{"took":124,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":90,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4700233","_score":26.795818,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I called experian around the XXXX of XXXX and requested no more marketing from Experian. My request was not respected as Experian continues to market to me even after requesting no further marketing. They are marketing credit cards that I don't want or need, and they are marketing credit services and protection from identity theft. Experian should not charge a consumer a single XXXX to keep their information secure. It is extortion to create a record and then make consumers pay to keep it private. It feels like mob Protection money, and should be illegal.\n\nReguarding continued marketing after a request to cease, that is indeed illegal. Please cease and desist with any further advertising, including but not limited to emails, phone calls, and website offers, and postal advertising. \n\nThis is an official record of the request, any further violation will be concidered harassment. \n\nAttached is a record of Experian continues attempts at marketing after a request to cease and desist was made. Also the website has me decline \" free '' services with every log in ... services that are not really free, as credit card info is collected and used at a later date.","date_sent_to_company":"2021-09-07T22:30:02.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"4700233","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-09-07T21:57:53.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Also the website has me decline \" free '' services with every log in ... services that are not really free, as <em>credit</em> <em>card</em> info is collected and used at a later date."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[26.795818,"4700233"]},{"_index":"complaint-public-v1","_id":"17888104","_score":23.964087,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX General-purpose credit card or charge card Advertising and marketing, including promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company Responded XXXX XXXX XXXX General-purpose credit card or charge card Advertising and marketing, including promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company responded My credit card Ending with XXXX was approved by American Express in XX/XX/year>. I compiled all conditions but my account was not credited with Bonus miles. American Express record shows that my Credit card Ending with XXXX and My wife XXXX credit card ending with XXXX which was approved couple years ago are on the same social security number so they ask me to provide mine and my wife 's Govt Photo ID copies and mine and my wife 's copies of social security cards front and back. I provided all the proofs showing two different person. As per my knowledge it's not safe to provide copies of the social security card to any credit card company. so I request CFPB please let me know it's safe and legal to provide copies of the social security card to credit card company. If American Express consider US income tax return which will show two different social security no. I will provide that, it's a govt document. \nI filed above two complaint with CFPB but company answer is same. So I request American Express please provide me the copy of my wife 's original application on which Credit card XXXX was approved","date_sent_to_company":"2025-12-03T00:31:36.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"01876","tags":"Older American","has_narrative":true,"complaint_id":"17888104","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-12-03T00:05:10.000Z","state":"MA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX General-purpose <em>credit</em> <em>card</em> or charge <em>card</em> <em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company Responded XXXX XXXX XXXX General-purpose <em>credit</em> <em>card</em> or charge <em>card</em> <em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company responded My <em>credit</em> <em>card</em> Ending with XXXX was approved by American Express in XX/XX/year>."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[23.964087,"17888104"]},{"_index":"complaint-public-v1","_id":"21867540","_score":23.35753,"_source":{"product":"Credit card","complaint_what_happened":"I entered into a verbal agreement with XXXX XXXX XXXX for a premium hospitality and advertising package during the XXXX XXXX XXXX XXXX at XXXX XXXX. The agreement included a branded space, advertising exposure through rollover banners, and related marketing benefits. \nI proceeded with multiple payments across different credit card accounts based on these representations. \nWhile the services initially began, the merchant removed the approved advertising banners after the second event without justification. This action eliminated the primary purpose of the purchase, which was brand exposure. \nI attempted to resolve the issue directly with the merchant, but no refund, credit, or corrective action was provided. \nI then disputed the charges with my financial institutions, including XXXX, Capital One, and XXXX XXXX XXXX XXXX. However, the disputes were denied or not properly investigated. The institutions failed to clearly explain their decisions or identify what documentation was missing. \nAs a result, I am seeking a full reversal of the charges because the services were not rendered as described and the core value of the transaction was not delivered.","date_sent_to_company":"2026-05-04T21:37:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33032","tags":null,"has_narrative":true,"complaint_id":"21867540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-05-04T20:53:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I entered into a verbal agreement with XXXX XXXX XXXX for a premium hospitality and <em>advertising</em> package during the XXXX XXXX XXXX XXXX at XXXX XXXX. The agreement included a branded space, <em>advertising</em> exposure through rollover banners, and related <em>marketing</em> benefits. \nI proceeded with multiple payments across different <em>credit</em> <em>card</em> accounts based on these representations."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[23.35753,"21867540"]},{"_index":"complaint-public-v1","_id":"20830886","_score":23.031054,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting a complaint regarding a {$5500.00} credit card transaction processed on XX/XX/year>, with XXXX XXXX XXXX XXXX for a marketing program called XXXX XXXX. The payment was made using my Citibank credit card. \n\nThe service was sold to me after an initial phone call followed by a one-on-one XXXX  sales call, where I was promised a complete marketing system and a guaranteed minimum of XXXX fully closed and booked clients per month. Based on these representations, I proceeded with the purchase. \n\nThe company failed to deliver the promised services. No clients were generated, and most of the services outlined in the agreementincluding marketing setup, advertising management, and lead generationwere not performed or only minimally attempted. Additionally, the agreement specified that {$3000.00} of the payment would be allocated toward advertising spend, but the merchant has refused to provide any documentation, invoices, or reports showing how these funds were used. \n\nAfter attempting to resolve the matter directly, I sent a formal demand letter requesting documentation and a refund under the contractual guarantee. The merchant ceased communication and blocked further contact. \n\nI filed a dispute with Citibank for services not rendered. The bank denied the dispute, relying on the merchants submission of a contract and refund policy, but did not adequately consider the lack of evidence that any services were actually performed or that the advertising funds were used as stated. \n\nI requested that the dispute be reopened and provided additional documentation, including the contract, correspondence, and evidence of non-delivery. The merchant responded again by referencing the contract terms but still did not provide proof of service delivery. \n\nThis is not a dispute about dissatisfaction or contract terms. This is a case where the merchant failed to deliver the core services that were purchased and has refused to provide documentation supporting their claims. \n\nI am requesting that Citibank properly review this matter as a billing error involving services not rendered under the Fair Credit Billing Act and reconsider the denial of my dispute based on the full set of evidence provided.","date_sent_to_company":"2026-04-01T01:14:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"109XX","tags":null,"has_narrative":true,"complaint_id":"20830886","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-04-01T00:35:13.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am submitting a complaint regarding a {$5500.00} <em>credit</em> <em>card</em> transaction processed on XX/XX/year>, with XXXX XXXX XXXX XXXX for a <em>marketing</em> program called XXXX XXXX. The payment was made using my Citibank <em>credit</em> <em>card</em>. \n\nThe service was sold to me after an initial phone call followed by a one-on-one XXXX  sales call, where I was promised a complete <em>marketing</em> system and a guaranteed minimum of XXXX fully closed and booked clients per month."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[23.031054,"20830886"]},{"_index":"complaint-public-v1","_id":"8687660","_score":22.410769,"_source":{"product":"Credit card","complaint_what_happened":"I opened an XXXX  XXXX XXXX XXXX Credit Card from Bank of America in XX/XX/2024. The Bank of America application page does not mention that the annual fee of {$95.00} will be charged right after opening the credit card. I opened the credit card, assuming the yearly fee would be charged on the 1st anniversary since the date of the annual fee charge was specified on the application page. Also, by pressing the \" terms and conditions '' link on the application page, there is no way to find that the annual fee is charged the first month after opening the credit card. The \" Annual fee '' tab says {$95.00}, without referencing what would occur in the first year rather than the one year since opening the credit card ( as I thought ). I do believe that is utterly misleading advertising. I opened the credit card thoroughly convinced that the annual fee would have been charged one year after opening. I contacted Bank of America, and they refused to waive the fee for the first year. \n\nCalifornias False Advertising Law Californias False Advertising Law ( FAL ) prohibits any company or individual from making false statements or statements likely to mislead consumers about the nature of a product or service. The FAL often overlaps substantially with the UCL. \n\nCalifornias Consumers Legal Remedies Act Californias Consumers Legal Remedies Act ( CLRA ) prohibits unfair marketing practices, including misleading labels, vagueness, and outright deception. The CLRA doesnt prohibit all types of false advertising but only applies to a specific list of enumerated violations ( such as false designations of geographic origin ).","date_sent_to_company":"2024-04-03T23:04:39.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"94110","tags":null,"has_narrative":true,"complaint_id":"8687660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-04-03T22:46:54.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Californias Consumers Legal Remedies Act Californias Consumers Legal Remedies Act ( CLRA ) prohibits unfair <em>marketing</em> practices, <em>including</em> misleading labels, vagueness, and outright deception. The CLRA doesnt prohibit all types of false <em>advertising</em> but only applies to a specific list of enumerated violations ( such as false designations of geographic origin )."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[22.410769,"8687660"]},{"_index":"complaint-public-v1","_id":"3537053","_score":21.381569,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2020 I applied for the XXXX Mastercard that is advertised at the link here : XXXX XXXX XXXX. \n\nThe XXXX Mastercard is clearly advertised as \" If Approved, Make a Purchase Immediately. '' After completing the online application through Synchrony Bank, I had to call in to the 800 number listed to confirm security details. This process seemed ordinary, so I answered the questions respectfully and in full. Upon finishing the questions, I was approved for the credit card. \n\nGreat news! I was ready to begin using my new card immediately. However, when asked how this was possible, the agent, XXXX, informed me that it was NOT possible to make a purchase immediately. \n\nWhile he did understand that the marketing of the product clearly and undoubtedly states that the consumer would be able to \" Make a Purchase Immediately '' - he stated that there were several different cards that this could be referring to. Upon further clarification that there is only one XXXX Mastercard that I applied for and was approved for, XXXX stated that the marketing was correct because \" I would be able to use the card immediately after receiving the physical card in XXXX days. '' Upon escalating the situation to a supervisor, XXXX, it was clear that Synchrony Bank is specifically aware of the false advertising of the card, and that they were unwilling to provide any reasonable solution for the consumer. \n\nI suggested to XXXX that a reasonable solution would be to overnight or express ship the physical card to my address. While this is not \" immediate, '' I felt that it would be a fair way to mitigate the situation. XXXX refused to have the card express shipped and agreed, without question, that I had been misled by the marketing of this product. \n\nUnfortunately, there is no way to go back in time and un-run my credit report or take back my social security number. However, Synchrony Bank is specifically at fault for this situation for a ) including misleading or incomplete marketing information to advertise their XXXX Mastercard, and b ) failing to provide a reasonable level of customer service by expediting the delivery of the card.","date_sent_to_company":"2020-02-19T20:13:41.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"11238","tags":null,"has_narrative":true,"complaint_id":"3537053","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2020-02-19T19:49:04.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["However, Synchrony Bank is specifically at fault for this situation for a ) <em>including</em> misleading or incomplete <em>marketing</em> information to advertise their XXXX Mastercard, and b ) failing to provide a reasonable level of customer service by expediting the delivery of the <em>card</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[21.381569,"3537053"]},{"_index":"complaint-public-v1","_id":"21163680","_score":21.340631,"_source":{"product":"Credit card","complaint_what_happened":"Focus : consumer financial harm, reliance on marketing, Regulation Z. \n\nSubject : Complaint Misleading Marketing of Chase XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am submitting this complaint regarding materially misleading marketing by Chase Bank for XXXX XXXX XXXX credit card and the impact on the advertised XXXX welcome bonus. \n\nIssue : Marketing stated that the XXXX XXXX card could be used immediately in-store and online, including via XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX. No card-specific disclosures indicated limitations requiring physical card receipt for online wallet use. \nI attempted multiple times to add the card to online wallets using mobile and web platforms. Across multiple merchant types ( travel, retail, clothing ), the card never appeared in my XXXX XXXX to even attempt a purchase. Their phone representatives confirmed I had added the card correctly to my wallet. It did appear in the wallet for tap to pay only, not online purchases, as advertised. \nA second tier Chase representative confirmed that online wallet functionality would not work until the physical card was received, while stating that certain merchants may not be supported, without disputing that it failed for all online merchants. Tier 3 escalation was due to a time-sensitive purchase. No other option to complete the purchase was provided. I was forced to use another banks card, preventing me from meeting the XXXX bonus requirement. \nChases Digital Wallet Terms confirm that the issuer controls eligibility and can block transactions, meaning this limitation is the responsibility of Chase, not XXXX or XXXX. \nRegulatory Basis : Regulation Z ( 12 CFR 1026.16 ) : Advertising must clearly disclose material conditions affecting promotional offers.\n\nUDAAP : Misleading marketing constitutes unfair or deceptive acts.\n\nImpact : The undisclosed limitation prevented me from using the card online and earning the advertised bonus, despite reasonable reliance on Chases marketing. \n\n\nSincerely, XXXX XXXX ATTACHMENT : Copy of the time sensitive purchase that I exhausted all available avenues with Chase to complete with the Sapphire Card but could not due to their undisclosed limitations that they are in fact in control of. \n\nInteraction Timeline : Called XX/XX/year> Email to CEO XX/XX/year> Complaint reply received : Reference Number : XXXX XX/XX/year> I responded to their reply via email : XX/XX/year> Final response from Chase received XXXX XX/XX/year>","date_sent_to_company":"2026-04-11T19:53:50.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"754XX","tags":null,"has_narrative":true,"complaint_id":"21163680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-04-11T19:32:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Focus : consumer financial harm, reliance on <em>marketing</em>, Regulation Z. \n\nSubject : Complaint Misleading <em>Marketing</em> of Chase XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am submitting this complaint regarding materially misleading <em>marketing</em> by Chase Bank for XXXX XXXX XXXX <em>credit</em> <em>card</em> and the impact on the advertised XXXX welcome bonus. \n\nIssue : <em>Marketing</em> stated that the XXXX XXXX <em>card</em> could be used immediately in-store and online, <em>including</em> via XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[21.340631,"21163680"]},{"_index":"complaint-public-v1","_id":"21540008","_score":21.313501,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a formal complaint with the Consumer Financial Protection Bureau regarding three credit card accounts that has been placed into collections, which I believe stems from misleading and deceptive advertising and marketing practices by the credit card company. \nAt the time I applied for and opened these accounts, I relied on the representations made in the companys advertising and promotional materials. These materials led me to believe that the terms of the accounts- including interest rates, fees, and/or promotional offers would be more favorable and transparent than what I ultimately experienced. The disclosures provided were unclear, incomplete, or presented in a way that was misleading. As a result of these misrepresentations, I was not fully informed of the true cost and conditions of the accounts. This directly contributed to unexpected charges, increased balances, and financial hardship, ultimately leading to the accounts being placed in collections. I believe these actions may constitute violations of federal consumer protection laws, including the Truth in Lending Act ( TILA ), which requires clear and accurate disclosure of credit terms, as well as prohibitions against unfair, deceptive, or abusive acts or practices. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action. Specifically, I am seeking : A full review of the credit card companies advertising and disclosure practices related to my accounts. \nVerification of accuracy and legality of the charges and fees applied.\n\nRemoval of any negative reporting related to these accounts if it is found to be the result of misleading practices. \nAppropriate relief to address the financial harm caused. \nThis situation has negatively impacted my credit profile and financial stability. I am requesting a fair resolution and accountability for the practices that led to this issue. \nPlease keep me informed of the status of this complaint and provide written confirmation of any findings or actions taken. \nXXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-04-23T20:21:45.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"28401","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"21540008","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2026-04-23T19:54:33.000Z","state":"NC","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I am filing a formal complaint with the Consumer Financial Protection Bureau regarding three <em>credit</em> <em>card</em> accounts that has been placed into collections, which I believe stems from misleading and deceptive <em>advertising</em> and <em>marketing</em> practices by the <em>credit</em> <em>card</em> company. \nAt the time I applied for and opened these accounts, I relied on the representations made in the companys <em>advertising</em> and promotional materials."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[21.313501,"21540008"]},{"_index":"complaint-public-v1","_id":"21538166","_score":21.305414,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a formal complaint with the Consumer Financial Protection Bureau regarding three credit card accounts that has been placed into collections, which I believe stems from misleading and deceptive advertising and marketing practices by the credit card company. \nAt the time I applied for and opened these accounts, I relied on the representations made in the companys advertising and promotional materials. These materials led me to believe that the terms of the accounts- including interest rates, fees, and / or promotional offers would be more favorable and transparent than what I ultimately experienced. The disclosure provided were unclear, incomplete, or presented in a way that was misleading. As a result of these misrepresentations, I was not fully informed of the true cost and conditions of the accounts. This directly contributed to unexpected charges, increased balances, and financial hardship, ultimately leading to the account being placed in collections. I believe these actions may constitute violations of federal consumer protection laws, including the Truth in Lending Act ( TILA ), which requires clear and accurate disclosure of credit terms, as well as prohibitions against unfair, deceptive, or abusive acts or practices. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action. Specifically, I am seeking : A full review of the credit card companies advertising and disclosure practices related to my accounts. \nVerification of accuracy and legality of the charges and fees applied. \nRemoval of any negative reporting related to these accounts if it is found to be the result of misleading practices. \nAppropriate relief to address the financial harm caused. \nThe situation has negatively impacted my credit profile and financial stability. I am requesting a fair resolution and accountability for the practices that led to this issue. \nPlease keep me informed of the status of this complaint and provide written confirmation of any findings or actions taken. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Sincerely XXXX XXXX XXXX","date_sent_to_company":"2026-04-23T19:40:04.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"28401","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"21538166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2026-04-23T19:06:31.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I am filing a formal complaint with the Consumer Financial Protection Bureau regarding three <em>credit</em> <em>card</em> accounts that has been placed into collections, which I believe stems from misleading and deceptive <em>advertising</em> and <em>marketing</em> practices by the <em>credit</em> <em>card</em> company. \nAt the time I applied for and opened these accounts, I relied on the representations made in the companys <em>advertising</em> and promotional materials."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[21.305414,"21538166"]},{"_index":"complaint-public-v1","_id":"21523036","_score":21.283722,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a formal complaint with the Consumer Financial Protection Bureau regarding three credit card accounts that has been placed into collections, which I believe stems from misleading and deceptive advertising and marketing practices by the credit card company.\n\nAt the time I applied for and opened these accounts, I relied on the representations made in the companys advertising and promotional materials. These materials led me to believe that the terms of the accounts- including interest rates, fees, and/or promotional offers would be more favorable and transparent than what I ultimately experienced. The disclosures provided were unclear, incomplete, or presented in a way that was misleading. As a result of these misrepresentations, I was not fully informed of the true cost and conditions of the accounts. This directly contributed to unexpected charges, increased balances, and financial hardship, ultimately leading to the account being placed in collections. I believe these actions may constitute violations of federal consumer protection laws, including the Truth in Lending Act ( TILA ), which requires clear and accurate disclosure of credit terms, as well as prohibitions against unfair, deceptive, or abusive acts or practices. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action. Specifically, I am seeking : A full review of the the credit card companies advertising and disclosure practices related to my accounts Verification of accuracy and legality of the charges and fees applied Removal of any negative reporting related to these accounts if it is found to be the result of misleading practices.\n\nAppropriate relief to address the financial harm caused.\n\nThi situation has negatively impacted my credit profile and financial stability. I am requesting a fair resolution and accountability for the practices that led to this issue.\n\nPlease keep me informed of the status of this complaint and provide written confirmation of any findings or actions taken.\n\nCredit Cards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-04-23T13:40:34.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"28401","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"21523036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-04-23T12:42:01.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["I am filing a formal complaint with the Consumer Financial Protection Bureau regarding three <em>credit</em> <em>card</em> accounts that has been placed into collections, which I believe stems from misleading and deceptive <em>advertising</em> and <em>marketing</em> practices by the <em>credit</em> <em>card</em> company.\n\nAt the time I applied for and opened these accounts, I relied on the representations made in the companys <em>advertising</em> and promotional materials."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[21.283722,"21523036"]},{"_index":"complaint-public-v1","_id":"5271454","_score":21.051626,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I opted out of marketing messages. Synchrony is sending me multiple marketing messages and disguising them as account information. the information contained is clearly marketing for their product. I emailed and called them to ask them to stop the marketing messages and they did not respond. This is an attempt to get around consumer laws. \n\nEmail XXXX XXXX  : XXXX XXXX For your account ending in : XXXX Dear XXXX XXXX : We wanted to let you know about everyday financing options available on your Amazon.com Store Card or XXXX XXXX XXXX Card account. As a cardholder, you are eligible for one of the following deferred interest financing options when you make a qualifying purchase with your store card : No Interest if Paid in Full Within 6, 12 or 24 Months. \n\nFor the financing offers described above, if the balance ( which includes the financing offer purchase amount and related optional debt cancellation charges ) is not paid in full within the offer period, interest will be imposed from the date of purchase at the variable APR that applies to new purchases made on your account when the financing offer purchase is made, which as of XX/XX/2021, is the variable APR of 25.99 %.\n\nMinimum monthly payments are required. Regular account terms apply to non-financing offer purchases and to financing offer purchases after offer period ends. Offers are subject to credit approval. This is only a summary of key terms. Please see any financing offer advertising or other disclosures provided to you for the full terms of any financing options offered and keep this notice for your records. \n\nTo learn more about everyday financing offer benefits with the Amazon.com Store Card, including special financing and Equal Pay financing, please visit www.amazon.com/financing.\n\nWe look forward to continuing to service your Amazon.com Store Card or XXXX XXXX XXXX Card account. \n\nThank you for your business. \n\nSynchrony Bank","date_sent_to_company":"2022-03-01T05:47:59.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"85209","tags":null,"has_narrative":true,"complaint_id":"5271454","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-03-01T00:43:46.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Offers are subject to <em>credit</em> approval. This is only a summary of key terms. Please see any financing offer <em>advertising</em> or other disclosures provided to you for the full terms of any financing options offered and keep this notice for your records. \n\nTo learn more about everyday financing offer benefits with the Amazon.com Store <em>Card</em>, <em>including</em> special financing and Equal Pay financing, please visit www.amazon.com/financing."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[21.051626,"5271454"]},{"_index":"complaint-public-v1","_id":"3353355","_score":20.58422,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"i got a notice that I had till XX/XX/XXXX to respond - i am working on my response since the problem is now going into it's second year and i paid the disputed amount to the store just to stop the penalties and late fees for an item i did not order, sent back and was charged for, i havve spent hours of time and postage in trying to get a resolution to their stealing my money and now want almost {$200.00} from me for an item i did not order, returned, and gave up and paid for - a bit {$9.00}. \nthis is shameful. \n\nYou have 60 days from when the company responded to your complaint to provide feedback. You now have until XX/XX/XXXX to complete it. \nCOMPLAINT ID XXXX-XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Advertising and marketing, including promotional offers","date_sent_to_company":"2019-08-27T19:19:23.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"10003","tags":null,"has_narrative":true,"complaint_id":"3353355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2019-08-26T00:48:49.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX-XXXX SUBMITTED ON XX/XX/XXXX PRODUCT <em>Credit</em> <em>card</em> or prepaid <em>card</em> ISSUE <em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[20.58422,"3353355"]},{"_index":"complaint-public-v1","_id":"15194572","_score":20.52796,"_source":{"product":"Credit card","complaint_what_happened":"I applied for and was approved for the Delta Reserve American Express Card and paid the {$650.00} annual fee based on the prominently advertised benefit : Enjoy a Companion Certificate on a First Class, Delta Comfort+, or Main Cabin round-trip flight within the U.S. and to XXXXXXXX XXXX XXXXXXXX, or XXXX XXXX each year after renewal of your Card.\n\nThe marketing language reasonably leads consumers to believe that the companion certificate is included with the first year of membership after paying the annual fee. Nowhere in the primary promotional materials does it clearly disclose that the benefit is excluded from the first year and only issued after paying a second annual fee. \nAfter receiving the card, I contacted American Express via chat to inquire about my companion certificate. I spoke with three representatives, including a supervisor ( XXXX ), who confirmed that the certificate is not provided until after renewal in the second year. I have saved screenshots of the websites marketing language as well as transcripts of my conversations. \n\nThis benefit was a material factor in my decision to pay the {$650.00} annual fee. The omission of a clear and prominent disclosure that the benefit is not available in the first year is misleading and constitutes an unfair business practice. \nDesired Resolution : Immediate issuance of the companion certificate for my current membership year, or Statement credit or SkyMiles equivalent to the fair market value of the benefit.\n\nI am requesting that the CFPB review this matter as misleading advertising under the Truth in Lending Act and applicable consumer protection statutes.","date_sent_to_company":"2025-08-10T21:00:21.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"48390","tags":null,"has_narrative":true,"complaint_id":"15194572","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-08-10T20:31:13.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["Desired Resolution : Immediate issuance of the companion certificate for my current membership year, or Statement <em>credit</em> or SkyMiles equivalent to the fair market value of the benefit.\n\nI am requesting that the CFPB review this matter as misleading <em>advertising</em> under the Truth in Lending Act and applicable consumer protection statutes."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Problem with rewards from <em>credit</em> <em>card</em>"]},"sort":[20.52796,"15194572"]},{"_index":"complaint-public-v1","_id":"10418245","_score":20.239645,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Regarding Deceptive Credit Card Practices I am writing to file a formal complaint against XXXX XXXX  and Citibank regarding their deceptive marketing and implementation of \" 0 % interest '' credit card offers. \nI purchased items on the XXXX XXXX XXXX in XXXX of XXXX and was paying it down. Then in XXXX of XXXX, I was charged nearly $ XXXX in \" deferred '' interest. Something that it does not state until after the purchase or in the \" Fine Print '' Misleading Advertising Best Buy prominently advertises \" 0 % interest '' or \" no interest '' financing options in their stores and marketing materials. However, these offers are actually deferred interest plans, which is not clearly disclosed to consumers at the point of sale.\n\nLack of Transparency When applying for the credit card, I was not adequately informed about : The difference between true 0 % interest and deferred interest The potential for retroactive interest charges on the full purchase amount The exact terms of the promotional period The high interest rate that would apply if the balance was not paid in full Unfair Practices Financial Harm Due to these deceptive practices, many consumers, including myself, have been hit with large, unexpected retroactive interest charges. In my case, I was charged XXXX  XXXX in interest despite making regular payments throughout the promotional period. \nRequest for Action I urge you to investigate these practices and take appropriate action to : Require clear disclosure of deferred interest terms at the point of sale Prohibit the marketing of deferred interest plans as \" 0 % interest '' or \" no interest '' Mandate that minimum payments be set high enough to pay off the balance within the promotional period. \nProvide restitution to consumers who have been unfairly charged retroactive interest Thank you for your attention to this matter. I look forward to your response and action on this issue. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-10-11T16:38:42.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"53189","tags":null,"has_narrative":true,"complaint_id":"10418245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-10-11T16:26:18.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Complaint Regarding Deceptive <em>Credit</em> <em>Card</em> Practices I am writing to file a formal complaint against XXXX XXXX  and Citibank regarding their deceptive <em>marketing</em> and implementation of \" 0 % interest '' <em>credit</em> <em>card</em> offers. \nI purchased items on the XXXX XXXX XXXX in XXXX of XXXX and was paying it down. Then in XXXX of XXXX, I was charged nearly $ XXXX in \" deferred '' interest."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[20.239645,"10418245"]},{"_index":"complaint-public-v1","_id":"21937267","_score":20.009508,"_source":{"product":"Credit card","complaint_what_happened":"I applied for the Fidelity Rewards Visa Signature Card directly through Fidelity 's official product marketing page. I have retained a dated PDF of this page as evidence. The card is issued by Elan Financial Services under a co-branding arrangement with Fidelity. \n\nThe advertised terms that I applied under, as clearly disclosed on that page, were : A 0 % introductory XXXX on purchases and balance transfers for the first XXXX billing cycles. The footnote disclosure explicitly states : \" The 0 % introductory XXXX applies to XXXX and is valid for the first XXXX billing cycles. The 0 % APR applies to balance transfers made within 30 days of account opening. '' A XXXX bonus ( equivalent to {$150.00} cash back when deposited into an eligible Fidelity account ) after making at least {$1000.00} in eligible net purchases within the first 90 days of account opening.\n\nThese promotional terms were the primary reason I applied for the card.\n\nAfter my account was opened, Elan Financial Services failed to apply the advertised terms to my account. I have contacted Elan customer service multiple times to resolve this and have received inconsistent and shifting explanations on each call : In XXXX, a representative told me there was an unspecified \" error '' with my signup. When I asked for specifics about what the error was, none were provided. \n\nOn XX/XX/year>, a different representative, XXXX, told me that the 0 % introductory XXXX applied only to balance transfers and not to purchases. This directly contradicts the plain language of the marketing disclosure, which states the 0 % APR applies to \" purchases and balance transfers '' and which separately confirms in the footnote that \" the 0 % introductory XXXX applies to XXXX and is valid for the first XXXX billing cycles. '' XXXX XXXX then told me that the offer \" XXXX not be valid '' because it appeared on Fidelity 's public website and was not a targeted communication addressed to me individually. The representative stated that Elan generally requires a targeted communication to confirm the status of an offer. I requested a supervisor at that point.\n\nThe position that a publicly advertised credit card offer is not binding because it was not individually targeted is contrary to Regulation Z under the Truth in Lending Act ( 12 CFR 1026.16 ), which governs advertising of open-end credit, including public website advertising, and requires that advertised promotional terms be available to consumers who apply in response. There is no legal requirement that a credit card offer be individually targeted to be binding on the issuer.\n\nThe combination of ( 1 ) refusing to honor terms that are plainly stated in Elan 's own co-branded marketing materials, ( 2 ) providing shifting and contradictory explanations for the refusal across multiple calls, and ( 3 ) asserting a legal standard for offer validity that does not exist, appears to constitute a deceptive practice under the CFPB 's UDAAP authority.\n\nI am requesting that Elan Financial Services apply the originally advertised promotional terms to my account : the 0 % introductory APR on purchases for the first XXXX billing cycles, and the XXXX ( {$150.00} ) bonus upon my completion of the {$1000.00} net purchase requirement within 90 days of account opening. \n\nI have retained the dated marketing PDF and contemporaneous notes from each call including dates, times, representative names, and the explanations provided.","date_sent_to_company":"2026-05-06T16:25:18.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"44060","tags":null,"has_narrative":true,"complaint_id":"21937267","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-05-06T16:09:09.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["The position that a publicly advertised <em>credit</em> <em>card</em> offer is not binding because it was not individually targeted is contrary to Regulation Z under the Truth in Lending Act ( 12 CFR 1026.16 ), which governs <em>advertising</em> of open-end <em>credit</em>, <em>including</em> public website <em>advertising</em>, and requires that advertised promotional terms be available to consumers who apply in response. There is no legal requirement that a <em>credit</em> <em>card</em> offer be individually targeted to be binding on the issuer."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[20.009508,"21937267"]},{"_index":"complaint-public-v1","_id":"16979348","_score":19.830341,"_source":{"product":"Credit card","complaint_what_happened":"Previously I filed Complaint about this information is under XXXX XXXX XXXX XXXX credit card or charge card Advertising and marketing, including promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company responded Previous Next Why my complaint is closed. I submitted all supporting documents which shows that mine and my wife 's card was approved at different time. and how American Express customer service shows both credit cards on my social security no.and my account was not credited with bonus miles. \nCompany was asking me to provide copies of mine and my wife 's Govt issued Photo ID and Social security card. Means they agree with the bonus miles offer but want to double check that both cards not on my social security no. \nI don't understand that my wife 's card was approve more than two years ago how they can approve her card on my social security no.. I request you to ask them to provide original copy of my wife 's application for credit card which will show her social security no. \nCompany people they don't want to accept there mistake. Thank you. \nXXXX XXXX","date_sent_to_company":"2025-11-04T02:19:18.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"01876","tags":"Older American","has_narrative":true,"complaint_id":"16979348","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-11-04T01:44:21.000Z","state":"MA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["Previously I filed Complaint about this information is under XXXX XXXX XXXX XXXX <em>credit</em> <em>card</em> or charge <em>card</em> <em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company responded Previous Next Why my complaint is closed."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[19.830341,"16979348"]},{"_index":"complaint-public-v1","_id":"7751755","_score":19.670416,"_source":{"product":"Credit card","complaint_what_happened":"Complaint 1 : Advertising and marketing, including promotional offers ( misleading advertising ) On XX/XX/XXXX, I had a hard pull on my credit with Capital Ones pre-approved refer a friend program ( see copy of text from my friend that sent to me attached ). Capital One indicated in the documents Ive included ( attached with this complaint statement ), there would be no impact to your credit score, plus no credit score required to apply. This is definitely misleading and inaccurate as it ended up being a hard pull and my score dropped by 3 points as a result. Please review the two copies Ive included and complete the necessary investigation, and correct my score based on Capital Ones claim no impact to your credit score.\n\nComplaint 2 : Problem with credit report and credit score The Capital Ones SavorOne credit card was recognized by XXXX, XXXX, and third party XXXX XXXX on XX/XX/XXXX with {$10000.00} available credit added to my credit amount line on Credit Karma. However, the XXXX XXXX XXXX credit card is no longer on the XXXX XXXX 's app after XX/XX/XXXX due to it being removed from XXXX. This may be due to my date of birth being incorrect, per the Capital One agent I spoke to. \nAs of XX/XX/XXXX, Capital One has corrected my birth date and has updated my XXXX credit card account in their system. \n\n\nWhat I have done to resolve the issue : I have contacted Capital One about the above issue and their wasn't any satisfactory resolution offered and their reason was very misleading to and with XXXX Ones pre-approved refer a friend program.","date_sent_to_company":"2023-10-24T23:46:44.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"85234","tags":null,"has_narrative":true,"complaint_id":"7751755","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-10-24T21:30:52.000Z","state":"AZ","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Complaint 1 : <em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers ( misleading <em>advertising</em> ) On XX/XX/XXXX, I had a hard pull on my <em>credit</em> with Capital Ones pre-approved refer a friend program ( see copy of text from my friend that sent to me attached ). Capital One indicated in the documents Ive included ( attached with this complaint statement ), there would be no impact to your <em>credit</em> score, plus no <em>credit</em> score required to apply."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[19.670416,"7751755"]},{"_index":"complaint-public-v1","_id":"3046960","_score":19.09346,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/18 as I went to purchase a ticket for a flight to XXXX on the XXXX XXXX website, I saw an ad to get the XXXX Mileage Plus credit card. It offered a couple of things that attracted my attention including a {$100.00} credit after my first purchase. I clicked the link and it took me to Chase Credit card website. I filled out the application which was approved and then clicked the link back to the XXXX XXXX. I was unable to complete the ticket purchase at that time because I didn't see the new Mileage Plus credit card number to use. I contacted the credit card company and was told I'd have to wait to get the card in the mail to complete the transaction using the new card. Which I did in approximately a week. After I've made purchases I expected to see the {$100.00} credit. I called the company on XX/XX/18 to find out the status and was told that I didn't follow the link when i applied but that they would pass the request on to their marketing dept. On XX/XX/18 I received a letter from Chase customer service stating I didn't qualify for the {$100.00} credit. I believe that I was misled by their advertising. I clearly clicked the link to get to the Chase website to make the application and am deserving of what they offered. This is a copy of their ad/link : XXXX? CELL","date_sent_to_company":"2018-10-16T06:02:18.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"92024","tags":null,"has_narrative":true,"complaint_id":"3046960","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-10-16T01:30:22.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["On XX/XX/18 as I went to purchase a ticket for a flight to XXXX on the XXXX XXXX website, I saw an ad to get the XXXX Mileage Plus <em>credit</em> <em>card</em>. It offered a couple of things that attracted my attention <em>including</em> a {$100.00} <em>credit</em> after my first purchase. I clicked the link and it took me to Chase <em>Credit</em> <em>card</em> website. I filled out the application which was approved and then clicked the link back to the XXXX XXXX."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[19.09346,"3046960"]},{"_index":"complaint-public-v1","_id":"7721354","_score":19.041843,"_source":{"product":"Credit card","complaint_what_happened":"Advertising and marketing, including promotional offers ( I do NOT want any communication from Discover. I called multiple times and asked them to cease ALL communication with me the beginning of XXXX. It is now the XXXX of XXXX, and I am still receiving mail from them which is harassment. Each time I call in, they inform me that the communication will cease but to \" forgive them '' if I were to receive any recent communication as it may have already been processed. I don't want to contact opt-out services LLC because I do want promotions from other companies, just NOT Discover as it's my right to not receive communication from them specifically. Discover is the ONLY credit card company that has ever canceled with me and they did this around the start of the pandemic. Their decision and unprofessionalism when calling in trying to resolve it, had a negative impact on me and my credit scrore alike. Though I am not legally obligated to provide a reason for my request to have no communication with them, I decided to. )","date_sent_to_company":"2023-10-18T19:21:12.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"95608","tags":null,"has_narrative":true,"complaint_id":"7721354","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-10-18T18:04:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers ( I do NOT want any communication from Discover. I called multiple times and asked them to cease ALL communication with me the beginning of XXXX. It is now the XXXX of XXXX, and I am still receiving mail from them which is harassment. Each time I call in, they inform me that the communication will cease but to \" forgive them '' if I were to receive any recent communication as it may have already been processed."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[19.041843,"7721354"]},{"_index":"complaint-public-v1","_id":"9802239","_score":18.935915,"_source":{"product":"Credit card","complaint_what_happened":"I purchased a washing machine from Best Buy on my Best Buy XXXX card at the end of XXXX, XXXX for {$XXXX}. I made {$XXXX} payments on my card on XX/XX/XXXX and XX/XX/XXXX. These payments had me well out in front of the minimum monthly payment. I had an auto-pay setup in my bank account to pay {$XXXX} again on XX/XX/XXXX. I received a notice that my account was in arrears and I would be assessed a {$XXXX} penalty. I called and complained that my account was well in front based on my payments and didn't understand how my account could be behind when they had received nearly half the balance within 60 days. I was informed that doesn't matter. Today ( XX/XX/XXXX ) I paid the balance including the penalty and closed my account. I will never do business with XXXX again. My feeling is that they stole {$XXXX} from me, or perhaps they invested {$XXXX} in their advertising and marketing of how they operate as gangsters and thieves. Regardless, I am very unhappy and reporting their business practices in the hopes they will be curtailed. My account was over XXXX years active. I had received credit increases and spent over {$XXXX} on my card, always paying my account early. I am the victim of theft at the hands of XXXX.","date_sent_to_company":"2024-08-22T20:13:19.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"63376","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9802239","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-14T18:36:36.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I had received <em>credit</em> increases and spent over {$XXXX} on my <em>card</em>, always paying my account early. I am the victim of theft at the hands of XXXX."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[18.935915,"9802239"]},{"_index":"complaint-public-v1","_id":"16617293","_score":18.846416,"_source":{"product":"Credit card","complaint_what_happened":"Consumer Complaint : American Express Gold Delta Amex Card Welcome Bonus Issue Company : American Express Product : Credit Card ( Gold Delta American Express ) Issue : Advertising, marketing, or promotional offer misrepresentation What happened : I applied for a Gold Delta American Express Card on XX/XX/year> and received a confirmation that my application was approved, including a welcome bonus of {$500.00} and XXXX Delta SkyMiles.\n\nSeveral weeks later, I called to ask about the expected dates for activation and the bonus. I was told the card was delayed. Later, I was informed that the promotion was declined, but the card itself remained approved, which is contradictory and illogical.\n\nMost recently, I was told that I must wait another 30 days for an answer. This sequence of conflicting explanations is unacceptable. I clearly applied based on the promotional offer displayed at the time of my approved application, and I have written confirmation of that offer.\n\nIt appears that American Express approved my application with the promotional terms, and then changed or withdrew the offer afterward. \n\nWhat I want to happen : I am requesting that American Express honors the original offer that was approved on XX/XX/year> specifically : The {$500.00} welcome bonus, and The XXXX Delta SkyMiles I also request that they provide a written confirmation of the resolution and ensure this does not negatively affect my credit report or standing. \n\nSupporting information : Application date : XX/XX/year> Product : Gold Delta American Express Offer : {$500.00} welcome bonus + XXXX SkyMiles Conflicting messages received over 3 weeks ( approval delay promotion declined 30-day extension request ) I would like a written clarification of my application status and confirmation regarding the promotional offer. The conflicting information and repeated delays are concerning and may constitute misleading advertising.\n\nPlease review and respond within 10 business days.","date_sent_to_company":"2025-10-16T18:57:55.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"48085","tags":null,"has_narrative":true,"complaint_id":"16617293","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-10-16T18:43:40.000Z","state":"MI","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["Consumer Complaint : American Express Gold Delta Amex <em>Card</em> Welcome Bonus Issue Company : American Express Product : <em>Credit</em> <em>Card</em> ( Gold Delta American Express ) Issue : <em>Advertising</em>, <em>marketing</em>, or promotional offer misrepresentation What happened : I applied for a Gold Delta American Express <em>Card</em> on XX/XX/year> and received a confirmation that my application was approved, <em>including</em> a welcome bonus of {$500.00} and XXXX Delta SkyMiles."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[18.846416,"16617293"]},{"_index":"complaint-public-v1","_id":"8576992","_score":17.973186,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Formal Complaint Regarding Misleading Advertisement and Unfulfilled Promises I hope this message finds you well. I am writing to express my deep dissatisfaction with the service I have received regarding my recent application for the Capital One Quicksilver Rewards Credit Card. \n\nIn XXXX, I applied for the Capital One Quicksilver Rewards Credit Card enticed by the advertised sign-up bonus of {$200.00} upon spending {$500.00} within the initial three months of card ownership. I promptly met this spending requirement within 20 days of receiving the card, eagerly anticipating the reward. However, to my dismay, despite adhering to the terms and conditions, the promised reward was not credited to my account. \n\nUpon contacting Capital One, I was assured by a representative that my account was indeed eligible for the {$200.00} rewards and that they would be added upon completion of the three-month period. Understandingly, I waited patiently for the specified duration, only to be met with disappointment once again when no reward was forthcoming. \n\nSubsequently, I lodged a complaint with Capital One, providing them with all relevant details, including the assigned complaint number : XXXX. After three days of waiting, I received a response stating that my account was not eligible for the rewards as I had applied for a different credit card than the one advertised. This assertion contradicted the assurance provided by your representative earlier, leaving me feeling misled and unfairly treated.\n\nMoreover, I find it unacceptable that despite Capital One acknowledging their representative 's error, no satisfactory resolution was offered. Instead, I was merely compensated with a meager {$25.00} reward as a token gesture, which does not adequately address the issue at hand. \n\nFurthermore, my disappointment is compounded by the discovery of numerous similar complaints from other customers who have experienced similar instances of misleading advertising and unfulfilled promises. It appears that Capital One 's marketing tactics, particularly the design of their website, may deliberately confuse customers into applying for different credit cards than intended.\n\nI want to reiterate that I meticulously researched the Capital One Quicksilver Rewards Credit Card and its associated terms and conditions before applying. I followed all guidelines to ensure that I applied for the correct card that explicitly advertised the {$200.00} bonus. \n\nIn light of the aforementioned issues, I urge Capital One to rectify this situation immediately by honoring the original agreement and crediting my account with the promised {$200.00} reward. Additionally, I implore you to review your advertising practices to ensure transparency and clarity for all customers.","date_sent_to_company":"2024-03-19T20:34:30.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"8576992","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-03-19T19:45:58.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["Furthermore, my disappointment is compounded by the discovery of numerous similar complaints from other customers who have experienced similar instances of misleading <em>advertising</em> and unfulfilled promises. It appears that Capital One 's <em>marketing</em> tactics, particularly the design of their website, may deliberately confuse customers into applying for different <em>credit</em> cards than intended."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Problem with rewards from <em>credit</em> <em>card</em>"]},"sort":[17.973186,"8576992"]},{"_index":"complaint-public-v1","_id":"8752185","_score":17.890781,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/XXXX, I spoke with a representative from the 5/3 credit card division in the dispute department and spent XXXXXXXX minutes explaining what the dispute was about and answering all question. The dispute simply was stagnant and now I just received a letter asking the same identical questions that the previous dispute resolution specialist had asked. The person named XXXX, supervisor, could not explain to me why I was told on XX/XX/XXXX that 5/3 had all of the information needed and would immediately notify the hotel of the dispute. This did not happen. \nThe letter sent to me did not ask anything different from the XXXX minutes phone call to the dispute department on XX/XX/XXXX. \nI was mislead ; the information was not properly documented ; the representative\\ caused me to believe that all was find, nothing else needed, and the vendor would be notified. This is a way to avoid attempting to bring resolution. Nor have I been given temporary credit. I simply wasted 5/3 card services time as well as my own. \n\nAlso I have this concern : Advertising and marketing, including promotional offers ( confusing or misleading advertising, didn't received advertised interest rate ) Initially on the phone when I did a balance transfer last year, XXXX, I was advised several different times that this XXXX APR would be applied to my purchases as well. \nIt does not. \nI have been an excellent customer but the services has not reciprocated. \n\nI am now speaking with XXXX overseas and I am finding out that the letter was useless. The questions XXXX asked me XXXX did not and the letter did not. \n\nXXXX is now telling me to disregard this letter because other questions should have been asked. \n\nThis is the same way I was given wrong information about the XXXX APR on purchases as well the balance transfer. \n\nSome representatives like XXXX appears to be untrained and will tell the consumer anything to get them off of the phone.","date_sent_to_company":"2024-04-11T22:03:41.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"27616","tags":"Older American","has_narrative":true,"complaint_id":"8752185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2024-04-11T21:29:48.000Z","state":"NC","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Nor have I been given temporary <em>credit</em>. I simply wasted 5/3 <em>card</em> services time as well as my own. \n\nAlso I have this concern : <em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers ( confusing or misleading <em>advertising</em>, didn't received advertised interest rate ) Initially on the phone when I did a balance transfer last year, XXXX, I was advised several different times that this XXXX APR would be applied to my purchases as well. \nIt does not."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[17.890781,"8752185"]},{"_index":"complaint-public-v1","_id":"20733539","_score":17.838713,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint again because Capital Ones previous response did not address the core issue. \nAround XX/XX/year>, I applied for a Capital One Savor Rewards credit card based on a promotional offer advertising a {$200.00} bonus after spending {$500.00}, along with a 0 % APR introductory period. I relied on this promotion when making my decision to apply and use the card. \nI completed the required spending in good faith. However, I was later informed by customer service that the bonus was optional and would not be honored. No clear explanation or written terms were provided to justify this denial. At no point during the application process was it disclosed that the offer might not apply. \nCapital One later stated that the offer attached to my account did not include these benefits. However, they have not provided any proof of what offer was actually presented to me at the time of application. This raises serious concerns about misleading or unclear marketing practices. \nAdditionally, my account was restricted due to an identity verification issue. I submitted multiple documents, including my drivers license and bank statements, but the issue was not resolved promptly. This restriction limited my ability to use the card and benefit from any promotional terms, including the 0 % APR period. \nDuring my attempts to resolve this issue, I contacted customer service multiple times. On one occasion, I requested escalation to a supervisor, but the representative refused and disconnected the call abruptly. This behavior was unprofessional and was not addressed in the companys prior response. \nI made multiple good-faith efforts to resolve this directly, but Capital Ones response failed to address the misleading nature of the promotion and the service issues I experienced.","date_sent_to_company":"2026-04-16T18:07:29.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"91789","tags":null,"has_narrative":true,"complaint_id":"20733539","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-03-27T22:09:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["Around XX/XX/year>, I applied for a Capital One Savor Rewards <em>credit</em> <em>card</em> based on a promotional offer <em>advertising</em> a {$200.00} bonus after spending {$500.00}, along with a 0 % APR introductory period. I relied on this promotion when making my decision to apply and use the <em>card</em>. \nI completed the required spending in good faith. However, I was later informed by customer service that the bonus was optional and would not be honored."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[17.838713,"20733539"]},{"_index":"complaint-public-v1","_id":"4792850","_score":17.61044,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"13 hours and about 15 to 17 agents of talking i have been called a lair and more. I was so fed up I sourced everything myself and called back. So before i detail this list heres what at least 7 associates and supervisors saw and had no excuse for after sourcing.\n\n24/7 Access to your Full Card Information Securely access your full credit card information from your phone so you can make a purchase even if your wallet isnt nearby. XXXX XXXX XXXX The FTC Act prohibits unfair or deceptive advertising in any medium. That is, advertising must tell the truth and not mislead consumers. A claim can be misleading if relevant information is left out or if the claim implies something that's not trueXXXX XXXX XXXX  https : //www.ftc.gov guidance ad... \nAdvertising and Marketing on the Internet : Rules of the Road I took a hit to my credit for a credit line via XXXX that was guaranteed to be accessible instantly as the reason of applying at all. The in store advertised a temp virtual 24 card number that never came. 4 days of calling and seeking help via chats with Walmart, they were aware of a capital one related error here. After massive run arounds on XX/XX/XXXX 4 days after approval they fixed the accounts but now declined the shopping pass. Catch was they also effected alternative accounts that did have full access to viewing my card info online digitally for us digital wallet users. They completely bricked the account in this manner. I needed not even my new card, but other card numbers so i can get gas or refund a product that requires I confirm my card number to my XXXX XXXX. When I talk to people now they act ignorant i have been a customer for alternative cards for literal years with foot in their mouth when I question previous statements. They are even asking me very personal information that can lead to identity theft I assure entry level members dont have access too. After XXXX hours of different techs, managers, associate members, etc on the phone the solution when they think they are immune to false advertising here they either hang up or transfer you against your will or consent during mid help. At least occured in hang ups 6 times. They name call and more thinking the consumer is phishing when I am giving out more verifications than XXXX XXXX even requires for a Drivers License. Only thing they dont have now is my XXXX XXXX . They tried to speak as if this info changed last couple days or so, but according to archieve.net aka a way to screenshot the history of webpages average people dont know, this is also a XXXX load meant to put consumers off. Another manager of all people said my issues from XX/XX/XXXX was from account issues on XX/XX/XXXX. Have fun figuring the thought police logic to that. My solution was 1 of 3. Take 24/7 access off the marketing of their cards and page as its false and blatantly misleading by even their own staffs words, they can give my access back even if that meant closing that account down to do it immediately for the hardship this caused, or explain a regulation that Capital One may have lobbied for to get away with its misleading practices. I was guaranteed instant access when applying and now I have access to none of my cards info while capital one blamed me for ever applying. So I was accused of applying for a card that has these features including a 24hour shopping pass temp card number and cause capital one glitches out merging older accounts that I was a security risk and all other sorts of nonsense the next associates cant back up with new sets of excuses. Now because I took a hit to my credit they can falsely advertise and make us source the website going oh well. Last I checked if I ordered a hamburger and fries to not get fries, they cant make excuses for not giving me fries. They have to refund it or replace the issue. I was hung up on when I seeked a solution. So until I get my 24/7 access again that's advertised \" 24/7 Access to your Full Card Information Securely access your full credit card information from your phone so you can make a purchase even if your wallet isnt nearby. '' with no asterisk or XXXX XXXXhat clarifies anything, I feel something must be done. Ive seen people die from covid cause of medical bills and credit companies being hard to work with in hardship. With capital one admitting they have bulk call and admit they tell their customers post signing up for service this isn't a 24/7 service, they in retrospect open admit to using this false advertising as a tactic to sign up. Both Walmart and Capital One os a complete joke as far as getting any reasonable or pragmatic reason for it. They just admit its wrong, but it is what it is. If XXXX cant start a business doing such perverted and misleading practices, neither should companies that people truly rely on through financial hardships impacted by covid. This issue could saved someone's life that is in these bulk calls seeking an urgent solution. XXXXmagine struggling to breathe. Now imagine me after 13:30hours of trying to get a straight answer for their related errors on their end and why i should be the XXXX here breaching contracts with these credit card companies. Mine was a gas issue I relied this on, so if my gas was covid health related, this could have been what lost us another life just needing meds paid for. The hardship of not just me complaining needs noted but the bulk of Capital Ones Customers that gets left behind from their willfully financially misleading practices to market their service to sell to new gullible users. All I wanted was a pragmatic answer. I do work in XXXX XXXX, so not a single excuse they have can be used for even a fraud claim after the phishing they did to verify myself numerous times. This is a con that needs heald accountable. I shouldnt have had to teach Customer Service Management what the Website says let alone had reveal as much as I did. I feel the FTC is very good about specifically stating false advertising and its legal definitions. I truly feel as a reasonable person standard that the privation I went through was unruly to cause this hardship in effect. So many ways they could have handled it rather than running away when they were caught being fraudulent with their marketing.","date_sent_to_company":"2021-10-08T20:08:13.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"26101","tags":null,"has_narrative":true,"complaint_id":"4792850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-10-08T19:14:31.000Z","state":"WV","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["<em>Advertising</em> and <em>Marketing</em> on the Internet : Rules of the Road I took a hit to my <em>credit</em> for a <em>credit</em> line via XXXX that was guaranteed to be accessible instantly as the reason of applying at all. The in store advertised a temp virtual 24 <em>card</em> number that never came. 4 days of calling and seeking help via chats with Walmart, they were aware of a capital one related error here."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, <em>including</em> promotional offers"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[17.61044,"4792850"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":90,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":90}]}},"product":{"doc_count":90,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":45,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":41},{"key":"Store credit card","doc_count":4}]}},{"key":"Credit card or 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