{"took":2192,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":573,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18318093","_score":14.728915,"_source":{"product":"Checking or savings account","complaint_what_happened":"A VA disability payment was deposited into my account, which is currently restricted due to a fraud review. The bank is refusing to release the funds and is attempting to apply them to a large negative balance on the account. \nThe deposited funds are VA disability benefits, which are federally protected and exempt from offset, garnishment, or seizure by a financial institution. The bank has stated that because the funds already hit the account, they can not release them, which is incorrect under federal benefit protection rules. I contacted the bank immediately after the deposit posted and informed them the funds were VA disability benefits. I requested release of the protected funds or return of the deposit to the VA for reissuance. The bank refused and did not escalate the matter to compliance or provide a lawful justification.\n\nI am requesting that the bank immediately release the protected VA disability funds to me or return the payment to the Department of Veterans Affairs so it can be reissued to my updated direct deposit account. I also request confirmation in writing that no portion of my VA benefits has been applied to any negative balance. The account was restricted due to fraud, not closure initiated by me. I updated my VA direct deposit information prior to learning the payment would still route to this account. The bank is unlawfully withholding federally protected benefits.","date_sent_to_company":"2025-12-27T15:31:51.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"76549","tags":"Servicemember","has_narrative":true,"complaint_id":"18318093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CADENCE BANK","date_received":"2025-12-27T15:22:38.000Z","state":"TX","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["I requested <em>release</em> of the protected funds or return of the deposit to the VA for reissuance. The bank <em>refused</em> and did not escalate the matter to <em>compliance</em> or provide a lawful justification.\n\nI am requesting that the bank immediately <em>release</em> the protected VA disability funds to me or return the payment to the Department of Veterans Affairs so it can be reissued to my updated direct deposit account."]},"sort":[14.728915,"18318093"]},{"_index":"complaint-public-v1","_id":"11796340","_score":14.582175,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"After my vehicle was repossessed, I requested documentation from North State Acceptance to verify the account, specifically the auction receipt. While they provided some documents, they initially refused to provide the auction receipt, which is critical for verifying the accuracy of the deficiency balance. Only after filing a complaint with the CFPB did they decide to release this information, highlighting inconsistencies in their handling of my account. These actions have caused confusion and raised concerns about their compliance with the law.","date_sent_to_company":"2025-01-28T00:40:48.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"28212","tags":null,"has_narrative":true,"complaint_id":"11796340","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"North State Acceptance, LLC","date_received":"2025-01-28T00:30:05.000Z","state":"NC","company_public_response":null,"sub_issue":"Deficiency balance after repossession"},"highlight":{"complaint_what_happened":["While they provided some documents, they initially <em>refused</em> to provide the auction receipt, which is critical for verifying the accuracy of the deficiency balance. Only after filing a complaint with the CFPB did they decide to <em>release</em> this <em>information</em>, highlighting inconsistencies in their handling of my account. These actions have caused confusion and raised concerns about their <em>compliance</em> with the law."]},"sort":[14.582175,"11796340"]},{"_index":"complaint-public-v1","_id":"5084288","_score":14.407303,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Personal statements are ineffective and ignored multiple credit card and lending companies have ripped me off try to deny me try to deny me my legal rights and protections and then refused to get their grubby paws off of my credit files for inaccurate reporting for more than 7 years straight. Then these companies resale the information to other credit reporting agencies there are 23 listed on the ftcc website and not a single one is in compliance. Furthermore all bureaus are refusing to update my information without demanding information from me I will not be volunteering information these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to release information. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman refuses to do their job.","date_sent_to_company":"2022-01-07T17:14:37.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"654XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5084288","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2022-01-07T17:14:32.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore all bureaus are <em>refusing</em> to update my <em>information</em> without demanding <em>information</em> from me I will not be volunteering <em>information</em> these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to <em>release</em> <em>information</em>. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman <em>refuses</em> to do their job."]},"sort":[14.407303,"5084288"]},{"_index":"complaint-public-v1","_id":"5084289","_score":14.401875,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Personal statements are ineffective and ignored multiple credit card and lending companies have ripped me off try to deny me try to deny me my legal rights and protections and then refused to get their grubby paws off of my credit files for inaccurate reporting for more than 7 years straight. Then these companies resale the information to other credit reporting agencies there are 23 listed on the ftcc website and not a single one is in compliance. Furthermore all bureaus are refusing to update my information without demanding information from me I will not be volunteering information these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to release information. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman refuses to do their job.","date_sent_to_company":"2022-01-07T17:14:37.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"654XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5084289","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-01-07T17:14:32.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore all bureaus are <em>refusing</em> to update my <em>information</em> without demanding <em>information</em> from me I will not be volunteering <em>information</em> these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to <em>release</em> <em>information</em>. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman <em>refuses</em> to do their job."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[14.401875,"5084289"]},{"_index":"complaint-public-v1","_id":"16744263","_score":14.379017,"_source":{"product":"Mortgage","complaint_what_happened":"I am the sole borrower on a Bank of America mortgage. Recently, I discovered that the bank issued a payoff statement without my knowledge or authorization. \nThe payoff request was submitted using a forged signature my ex-wife signed my name to obtain confidential loan information. She is listed on the title only, not the mortgage. \nI contacted Bank of Americas mortgage servicing and compliance departments to request ( a ) the date of the payoff request, ( b ) who made it, and ( c ) a copy of the authorization or signature used. \nThe bank refused to provide any documentation, despite my being the only borrower on the loan. This constitutes : A violation of Regulation P ( 12 CFR 1016 ) under the XXXX XXXX which requires protection of non-public personal financial information. \nA breach of XXXX XXXX XXXX XXXX ( Forgery ), since the authorization used my falsified signature. \nThe unauthorized release of my payoff information has already caused serious financial harm, including damage to my credit, collection calls, and potential misuse of my personal financial data. \nI have written to Bank of Americas Compliance / Privacy Office and XXXX XXXX XXXX, requesting written confirmation of what was released and a copy of the forged authorization. They have refused to provide that documentation. \nI am requesting that the CFPB : Require Bank of America to disclose to me who requested the payoff, what document was used, and when it was released. \nDetermine whether Bank of America violated Regulation P by disclosing confidential borrower information to an unauthorized party. \nEnsure the bank implements a privacy hold so no further disclosures occur without my notarized written consent. \nI am happy to provide copies of my letters to the bank, call logs, and proof that the mortgage is solely in my name.","date_sent_to_company":"2025-10-22T22:29:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Conventional home mortgage","zip_code":"98074","tags":null,"has_narrative":true,"complaint_id":"16744263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-10-22T22:21:41.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I have written to Bank of Americas <em>Compliance</em> / Privacy Office and XXXX XXXX XXXX, requesting written confirmation of what was <em>released</em> and a copy of the forged authorization. They have <em>refused</em> to provide that documentation. \nI am requesting that the CFPB : Require Bank of America to disclose to me who requested the payoff, what document was used, and when it was <em>released</em>."]},"sort":[14.379017,"16744263"]},{"_index":"complaint-public-v1","_id":"5084246","_score":14.377124,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Personal statements are ineffective and ignored multiple credit card and lending companies have ripped me off try to deny me try to deny me my legal rights and protections and then refused to get their grubby paws off of my credit files for inaccurate reporting for more than 7 years straight. Then these companies resale the information to other credit reporting agencies there are 23 listed on the ftcc website and not a single one is in compliance. Furthermore all bureaus are refusing to update my information without demanding information from me I will not be volunteering information these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to release information. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman refuses to do their job.","date_sent_to_company":"2022-01-07T17:14:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"654XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5084246","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-01-07T17:06:49.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore all bureaus are <em>refusing</em> to update my <em>information</em> without demanding <em>information</em> from me I will not be volunteering <em>information</em> these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to <em>release</em> <em>information</em>. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman <em>refuses</em> to do their job."]},"sort":[14.377124,"5084246"]},{"_index":"complaint-public-v1","_id":"3122036","_score":14.308094,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB dumped my complaint regarding XXXX 's complicity with Coast Professional , Inc. I am therefore submitting a complaint about Coast Professional 's  misrepresentation regarding compliance with their \" rehabilitation plan '' that was supposed to remove the two separate 20 % default penalties tacked on to my balance. ~ $ XXXX of my current student loan balance can be directly related to their deceptive practice and either their refusal to process and release information, or XXXX XXXX XXXX XXXX 's refusal to release my information. I'm working my way through the chain of organizations at this point. \n\nCoast Professional contacted me in XX/XX/2009 to advise that I was in default, and if I did not pay the balance in full immediately, or if did not make immediate arrangements for refinancing, I would owe the full balance plus the 20 % default fee. I filed for consolidation with Direct Loans, as shown in the attachments. Either Coast Professional and / or XXXX XXXX XXXX intentionally sat on the release of my file and my information to the Department of Education for six months, was given no opportunity to reaffirm the balance of the loan ( which, I was led to believe, was the amount WITHOUT the 20 % default penalty tacked on ), and much to my shock and horror, the 20 % was folded into my refinanced amount. \n\nI refused to pay the incorrect amount. The loan fell into default again. Another 20 % was tacked on. AGAIN. Coast Professional Inc. contacted me again, and I refused to budge until I received confirmation in writing that compliance with their instructions would remove the loan from default, and was verbally advised that removing the loan from default would remove the multiple 20 % default penalties tacked on. \n\nI complied. The balance was not corrected. No one will help. I'm submitting all my attachments again. Please do not dismiss this as a duplicate claim again.","date_sent_to_company":"2019-01-11T08:23:17.000Z","issue":"False statements or representation","sub_product":"Federal student loan debt","zip_code":"27517","tags":null,"has_narrative":true,"complaint_id":"3122036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"COAST PROFESSIONAL, INC.","date_received":"2019-01-11T03:09:59.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am therefore submitting a complaint about Coast Professional 's  misrepresentation regarding <em>compliance</em> with their \" rehabilitation plan '' that was supposed to remove the two separate 20 % default penalties tacked on to my balance. ~ $ XXXX of my current student loan balance can be directly related to their deceptive practice and either their refusal to process and <em>release</em> <em>information</em>, or XXXX XXXX XXXX XXXX 's refusal to <em>release</em> my <em>information</em>."]},"sort":[14.308094,"3122036"]},{"_index":"complaint-public-v1","_id":"16623804","_score":14.220486,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"My Cash App account was suddenly locked and {$500.00} was frozen after I sent a {$4.00} payment to a friend with the memo XXXX XXXX  children. \nThis was an obvious joke between friends, not a real purchase or violation of policy. \n\nSince then, Cash App has refused to release my funds or provide a clear explanation. Ive contacted support at least 12 times over two weeks ( I can only prove 8 of them because I called with VOIP number 4 other times ) and each time they give inconsistent answers : some say a claims specialist will reach out, others say theres no claim at all. They refuse to give a phone number for the team handling it. \n\nThis hold has caused serious hardship I cant buy food, pay bills, or put gas in my car to get to work. I have complied with all requests for information and confirmed the purpose of the payment and my relationship with the recipient. \n\nI am requesting immediate release of my {$500.00} or a written timeline for resolution. Cash Apps lack of communication and indefinite hold are unreasonable and financially harmful. \n\nI want my {$500.00} released and my account unlocked immediately, or at minimum a firm written timeline for resolution from Cash Apps compliance department.","date_sent_to_company":"2025-10-16T22:21:29.000Z","issue":"Money was not available when promised","sub_product":"Virtual currency","zip_code":"985XX","tags":null,"has_narrative":true,"complaint_id":"16623804","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-10-16T21:57:58.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have complied with all requests for <em>information</em> and confirmed the purpose of the payment and my relationship with the recipient. \n\nI am requesting immediate <em>release</em> of my {$500.00} or a written timeline for resolution. Cash Apps lack of communication and indefinite hold are unreasonable and financially harmful. \n\nI want my {$500.00} <em>released</em> and my account unlocked immediately, or at minimum a firm written timeline for resolution from Cash Apps <em>compliance</em> department."]},"sort":[14.220486,"16623804"]},{"_index":"complaint-public-v1","_id":"19114294","_score":13.824397,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My RV loand was paid in full XX/XX/year> I called M & T bank to change the address as there is no option to do so in their online banking portal. \nThey refused to change my address unless I provided my employer information, job title, and income. They claimed this was to be in compliance with the XXXX XXXX, I informed them that I could verify my address and identity with a scan of my drivers license, lease, and/or utility bill, and that were not required to gather information about my employment. \n\nThey refused to change the address, and said that in about XXXX business days they would mail the release of lein to an address I have not lived at in 6 months, so I will not get it. They further refused to provide any proof of payment or XXXX balance on my account. \n\nI have recently changed my address with XXXX other banks/loans and did not have to prove anything, and had all documents I requested in a matter of days.","date_sent_to_company":"2026-01-29T21:22:41.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"33914","tags":"Servicemember","has_narrative":true,"complaint_id":"19114294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2026-01-29T21:07:41.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["They <em>refused</em> to change my address unless I provided my employer <em>information</em>, job title, and income. They claimed this was to be in <em>compliance</em> with the XXXX XXXX, I informed them that I could verify my address and identity with a scan of my drivers license, lease, and/or utility bill, and that were not required to gather <em>information</em> about my employment."]},"sort":[13.824397,"19114294"]},{"_index":"complaint-public-v1","_id":"10867247","_score":13.637623,"_source":{"product":"Mortgage","complaint_what_happened":"I applied for cash out refinance with Better Mortgage on XX/XX/year>. On XX/XX/year>, a staff emailed me stating that Better Mortgage could not close the deal. I went to another lender who was willing to use the appraisal report I paid for when I applied through Better Mortgage. This new lender needed some information from Better Mortgage but they refused to cooperate. Below is a list of the requests the new lender sent to Better Mortgage : \" 1 ) Completed Appraisal ( must be 1st generation copy ) and XML format of the appraisal OR a Written Release so we can request the Appraisal directly from the Appraiser 2 ) Must have XML ready appraisal ( UCDP Acceptable ) OR a Written Release so we can request the Appraisal directly from the Appraiser 3 ) Copy of Engagement letter from the Better 4 ) Lender release from Better 5 ) Appraiser Independence Requirement Compliance statement from Better and proof of payment 6 ) Paid receipt documenting our borrower paid Better for this appraisal report. ''","date_sent_to_company":"2024-11-21T03:17:35.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"190XX","tags":null,"has_narrative":true,"complaint_id":"10867247","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Better Mortgage, Inc.","date_received":"2024-11-21T02:53:19.000Z","state":"PA","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue with the application process"},"highlight":{"complaint_what_happened":["This new lender needed some <em>information</em> from Better Mortgage but they <em>refused</em> to cooperate."]},"sort":[13.637623,"10867247"]},{"_index":"complaint-public-v1","_id":"18308966","_score":13.632961,"_source":{"product":"Checking or savings account","complaint_what_happened":"U.S. Bank is holding an inbound domestic wire transfer of {$11000.00} that was received on Tuesday, XX/XX/year>, into my business account. The funds were sent from a regulated U.S. credit union. \nU.S. Bank has refused to explain the reason for the hold, will not identify whether the transfer is under fraud, compliance, or sanctions review, will not provide a timeframe for release, and has not requested any documentation from me to resolve the issue. \nIn addition, U.S. Bank has restricted my access to my online business banking without notice or explanation, preventing me from viewing or managing my account while simultaneously holding the funds.\n\nAt U.S. Banks direction, I drove approximately two hours round-trip to the nearest branch to present government-issued identification in person. The branch confirmed my identity but this did not result in any release of funds, restoration of access, or explanation of the issue. \nU.S. Bank also refused to add my adult son as an authorized signer on the account without providing any explanation for the refusal.\n\nThis is a routine domestic business transaction and the continued unexplained hold, account restriction, and refusal to process normal account changes are disrupting business operations, including the ability to pay vendors and meet financial obligations. I have repeatedly asked whether any information is required from me and whether the funds will be released or returned, and I have not been given any answers. \nI am requesting that U.S. Bank either ( 1 ) immediately release the wire and restore full access to my account, ( 2 ) provide a written explanation of the category of review and what is required to resolve it, or ( 3 ) promptly return the wire to the sender and confirm the status of my account.","date_sent_to_company":"2025-12-27T00:15:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"490XX","tags":"Older American","has_narrative":true,"complaint_id":"18308966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2025-12-27T00:06:47.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Bank has <em>refused</em> to explain the reason for the hold, will not identify whether the transfer is under fraud, <em>compliance</em>, or sanctions review, will not provide a timeframe for <em>release</em>, and has not requested any documentation from me to resolve the issue. \nIn addition, U.S. Bank has restricted my access to my online business banking without notice or explanation, preventing me from viewing or managing my account while simultaneously holding the funds.\n\nAt U.S."]},"sort":[13.632961,"18308966"]},{"_index":"complaint-public-v1","_id":"18813508","_score":13.623976,"_source":{"product":"Checking or savings account","complaint_what_happened":"I had a Chime account that was closed in XXXX. At the time of closure, my remaining balance was approximately {$11000.00}, consisting entirely of unemployment benefits from XXXX. \n\nSince the account closure, I have repeatedly requested that Chime release my remaining balance or provide written confirmation of where the funds are, including whether they were disbursed or escheated to the state. \n\nOn XX/XX/XXXX, at approximately XXXX XXXX, I called Chime to resolve this issue. The agent : Refused to provide his agent ID Refused to transfer me to a manager Stated my account was not in compliance with Chime deposits, even though I provided all requested identification documents, including ID, drivers license, birth certificate, social security card, utility bill, W-2, and proof of address Admitted that a manager would give the same refusal Chime has never provided proof of disbursement or escheatment of my {$11000.00}. They have continued to withhold information regarding my funds for over XXXX years, despite repeated verification of my identity and lawful entitlement to these unemployment benefits. \n\nI am requesting that Chime release my funds immediately or provide written proof of disbursement or escheatment, including dates, amounts, and the entity that received the funds.","date_sent_to_company":"2026-03-06T15:15:18.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"46517","tags":null,"has_narrative":true,"complaint_id":"18813508","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-01-18T08:53:49.000Z","state":"IN","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["The agent : <em>Refused</em> to provide his agent ID <em>Refused</em> to transfer me to a manager Stated my account was not in <em>compliance</em> with Chime deposits, even though I provided all requested identification documents, including ID, drivers license, birth certificate, social security card, utility bill, W-2, and proof of address Admitted that a manager would give the same refusal Chime has never provided proof of disbursement or escheatment of my {$11000.00}."]},"sort":[13.623976,"18813508"]},{"_index":"complaint-public-v1","_id":"2827372","_score":13.617765,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted multiple requests of TransUnion to delete two tax leins ( released tax leins ) as it does not meet the minimum requirements as detailed in the latest credit reporting changes in XX/XX/XXXX. \n\nBeginning on XX/XX/XXXX, the three major credit bureaus, TransUnion, XXXX and XXXX, will no longer report tax liens or civil judgments with incomplete information on individuals credit reports. Again, as of XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, AND ( 3 ) FULL Social Security Number and/or date of birth ; That being said, I attached a copy of both NC Revenue State Lein Release letters and NEITHER of the letters maintain the required MINIMUM information and thus must be removed from my TransUnion credit report. \n\nXXXX and XXXX have both removed the 2 leins from my credit report based on this info, BUT Transunion refuses to delete the items and be in compliance with the new credit reporting law. Therefore, I have no choice but to file a formal compalint with you so that they can remove the released tax leins from my TU credit report.","date_sent_to_company":"2018-02-28T09:08:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27406","tags":null,"has_narrative":true,"complaint_id":"2827372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-02-28T03:35:52.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["XXXX and XXXX have both removed the 2 leins from my credit report based on this info, BUT Transunion <em>refuses</em> to delete the items and be in <em>compliance</em> with the new credit reporting law. Therefore, I have no choice but to file a formal compalint with you so that they can remove the <em>released</em> tax leins from my TU credit report."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Public record <em>information</em> inaccurate"]},"sort":[13.617765,"2827372"]},{"_index":"complaint-public-v1","_id":"6584854","_score":13.408157,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to get the verification process from the consumer credit reporting agency with no avail. This company has refused to give me the process. Since they won't release this information to me i assumed that the company listed on my consumer report is the furnisher. I sent the US Bankruptcy court a letter via us mail asking them if they gave my personal information to any consumer credit reporting agency. They sent a correspondence, and, in that letter, they said they did not give my personal information. I will attach the letter as evidence. For this reason, I demand that account is permanently deleted. I am also requesting that I receive {$1000.00} from XXXX under the 15 usc 1681n willful non-compliance.","date_sent_to_company":"2023-02-17T23:40:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"74133","tags":null,"has_narrative":true,"complaint_id":"6584854","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-17T23:19:04.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This company has <em>refused</em> to give me the process. Since they won't <em>release</em> this <em>information</em> to me i assumed that the company listed on my consumer report is the furnisher. I sent the US Bankruptcy court a letter via us mail asking them if they gave my personal <em>information</em> to any consumer credit reporting agency. They sent a correspondence, and, in that letter, they said they did not give my personal <em>information</em>. I will attach the letter as evidence."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.408157,"6584854"]},{"_index":"complaint-public-v1","_id":"6584814","_score":13.40606,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to get the verification process from the consumer credit reporting agency with no avail. This company has refused to give me the process. Since they won't release this information to me i assumed that the company listed on my consumer report is the furnisher. I sent the US Bankruptcy court a letter via us mail asking them if they gave my personal information to any consumer credit reporting agency. They sent a correspondence, and, in that letter, they said they did not give my personal information. I will attach the letter as evidence. For this reason, I demand that account is permanently deleted. I am also requesting that I receive {$1000.00} from XXXX under the 15 usc 1681n willful non-compliance.","date_sent_to_company":"2023-02-17T23:40:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"74133","tags":null,"has_narrative":true,"complaint_id":"6584814","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-02-17T23:40:37.000Z","state":"OK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This company has <em>refused</em> to give me the process. Since they won't <em>release</em> this <em>information</em> to me i assumed that the company listed on my consumer report is the furnisher. I sent the US Bankruptcy court a letter via us mail asking them if they gave my personal <em>information</em> to any consumer credit reporting agency. They sent a correspondence, and, in that letter, they said they did not give my personal <em>information</em>. I will attach the letter as evidence."]},"sort":[13.40606,"6584814"]},{"_index":"complaint-public-v1","_id":"16797250","_score":13.31252,"_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 <em>released</em> per federal timelines, and require BOA to provide a written explanation for altering the <em>release</em> date and <em>refusing</em> to honor the {$220.00} next-day availability rule."]},"sort":[13.31252,"16797250"]},{"_index":"complaint-public-v1","_id":"1345474","_score":13.286352,"_source":{"product":"Credit reporting","complaint_what_happened":"This issue is in reference to a public record for a tax lien that was released in XXXX. The West Virginia XXXX XXXX office failed to release the lien at the time of settlement. This was not completed until XXXX. The state office stated that it was not possible to retroactively change the release date in their computer systems. Instead, they noted the official court document with the correct date and provided me with a copy. \n\nI submitted disputes with the XXXX primary credit reporting agencies. XXXX of them accepted the updated court documents and immediately changed the entries. In XXXX ( XXXX years after the lien ), the entries dropped off as they should. \n\nEquifax refuses to change the release date and still report it as XXXX. This means that the record will remain on my credit report until XXXX. \n\nEven worse, the public record appears on their report in XXXX separate entries. There is XXXX using the court booking number ( beginning with XXXX ), the other using the state lien file number ( beginning with XXXX ). Everything is the same about these XXXX entries except for those XXXX numbers. The lien dollar amount, the date filed, the state it was filed from, the XXXX release date, the contact information for the state office are identical. \n\nMultiple disputes have been opened over the last two years. For all of them I either emailed, faxed, or physically mailed the updated court document with contact information for the Tax Compliance department. Several Equifax CSRs verbally confirmed that they see the correction on the document. They also confirmed that the public records are duplicated. Even so, the final investigation results dispute comes back with the same conclusion. \n\nI have followed Equifax process and received no resolution to my problem. At this point, I will have to seek legal counsel.","date_sent_to_company":"2015-04-24T14:04:11.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"80237","tags":null,"has_narrative":true,"complaint_id":"1345474","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2015-04-24T14:04:10.000Z","state":"CO","company_public_response":null,"sub_issue":"Public record"},"highlight":{"complaint_what_happened":["The lien dollar amount, the date filed, the state it was filed from, the XXXX <em>release</em> date, the contact <em>information</em> for the state office are identical. \n\nMultiple disputes have been opened over the last two years. For all of them I either emailed, faxed, or physically mailed the updated court document with contact <em>information</em> for the Tax <em>Compliance</em> department. Several Equifax CSRs verbally confirmed that they see the correction on the document."],"issue":["Incorrect <em>information</em> on credit report"]},"sort":[13.286352,"1345474"]},{"_index":"complaint-public-v1","_id":"14782118","_score":13.183655,"_source":{"product":"Checking or savings account","complaint_what_happened":"On [ XX/XX/XXXX ] Robinhood froze my brokerage and Spending accounts after receiving an IRS levy.\n\nThe levy was valid, but the amount was overstated because the IRS had no cost basis for equity sales reported on my XXXX return ( an automatically filed substitute return ). \n\n[ XX/XX/XXXX ] I contacted the IRS, supplied missing cost-basis information, and agreed to file the corrected return. \n\n[ XX/XX/XXXX ] Because I am now actively working with them, the IRS released the XXXX XXXX XXXX and mailed Form XXXX ( Release of Levy ) to Robinhoods address ( XXXX XXXX XXXX, XXXX XXXX CA XXXX ). \n\nThe IRS will fax the signed release immediately if Robinhood provides a fax number. Email is not permitted for levy releases.\n\nDespite multiple requests, Robinhood has refused to provide any fax number or confirm receipt of the mailed release. Its notice still says my assets will be liquidated and remitted within 20 days if no response is receivedeven though the IRS has already lifted the levy because I am in compliance.\n\nWhy this is abusive The levy has been formally released ; only Robinhoods refusal to accept the IRS fax ( or process its own mail ) keeps my funds frozen.\n\nMy brokerage and Spending balances are locked, blocking essential payments and accruing interest and penalties. \n\nForced liquidation would create unnecessary taxable events and additional financial harm that could be entirely avoided. \n\nWhat I need Provide the IRS with a fax number within 24 hours or immediately process the mailed Form 668-D.\n\nLift all restrictions and cancel any liquidation plans as soon as the release is on file.\n\nReimburse all financial losses ( late fees, interest, missed-opportunity cost ) resulting from this wrongful freeze.","date_sent_to_company":"2025-07-21T07:57:28.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"80206","tags":null,"has_narrative":true,"complaint_id":"14782118","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2025-07-21T07:07:35.000Z","state":"CO","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Despite multiple requests, Robinhood has <em>refused</em> to provide any fax number or confirm receipt of the mailed <em>release</em>. Its notice still says my assets will be liquidated and remitted within 20 days if no response is receivedeven though the IRS has already lifted the levy because I am in <em>compliance</em>.\n\nWhy this is abusive The levy has been formally <em>released</em> ; only Robinhoods refusal to accept the IRS fax ( or process its own mail ) keeps my funds frozen."]},"sort":[13.183655,"14782118"]},{"_index":"complaint-public-v1","_id":"12221649","_score":13.141719,"_source":{"product":"Debt collection","complaint_what_happened":"I called to request information on where I gave orthopedic to release my personal information, and I asked to show me where I approved of my personal information getting sent to a third party and they refused my request and are not in compliance with law 15 USC 6802, so I am writing to formally notify you of concerns regarding the potential non-compliance of [ XXXX XXXX XXXX ] with 15 USC 6802, part of the Gramm-Leach-Bliley Act ( GLBA ). As per the provisions of the GLBA, businesses are required to ensure the confidentiality and security of nonpublic personal information ( NPI ) and adhere to specific privacy practices and disclosures. \n\nThe act mandates that financial institutions implement privacy notices, disclose their information-sharing practices, and provide consumers with the opportunity to opt out of certain information-sharing practices. \n\nIt appears that your company XXXX not be fully adhering to the following requirements as stipulated in 15 USC 6802 : Providing clear and conspicuous privacy notices to consumers. \nXXXX XXXX options where applicable to consumers regarding the sharing of nonpublic personal information. \nEnsuring security measures are in place to protect consumer information. \nI urge you to take immediate steps to ensure full compliance with 15 USC 6802 to protect consumer rights and avoid potential legal and regulatory penalties.","date_sent_to_company":"2025-02-27T01:00:53.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"76016","tags":null,"has_narrative":true,"complaint_id":"12221649","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Franklin Collection Service, Inc.","date_received":"2025-02-27T00:52:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I called to request <em>information</em> on where I gave orthopedic to <em>release</em> my personal <em>information</em>, and I asked to show me where I approved of my personal <em>information</em> getting sent to a third party and they <em>refused</em> my request and are not in <em>compliance</em> with law 15 USC 6802, so I am writing to formally notify you of concerns regarding the potential non-<em>compliance</em> of [ XXXX XXXX XXXX ] with 15 USC 6802, part of the Gramm-Leach-Bliley Act ( GLBA )."]},"sort":[13.141719,"12221649"]},{"_index":"complaint-public-v1","_id":"13778789","_score":12.989259,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"has placed an account hold on our small telehealth business and is currently withholding thousands of dollars in legitimate customer payments without any specific explanation or policy violation. We use Squares platform to create and send payment links directly so all transactions occur within their system. \n\nOn or around XX/XX/year>, Square requested verification, which we provided promptly, including a government-issued ID and a formal business statement. Despite this, our funds remain inaccessible and we have not received a timeline for resolution. Customer payments are being held indefinitely, which is disrupting our ability to fulfill active wellness orders. \n\nWe contacted Square by phone on XX/XX/year>, and were told : There is no option to speak with a risk or compliance representative directly No update could be given on the status of our case No information is available on whether our documents have even been reviewed Square is refusing to provide any specific reasoning for the hold, a timeline for release, or any point of contact to escalate this further yet continues to hold funds from paying customers that were processed without error. \n\nThis is now interfering with our ability to operate, fulfill orders, and meet patient care obligations. If there has been no violation of Squares terms, we believe this may constitute an unlawful delay and unfair business practice.\n\nWe are requesting : Immediate review and release of our held funds Written confirmation of any concerns or flags on the account A direct contact from the risk or compliance team","date_sent_to_company":"2025-05-30T00:00:43.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"13778789","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-05-29T23:55:21.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We contacted Square by phone on XX/XX/year>, and were told : There is no option to speak with a risk or <em>compliance</em> representative directly No update could be given on the status of our case No <em>information</em> is available on whether our documents have even been reviewed Square is <em>refusing</em> to provide any specific reasoning for the hold, a timeline for <em>release</em>, or any point of contact to escalate this further yet continues to hold funds from paying customers that were processed without error."]},"sort":[12.989259,"13778789"]},{"_index":"complaint-public-v1","_id":"17926117","_score":12.907676,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"CFPB COMPLAINT XXXX  HOLDING MY FUNDS WITHOUT EXPLANATION Company : XXXX  ( PayPal, Inc. ) What Happened ( Full Description ) XXXX  suspended my account on XX/XX/year> and permanently disabled it on XX/XX/year> without providing any clear or legitimate reason. During this time, XXXX  placed a hold on my funds totaling {$99.00}, which they are still refusing to release. \nXXXX  claimed there was suspicious activity, and I completed the entire verification process, including all identity and documentation requests. After completing verification, my account was still permanently disabled without explanation, and my funds remained held. \nI contacted XXXX  support multiple times, and I was met with : Rude and dismissive responses Inconsistent and contradictory information A representative falsely claiming that a complaint had been filed on my behalf when it had not No explanation of why my account was disabled No reason for why my money is being held XXXX  has given me no : Written explanation Dispute notice Compliance information Timeline Clear path to resolve the issue Additionally, I believe XXXX actions may be retaliatory. \nAfter I attempted to file a complaint and questioned their handling of my account, the tone of customer service changed dramatically, and shortly after that interaction, my account was permanently disabled. The timing suggests that XXXX  may have taken adverse action simply because I pushed back and tried to escalate the issue. \nWhy I Am Filing a Complaint XXXX  actions appear to violate their own stated policies. Their help center says : Seller-related payment holds are released in 21 days Account freezes should be resolved once verification is submitted They do not list any policy explaining indefinite or unexplained multi-month holds Despite this, XXXX  is permanently disabling my account and refusing to release my {$99.00}. \nOther consumers have filed similar complaints describing : Accounts frozen or disabled without explanation Funds held for long periods without clear reasoning Verification completed but money still withheld Inaccurate or misleading responses from customer service This shows a potential pattern of unfair and deceptive practices. \nConsumer Harm XXXX  is withholding funds that belong to me without providing any transparency, justification, or path to resolution. Their sudden permanent account disabling after my attempt to file a complaint raises concerns about unfair retaliation. This has caused financial stress, uncertainty, and significant inconvenience despite my compliance with all verification requirements.","date_sent_to_company":"2025-12-03T00:30:00.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"95341","tags":null,"has_narrative":true,"complaint_id":"17926117","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-12-03T00:20:09.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Their help center says : Seller-related payment holds are <em>released</em> in 21 days Account freezes should be resolved once verification is submitted They do not list any policy explaining indefinite or unexplained multi-month holds Despite this, XXXX  is permanently disabling my account and <em>refusing</em> to <em>release</em> my {$99.00}."]},"sort":[12.907676,"17926117"]},{"_index":"complaint-public-v1","_id":"22445401","_score":12.827623,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding Regions Bank 's handling of my account closure, disclosure of my private banking information, and continued withholding of my account funds. Regions Bank informed me that my account was being closed allegedly due to unresolved issues with XXXX XXXX XXXX. I was then informed that my remaining balance would not be released for approximately XXXX weeks by mailed check. \nIn connection with this closure, an internal email was distributed to numerous employees that included. my full name, my full bank account number, account closure details, and statements regarding alleged unresolved issues with Early Warning Services. \nI am concerned that this disclosure exceeded any legitimate business necessity and improperly exposed my nonpublic personal financial information to individuals who may not have been authorized to receive it. The disclosure of my full account number and potentially prejudicial information raises serious concerns regarding compliance with consumer privacy obligations and safeguarding requirements under federal banking laws and regulations.\n\nAdditionally, I urgently require access to my funds for living expenses and bills. Regions Bank has refused to provide any expedited method for releasing my remaining balance despite no explanation being provided that would legally justify continued withholding of my funds.","date_sent_to_company":"2026-05-21T20:25:32.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"29646","tags":null,"has_narrative":true,"complaint_id":"22445401","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2026-05-21T20:16:47.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Regions Bank has <em>refused</em> to provide any expedited method for <em>releasing</em> my remaining balance despite no explanation being provided that would legally justify continued withholding of my funds."]},"sort":[12.827623,"22445401"]},{"_index":"complaint-public-v1","_id":"18981308","_score":12.72237,"_source":{"product":"Prepaid card","complaint_what_happened":"On XX/XX/year>, a dispute on my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was resolved in my favor, and permanent credits were issued. Despite this, the funds have not been made available in my XXXX balance. \n\nMultiple support agents provided conflicting and misleading information, including : Stating the dispute was not found in my favor, even though confirmation emails show otherwise. \nClaiming the matter is still under investigation or can not be expedited, which is legally irrelevant since the dispute was resolved permanently. \nRefusing to provide the exact total owed, compliance/escalation reference number, or written confirmation of transfer. \n\nI repeatedly requested the immediate release of funds, including exact totals, compliance references, and confirmation of transfer. The company failed to provide any of this information and continued to stall, which I believe constitutes willful non-compliance with federal regulations ( Regulation E 1005.11, EFTA 1693, and Regulation Z 1026 ).\n\nAll communications, including live chat transcripts and emails, have been fully documented and preserved as evidence. I am seeking immediate resolution and regulatory review to ensure access to my legally owed funds and investigation of the companys practices.","date_sent_to_company":"2026-01-24T16:15:46.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"763XX","tags":null,"has_narrative":true,"complaint_id":"18981308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Foris DAX, Inc.","date_received":"2026-01-24T16:08:21.000Z","state":"TX","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["I repeatedly requested the immediate <em>release</em> of funds, including exact totals, <em>compliance</em> references, and confirmation of transfer. The company failed to provide any of this <em>information</em> and continued to stall, which I believe constitutes willful non-<em>compliance</em> with federal regulations ( Regulation E 1005.11, EFTA 1693, and Regulation Z 1026 ).\n\nAll communications, including live chat transcripts and emails, have been fully documented and preserved as evidence."]},"sort":[12.72237,"18981308"]},{"_index":"complaint-public-v1","_id":"14268960","_score":12.603955,"_source":{"product":"Checking or savings account","complaint_what_happened":"Timeline & facts ( no personal identifiers ) : XXXX : A Fedwire credit of US {>= $1,000,000} ( XXXX XXXX ) was received in my checking account at Frost Bank XXXX XXXX, TX branch XXXX. The wire shows Originator : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX ( via XXXX XXXX XXXX  XXXX, XXXX XXXX ). \nOnline banking displayed the funds as available ; no large-deposit or XXXX hold notice was given. \n\nXXXX : Without advance notice the entire balance was placed in restricted status. No written explanation, callback, or court/agency order was provided. Customer-service agents could only say Compliance is reviewing the transaction. \n\nXXXX ( XXXX PM XXXX ) : I sent a formal demand under Texas Bus. & XXXXommerce Code 4A-404 ( a ) - ( b ) to Frosts Chief Compliance Officer, General Counsel, branch manager, and published compliance inbox. I requested Release date and payout method ; Full transaction report ( originator name, sending bank, Fedwire reference & value date ) ; Any legal or regulatory basis for the hold. \nI gave 48 hours to respond before contacting regulators. \n\nXXXX ( XXXX XXXX  XXXX ) : Frost replied via e-mail ( signed XXXX, XXXX Banking ) stating only that my general assistance request lacked information and directing me to call their 24-hour phone line. The response ignored XXXX, did not release the funds, and refused to disclose the sending bank or any hold authority. \n\nCurrent status ( date of this filing ) : Funds remain frozen. \nFrost will not confirm whether the wire was recalled, blocked, or simply under internal review. \nI can not obtain the legally required beneficiary notice or the originators details, hindering tax and record-keeping obligations. \nMultiple payments dependent on this wire have been missed, causing late fees and reputational harm. \n\nWhy I believe this violates federal or state law UCC Article 4A ( 4A-404 ) : Once a wire is accepted, the beneficiarys bank must pay or make the funds available and must provide a notice reasonably identifying the payment order. Frost accepted the wire on XXXX but has not paid or provided notice. \n\nReg P / GLBA privacy rules : Frost is permitted to share wire-originator data with me as the beneficiary but refuses.\n\nNo written hold notice : Unlike Reg CC holds on checks, wires have no large-deposit exception ; if the bank is using a XXXX review it must still release or reverse promptly, not freeze indefinitely without reason.\n\nSteps I have taken Repeated phone calls to branch & customer service.\n\nE-mailed formal demand to Frosts compliance & legal departments.\n\nAsked Frost to initiate a Fedwire payment trace or request-for-reversal to confirm authorization ; no action taken. \n\nResolution requested Immediate release of the US {>= $1,000,000} to my account, or, if a lawful block exists, written documentation of that block ( e.g., OFAC hold, court order, or originator recall ). \n\nFull transaction documentation ( originating bank, originator name, XXXX reference/value date ). \n\nStatutory interest from XXXX until funds are released. \n\nWritten assurance that no adverse action will be taken against my account for pursuing my rights. \n\nI am filing this complaint to secure those rights and to prevent further financial harm.","date_sent_to_company":"2025-06-24T18:02:18.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75010","tags":null,"has_narrative":true,"complaint_id":"14268960","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CULLEN/FROST BANKERS, INC.","date_received":"2025-06-24T17:19:14.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["XXXX ( XXXX XXXX  XXXX ) : Frost replied via e-mail ( signed XXXX, XXXX Banking ) stating only that my general assistance request lacked <em>information</em> and directing me to call their 24-hour phone line. The response ignored XXXX, did not <em>release</em> the funds, and <em>refused</em> to disclose the sending bank or any hold authority. \n\nCurrent status ( date of this filing ) : Funds remain frozen. \nFrost will not confirm whether the wire was recalled, blocked, or simply under internal review."]},"sort":[12.603955,"14268960"]},{"_index":"complaint-public-v1","_id":"5197084","_score":12.463984,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond they stated only once that I authorized a company to release their information. when I requested the proof of that document they refused to send it and stopped responding. there is more than one account with this company. \nmy last letter is sent was along the line of This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. \nFederal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.","date_sent_to_company":"2022-02-08T09:43:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30277","tags":null,"has_narrative":true,"complaint_id":"5197084","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Merchants Adjustment Service, Inc.","date_received":"2022-02-08T04:12:26.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["They have neglected to respond and remove this account for failure to respond they stated only once that I authorized a company to <em>release</em> their <em>information</em>. when I requested the proof of that document they <em>refused</em> to send it and stopped responding. there is more than one account with this company. \nmy last letter is sent was along the line of This letter is formal notice that you have failed to respond in a timely manner to my 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