{"took":89,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":674,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17870518","_score":16.806364,"_source":{"product":"Checking or savings account","complaint_what_happened":"Unauthorized control of accounts without subpoena or notice Illegal release of funds and halting of trading activity Denial of access to credit/financial services ( de-banking ) Potential violations of XXXX rules XXXX Regulation P, and federal due process laws Requested Actions : XXXX. Immediate acknowledgment of receipt. \nXXXX. Investigation by your Compliance Department or XXXX Escalation Office. \nXXXX. Written response within XXXX hours outlining findings, rationale, and corrective measures. \nXXXX. Confirmation that all future actions will comply with federal law, internal policies, and regulatory obligations.","date_sent_to_company":"2025-12-09T14:07:59.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"919XX","tags":"Servicemember","has_narrative":true,"complaint_id":"17870518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-18T19:09:07.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Unauthorized control of accounts without subpoena or notice Illegal release of funds and halting of trading activity Denial of access to credit/financial services ( de-<em>banking</em> ) Potential violations of XXXX <em>rules</em> XXXX Regulation P, and <em>federal</em> due process laws Requested Actions : XXXX. Immediate acknowledgment of receipt. \nXXXX. Investigation by your <em>Compliance</em> Department or XXXX Escalation Office. \nXXXX."]},"sort":[16.806364,"17870518"]},{"_index":"complaint-public-v1","_id":"18971159","_score":14.449584,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am the victim of a major violation of Regulation XXXX and XXXX Operating Rules involving my mortgage servicer and an external bank. Between XX/XX/XXXX, and XX/XX/XXXX, the external bank processed fraudulent \" Unauthorized '' ( XXXX ) ACH disputes for approximately XXXX mortgage payments dating back to XX/XX/XXXX. These reversals totaled over {$20000.00} and caused my mortgage to go into immediate default. \n\nThis action violates federal banking regulations for three reasons : Violation of the 60-Day Dispute Window : The originating bank allowed the payor to reverse payments made as far back as 18 months ago. Under Regulation E and NACHA rules, a consumer generally has a maximum of 60 days from the statement date to dispute a transaction as unauthorized. Reversing 18 months of payments is a compliance failure. \n\nProof of Authorization ( Phone Logs ) : My mortgage servicer 's own investigation confirmed that these payments were initiated via telephone using the payor 's known personal cell phone number and her mother 's phone number. It is impossible for these payments to be \" unauthorized '' when they were dialed in from the accountholder 's personal device. \n\nTheft of Services : The payor was the sole occupant of the property during the entire period of these payments, as confirmed by a Court Order for Contempt. She utilized the housing services she paid for. These reversals were initiated only days after the payor was evicted and removed from the property title by a court judge, proving this is a retaliatory abuse of the banking dispute system.","date_sent_to_company":"2026-01-23T23:48:15.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"33023","tags":null,"has_narrative":true,"complaint_id":"18971159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2026-01-23T23:31:06.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This action violates <em>federal</em> <em>banking</em> regulations for three reasons : Violation of the 60-Day Dispute Window : The originating bank allowed the payor to reverse payments made as far back as 18 months ago. Under Regulation E and NACHA <em>rules</em>, a consumer generally has a maximum of 60 days from the statement date to dispute a transaction as unauthorized. Reversing 18 months of payments is a <em>compliance</em> failure."]},"sort":[14.449584,"18971159"]},{"_index":"complaint-public-v1","_id":"14639108","_score":14.121791,"_source":{"product":"Checking or savings account","complaint_what_happened":"Navy Federal Credit Union has restricted my access to banking services based on an alleged credit card account I have no knowledge of. This account is not reporting on any of my credit files with XXXX XXXX XXXX XXXX \n\nI was never notified of a delinquency, charge-off, or legal action, yet XXXX XXXX recently informed me that this alleged debt was transferred through multiple third-party firmsfirst to XXXX, XXXX & XXXX XXXX Ohio XXXX and then XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI have not received a single notice, statement, validation letter, or legal document from any party in this chain. Despite multiple attempts to obtain documentation from Navy Federal, they refused to provide anything and instead instructed me to contact the third-party attorney firm directly. That firm has also failed to validate the debt. \n\nThis appears to be an improperly reassigned, time-barred, or unverified account allegedly dating back to XXXX when I briefly lived in XXXX. My current legal residence is in XXXX, and none of these firms have jurisdiction in my state. \n\nThe internal restrictions placed by Navy Federal are now interfering with my ability to operate financially. I am a veteran and small business owner. These actions have harmed my ability to access debit transactions, open accounts, apply for new financial services, and run my business. \n\nI formally dispute the existence and validity of this alleged account. Navy Federal has taken adverse action without due process, without documentation, and in direct violation of federal consumer protections under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and banking compliance rules. This situation must be resolved immediately.","date_sent_to_company":"2025-07-15T03:45:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"14639108","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-07-15T03:22:56.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Navy <em>Federal</em> has taken adverse action without due process, without documentation, and in direct violation of <em>federal</em> consumer protections under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and <em>banking</em> <em>compliance</em> <em>rules</em>. This situation must be resolved immediately."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"]},"sort":[14.121791,"14639108"]},{"_index":"complaint-public-v1","_id":"16743739","_score":13.938251,"_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":["This violates <em>federal</em> <em>banking</em> transparency and record keeping standards under the Bank Secrecy Act and consumer protection <em>rules</em> 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."]},"sort":[13.938251,"16743739"]},{"_index":"complaint-public-v1","_id":"2890439","_score":13.276675,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am making a complaint against Bank of America and XXXX for decisions they have made to ban or limit banking services specifically related to the manufacture, sale, purchase, including financial transaction or account services for the firearms industry, retailers, and consumers. \n\nMy specific complaint against Bank of America is that they intend to stop lending to firearms manufacturers. My complaint against XXXX is that they are essentially creating their own laws according to their XX/XX/2018 blog post : \" Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : ( 1 ) they dont sell firearms to someone who hasnt passed a background check, ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and ( 3 ) they dont sell bump stocks or high-capacity magazines. This policy will apply across the firm, including to small business, commercial and institutional clients, as well as credit card partners, whether co-brand or private label. '' XXXX is additionally discriminating against manufacturers by applying the same invasive rules to lawful and constitutionally protected activity. \n\nFor federally regulated entities to actively suppress lawful activity, constitutionally protected activity, is, in my opinion, a breach of banking regulations and discriminatory. At the very least, it would have the disparate effect of discriminating against white males. No matter what the banks ' intent, the biggest impact would be against a protected class ( race ). But the broader complaint is that banks being regulated, are not allowed to pick and choose customers and industries based on their social agendas, I think that is wrong and specifically against numerous consumer and business protection compliance regulations. They are effectively making law and due to their market size and power, have a restricting and dominating effect on a national level. They are essentially using their massive industry size, to enforce policy equivalent to federal law, replacing the lawmaking prerogative of Congress with the boardroom of for-profit Banking giants.","date_sent_to_company":"2018-04-28T17:17:20.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"974XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2890439","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-04-28T16:35:08.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["They are essentially using their massive industry size, to enforce policy equivalent to <em>federal</em> law, replacing the lawmaking prerogative of Congress with the boardroom of for-profit <em>Banking</em> giants."]},"sort":[13.276675,"2890439"]},{"_index":"complaint-public-v1","_id":"2890440","_score":13.2738495,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am making a complaint against XXXX XXXX XXXXXXXX and Citigroup/Citibank for decisions they have made to ban or limit banking services specifically related to the manufacture, sale, purchase, including financial transaction or account services for the firearms industry, retailers, and consumers. \n\nMy specific complaint against XXXX XXXX XXXX is that they intend to stop lending to firearms manufacturers. My complaint against Citigroup is that they are essentially creating their own laws according to their XX/XX/2018 blog post : \" Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : ( 1 ) they dont sell firearms to someone who hasnt passed a background check, ( 2 ) they restrict the sale of firearms for individuals under XXXX years of age, and ( 3 ) they dont sell bump stocks or high-capacity magazines. This policy will apply across the firm, including to small business, commercial and institutional clients, as well as credit card partners, whether co-brand or private label. '' Citigroup is additionally discriminating against manufacturers by applying the same invasive rules to lawful and constitutionally protected activity. \n\nFor federally regulated entities to actively suppress lawful activity, constitutionally protected activity, is, in my opinion, a breach of banking regulations and discriminatory. At the very least, it would have the disparate effect of discriminating against white males. No matter what the banks ' intent, the biggest impact would be against a protected class ( race ). But the broader complaint is that banks being regulated, are not allowed to pick and choose customers and industries based on their social agendas, I think that is wrong and specifically against numerous consumer and business protection compliance regulations. They are effectively making law and due to their market size and power, have a restricting and dominating effect on a national level. They are essentially using their massive industry size, to enforce policy equivalent to federal law, replacing the lawmaking prerogative of Congress with the boardroom of for-profit Banking giants.","date_sent_to_company":"2018-04-28T17:22:05.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"974XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2890440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-04-28T17:18:08.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["They are essentially using their massive industry size, to enforce policy equivalent to <em>federal</em> law, replacing the lawmaking prerogative of Congress with the boardroom of for-profit <em>Banking</em> giants."]},"sort":[13.2738495,"2890440"]},{"_index":"complaint-public-v1","_id":"3077860","_score":12.973772,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2018 I received a credit monitoring alert from Experian Information Solutions Inc. that a student loan from XXXX XXXX/XXXX  was entered on the credit report as new account numbers in collection. There has been no debt validation or verification, XXXX/XXXX  violated the Fair Debt Collection Practices Act when their collection agents called my phone after asking them to stop. A complaint was filed with the CT Dept of Banking in regard the telephone harassment. \n\nIt is illegal to report old time barred accounts and re-age the date of fist delinquency on disputed accounts. Experian has violated the 1681 of the FCRA, and provisions of the FDCPA by failing to follow reasonable procedures in cases of disputed accuracy, including engaging in unfair deceptive credit reporting and debt collection practices with XXXX XXXX a division of XXXX. \n\nIt is illegal to design compile and report credit information from disputed accounts in an attempt to re-age or change or alter account related history, including payments or other data not reflected in the account history. Experian is harassing and staking consumer. Consumer will contact the Sheriffs office and serve Experian a writ. If this consumer complaint is not resolved in full satisfaction of FCRA compliance standards set forth by the consumer credit industry. Consumer will file in state of federal court for willful violations of the FCRA and FDCPA in full force permitted by state and federal consumer protection laws including attorneys fees. \n\n\nXXXX/XXXX XXXX a division of XXXX can not collect on this student loan because it exceeded the terms and conditions on the original contract agreement. There is neither an assignment clause that permits any other \" servicer '' or collection agency to collect on behalf of private student loan lenders. Private student loans have specific guidelines to follow and are subject to CFPB rules and specific federal laws pertaining to collection and credit reporting ( FCRA ) compliance procedures.","date_sent_to_company":"2018-11-19T07:34:50.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Private student loan debt","zip_code":"06606","tags":null,"has_narrative":true,"complaint_id":"3077860","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-11-19T07:08:47.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Private student loans have specific guidelines to follow and are subject to CFPB <em>rules</em> and specific <em>federal</em> laws pertaining to collection and credit reporting ( FCRA ) <em>compliance</em> procedures."]},"sort":[12.973772,"3077860"]},{"_index":"complaint-public-v1","_id":"8225662","_score":12.967616,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Urgent Inquiry Regarding Credit Denial and Regulatory Compliance Opportunity to cure Dear American Express, I applied with my social and got denied regardless of my credit being denied. I believe there are aspects of this denial that raise questions regarding compliance with regulations set forth by the SEC, OCC, and FDIC. \n\nIn reviewing American Express prospects dated XXXX XXXX XXXX I came across information in your own filing that emphasizes the extensive regulation and supervision under federal and state law. The disclosure highlights the broad enforcement powers held by banking regulatory authorities, including the FDIC, OCC, and CFPB, over American Express National Bank ( AENB ). \n\nSpecifically, the filing states that federal bank regulatory authorities have the power to order the bank or its affiliates to rescind agreements, refuse to perform obligations, terminate activities, or take other actions if they find any unsafe or unsound practices or violations of laws, rules, regulations, or agreements. \n\nWhile I understand the necessity of regulatory oversight, it is crucial to ensure that such regulatory actions are applied fairly and justly. In light of the denial of my credit application, I am seeking clarification on how the decision aligns with the regulatory framework and whether any concerns raised by regulatory authorities influenced this outcome. \n\nFurthermore, I want to draw attention to the prospect 's statement that regulatory action could result in delays or reductions in payments to certificate holders. This raises additional questions about the potential impact on individual credit decisions. \n\nI am eager to resolve this matter amicably and seek your assistance in providing a detailed explanation of the factors contributing to the credit denial, ensuring alignment with regulatory requirements. Your prompt attention to this inquiry is appreciated. \n\nThank you for your cooperation and understanding. \n\nSincerely, XXXX XXXX, agent","date_sent_to_company":"2024-01-25T23:31:11.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"10457","tags":null,"has_narrative":true,"complaint_id":"8225662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-01-25T23:22:26.000Z","state":"NY","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["In reviewing American Express prospects dated XXXX XXXX XXXX I came across information in your own filing that emphasizes the extensive regulation and supervision under <em>federal</em> and state law. The disclosure highlights the broad enforcement powers held by <em>banking</em> regulatory authorities, including the FDIC, OCC, and CFPB, over American Express National Bank ( AENB )."]},"sort":[12.967616,"8225662"]},{"_index":"complaint-public-v1","_id":"17218397","_score":12.866901,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Dave Banking ( through XXXX XXXX XXXX XXXX  ) for placing an improper XXXX hold on a posted merchant refund, refusing to provide any legal basis for the hold, and refusing to provide written documentation as required under federal regulations. \n\nI paid a {$950.00} deposit to XXXX XXXX XXXX XXXX years ago. I cancelled my reservation on XX/XX/year>. XXXX processed the refund on XX/XX/year>, and it posted to my Dave account on XX/XX/year>. Immediately upon posting, Dave placed a hold for clearing on the refund as if it were a deposited check. This caused my available balance to decrease by another {$950.00}, making the refund inaccessible. \n\nThis is not a pending transaction, a dispute, or a check deposit. It is a merchant refund, and holding a posted refund for 16 days is not permitted under Regulation E or the Expedited Funds Availability Act ( EFAA ).\n\nI contacted Dave multiple times, including speaking with a supervisor on XX/XX/year>. The company was unable or unwilling to provide : Any written notice or explanation for the delay The legal or regulatory basis for the hold A valid reason why a posted refund is being held like a deposit Escalation to compliance or risk Confirmation that their process complies with federal funds-availability rules The supervisor stated that : He can not provide anything in writing He can not provide the legal reason for the hold Dave has no compliance department I must wait for internal review, which may take another 5 days This contradicts federal law. Banks can not delay access to a posted refund without written notice explaining the reason, and internal review is not a permitted justification under federal regulations.\n\nThis prolonged hold has created significant financial hardship. I am a single mother with a four-year-old child, and these funds were needed urgently. \n\nI have documentation of the refund, the posted transaction, and the cancellation confirmation and can provide these upon request.","date_sent_to_company":"2025-11-13T23:37:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85204","tags":null,"has_narrative":true,"complaint_id":"17218397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Dave Operating, LLC","date_received":"2025-11-13T22:49:33.000Z","state":"AZ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The company was unable or unwilling to provide : Any written notice or explanation for the delay The legal or regulatory basis for the hold A valid reason why a posted refund is being held like a deposit Escalation to <em>compliance</em> or risk Confirmation that their process complies with <em>federal</em> funds-availability <em>rules</em> The supervisor stated that : He can not provide anything in writing He can not provide the legal reason for the hold Dave has no <em>compliance</em> department I must wait for internal review, which"]},"sort":[12.866901,"17218397"]},{"_index":"complaint-public-v1","_id":"18417236","_score":12.8577,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint KeyBank Reversed Provisional Credit Without Evidence I am filing a complaint against KeyBank for improper denial of a fraud dispute and reversal of provisional credit in violation of Regulation E. \n\nKeyBank issued provisional credit of {$2000.00} while investigating unauthorized ATM withdrawals and debit card transactions. In a subsequent letter, KeyBank denied the claim and stated that no error occurred due to conflicting information from a review of my card information and recent banking activity. \n\nKeyBank did not identify what information conflicted, did not provide evidence of authorization, and did not explain how PIN compromise or fraud was ruled out. The denial relies on vague conclusions rather than documented proof. \n\nUnder Regulation E ( 12 CFR 1005.11 ), a financial institution must conduct a reasonable investigation and provide an evidence-based explanation when denying a fraud claim. XXXX on generalized transaction history or conflicting information does not meet this standard. \n\nI did not authorize the disputed transactions, did not share my card or PIN, and reported the fraud promptly. KeyBanks actions have caused financial hardship and raise concerns about compliance with federal consumer protection law.","date_sent_to_company":"2026-01-02T10:12:24.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"984XX","tags":"Servicemember","has_narrative":true,"complaint_id":"18417236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2026-01-02T10:04:13.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["KeyBanks actions have caused financial hardship and raise concerns about <em>compliance</em> with <em>federal</em> consumer protection law."]},"sort":[12.8577,"18417236"]},{"_index":"complaint-public-v1","_id":"16797250","_score":12.78651,"_source":{"product":"Checking or savings account","complaint_what_happened":"On the morning of XX/XX/XXXX, I contacted The XXXX XXXX XXXX , the issuer of my draft, and was informed that the reason my deposit was returned was due to an improper endorsement. I had been calling and using BOAs live chat for several days before this, but no one at Bank of America ever informed me that the item was returned for endorsement error. If I had been told earlier, I could have corrected the endorsement and re-deposited it earlier in the week. \n\nWhen I visited the branch, the manager confirmed he could not assist me and stated that BOA does not follow Regulation CC {$220.00} availability anymore. This is inconsistent with federal banking law. My receipt from the teller originally stated that funds would be released on XX/XX/XXXX, but when I checked my account later, the date was changed to XX/XX/XXXX without explanation. Since the draft has been verified by the issuing bank, there should not have been a further delay in availability. \n\nThis situation has caused unnecessary hardship due to lack of communication, failure to provide accurate regulatory information, and alteration of the release date after the deposit was accepted. \n\nRequested Action : I request that the CFPB review Bank of Americas compliance with Regulation CC and its internal communication procedures, ensure my funds are released per federal timelines, and require BOA to provide a written explanation for altering the release date and refusing to honor the {$220.00} next-day availability rule.","date_sent_to_company":"2025-10-24T21:50:24.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"93702","tags":null,"has_narrative":true,"complaint_id":"16797250","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-10-24T21:23:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Requested Action : I request that the CFPB review Bank of Americas <em>compliance</em> with Regulation CC and its internal communication procedures, ensure my funds are released per <em>federal</em> timelines, and require BOA to provide a written explanation for altering the release date and refusing to honor the {$220.00} next-day availability <em>rule</em>."]},"sort":[12.78651,"16797250"]},{"_index":"complaint-public-v1","_id":"6011996","_score":12.56734,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The Merchant XXXX XXXX XXXX XXXX XXXX  1 ) Advertised and contractually wrote \" Guaranteed Lowest Price After the Sale '' but has refused to Honor the contractually agreed upon terms. \n2 ) \" XXXX XXXX XXXX '' incorrectly & illegally charged double ( me and the manufacturer ) for the same product and sat on the money for several months committing bank fraud, and a Ponzi Scheme profiting from duplicate payments for the same products and forcing the Consumer to give this business an interest free loan. In effect Cooking their books. \n3 ) The Card Issuer Synchrony Bank Mishandled the Dispute process multiple times. Federal and State Banking regulations REQUIRE that if the Merchant fails to respond and properly address the consumer dispute within 60-days, the providing Bank MUST render a decision in the consumer 's favor and fully credit the dispute. Synchrony Bank failed to comply with these reg 's and laws multiple times. \n4 ) The Merchant XXXX XXXX XXXX XXXX XXXX  responded to totally irrelevant and off-point matter ignoring the basis and facts of my dispute and offered only irrelevant responses which mad them and Synchrony Bank XXXX Out-of-Compliance '' with the 60-Day Response requirement rule. \n5 ) Synchrony was there fore required to return a decision in the consumer 's favor and credit the dispute as filed. They failed multiple times.","date_sent_to_company":"2022-09-23T19:45:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"015XX","tags":"Older American","has_narrative":true,"complaint_id":"6011996","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-09-23T19:25:17.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>Federal</em> and State <em>Banking</em> regulations REQUIRE that if the Merchant fails to respond and properly address the consumer dispute within 60-days, the providing Bank MUST render a decision in the consumer 's favor and fully credit the dispute."]},"sort":[12.56734,"6011996"]},{"_index":"complaint-public-v1","_id":"15229051","_score":12.441757,"_source":{"product":"Credit card","complaint_what_happened":"I am disputing the accuracy of a HSBC Bank USA credit card account ending in XXXX  that is currently being reported on my XXXX  credit file. \n\nI have obtained a copy of the original account application from HSBC. Upon review, the application shows serious compliance deficiencies : No U.S. Social Security Number or Individual Taxpayer Identification Number was provided. \nNo U.S. residential address was provided only a XXXX XXXX address appears for both home and mailing purposes. \nNo U.S. visa details or proof of lawful U.S. immigration status were recorded. \nThe applicant is listed as a XXXX XXXX  residing in the XXXX XXXX. \nThe application file consists of three pages, with the final two pages left entirely blank, containing no data, no supporting information, and no signatures & indicating that mandatory verification and due diligence steps were never completed. \n\nThis account was originated without meeting the legal requirements under the USA PATRIOT Act, Section 326 ( Customer Identification Program ), the Bank Secrecy Act, and HSBCs own internal eligibility rules. These regulations require HSBC to verify and retain documentation of a U.S. Tax Identification Number, a valid U.S. residential address, and proof of legal immigration status before issuing a U.S.-based credit card.\n\nBy approving and issuing this account without fulfilling those obligations, HSBC originated an account that does not meet U.S. banking compliance standards. Furnishing such an account to XXXX  constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ) 623. \n\nI have disputed this with XXXX and provided the application as evidence. The tradeline remains, and HSBC has refused to provide any further account-opening documentation or to explain how the account met federal compliance requirements at the time of approval.","date_sent_to_company":"2025-08-12T21:11:33.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"92056","tags":null,"has_narrative":true,"complaint_id":"15229051","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2025-08-12T20:43:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["The tradeline remains, and HSBC has refused to provide any further account-opening documentation or to explain how the account met <em>federal</em> <em>compliance</em> requirements at the time of approval."]},"sort":[12.441757,"15229051"]},{"_index":"complaint-public-v1","_id":"15507825","_score":12.244649,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"TO : CONSUMER FINANCIAL PROTECTION BUREAU SUBJECT : Improper Restriction and Closure of Account ; Holding ACH CCD Deposit Funds Without Justification CFPB ; I am submitting this complaint regarding the improper restriction and subsequent closure of my personal account by JP Morgan Chase Bank, NA following receipt of an ACH CCD deposit. The deposit was made by an unspecified originator through XXXX XXXX XXXX and intended for my wife. It was correctly routed to my account number, but the name erroneously associated with the entry was that of an unrelated and unknown business entity. Unfortunately, I had also used that name occasionally off record in my contracting business which was closed in XXXX because of Covid 19. This created more confusion as JP Morgan Chase Bank, NA requested me to provide a verified business phone number in order for them to release my funds. I initially tried to reestablish that business name as a business until realizing that this was not a proper resolution after the fact and in reality JP Morgan Chase Bank, NA had no right asking me to restart that business in order to clear their mistake. According to XXXX rules deposits are ruled by account number and the point is moot after the ODFI didnt dispute the deposit or ask for a return to be initiated and JP Morgan Chase Bank XXXX NA didnt file any NOC or even raise any issue until after the time limits for them to do so were expired. \nDespite the deposit being successfully posted and settled and the funds initially being made available for use, JP Morgan Chase NA restricted access to the funds outside of XXXX XXXX CCD rules and time constraints without prior notice or written justification. Ten days after the deposit JPMorgan Chase closed my account entirely. Over 30 days have passed since the initial restriction, and I have received no correspondence, explanation, or documentation regarding the basis for these actions. \nTIMELINE OF EVENTS : XX/XX/XXXX : ACH CCD deposit posted to my account XX/XX/XXXX : JP MORGAN CHASE BANK, NA restricted access to the funds XX/XX/XXXX : JP MORGAN CHASE BANK, NA closed the account without notice or justification XX/XX/XXXX to Present : No communication or documentation provided by XXXX REGULATORY CONCERNS : Violation of XXXX Rules : XXXX are obligated to post XXXX credits based on account number. JP MORGAN CHASE BANK, NA failed to return the entry within the prescribed two-day window and did not file a Notification of Change ( NOC ). No return was requested by the XXXX or the originator of the deposit. \nImproper Account Closure : Closing a consumer account without notice or justificationespecially while holding fundsmay violate consumer protection laws and banking transparency standards Failure to Provide Due Process : I was not given an opportunity to respond, nor provided with any written explanation or dispute resolution pathway Potential Violations of Regulation E and UCC : These actions may contravene federal protections regarding access to deposited funds and fair treatment of account holders REQUESTED RESOLUTION : 1. Immediate release or return of the restricted funds, with full accounting of their disposition 2. Written explanation from the RDFI citing the legal and procedural basis for the account closure and fund restriction and compliance with XXXX rules 3. Review of JP Morgan Chase Bank XXXX NAs internal procedures for ACH handling, account closure, and consumer notification 4. Remediation for any financial harm, stress, or reputational damage caused by these actions SUPPORTING DOCUMENTATION : I am prepared to provide bank statements, a timeline of events, and any correspondence ( or lack thereof ) from JP MORGAN CHASE BANK, NA. \nThank you for your attention to this matter. I seek resolution and relief in accordance with federal banking regulations and consumer protection standards. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-24T19:32:17.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"92543","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"15507825","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-24T18:53:57.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I seek resolution and relief in accordance with <em>federal</em> <em>banking</em> regulations and consumer protection standards. \nSincerely, XXXX XXXX"]},"sort":[12.244649,"15507825"]},{"_index":"complaint-public-v1","_id":"15478614","_score":12.214466,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Company : Wells Fargo Bank , N.A . \nType of Issue : Banking / Wire Transfers/ Access to Funds Summary of Complaint : Date of Incident : XX/XX/year> Transaction Attempt : Urgent wire/XXXX  transfer of personal funds ( amount not processed ). \n\nAmount Attempted : {$300.00} US DOLLARS Details : On XX/XX/year>, I urgently attempted to send money from my Wells Fargo account using XXXX and a domestic wire transfer. Both methods were denied by the bank despite sufficient funds being available. \n\nWhen I contacted Wells Fargo customer service, I spoke with a representative who identified himself only as XXXX. He refused to provide his last name, citing safety, and gave me only a reference number : XXXX. \n\nI requested written confirmation of the banks rules or internal policy regarding this restriction, but the representative stated that Wells Fargo does not send emails to clients and refused to provide any documentation. As a result, I was left without the ability to access my own funds during an emergency situation. \n\nActions Taken by the Company : Denied transfer through XXXX. \n\nDenied transfer through wire. \n\nInstructed that I must appear in person at a branch to complete the transfer. \n\nRefused to provide written confirmation or explanation of the policy. \n\nWhy This Is a Problem : I was denied access to my own funds in a legitimate emergency. \n\nThe bank failed to provide any written explanation or cite any legal basis for withholding the transaction. \n\nWells Fargos refusal to document their decision prevents me from verifying compliance with federal banking regulations. \n\nRequested Resolution : A written explanation from Wells Fargo regarding why the XXXX and wire transactions were denied. \n\nIdentification of the specific policy, regulation, or legal authority that justifies restricting my access to my funds. \n\nAssurance that in the future I will be able to send funds electronically without being wrongfully denied. \n\nAny appropriate corrective action or penalties if the banks conduct violated banking regulations.","date_sent_to_company":"2025-08-23T15:58:42.000Z","issue":"Money was not available when promised","sub_product":"Domestic (US) money transfer","zip_code":"91915","tags":null,"has_narrative":true,"complaint_id":"15478614","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-08-23T15:38:07.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Wells Fargos refusal to document their decision prevents me from verifying <em>compliance</em> with <em>federal</em> <em>banking</em> regulations. \n\nRequested Resolution : A written explanation from Wells Fargo regarding why the XXXX and wire transactions were denied. \n\nIdentification of the specific policy, regulation, or legal authority that justifies restricting my access to my funds. \n\nAssurance that in the future I will be able to send funds electronically without being wrongfully denied."]},"sort":[12.214466,"15478614"]},{"_index":"complaint-public-v1","_id":"13922014","_score":11.963022,"_source":{"product":"Prepaid card","complaint_what_happened":"Update for CFPB Complaint Mishandled Fraud Dispute & Account Restriction Case : XXXX Dear CFPB Investigator, I am submitting this update regarding my complaint against Revolut Technologies Inc. , the provider of my business account registered under XXXX XXXX XXXX Wyoming ) XXXX for mishandling a fraud case, issuing a false denial, and restricting access to my account without basis. \n\nNew Developments : 1. Revolut issued a final denial of my fraud dispute on XX/XX/year>2025, claiming the card was a single-use virtual card. This is provably false : The card was used for multiple charges before I terminated it myself for security reasons. \nRevoluts own account executive confirmed in writing that no such single-use debit card type exists for business accounts.\n\n2. I have submitted the full denial email, chat evidence, card history, and transaction records to the FDIC, which is now reviewing the case under Case # : XXXX. \n3. I have also submitted a formal complaint to the OCC.\n\n4. Revolut failed to provide provisional credit within 10 business days of my fraud report ( XX/XX/scrub>, 2025 ), in clear violation of Regulation E 12 CFR 1005.11 ( c ). \n5. My business account was restricted without explanation on XX/XX/scrub> 2025, shortly after my complaints were filed. I believe this may constitute retaliation or an unfair business practice, especially as no compliance concern has been disclosed to me.\n\n6. Most importantly : Revolut continues to rely solely on internal rules and XXXX process language, while ignoring their obligations under XXXX federal law and FDIC rules. This is clearly stated in their complaint response. Their internal procedures do not override federal consumer protections and this is why intervention is necessary.\n\nRequest : Immediate enforcement of my right to a refund of {$9800.00}, which Revolut wrongly denied based on false reasoning.\n\nA full explanation and resolution of the account restriction, or immediate release of my business funds.\n\nI have now filed with FDIC, OCC, CFPB, and IC3, and submitted all supporting documentation. I respectfully request the CFPB coordinate with the FDIC to ensure XXXX XXXX  and Revolut comply with federal banking regulations. \n\nSincerely, XXXX XXXX XXXX Representative, XXXX XXXX","date_sent_to_company":"2025-06-05T15:04:58.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"13922014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Revolut Technologies Inc.","date_received":"2025-06-05T14:49:33.000Z","state":null,"company_public_response":null,"sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["I believe this may constitute retaliation or an unfair business practice, especially as no <em>compliance</em> concern has been disclosed to me.\n\n6. Most importantly : Revolut continues to rely solely on internal <em>rules</em> and XXXX process language, while ignoring their obligations under XXXX <em>federal</em> law and FDIC <em>rules</em>. This is clearly stated in their complaint response. Their internal procedures do not override <em>federal</em> consumer protections and this is why intervention is necessary."]},"sort":[11.963022,"13922014"]},{"_index":"complaint-public-v1","_id":"11095145","_score":11.962144,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Sec. 401 The sixth paragraph of section 18 of the Federal Reserve Act is amended to read as follows \" Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, bills of exchange or bankers'_acceptances acquired under the provisions of this act. any Federal Reserve bank making such deposit in the manner prescribed by the Secretary of the Treasury shallXXXXbe entitled to receive from the Comptroller of the Currency circulating notes in blank, duly registered and countersigned. \n\nWhen such notes are issued against the security of obligations of the United States the amount of such circulating notes shall be equal to the face value of the direct obligations of the United States so deposited as security : and, when issued against the security of any notes, drafts, bills of exchange, and bankers acceptances_acquired under the provisions of this act, the amount thereof shall be equal to not more than XXXX percent of the esti- mated value of such notes, drafts, bills of exchange, and bankers acceptances so deposited as security. Such_notes shall be the obli- gations of the Federal Reserve bank procuring the same, shall be in form prescribed by_ the Secretary of the Treasury, shall be re-ceivable at par in all parts of the United States for the same purposes as are national-bank notes, and shall be redeemable in lawful money of the United States on presentation at the United States Treasury or at the bank of issue. The secretary of the Treasury is authorized and empowered to prescribe regulations governing the issuance, redemption, replacement, retirement, and destruction of such circulating notes and the release and substi- tution of security therefor. Such circulating notes shall be sub- ject to the same tax as is provided by law for the circulating notes of national banks secured by XXXX percent bonds of the United States XXXX No such circulating notes shall be issued under this para graph after the President has declared by proclamation that the emergency recognized by the President by proclamation of XX/XX/XXXX, has terminated, unless such. circulating notes are secured by deposits of bonds of the United states bearing the circulation privilege. When required to do so by the Secretary of the Treas-ury. each Federal Reserve agent shall act as agent of the Treas- urer of the United States or of the Comptroller of the Currency or both, for the performance of any of the functions which the Treasurer or the Comptroller may be called upon to perform in carryng out the provisions of this paragraph. \n\nProclamation XXXX Declaring XXXX  XXXX ( XX/XX/XXXX ) By the President of the United States of America A Proclamation Whereas it is provided in Section XXXX ( b ) of the Act of XX/XX/XXXX ( XXXX XXXX XXXX XXXX ), as amended, \" That the President may investigate, regulate, or prohibit, under such rules and regulations as he may prescribe, by means of licenses or otherwise, any transactions in foreign exchange and the export hoarding, melting, or earmarkings of gold or silver coin or bullion or currency and whereas it is provided in Section 16 of the said Act \" That whoever shall willfully violate any of the provisions of this Act or of any license, rule, or regulation issued thereunder and whoever shall willfully violate, neglect, or refuse to comply with any order of the President issued in compliance with the provisions of this Act. shall, upon conviction, be fined not more than {$10000.00} or, if a natural person, imprisoned for not more than ten years, or both I am looking for information as to how that section of the act is applied at present day for banking institutions as defined and ordered by the President of the United States \" During such holiday, the Secretary of the Treasury, with the approval of the President and under such regulations as he may prescribe is authorized and empowered ( a ) to permit any or all of such banking institutions to perform any or all of the usual banking functions, ( b ) to direct, require or permit the issuance of clearing house certificates or other evidences of claims against assets of banking institutions, and ( c ) to authorize and direct the creation in such banking institutions of special trust accounts for the receipt of new deposits which shall be subject to withdrawal on demand without any restriction or limitation and shall be kept separately in cash or on deposit in Federal invested in obligations of the United States.\n\nReserve Banks or As used in this order the term \" banking institutions '' shall include all Federal Re-serve Banks national banking associatons, banks, building and loan associations, credit unions, or other corporations, partnerships. as- trust companies, savings banks, sociations or persons, engaged in the business of receiving deposits, making loans discounting business paper, or transacting any other form of banking business my request Was specific to the XX/XX/XXXX amendment to the Federal Reserve act section 401 sub section 18 paragraph 6 in its application to banking institution as defined by Presidential XXXX XXXX which is referenced within the framework of that paragraph : Since the ongoing emergency has continued to the present day, individuals were classified \" banking institutions i do not have a direct legal to the policies and guidelines respecting \" Banking institutions '' ( Please note that this reference is not to be construed as reference to financial institution but rather a \" banking institution '' as defined by the presidential order ) My request is specific with respect to the depositing of notes, drafts, bills of exchange, bankers Acceptances and/or other government obligations, By depositors, the regulations in conjunction with the_ aforementioned amendment to the Federal Reserve act of XX/XX/XXXX. No Portion of of my original request, is to be construed as referencing circulating notes and or any code which congress never enacted.. The \" national emergency economic banking relief act otherwise known as the XX/XX/XXXX act. Is the official evidence of what the law is. I will attache the congressional record, the act of Congress referencing the Federal Reserve amendment and the XX/XX/XXXX act itself, which shall not be construed as referencing any other code, and or link on your website. \n\n, you have the knowledge, and you are the custodian of those records as prescribed by the act. \n. \n\n\nSince you have identified the act as still extant, then you recognize the obligations of the Federal Reserve, Federal Reserve agents, Federal Reserve banks, and or other financial institutions respecting the act and its application? So with respect to the receipt of promissory notes which are identified within the act itself as securities, where are the records documenting the deposits associated with such securities, as identified in the act? Financial institutions re-ceive notes, drafts, bills of exchange, bankers Acceptances, on a regular basis, how come these financial institutions Are not being held accountable for notifying the depositor of the receipt of compensation through the Comptroller of the currency or the provisions of the act as specified? Why have complaints regarding financial institutions failing to document the security deposit of the original note and/or bill of exchange, et al. And any compensation associated thereto via any source? why is it that your agencies and/or sub- agents fail to document the security, promissory notes, drafts, bills of exchange, bankers acceptances, and/or govern obligations and their value? ( The act specifies value for such securities. either at 90 % a or at par ), And why does the accounting ledgers and the taxes associated with such securities not reflect accurately? \nDo you not have a duty and/or an obligation to report sucn illegalities? Why have you not done so? If you have done so, where are these records kept and how do gain access to such whistleblowing reports? And, why is it that your financial institutions are refusing to obey ucc article 9 section 210 which requires an authenticated accounting, which means that it has to be signed by a declaration under oath, and yet to the present day they have refused to supply in violation Of commercial law. \n\n\nI hope this was little bit more specific, especially since your website doesn't speak as to being as specific as possible and even if it did, please understand that you were to construe all Of my communications contextually and not otherwise. I did not give you permission to determine what I was asking, I only simply asked questions and you didn't answer my questions as asked.\n\nthe Presidential proclamation specifies a difference between a financial institution which is regulated and under your jurisdiction and a banking institution which is part of the new Deal compromise...\n\nPlease respond in a timely manner, thank you for your time.\n\nXXXX  all rights Reserved, ucc 1-308","date_sent_to_company":"2024-12-12T12:35:48.000Z","issue":"Confusing or missing disclosures","sub_product":"International money transfer","zip_code":"131XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11095145","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"COMMUNITY FINANCIAL SYSTEM, INC.","date_received":"2024-11-26T21:30:42.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Reserve Banks or As used in this order the term \" <em>banking</em> institutions '' shall include all <em>Federal</em> Re-serve Banks national <em>banking</em> associatons, banks, building and loan associations, credit unions, or other corporations, partnerships. as- trust companies, savings banks, sociations or persons, engaged in the business of receiving deposits, making loans discounting business paper, or transacting any other form of <em>banking</em> business my request Was specific to the XX/XX/XXXX amendment to the <em>Federal</em> Reserve"]},"sort":[11.962144,"11095145"]},{"_index":"complaint-public-v1","_id":"3181475","_score":11.648901,"_source":{"product":"Checking or savings account","complaint_what_happened":"Please notify the bank it is violatingThe Gramm-Leach-Bliley Act ( GLB Act or GLBA ) is also known as the Financial Modernization Act of 1999 repeatedly It is a United States federal law that requires financial institutions to explain how they share and protect their customers ' private information. To be GLBA compliant, financial institutions must communicate to their customers how they share the customers ' sensitive data, inform customers of their right to opt-out if they prefer that their personal data not be shared with third parties, and apply specific protections to customers ' private data in accordance with a written information security plan created by the institution. \n\nThis bank is giving my information of to a third-party named XXXX XXXX and Im being harassed and by XXXX and XXXX XXXX who have no business contacting my work phone, or personal email. Please notify this bank they are not authorized to share my information with any other parties and owe me a contractural obligation and duty which is being breached. \n\nThis stems from me receiving a payment from a major music distributor and attempting to buy a chain and pendant for my XXXX birthday which the seller was scamming me on the gold and diamonds etc. After filing a dispute I attempted to retrieve my cash from my account when the seller promised a refund after almost waiting 2 weeks. \n\nThis has now prompted the bank to send XXXX XXXX which upon a XXXX review look like a endangerment to my life to say they are dealing with me for the bank. This third-party company is not a bank and should not have my information nor contact me as this is unlawful. If I were on the property of the bank causing issues then this would be expected but in the comfort of my own home after work hours aXXXX XXXX XXXX XXXX XXXX  receiving phone calls and emails at XXXX is a violation of my rights, as a consumer this is not ok for any business especially a bank to do this. \n\nThe primary data protection implications of the GLBA are outlined its Safeguards Rule, with additional privacy and security requirements issued by the FTC 's Privacy of Consumer Financial Information Rule ( Privacy Rule ), created under the GLBA to drive implementation of GLBA requirements. The GLBA is enforced by the FTC, the federal banking agencies, and other federal regulatory authorities, as well as state insurance oversight agencies.\n\nCustomers must be notified of private information sharing between financial institutions and third parties and have the ability to opt out of private information sharing. Private information must be secured against unauthorized access. User activity must be tracked, including any attempts to access\nprotected records.\n\nThe GLBA requires that financial institutions act to ensure the confidentiality and security of customers ' \" nonpublic personal information, '' or NPI. Nonpublic personal information includes Social Security numbers, credit and income histories, credit and bank card account numbers, phone numbers, addresses, names, and any other personal customer information received by a financial institution that is not public. The Safeguards Rule states that financial institutions must create a written information security plan describing the program to protect their customers ' information. The information security plan must be tailored specifically to the institution 's size, operations, and complexity, as well as the sensitivity of the customers ' information. \n\nIn order to achieve GLBA compliance, the Safeguards Rule requires that financial institutions pay special attention to employee management and training, information systems, and security management in their information security plans and implementation. \n\nOnce a GLBA non-compliance allegation is proven, the punishment can have business-altering, and even life-altering, ramifications. \n\nSection 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits \" unfair or deceptive acts or practices in or affecting commerce. '' This prohibition applies to all persons engaged in commerce, including banks.\n\nFinancial institutions found in violation face fines of {$100000.00} for each violation. Individuals in charge found in violation face fines of {$10000.00} for each violation. Individuals found in violation can be put in prison for up to 5 years. \n\nDeceptive Practices An act or practice is deceptive where a representation, omission, or practice misleads or is likely to mislead the consumer ; a consumer 's interpretation of the representation, omission, or practice is considered reasonable under the circumstances ; and the misleading representation, omission, or practice is material. \n\nUnfair Practices An act or practice is unfair where it causes or is likely to cause substantial injury to consumers ; can not be reasonably avoided by consumers ; and is not outweighed by countervailing benefits to consumers or to competition. \nPublic policy, as established by statute, regulation, or judicial decisions may be considered with all other evidence in determining whether an act or practice is unfair.\n\nFurthermore, the prohibition against UDAP not only applies to all products and services offered by banks, but to every stage and activity, from product development to the creation and rollout of marketing campaigns, and to servicing and collections. \nTherefore, particular focus should be paid to new or modified systems or products and third-party arrangements.","date_sent_to_company":"2019-03-15T23:29:43.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"64030","tags":null,"has_narrative":true,"complaint_id":"3181475","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST NATIONAL BANK OF OMAHA","date_received":"2019-03-15T23:27:04.000Z","state":"MO","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":["The primary data protection implications of the GLBA are outlined its Safeguards <em>Rule</em>, with additional privacy and security requirements issued by the FTC 's Privacy of Consumer Financial Information <em>Rule</em> ( Privacy <em>Rule</em> ), created under the GLBA to drive implementation of GLBA requirements. The GLBA is enforced by the FTC, the <em>federal</em> <em>banking</em> agencies, and other <em>federal</em> regulatory authorities, as well as state insurance oversight agencies."]},"sort":[11.648901,"3181475"]},{"_index":"complaint-public-v1","_id":"6154117","_score":11.602528,"_source":{"product":"Student loan","complaint_what_happened":"A response from the FDIC About the presentment. \n\n\nRe : Nelnet Bank Dear XXXX XXXX : Thank you for your correspondence. We have completed our review of your concerns involving Nelnet Bank XXXX Bank ). You indicated that you were a student at XXXX XXXX where the XXXX identified evidence of widespread fraud involving the use of illegal and deceptive tactics to persuade students to borrower money. You noted that there was no contract or signature in place for the debt and, as a result, you wanted your debt discharged and it cleared from your credit report. \n\nWe reviewed your correspondence, the Bank 's response, and the applicable federal consumer protection laws enforced by the FDIC. The FDIC is the primary federal banking regulator for this bank. \n\nIn a letter to our office dated XX/XX/2022, the Bank stated that it searched its records and confirmed that you are not a Nelnet Bank customer. However, on your behalf, the Bank forwarded your complaint to its parent company, Nelnet , Inc., who will be responsible for researching and responding to your complaint. Nelnet , Inc., is federally regulated by the Consumer Financial Protection Bureau ( CFPB ). If you have additional concerns after receiving the response from Nelnet , Inc., please contact the CFPB ( XXXX ) XXXX, or online at consumerfinance.gov/complaint/. \n\nWe seek to assist you by facilitating communication, by reviewing a bank 's compliance with applicable laws and by providing you with information on your rights under federal consumer protection laws. \n\nIn order to protect potentially sensitive consumer, account, and examination-related information, we do not share specific details of our review. Complaint investigations are generally covered under Part 309 ( Disclosure of Information ) of the FDIC Rules and Regulations, which prohibits the disclosure of examination-related information outside the FDIC, including bank-provided supporting documents.\n\nPlease know reviews of correspondence such as yours are a vital component of the FDICs bank supervisory process, and we take great care into thoroughly reviewing concerns regarding the products and services offered by FDIC-supervised banks. In addition to individually reviewing complaints for regulatory compliance, this office shares correspondence with FDIC examination staff for review prior to our next regularly scheduled examination of the Bank. This helps the FDIC tailor its examinations to focus on areas of concern, as well as assists us in providing feedback to banks on practices and policies. \n\nIf you have any questions about this matter, please dont hesitate to contact the FDIC 's XXXX XXXX XXXX XXXX XXXX ( XXXX ), and press option 2. You can also review the FDICs Consumer News for additional information and resources about common banking questions and topics at https : //www.fdic.gov/resources/consumers/consumer-news/index.html. \n\nThank you for taking the time to share your concerns with the FDIC. If you are a registered user of the FDIC 's Information and Support Center portal, a copy of this response has also been made available to you through your portal account. \n\nSincerely, Consumer Response XXXX XXXX XXXX for Consumer and Depositor Assistance cc : Nelnet Bank XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-11-01T04:26:32.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"48219","tags":null,"has_narrative":true,"complaint_id":"6154117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2022-11-01T04:21:11.000Z","state":"MI","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["We reviewed your correspondence, the Bank 's response, and the applicable <em>federal</em> consumer protection laws enforced by the FDIC. The FDIC is the primary <em>federal</em> <em>banking</em> regulator for this bank. \n\nIn a letter to our office dated XX/XX/2022, the Bank stated that it searched its records and confirmed that you are not a Nelnet Bank customer."],"sub_product":["<em>Federal</em> student loan servicing"]},"sort":[11.602528,"6154117"]},{"_index":"complaint-public-v1","_id":"20015168","_score":11.563726,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"FORMAL DEMAND FOR RETURN OF ERRONEOUS ACH PAYMENT REFERENCE ( ACH TRANSFER ) : Amount : {$640.00} | Date : XX/XX/scrub>XXXX XXXX XXXX  | ACH Trace No. : XXXX To the Legal and Compliance Department of Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or Company ) hereby makes formal demand for the immediate return of an erroneous ACH payment that was inadvertently transmitted to an incorrect account number held at Navy Federal Credit Union ( NFCU ). NFCU and/or the unintended recipient is currently in possession of funds belonging to XXXX XXXX XXXX XXXX \n1. The Incident ( Erroneous ACH to Incorrect Account Number ) On XX/XX/scrub> XXXX  XXXX XXXX XXXX initiated an ACH payment in the amount of {$640.00}. Due to a clerical error, the payment was directed to an incorrect NFCU account number : XXXX. Upon discovery, XXXX XXXX XXXX promptly contacted its originating financial institution and requested a reversal/return pursuant to the XXXX XXXX XXXX. \n2. Legal Basis ( UCC Article 4A ; XXXX Operating Rules ; Unjust Enrichment ) This matter concerns a misdirected electronic funds transfer governed by UCC Article 4A ( Funds Transfers ) and the XXXX Operating Rules applicable to ACH entries. While XXXX XXXX XXXX recognizes the name vs. number principle reflected in UCC 4A-209, once NFCU has been placed on notice that the payment was made by mistake to an unintended account, continued retention of the funds by NFCU and/or its member/depositor constitutes wrongful possession of XXXXXXXX XXXX XXXX property and results in unjust enrichment. \nConsistent with UCC Article 4A and XXXX Operating Rules addressing erroneous entries and recovery/return requests, XXXX XXXX XXXX demands that NFCU take immediate action to facilitate the return of the misdirected funds to the extent permitted and required by applicable law and operating rules, including by promptly engaging the unintended recipient and processing the appropriate return/reversal workflow through the ACH network. \n3. Previous Efforts to Resolve XXXX XXXX XXXX has made multiple good-faith attempts to resolve this issue through standard banking channels, including email to XXXX XXXX on XX/XX/year> and XXXXXXXX XXXX. To date, the funds have not been returned and XXXX XXXX XXXX has not received a sufficient legal basis for the continued withholding of its funds. \n4. Demand for Immediate Return ( 10 Business Days ) XXXX XXXX XXXX hereby demands that NFCU immediately reverse and/or return the full amount of {$640.00} to XXXX XXXX XXXX through the originating bank ( or other mutually agreeable method ) within ten ( 10 ) business days of NFCUs receipt of this letter. \n5. Notice of Intent to Escalate ( CFPB and NCUA ) If the funds are not returned within the timeframe stated above, XXXX XXXX XXXX will escalate this matter without further notice by ( i ) filing or supplementing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and ( ii ) submitting a formal complaint to the National Credit Union Administration ( NCUA ) regarding XXXX handling of this recovery request and failure to facilitate return of funds received by mistake. \nXXXX XXXX XXXX also reserves all rights and remedies at law and in equity, including claims for unjust enrichment and any other applicable causes of action, and the right to seek recovery of the principal amount, interest where permitted, and costs and attorneys fees where recoverable. \nWe expect NFCUs written confirmation within ten ( 10 ) business days that the return has been initiated and the status/trace details of the return. \nSincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX cc : Navy Federal Credit Union Legal & Compliance Department File","date_sent_to_company":"2026-03-05T21:07:14.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"30341","tags":null,"has_narrative":true,"complaint_id":"20015168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-03-05T20:45:01.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX cc : Navy <em>Federal</em> Credit Union Legal & <em>Compliance</em> Department File"],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"]},"sort":[11.563726,"20015168"]},{"_index":"complaint-public-v1","_id":"16826503","_score":11.121545,"_source":{"product":"Checking or savings account","complaint_what_happened":"Since transferring my banking relationship to Wells Fargo, I have experienced repeated inconsistencies in how they apply the terms of their deposit account agreement. It appears Wells Fargo selectively enforces provisions to their benefit, while disregarding those that protect the customer. \n\nRecently, I attempted to deposit a government-issued check for {$1800.00}. The teller informed me that a four-business-day hold would be placed on the entire amount, with no release of the required {$220.00} the next business day as outlined in Wells Fargos Deposit Account Agreement . Due to this violation, I deposited the check at another financial institution that followed standard federal availability rules. \n\nAdditionally, the checks I ordered were printed incorrectly. When I called to resolve the issue, the representative reordered them but refused to expedite shipping. This left me unable to write checks for an extended period, despite the error being on Wells Fargos part. \n\nXXXX deposits have historically posted immediately. However, when my son sent {$110.00} via XXXX from his bank, Wells Fargo placed an unexplained hold on the funds. No notification or rationale was provided, violating the transparency and availability standards outlined in their agreement. \n\nThese actions contradict Wells Fargos stated policies in their Deposit Account Agreement, including : Section on Funds Availability ( Regulation CC compliance ) Timely notification of holds Immediate availability of electronic transfers Prompt correction of bank errors I am requesting an immediate review of my account and a written explanation for these discrepancies. Furthermore, I demand that all future deposits and transactions be processed in accordance with the full terms of the Deposit Account Agreement, without arbitrary delays or selective enforcement.","date_sent_to_company":"2025-10-26T18:32:27.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"388XX","tags":null,"has_narrative":true,"complaint_id":"16826503","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-10-26T18:14:07.000Z","state":"MS","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":["Due to this violation, I deposited the check at another financial institution that followed standard <em>federal</em> availability <em>rules</em>. \n\nAdditionally, the checks I ordered were printed incorrectly. When I called to resolve the issue, the representative reordered them but refused to expedite shipping. This left me unable to write checks for an extended period, despite the error being on Wells Fargos part. \n\nXXXX deposits have historically posted immediately."]},"sort":[11.121545,"16826503"]},{"_index":"complaint-public-v1","_id":"16420426","_score":11.092077,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is a Follow Up, Please Read It and Don't Close This Complaint : In XX/XX/XXXX, my checking account with Capital One was closed. At the time of closure, my account balance was {$6300.00}, consisting of two check deposits made on XX/XX/XXXX, for {$3200.00} and {$3000.00}. \n\nIf a deposited check had been fake, altered, or otherwise unable to clear, the following would have occurred immediately : The check would not have cleared the Federal Reserve system ( the clearinghouse ).\n\nWithin a few business days, Capital One would have reversed the deposit and notified me of a returned check or deposit reversal. \n\nMy account balance would have been adjusted downward to reflect the reversal. \n\nThe bank might have frozen my account and reported the check to their fraud department. \n\nNone of these actions occurred in my case. Both checks cleared and settled successfully, posted to my account, and remained available. Interest continued to accrue even after account closure, bringing the total balance to {$6300.00}, confirming the funds were legitimate. There is no record of a returned check, reversal, or chargeback. If the checks had been fraudulent, my account history would show a Returned Check Item Unpaid or Deposit Adjustment Reversal of Deposit, which it does not. \n\nDespite repeated requests and attempts to resolve this issue directly with Capital One via phone and email, the company has withheld these funds for over three months without explanation. Capital One has acknowledged my inquiries but has failed to release my funds or provide written confirmation of the checks issue date and mailing address. I have also submitted complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ), yet the issue remains unresolved. \n\nGiven the significant length of time that has passed, the clear legitimacy of the funds, and Capital Ones ongoing failure to follow proper banking procedures, I am requesting immediate escalation for supervisory review. I demand that Capital One release my account balance of {$6300.00}, which reflects the principal and accrued interest, without further delay and provide written confirmation of compliance with federal banking regulations regarding the prompt return of customer funds. Continued withholding of these funds is unacceptable and constitutes a failure to comply with established banking rules. \n\nFurthermore, Capital Ones ongoing refusal to release these funds may constitute violations of federal banking regulations, including Regulation CC regarding the timely availability of deposited funds. I have also submitted a complaint to the New York State Attorney Generals Office to address this matter, as my funds continue to be withheld. This is particularly concerning given that Capital One was recently involved in a settlement of a class action lawsuit, in which the company agreed to a {$420.00} million payout to resolve allegations that it failed to pay adequate interest on its 360 Savings accounts between XXXX and XXXX. I request that the Bureau take this into account and ensure that Capital One is held accountable for any noncompliance. Prompt action is necessary to prevent further delay, financial harm, or additional regulatory or legal enforcement actions against the bank. \n\n\nI am escalating my complaint regarding Capital Ones improper withholding and redirection of my fully cleared account balance totaling {$6300.00}. \n\nOnce Again On XX/XX/XXXX : I deposited two checks via ATM totaling {$6300.00} into my Capital One 360 checking account ( ending in XXXX ). \nThese deposits were posted and cleared on XX/XX/XXXX, as confirmed in my account transaction records. My XX/XX/XXXX bank statement shows an ending balance of {$6300.00}, reflecting cleared funds and accrued interest demonstrating that the funds were neither reversed nor held at that time. \n\nDespite this, on XX/XX/XXXX, I received a letter from Capital One stating that the remaining funds will be sent back to the originating bank, and that the bank is unable to release the remaining funds to me. No legal hold, fraud claim, or law enforcement request was cited. Capital Ones explanation does not align with federal banking regulations governing the handling of cleared deposits. \n\n\nRegulatory Violations Cited : 1. Regulation CC ( 12 CFR Part 229 Availability of Funds ) : Requires that financial institutions make deposited funds available within specified timeframes and prohibits indefinite holds after funds have cleared. \nThe funds in question were available, posted, and earning interest for over two months, making any subsequent reversal or redirection inconsistent with Reg CC. \n2. Uniform Commercial Code 4-214 Right of Chargeback : Banks may reverse a credit only if a check is returned unpaid or provisional settlement fails. \nOnce final settlement is received ( as in this case ), the right of chargeback expires. Returning cleared funds to an originating bank months later violates this statute. \n3. Potential Breach of Fiduciary and Contractual Duty : Capital Ones deposit agreement does not permit return of cleared funds absent a valid legal or regulatory reason.\n\nThe refusal to release my balance causes direct financial harm and appears to contradict Capital Ones stated compliance with federal procedures.","date_sent_to_company":"2025-10-07T20:01:08.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"10457","tags":null,"has_narrative":true,"complaint_id":"16420426","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-10-07T16:29:44.000Z","state":"NY","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["The refusal to release my balance causes direct financial harm and appears to contradict Capital Ones stated <em>compliance</em> with <em>federal</em> procedures."]},"sort":[11.092077,"16420426"]},{"_index":"complaint-public-v1","_id":"8255451","_score":11.055058,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing in request immediate intervention from CFPB for Navy Federal Credit Union Denial of Claims. Navy Federal Credit Union emails dated XX/XX/XXXX, entitled Your Claim is Resolved. This letter serves as a formal request for CFPB to govern Navy Federal Credit Unions compliance to conduct a comprehensive review of fact-based documentation provided and request for additional scrutiny and a reassertion of my request for a refund of {$5000.00} and {$4200.00}, a sum representing charges for purported legal services. This Appeal concerns the legal services provided by XXXX XXXX XXXX XXXX, in the amount of {$5000.00} and {$4200.00}, which are currently the subject of ongoing litigation due to allegations of Attorney Malpractice.\n\nI appreciate the due diligence performed by your investigation team. However, I believe that critical aspects of my claim may not have been fully considered, which has led to the conclusion that no error occurred.\n\nNavy Federal Credit Unions denial of my claim disregards the clear breach of the contractual Agreement and the substandard level of professional service rendered. I assert that the services for which I was billed were either not provided or grossly inadequate, failing to meet the requisite standards of legal practice, as codified in Maryland 's Professional Conduct Rules, particularly Rules 19-301.1 ( Competence ) and 19-301.5 ( Fees ).\n\nThe services billed and the resulting charges are incongruent with the actual legal assistance received. This discrepancy is evident in multiple facets of XXXX XXXX representation, including but not limited to, a significant failure in upholding communication standards, inadequate legal argumentation, and a marked deviation from the agreed-upon scope of representation.\n\nNavy Federal Credit Unions decision to deny my claim is untenable and overlooks the fundamental principles of justice and equitable treatment. Therefore, I demand a reevaluation of my claim and immediate processing of the refund owed to me, given the irrefutable evidence of XXXX XXXX non-performance and palpable breach of our contractual terms.\n\nI. Legal Malpractice and Ethical Violations This formal Appeal regarding the refusal of my claim is rooted in the professional inadequacies and ethical violations of XXXX XXXX, XXXX, as outlined below. \nBreach of Professional Standards : Under Maryland Rule 19-301.1, an Attorney is obliged to provide competent representation. Regrettably, XXXX XXXX XXXX services significantly deviated from these legal and ethical benchmarks. Instances of inadequate legal strategizing, lack of thorough case preparation, and a failure to provide knowledgeable legal counsel were evident, all of which undermined the integrity of my legal representation. \nFinancial Misconduct : In accordance with Maryland Rule 19-301.5, legal fees should be reasonable and transparently conveyed to the client. XXXX XXXX XXXX billing for services that were either unprovided or unauthorized by me represents a clear violation of this rule. XXXX XXXX charged me for services that were either not rendered or not authorized by me, constituting financial misconduct. The overcharging and billing discrepancies reflect financial misconduct that further exacerbates my grievances.\n\nNegligence in Representation : Drawing on the precedent set by XXXX XXXX XXXX ( XXXX ), it is evident that XXXX XXXX XXXX representation was marred by negligence. This negligence manifested in a failure to advocate effectively on my behalf, resulting in a detrimental impact on my case 's outcome. The lack of due diligence and professional attentiveness in managing my legal affairs was not only disappointing but also materially harmful.\n\nEthical Violations : Pertinent breaches in confidentiality and fiduciary duty, as delineated by Maryland Rule 19-301.6 and Rule 19-301.7, were apparent in XXXX XXXX XXXX conduct. The unauthorized disclosure of sensitive information and the failure to prioritize my interests over others are clear ethical breaches. These actions not only compromised my legal position but also eroded the foundational trust essential in an attorney-client relationship.\n\nPlease be advised that non-compliance with my refund request, due to Attorney Malpractice, may place Navy Federal Credit Union in violation of specific Maryland banking regulations and statutes. As the institution managing the financial transactions related to these services, continued refusal to process the refund might be viewed as an endorsement or acceptance of such malpractice. These regulations and statutes include, but are not limited to, the Maryland Consumer Protection Act ( Md. Code Ann., Com. Law II 13-101 et seq. ), which requires financial institutions to engage in fair and equitable practices, especially in situations involving professional misconduct. Additionally, the Maryland Uniform Commercial Code ( Md. Code Ann., Com. Law II 1-101 et seq. ) mandates financial institutions to exercise due diligence in financial transactions.\n\nFurthermore, it is pertinent to highlight the applicability of the Electronic Fund Transfer Act ( EFTA ) and Regulation E in this context. These regulations encompass a range of electronic fund transfers that authorize a financial institution to debit or credit a consumer 's account. This includes transactions from various types of consumer accounts, specifically demand deposit ( checking ), savings, or other asset accounts established primarily for personal, family, or household purposes, as well as prepaid accounts as defined by Regulation E.\n\nThe term electronic fund transfer encompasses any transfer of funds initiated through electronic means such as terminals, telephones, computers, or magnetic tapes for the purpose of authorizing a financial institution to debit or credit a consumer 's account. Therefore, this regulation covers person-to-person ( P2P ) payments, mobile payments, debit card transactions, ACH transfers, and other electronic transfers to or from consumer accounts. These regulations are crucial in ensuring consumer protection in electronic financial transactions, making their applicability to this case both relevant and significant. \nIn the matter concerning XXXX XXXX XXXX, there was a blatant disregard for the provisions of the Health Insurance Portability & Accountability Act ( HIPAA ), specifically outlined in Public Law No. 104-191, 110 Stat. 1936. This law mandates strict confidentiality and security measures for handling personal health information. Additionally, the Health Information Technology for Economic and Clinical Health ( HITECH ) Act, part of the American Recovery and Reinvestment Act of 2009, Title XIII, Subtitle D, extends these requirements. It directs entities, especially those not covered under HIPAA like certain health record vendors and service providers, to notify individuals and relevant authorities in instances of data breaches or unauthorized disclosures of unsecured health information. XXXX XXXX XXXX  actions, involving the disclosure of my PHI without explicit consent, appear to contravene these federal regulations, constituting a serious legal and ethical violation. \nFailure to process my refund request in the context of attorney XXXX XXXX XXXX malpractice may lead to serious consequences. Such inaction might be perceived as a lack of due diligence on your part, potentially exposing Navy Federal Credit Union to allegations of complicity in unethical practices. This scenario risks both reputational harm and legal scrutiny, especially in light of potential violations of consumer protection laws. An immediate and fair resolution to this matter is crucial, not only for my interests but also for upholding the Navy Federal Credit Unions commitment to ethical banking standards.\n\nGiven that the transactions in question fall under the purview of these regulations, I urge Navy Federal Credit Union to reassess my refund request with this regulatory framework in mind, ensuring compliance and upholding my rights as a consumer.\n\nA prompt reassessment of this situation is not merely a matter of fulfilling fiduciary duties ; it aligns with the stringent standards of legal and ethical banking practices. Moreover, it is a crucial step in addressing the purported professional malfeasance.\n\nII. Rebuttal to Merchants Response to Chargeback The documentation provided by XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX, such as the Fee Agreement, detailed invoices, court transcript, and Attorney 's Fees Affidavit, fails to adequately address the central issues raised in my claim. The documentation furnished fails to establish the legitimacy of the transaction under dispute. The mere presence of a Fee Agreement, Invoices, and even a Court Transcript does not conclusively prove that the services charged for were rendered or that they met the standard of care contractually promised. It is essential that each charge be demonstrably linked to a corresponding, competently rendered legal service. Absent this, the transaction 's validity is rightly called into question, warranting a thorough review and appropriate remedial action. \nUnder the Maryland Consumer Protection Act ( Md. Code Ann., Com. Law II 13-101 et seq. ), transactions must be fair and transparent to protect the consumer from unfair or deceptive trade practices. Additionally, banks have a fiduciary duty to their clients to act with care, honesty, and diligence as set forth under the Maryland Uniform Fiduciary Access to Digital Assets Act ( Md. Code Ann., Est. & Trusts 4-501 et seq. ). These laws mandate that financial institutions maintain the integrity of transactions and uphold the trust placed in them by their clients. If a transaction, such as the legal charges in question, lacks a valid basis for its execution or fails to meet the agreed-upon standards, it may be deemed invalid, prompting necessary rectifications to align with these legal standards.\n\nThe documents furnished by XXXX XXXX, while procedural, do not substantively validate the quality or the effectiveness of the legal services rendered. My concerns revolve around the actual execution and competence of the services provided, which I contend have not met the professional and ethical standards mandated under Maryland law. Therefore, these documents, in their current form, do not counterbalance or negate the assertions of malpractice and inadequate service that form the basis of my chargeback request.\n\nFee Agreement and Invoices : While the invoices document the services billed, they do not reflect the actual quality or effectiveness of the services provided. There are notable discrepancies in services listed in the invoices compared to what was rendered, indicating a significant misalignment between billing and service delivery.\n\nCourt Transcript : My statement in the court proceeding, as referenced in your communications, requires contextualization. The court transcript holds little weight in substantiating the quality of legal services rendered. Statements made within it are not incontrovertible evidence of satisfactory service, as they fail to capture the multifaceted and evolving nature of client satisfaction and the effectiveness of legal representation over the entire course of proceedings.\n\nAttorney 's Fees Affidavit : The submission of an Attorney 's Fees Affidavit, while procedurally correct, does not inherently signify fulfillment of our Service Agreement. There were specific service expectations outlined in our Agreement which were not met, despite the Affidavit.\n\nTransaction Authorization : Although I authorized the transaction, it was predicated on the assumption that the services provided would align with our agreed terms. The services rendered were materially different from those I had authorized, both in scope and quality.\n\nIII. Conclusion Please be advised that the issues in question concerning the requested refund are currently under litigation. This matter is not merely a dispute over service satisfaction but a subject of legal proceedings, underscoring its gravity. Prompt and thorough attention to this refund request is not only appropriate but imperative. I expect that this matter will be addressed with the urgency and seriousness it warrants.","date_sent_to_company":"2024-01-31T16:27:16.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"20876","tags":null,"has_narrative":true,"complaint_id":"8255451","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-01-31T15:52:22.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["An immediate and fair resolution to this matter is crucial, not only for my interests but also for upholding the Navy <em>Federal</em> Credit Unions commitment to ethical <em>banking</em> standards.\n\nGiven that the transactions in question fall under the purview of these regulations, I urge Navy <em>Federal</em> Credit Union to reassess my refund request with this regulatory framework in mind, ensuring <em>compliance</em> and upholding my rights as a consumer."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"]},"sort":[11.055058,"8255451"]},{"_index":"complaint-public-v1","_id":"1647397","_score":11.01427,"_source":{"product":"Bank account or service","complaint_what_happened":"BBVA Compass bank charged me XXXX NSF charges on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX without notifying me. I have not requested nor permitted this NSF/Overdraft authorization and the bank is in violation of Regulation E of the Federal Reserve Banking Regulations ( Limits the ability of a financial institution to assess an overdraft fee for paying automated teller machine ( ATM ) withdrawals and one-time debit card transactions that overdraw a consumer 's account ), and Regulation- Title 12 Chapter II Subchapter A Part 227Browse Previous | Browse NextTitle 12 : Banks and BankingPART 227 -- UNFAIR OR DECEPTIVE ACTS OR PRACTICES ( REGULATION AA ) ContentsSubpart A -- General Provisions227.1 Authority, purpose, and scope. \n227.2 Consumer-complaint procedure. \nSubpart B -- Credit Practices Rule227.11 [ Reserved ] 227.12 Definitions. \n227.13 Unfair credit contract provisions. \n227.14 Unfair or deceptive practices involving cosigners. \n227.15 Unfair late charges. \n227.16 State exemptions. \nSubpart C [ Reserved ] Supplement I to Part 227 -- Official Staff CommentaryAuthority : 15 U.S.C. 57a ( f ). \n\nreturn arrow Back to TopSubpart A -- General Provisionsreturn arrow Back to Top227.1 Authority, purpose, and scope. \n( a ) Authority. This part is issued by the Board under section 18 ( f ) of the Federal Trade Commission Act, 15 U.S.C. 57a ( f ) ( section 202 ( a ) of the XXXX Warranty -- Federal Trade Commission Improvement Act, Pub. L. 93-637 ). \n\n( b ) Purpose. The purpose of this part is to prohibit unfair or deceptive acts or practices in violation of section 5 ( a ) ( 1 ) of the Federal Trade Commission Act, 15 U.S.C. 45 ( a ) ( 1 ). This part defines and contains requirements prescribed for the purpose of preventing specific unfair or deceptive acts or practices of banks. The prohibitions in this part do not limit the Board 's or any other agency 's authority to enforce the FTC Act with respect to any other unfair or deceptive acts or practices. \n\n( c ) Scope. This part applies to banks, including subsidiaries of banks and other entities listed in paragraph ( c ) ( 2 ) of this section. This part does not apply to savings associations as defined in 12 U.S.C. 1813 ( b ). Compliance is to be enforced by : ( 1 ) The Comptroller of the Currency, in the case of national banks and federal branches and federal agencies of foreign banks ; ( 2 ) The Board of Governors of the Federal Reserve System, in the case of banks that are members of the Federal Reserve System ( other than banks referred to in paragraph ( c ) ( 1 ) of this section ), branches and agencies of foreign banks ( other than federal branches, federal agencies, and insured state branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act ; and ( 3 ) The Federal Deposit Insurance Corporation, in the case of banks insured by the Federal Deposit Insurance Corporation ( other than banks referred to in paragraphs ( c ) ( 1 ) and ( c ) ( 2 ) of this section ), and insured state branches of foreign banks. \n\n( d ) Definitions. Unless otherwise noted, the terms used in paragraph ( c ) of this section that are not defined in the Federal Trade Commission Act or in section 3 ( s ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( s ) ) shall have the meaning given to them in section 1 ( b ) of the International Banking Act of XX/XX/XXXX ( 12 U.S.C. 3101 ). \n\n[ 75 FR 7926, XX/XX/XXXX ]","date_sent_to_company":"2015-11-09T14:54:51.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"32210","tags":null,"has_narrative":true,"complaint_id":"1647397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BBVA FINANCIAL CORPORATION","date_received":"2015-11-09T14:54:50.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Compliance</em> is to be enforced by : ( 1 ) The Comptroller of the Currency, in the case of national banks and <em>federal</em> branches and <em>federal</em> agencies of foreign banks ; ( 2 ) The Board of Governors of the <em>Federal</em> Reserve System, in the case of banks that are members of the <em>Federal</em> Reserve System ( other than banks referred to in paragraph ( c ) ( 1 ) of this section ), branches and agencies of foreign banks ( other than <em>federal</em> branches, <em>federal</em> agencies, and insured state branches of foreign banks ),"]},"sort":[11.01427,"1647397"]},{"_index":"complaint-public-v1","_id":"5218173","_score":10.752171,"_source":{"product":"Checking or savings account","complaint_what_happened":"I will be processing Private checks from this day forward marked SPECIAL PROCESSING- CLOSED CHECKS/ELECTRONIC FUNDS TRANSFERS ( EFT ) to identify them as Private NEGOTIABLE DEBT INSTRUMENTS, hereinafter called NDIs and also classified as Non-Cash Accrual Exchange Item per other terms used in the banking industry. \n\n\nSpecial NOTE of Banking Compliance : My SPECIAL PROCESSING CLOSED CHECKS are NOT to be drawn against the Public side of my Individual Checking Bank Account, for to do so could result in a rejection depending on the funds on deposit in the public side of the account and this would be an act of Libel against me ( which would cause to defame and injure my reputation ) and it would also be a Trespass against me. The same is true, if my Private Closed Checks as NDIs are dishonored by your refusing to process them through the EFT System. \nThe Following is My Understanding of how the Banking System as it applies to the processing of Private Exchanges : 1. ) NDIs are to be processed through the Banking Systems to settlement by way of the Banks or Intermediary Treasury Tax and Loan accounts, hereinafter, XXXX XXXX XXXX account, which are administered under the Technical Support Division ( TSD ) of the IRS through Chief of Special Procedure Handling within Federal Reserves System and the Treasury as the Holders of Individual In-Trusted Private Access Accounts. The NDIs that are processed through the XXXX & XXXX account are to be administered by the IRS, thereby insuring all of the required IRS taxing and tracking forms are filed by the processing Securities Intermediaries, the Bank in most cases. \n\n2. ) The Bank is under contract to process and settle all SPECIAL PROCESSING CLOSED CHECKS as an Individual Bank Account Holders Private request within 3 days, with the NDIs being charged against the Banks HOLDING ACCOUNT ( as an Asset Credit to be remitted to the requester/endorser of the instrument ). On the other side of the Banks HOLDING ACCOUNT ledger a Secret Lien is written against the individual Bank Account Holders Private Assets held in the In-Trusted Deposit Private Access Account at the Treasury. But within 15 days the Funds ( Asset Credit ) from the Treasury has to flow through the XXXX XXXX XXXX back to the Banks HOLDING ACCOUNT to Set-Off the Secret Lien. The Bank Fee for the performance of this transaction has been covered by the interest acquired from the bonds that were written by the Bank against the Secret Lien for the 15 day holding period.\n\n3. ) Private Exchanges are Barter Exchange Transaction which requires an IRS form 1099-B to also be filed by the Bank to cover the conversion of the Private Exchange and that there are No Taxes Due by Individual Account Holder as it is a Private Exchange Transaction. No new Public Debt has been or is to be created by this process. \n\n4. ) An Individual Account Holder can transfer funds/credit from his Individual In-Trusted Asset Account held on deposit by the Federal Reserve System and the Treasury and then have those Private Funds/Credits deposited into the public side of his Individual Bank account. The Bank is required to keep the Public and Private Funds/Credits separated within the account so they are not co-mingled for compliance with the IRS taxing requirements. Thereby the Bank can only place Secret Liens against the Public Funds/Credits within an account and not against the Private Funds/Credits, even though they may be just book entries of credit. \n\n5. ) The BANKS ; can not lawfully discriminate and deny the processing service to an American Individuals valid NDIs from an Individual Creator/Holder of a Chartered Bank Account ; on the basis that they are not interested, not setup for it, unfamiliar with the processing of NDIs, or that all NDIs or that all NDIs have to look the same ; for it is the Individual who has that right of determination as to what is to be called a Public/Private NDI, for he is the creator of both instruments. The BANK is licensed by charter and bonded to perform the actions as directed by the Individual Bank Account Holder to process for servicing both Public and Private Commercial transactions. This is also covered under the UCC as the Universal Laws of commercial commerce and the time honored Laws. It is also in compliance with the following Public Laws ; Securities Act of 1933, Securities Exchange Act of 1934 ; Banking Acts of 1933, 1934, and 1935 ; Trust Indenture Act of 1939, the Bankruptcy Act of 1898 and several others, plus all of their revised amendments. \n\nMore detailed instructions may need to be forwarded to the Banks Branch Account Managers, so as to prevent any delays in my future Closed Check Exchange Processes. \n\nIt is my understanding that you are also required under the Clean Hands Doctrine and the Banks Charter to process all instruments properly presented for Exchange, Payment and Settlement through the required banking system in this country. But if the above is not also your understanding, then please contact me so we can resolve the misunderstandings. If there are still any unresolved misunderstandings at the time, I will gladly contact the required Regulatory Compliance Departments to obtain their Opinions and Rulings. \n\nIt is the right of every American Individual to have access to a Lawful credit/money ( Exchange ) system and per the banking charters ; the Banks are required to support this when it is demanded by an American Individual Bank Account Creator/Holder . \n\n\nRefusal is Discharge Can not refuse a valid instrument or make a determination it is not valid UCC 3-603 The mere tender of an instrument for payment IS discharge UCC 3-603 HJR-192 superseded Public Law ( that which passes as law today is only XXXX of law ), replacing it with public policy. This eliminated our ability to PAY our debts, allowing only for their DISCHARGE. When we use any commercial paper ( checks, drafts, warrants, federal reserve notes, etc. ), and accept it as money, we simply pass the unpaid debt attached to the paper on to others, by way of our purchases and transactions. This unpaid debt, under public policy, now carries a public liability for its collection. In other words, all debt is now public. \n\nCriminal Penalties for Violation of Executive Order {$10.00}, 000 fine or 10 years imprisonment, or both, as provided in Section 9 of the order.\n\nSection 9 of the order reads as follows : Whosoever willfully violates any provisions of this Executive Order or of these regulations or of any rule, regulation or license issued thereunder may be fined not more than {$10000.00}, or if a natural person, may be imprisoned for not more than 10 years, or both ; and any officer, director or agency of any corporation who knowingly participates in any such violation may be punished by a like fine, imprisonment, or both. \n\nLAW ESTABLISHING THIS TYPE OF INSTRUMENT : A tender of the proper amount due, even if rejected, extinguishes the XXXX and precludes foreclosure* - See, e.g XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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