within 30 days, as required by law."]},"sort":[12.907432,"11878184"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":269,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":269}]}},"product":{"doc_count":269,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":108,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":107},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Debt collection","doc_count":53,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":33},{"key":"Mortgage 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