{"took":160,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":21553,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9668902","_score":11.6648655,"_source":{"product":"Credit card","complaint_what_happened":"I placed a significantly large order with Macys Inc. on XX/XX/2024. When two of the three shipments were delivered by XXXX they left them at the front door of the recipient and they were stolen. I immediately contacted Macys and advised them the two shipments were stolen and that a police report was filed. They proceeded to lie to me and state that the items were insured and that they filed a claim with XXXX and it was declined I then contacted XXXX  who provided proof that the packages were not insured at all. So there was no claim to be denied. \n\nI then filed a claim with the credit department with Macys and of course because they process their own claims they declined my disputes because the order was left at the door and subsequently stolen. \n\nBased on the FTC website I have federal laws that protect me from having to pay for What To Do if Youre Billed for Things You Never Got, or You Get Unordered Products Did you order something that didn't arrive? A company can't make you wait forever. If something didn't arrive or you didn't accept it, and the company won't refund your money, dispute the charges. And, if products show up that you never ordered? You dont have to pay for them. Federal laws protect you.items that were not received that information is below in this link. \n\nhttps : //consumer.ftc.gov/articles/what-do-if-youre-billed-things-you-never-got-or-you-get-unordered-products. \n\nMacys also indicated that its their company policy to not insure packages and when I asked for proof of this policy they advised me that they did not have to provide with the policy. \n\nThey have violated my consumer protection rights by not offering a reshipment or a refund for the shipments that they indicated were insured and they in fact were not and I need help with this matter. \n\nI also disputed the charges within the first 60 days of non receipt. \n\nDisputing credit card billing errors The Fair Credit Billing Act treats certain credit card charges that you dispute as billing errors. Billing errors include charges for items that you didn't accept or that weren't delivered as agreed, involved the wrong amount, were unauthorized, and certain others. Disputes about the quality of the item are not billing errors. The law spells out how to challenge billing errors.\n\nDisputing credit card billing errors within the 60-day dispute period By law, credit card billing errors must be disputed in writing within 60 days of the date that the first statement with the billing error is sent to you. Otherwise, you may get stuck with the bill. \n\nSend a dispute letter to your credit card issuer at the address listed for billing disputes, errors, or inquiries not the address for sending your payments. Look on your statement, online, or your credit card agreement to get the right address. Use this sample letter for disputing credit and debit card charges.\n\nOne thing to know : Some issuers let you dispute billing errors over the phone or online. However, to be sure that you get the full protection of the law, follow up with a letter. \n\nThe credit card issuer must acknowledge your dispute in writing within 30 days of getting it, unless the problem has been resolved. The issuer must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. \n\nYou don't need to pay the disputed amount and related finance or other charges during the investigation. But you have to pay any part of the bill thats not in question. Learn more about disputing credit card charges.","date_sent_to_company":"2024-08-01T02:24:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"37013","tags":null,"has_narrative":true,"complaint_id":"9668902","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-01T01:47:18.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>Disputing</em> <em>credit</em> <em>card</em> <em>billing</em> errors within the 60-day <em>dispute</em> period By law, <em>credit</em> <em>card</em> <em>billing</em> errors must be <em>disputed</em> in writing within 60 days of the date that the first statement with the <em>billing</em> error is sent to you. Otherwise, you may get stuck with the <em>bill</em>. \n\nSend a <em>dispute</em> letter to your <em>credit</em> <em>card</em> issuer at the address listed for <em>billing</em> <em>disputes</em>, errors, or inquiries not the address for sending your payments."],"product":["<em>Credit</em> <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 <em>dispute</em> about a purchase on your statement"]},"sort":[11.6648655,"9668902"]},{"_index":"complaint-public-v1","_id":"3514664","_score":11.642746,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Please see 15 U.S.C. 1601 section 303 regarding Capital One Bank, XXXX XXXX XXXX and MasterCard being a  creditor. \n\nCapital One Bank are refusing to issue a Chargeback and process the dispute with XXXX under MasterCard Chargeback guide under charge back code 4840. And are refusing to submit the attached document to MasterCard to review the dispute under MasterCard Guidelines according to chargeback code 4840. Please see the attached MasterCard guide page 96-100 pursuant to 15 USC 1666 ( a ) ( 3 ) ( B ) concerning the documentary evidence. There is no documentary evidence in any of the recent response to the cfpb to justify the debt under the Fair Credit Bill Act. \n\nCapital One is not in compliance with the Fair Credit Billing Act ( FCBA ) regarding this dispute under MasterCard Chargeback guide pursuant to 15 USC 1666 ( e ) regarding the rights of the Credit card customer XXXX. XXXX XXXX XXXX under 15 USC 1666a ( a ) regarding his credit report. \n\nThe law applies to \" open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. Pursuant to 15 USC 1666e Capital One Bank declined all sales transaction with XXXX due to the credit card limit of {$500.00}. Please see attached email from Capital One regarding each transaction with XXXX. \n\nAccording to the attached file from Capital One Bank it is very clear that they are not following MasterCard Chargeback guide and have not issue a Chargeback under MasterCard Guidelines regarding the Fair Credit Bill Act pursuant to 15 USC 1666i ( a ) as the card issuer under MasterCard Chargeback guide regarding Chargeback code 4840.\n\nMasterCard Guidelines are very clear that the dispute code 4840 must be submitted to MasterCard and all documents must be submitted to MasterCom. No Chargeback was ever issue by MasterCard just a credit by Capital One Bank to violated XXXX. XXXX XXXX XXXX right under the Fair Credit Bill Act. \n\nThe attached document hasn't been submitted to MasterCard under the Fair Credit Bill Act. The Truth in Lending Act 15 USC 1601 limit XXXX. XXXX XXXX XXXX liability as the credit card holder for unauthorized charges on a credit card. See Krieger v. Bank of America 17-1275 ( 3rd Cir. 2018 ) which is attached. XXXX and Capital One Bank has fail to disclose information regarding the appropriate finance charges to be applied to the credit card under the provision of 15 USC SECTION 1666 ( b ) ( 2 ) regarding it response to the cfpb in three letters.\n\nCapital One Bank are not allowing MasterCard to investigate the dispute under the Fair Credit Bill Act and according to their letters to the cfpb are only threatening me because I used my rights under the Federal Credit Bill Act regarding the bill with XXXX under MasterCard Chargeback guide code 4048. See American Express v. Koerner, 452 U.S 233, 235-37 ( 1981 ). \n\nThe Federal Trade Commission is the overall enforcement agency regarding the Fair Credit Bill Act and Capital One Bank is not allowing the credit card company MasterCard to  conduct a dispute under their guidelines. \n\nThis fraudulent activity on the behalf of Capital One Bank is in written with a clear picture of the violation of the Fair Credit Bill Act regarding the MasterCard Chargeback guide and the documents being sent to MasterCom.\n\nMy credit card company is MasterCard and MasterCard hasn't issue a Chargeback regarding the dispute or received a response from the creditor under the Fair Credit Bill Act. \n\nCapital One Bank is holding me responsible for a credit bill without allowing MasterCard the right to investigate the dispute under the Fair Credit Bill Act regarding the attached MasterCard Guide. \n\nThis bill with XXXX was unauthorized and declined by Capital One on multiple occasions due to the credit limit of XXXX. \n\nAny lawsuit filed will be timely under 15 USC 1640 ( e ) See Lyon v. Chase Bank Usa which is attached to this  complaint.","date_sent_to_company":"2020-01-30T07:32:37.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"223XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3514664","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-01-30T07:10:15.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["My <em>credit</em> <em>card</em> company is Master<em>Card</em> and Master<em>Card</em> hasn't issue a Chargeback regarding the <em>dispute</em> or received a response from the creditor under the Fair <em>Credit</em> <em>Bill</em> Act. \n\nCapital One Bank is holding me responsible for a <em>credit</em> <em>bill</em> without allowing Master<em>Card</em> the right to investigate the <em>dispute</em> under the Fair <em>Credit</em> <em>Bill</em> Act regarding the attached Master<em>Card</em> Guide. \n\nThis <em>bill</em> with XXXX was unauthorized and declined by Capital One on multiple occasions due to the <em>credit</em> limit of XXXX."],"product":["<em>Credit</em> <em>card</em> or prepaid <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 <em>dispute</em> about a purchase on your statement"]},"sort":[11.642746,"3514664"]},{"_index":"complaint-public-v1","_id":"3625658","_score":11.540541,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to complain against PAYPAL CREDIT an online credit card service. \n\n1- On XX/XX/2020, I submitted an online request to revoke enrollment in electronic billing, and switch to monthly paper statements by mail. However PAYPAL CREDIT ignored my request and continues to send electronic statement in violation of the credit card agreement. \n2- On XX/XX/2020, I disputed the amount of {$400.00} that was listed as Amount to avoid Standard and Deferred Interest on your next statement on the statement of XX/XX/2020. Per the Credit Card Agreement and the Billing Agreement, PAYPAL CREDIT can not bill me for the disputed amount. However PAYPAL Credit decided once more to continue pursuing their ongoing criminal fraudulent billing practices and bill me for the disputed amount in the XX/XX/2020 statement. \nPAYPAL CREDIT criminal actions are in violation of the Fair Credit Reporting Act and the Fair Credit Billing Act.","date_sent_to_company":"2020-04-27T20:13:30.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"94132","tags":null,"has_narrative":true,"complaint_id":"3625658","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2020-04-27T19:58:52.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["However PAYPAL <em>CREDIT</em> ignored my request and continues to send electronic statement in violation of the <em>credit</em> <em>card</em> agreement. \n2- On XX/XX/2020, I <em>disputed</em> the amount of {$400.00} that was listed as Amount to avoid Standard and Deferred Interest on your next statement on the statement of XX/XX/2020. Per the <em>Credit</em> <em>Card</em> Agreement and the <em>Billing</em> Agreement, PAYPAL <em>CREDIT</em> can not <em>bill</em> me for the <em>disputed</em> amount."]},"sort":[11.540541,"3625658"]},{"_index":"complaint-public-v1","_id":"4307630","_score":11.436051,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The XXXX XXXX XXXX account is not past due. The account is under investigation pursuant to The Fair Credit Billing Act ( FCBA ) which lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute.","date_sent_to_company":"2021-04-18T19:31:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"223XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4307630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-04-18T19:31:27.000Z","state":"VA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The account is under investigation pursuant to The Fair <em>Credit</em> <em>Billing</em> Act ( FCBA ) which lays out consumers ' rights to <em>dispute</em> <em>credit</em> <em>card</em> issuers ' charges : Consumers have 60 days from the time they receive their <em>credit</em> <em>card</em> <em>bill</em> to <em>dispute</em> a charge with a <em>card</em> issuer. Charges must be over {$50.00} to be eligible for <em>dispute</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.436051,"4307630"]},{"_index":"complaint-public-v1","_id":"4307629","_score":11.431123,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The XXXX XXXX XXXX account is not past due. The account is under investigation pursuant to The Fair Credit Billing Act ( FCBA ) which lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute.","date_sent_to_company":"2021-04-18T19:31:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"223XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4307629","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-04-18T19:31:27.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The account is under investigation pursuant to The Fair <em>Credit</em> <em>Billing</em> Act ( FCBA ) which lays out consumers ' rights to <em>dispute</em> <em>credit</em> <em>card</em> issuers ' charges : Consumers have 60 days from the time they receive their <em>credit</em> <em>card</em> <em>bill</em> to <em>dispute</em> a charge with a <em>card</em> issuer. Charges must be over {$50.00} to be eligible for <em>dispute</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.431123,"4307629"]},{"_index":"complaint-public-v1","_id":"4307626","_score":11.42135,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The XXXX XXXX XXXX account is not past due. The account is under investigation pursuant to The Fair Credit Billing Act ( FCBA ) which lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute.","date_sent_to_company":"2021-04-18T19:31:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"223XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4307626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-04-18T19:23:53.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The account is under investigation pursuant to The Fair <em>Credit</em> <em>Billing</em> Act ( FCBA ) which lays out consumers ' rights to <em>dispute</em> <em>credit</em> <em>card</em> issuers ' charges : Consumers have 60 days from the time they receive their <em>credit</em> <em>card</em> <em>bill</em> to <em>dispute</em> a charge with a <em>card</em> issuer. Charges must be over {$50.00} to be eligible for <em>dispute</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.42135,"4307626"]},{"_index":"complaint-public-v1","_id":"6706330","_score":11.350614,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Wells Fargo for violating the Fair Credit Billing Act. Specifically, I believe that the credit card issuer re-applied a dispute on my credit card account after 60 days, which is in violation of the 60-day limit set forth by the XXXX Credit Billing Act. \n\nOn XX/XX/2023 & XX/XX/2023, I made a purchase on my credit card with the above-mentioned credit card issuer. However, I discovered an error on my billing statement and immediately contacted the issuer to dispute the charge. After an investigation, the issuer removed the disputed charge from my account. \n\nHowever, I was surprised to find that the same charge was re-applied to my account after 60 days had passed. I believe that this is a violation of the Fair Credit Billing Act, as the dispute was initiated within the 60-day time frame.\n\nI have attempted to resolve this issue with the credit card issuer, but have not been able to reach a satisfactory resolution. As a result, I am seeking your assistance in resolving this matter.\n\nI would appreciate your prompt attention to this matter and request that you take appropriate action to ensure that the credit card issuer complies with the Fair Credit Billing Act. If you require any additional information, please do not hesitate to contact me.\n\nThank you for your attention to this matter.\n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-03-17T02:41:46.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"93535","tags":null,"has_narrative":true,"complaint_id":"6706330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-03-17T02:32:00.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Wells Fargo for violating the Fair <em>Credit</em> <em>Billing</em> Act. Specifically, I believe that the <em>credit</em> <em>card</em> issuer re-applied a <em>dispute</em> on my <em>credit</em> <em>card</em> account after 60 days, which is in violation of the 60-day limit set forth by the XXXX <em>Credit</em> <em>Billing</em> Act. \n\nOn XX/XX/2023 & XX/XX/2023, I made a purchase on my <em>credit</em> <em>card</em> with the above-mentioned <em>credit</em> <em>card</em> issuer."],"product":["<em>Credit</em> <em>card</em> or prepaid <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 <em>dispute</em> about a purchase on your statement"]},"sort":[11.350614,"6706330"]},{"_index":"complaint-public-v1","_id":"11272346","_score":11.32181,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have a credit card with XXXX XXXX XXXX that is called First Access card. This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. \nIn XXXX, I received a credit notification that I had a late payment on this card. I pay all of my bills based on receiving a paper bill and had not missed any bills. \nI called the number on the back of the card and was notified that they had changed my billing to an email address. The email address was not correct and I had not given permission to do so. \nThe operator stated that if I made the payment immediately, I would not have a late fee and a statement would be mailed to me and all subsequent billing would come via mail. \nI was more concerned with the credit showing a late payment and they told me there was not a way for them to rectify unless I disputed with credit agencies. \nI have disputed with all three agencies twice and they are not removing the XXXX day late. They also have charged me the late fee since I added the card to automatic payments and I have not once received a paper bill since. Also, I am still not receiving any email billing as I do not have whatever email they are sending to, if they even are. \nI want to rectify this prior to canceling this card, although this is just costing me more money every month even when not using. \nI consider this as fraudulent activity as I never authorized this billing change, which then activated late payment penalties and personal credit to be lowered.","date_sent_to_company":"2024-12-23T16:35:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34231","tags":null,"has_narrative":true,"complaint_id":"11272346","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST PORTFOLIO SERVICING INC","date_received":"2024-12-23T16:11:18.000Z","state":"FL","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have a <em>credit</em> <em>card</em> with XXXX XXXX XXXX that is called First Access <em>card</em>. This <em>card</em> charges monthly, whether it is used or not and I have never used the <em>card</em>, nor have I ever even activated the <em>card</em>. \nIn XXXX, I received a <em>credit</em> notification that I had a late payment on this <em>card</em>. I pay all of my <em>bills</em> based on receiving a paper <em>bill</em> and had not missed any <em>bills</em>. \nI called the number on the back of the <em>card</em> and was notified that they had changed my <em>billing</em> to an email address."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.32181,"11272346"]},{"_index":"complaint-public-v1","_id":"10637451","_score":11.319228,"_source":{"product":"Credit card","complaint_what_happened":"Complaint for Card Ending XXXX Summary : I am filing a complaint regarding the card ending in XXXX. My dispute for this card was submitted alongside disputes for XXXX other Chase credit cards, including the card ending in XXXX, on the same date in XXXX 2024. While Chase acknowledged all three submissions, only the dispute for card XXXX saw any resolution or movement. The card ending in XXXX has not shown any progress or action since the initial acknowledgment date, which is well beyond the timeframe mandated by the Fair Credit Billing Act ( FCBA ). \n\nDetails : XXXX. Dispute Submission Date : XXXX 2024. \nXXXX. Issue : Despite acknowledgment from Chase, there has been no movement or progress on the dispute for card XXXX, even though similar disputes submitted simultaneously for the card ending in XXXX have been partially addressed. ( XXXX ) XXXX. FCBA Violation : Under the FCBA, Chase is required to acknowledge disputes within 30 days and resolve them within XXXX billing cycles ( or 90 days ). This has not been done for the dispute related to card XXXX. \nXXXX. Additional Context : The disputes relate to breach-of-contract claims, not billing errors. These breaches involve misrepresentations and service failures on the XXXX XXXX XXXX platform, as documented in my submissions.","date_sent_to_company":"2024-10-31T20:29:25.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92104","tags":null,"has_narrative":true,"complaint_id":"10637451","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-10-31T20:07:44.000Z","state":"CA","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 for <em>Card</em> Ending XXXX Summary : I am filing a complaint regarding the <em>card</em> ending in XXXX. My <em>dispute</em> for this <em>card</em> was submitted alongside <em>disputes</em> for XXXX other Chase <em>credit</em> cards, including the <em>card</em> ending in XXXX, on the same date in XXXX 2024. While Chase acknowledged all three submissions, only the <em>dispute</em> for <em>card</em> XXXX saw any resolution or movement."],"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 <em>dispute</em> about a purchase on your statement"]},"sort":[11.319228,"10637451"]},{"_index":"complaint-public-v1","_id":"2726721","_score":11.310108,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, I used Discover Card to pay the merchant ( a law firm, XXXX XXXX, XXXX XXXX XXXX ) {$300.00} for legal service, but he didnt show up in the court to represent me ; on XX/XX/XXXX, I called Discover Card and they opened a dispute for the dissatisfaction with credit card purchase and I closed the dispute on XX/XX/XXXX.\nHowever, on XX/XX/XXXX, the merchant discontinued his service to me because he didnt get the money from Discover Card ; and since the merchant didnt get the money from Discover Card and discontinued his service to me, Discover Card should credit back the money to my account, but Discover Card didnt ; obviously, this is a billing error.\nTherefore, begun from XX/XX/XXXX, I exercised my billing rights to dispute the billing error, and asked them to correct it. However, while I kept sending them the inquiry to dispute the billing error by discover.com/billingerrornotice, Discover Card kept acting like they never got my inquiry to dispute the billing error and pretended that I just wanted to continue the dissatisfaction with credit card purchase, which has no longer existed and been relevant since the merchant didnt get the money from Discover Card and he didnt need to deliver the service to me ; and refused to do anything about it.\nSo far, Discover Card did not open the dispute for the billing error as I requested begun from XX/XX/XXXX, did not explain why not either ; did not answer my questions - why the merchant didnt get the money from them, whether they gave the money to the merchant or not, what had gone wrong to cause this, where the money is now, why they couldnt get the money back and credit it to my account, and why I should pay them for the money they lost.\nObviously, Discover Card has a problem ; either lost the money somewhere else, or gave it to the merchant but couldnt prove it ; but either way Discover Card can not make me pay for their problem and have to credit the money back to my account. \n.","date_sent_to_company":"2017-11-11T20:44:48.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"60626","tags":null,"has_narrative":true,"complaint_id":"2726721","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2017-11-11T20:23:39.000Z","state":"IL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["However, on XX/XX/XXXX, the merchant discontinued his service to me because he didnt get the money from Discover <em>Card</em> ; and since the merchant didnt get the money from Discover <em>Card</em> and discontinued his service to me, Discover <em>Card</em> should <em>credit</em> back the money to my account, but Discover <em>Card</em> didnt ; obviously, this is a <em>billing</em> error.\nTherefore, begun from XX/XX/XXXX, I exercised my <em>billing</em> rights to <em>dispute</em> the <em>billing</em> error, and asked them to correct it."],"product":["<em>Credit</em> <em>card</em> or prepaid <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 <em>dispute</em> about a purchase on your statement"]},"sort":[11.310108,"2726721"]},{"_index":"complaint-public-v1","_id":"11252012","_score":11.307097,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have a credit card with XXXX XXXX XXXX  that is called XXXX XXXX card. This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. \nIn XXXX, I received a credit notification that I had a late payment on this card. I pay all of my bills based on receiving a paper bill and had not missed any bills. \nI called the number on the back of the card and was notified that they had changed my billing to an email address. The email address was not correct and I had not given permission to do so. \nThe operator stated that if I made the payment immediately, I would not have a late fee and a statement would be mailed to me and all subsequent billing would come via mail. \nI was more concerned with the credit showing a late payment and they told me there was not a way for them to rectify unless I disputed with credit agencies. \nI have disputed with all three agencies twice and they are not removing the XXXX day late. They also have charged me the late fee since I added the card to automatic payments and I have not once received a paper bill since. Also, I am still not receiving any email billing as I do not have whatever email they are sending to, if they even are. \nI want to rectify this prior to canceling this card, although this is just costing me more money every month even when not using. \nI consider this as fraudulent activity as I never authorized this billing change, which then activated late payment penalties and personal credit to be lowered.","date_sent_to_company":"2024-12-23T16:35:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34231","tags":null,"has_narrative":true,"complaint_id":"11252012","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-23T16:35:29.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have a <em>credit</em> <em>card</em> with XXXX XXXX XXXX  that is called XXXX XXXX <em>card</em>. This <em>card</em> charges monthly, whether it is used or not and I have never used the <em>card</em>, nor have I ever even activated the <em>card</em>. \nIn XXXX, I received a <em>credit</em> notification that I had a late payment on this <em>card</em>. I pay all of my <em>bills</em> based on receiving a paper <em>bill</em> and had not missed any <em>bills</em>. \nI called the number on the back of the <em>card</em> and was notified that they had changed my <em>billing</em> to an email address."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.307097,"11252012"]},{"_index":"complaint-public-v1","_id":"11274387","_score":11.306729,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have a credit card with XXXX XXXX XXXX that is called XXXX XXXX card. This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. \nIn XXXX, I received a credit notification that I had a late payment on this card. I pay all of my bills based on receiving a paper bill and had not missed any bills. \nI called the number on the back of the card and was notified that they had changed my billing to an email address. The email address was not correct and I had not given permission to do so. \nThe operator stated that if I made the payment immediately, I would not have a late fee and a statement would be mailed to me and all subsequent billing would come via mail. \nI was more concerned with the credit showing a late payment and they told me there was not a way for them to rectify unless I disputed with credit agencies. \nI have disputed with all three agencies twice and they are not removing the XXXX day late. They also have charged me the late fee since I added the card to automatic payments and I have not once received a paper bill since. Also, I am still not receiving any email billing as I do not have whatever email they are sending to, if they even are. \nI want to rectify this prior to canceling this card, although this is just costing me more money every month even when not using. \nI consider this as fraudulent activity as I never authorized this billing change, which then activated late payment penalties and personal credit to be lowered.","date_sent_to_company":"2024-12-23T16:35:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34231","tags":null,"has_narrative":true,"complaint_id":"11274387","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-23T16:35:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have a <em>credit</em> <em>card</em> with XXXX XXXX XXXX that is called XXXX XXXX <em>card</em>. This <em>card</em> charges monthly, whether it is used or not and I have never used the <em>card</em>, nor have I ever even activated the <em>card</em>. \nIn XXXX, I received a <em>credit</em> notification that I had a late payment on this <em>card</em>. I pay all of my <em>bills</em> based on receiving a paper <em>bill</em> and had not missed any <em>bills</em>. \nI called the number on the back of the <em>card</em> and was notified that they had changed my <em>billing</em> to an email address."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.306729,"11274387"]},{"_index":"complaint-public-v1","_id":"18268382","_score":11.286368,"_source":{"product":"Credit card","complaint_what_happened":"I paid over {$6500.00} using my XXXX XXXX store credit card ( issued by Citibank ) for a custom cabinet order placed on XX/XX/year>. At the time of purchase, XXXX XXXX represented in writing on my receipt and verbally confirmed that the cabinets would be delivered within 1014 days. This delivery timeline was a material factor in my decision to proceed with the purchase and charge it to my credit account. \nThe cabinets were not delivered as represented, and XXXX XXXX failed to perform according to the documented delivery terms. Despite this nonperformance, the full charge remained on my XXXX XXXX credit card account. I contacted XXXX XXXX multiple times to request an explanation for the charge, correction of the billing error, and issuance of a refund or credit due to nondelivery and misrepresentation. \nDuring this dispute process, XXXX XXXX formally offered a documented compensation/credit of {$2000.00}, acknowledging the failure to deliver as promised. I relied on this offer as part of the dispute resolution. That offer was later unilaterally reversed and withdrawn without justification, and no credit or refund was issued. The original charge continued to remain on my credit card statement. \nDespite my good-faith efforts to resolve this matter, the billing dispute was not properly resolved, and I received conflicting and inaccurate explanations regarding the status of the charge and the withdrawn credit. I was left responsible for charges related to goods that were not delivered as agreed, with no meaningful resolution through the dispute process. \nThis conduct constitutes improper billing, failure to issue a promised credit, and mishandling of a billing dispute under the Fair Credit Billing Act and Regulation Z, as well as unfair or deceptive practices related to a store-branded credit card account. As the issuer of the XXXX XXXX credit card, Citibank is responsible for ensuring that billing disputes related to nondelivery and misrepresentation are handled in compliance with federal consumer financial protection laws.","date_sent_to_company":"2025-12-24T05:31:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"22079","tags":null,"has_narrative":true,"complaint_id":"18268382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-12-24T05:08:59.000Z","state":"VA","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 was left responsible for charges related to goods that were not delivered as agreed, with no meaningful resolution through the <em>dispute</em> process. \nThis conduct constitutes improper <em>billing</em>, failure to issue a promised <em>credit</em>, and mishandling of a <em>billing</em> <em>dispute</em> under the Fair <em>Credit</em> <em>Billing</em> Act and Regulation Z, as well as unfair or deceptive practices related to a store-branded <em>credit</em> <em>card</em> account."],"product":["<em>Credit</em> <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 <em>dispute</em> about a purchase on your statement"]},"sort":[11.286368,"18268382"]},{"_index":"complaint-public-v1","_id":"11270834","_score":11.247994,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have a credit card with XXXX XXXX XXXX  that is called XXXX XXXX XXXX. This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. \nIn XXXX, I received a credit notification that I had a late payment on this card. I pay all of my bills based on receiving a paper bill and had not missed any bills. \nI called the number on the back of the card and was notified that they had changed my billing to an email address. The email address was not correct and I had not given permission to do so. \nThe operator stated that if I made the payment immediately, I would not have a late fee and a statement would be mailed to me and all subsequent billing would come via mail. \nI was more concerned with the credit showing a late payment and they told me there was not a way for them to rectify unless I disputed with credit agencies. \nI have disputed with all three agencies twice and they are not removing the XXXX day late. They also have charged me the late fee since I added the card to automatic payments and I have not once received a paper bill since. Also, I am still not receiving any email billing as I do not have whatever email they are sending to, if they even are. \nI want to rectify this prior to canceling this card, although this is just costing me more money every month even when not using. \nI consider this as fraudulent activity as I never authorized this billing change, which then activated late payment penalties and personal credit to be lowered.","date_sent_to_company":"2024-12-23T16:35:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34231","tags":null,"has_narrative":true,"complaint_id":"11270834","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-23T16:35:29.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have a <em>credit</em> <em>card</em> with XXXX XXXX XXXX  that is called XXXX XXXX XXXX. This <em>card</em> charges monthly, whether it is used or not and I have never used the <em>card</em>, nor have I ever even activated the <em>card</em>. \nIn XXXX, I received a <em>credit</em> notification that I had a late payment on this <em>card</em>. I pay all of my <em>bills</em> based on receiving a paper <em>bill</em> and had not missed any <em>bills</em>. \nI called the number on the back of the <em>card</em> and was notified that they had changed my <em>billing</em> to an email address."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.247994,"11270834"]},{"_index":"complaint-public-v1","_id":"7128630","_score":11.224726,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My issue is with Chase Card Services. The address I have been contacting is Chase Card Services XXXX XXXX XXXX XXXX DE XXXX. We have XXXX issues both during the period of XXXX XX/XX/2022. \n\n# XXXX. While in XXXX we used the card to charge on a toll bridge in XXXX while driving a rental car. The toll was approximately {$20.00} XXXX. The mistaken charge came on our credit card bill as {$200.00}. We filed a written dispute in XXXX of 2022. The response from the credit card company was that we owed the amount in question which was in error. We wrote back to the card company that the {$20.00} was authorized but not the {$170.00} # XXXX. On the same trip to XXXX our Credit card was stolen. We reported the theft within XXXX hour. We also reported the unauthorized charges of {$1400.00}. These charges were removed from our bill the next billing period but subsequently added back the month later. \n\nEvery month since that time we have written a dispute letter to the card company. The card company has ignored our dispute letters and continued to bill us plus service charges and interest every month. Several months ago we cancelled the account. \n\nNow we note that the credit card company has recorded a negative past due notation on our credit report and is not indicating this is an on-going dispute. The card company continues to ignore our correspondence on both issues and simply demands payment. \n\nWe have been a customer to this company for over 15 years without any issues.","date_sent_to_company":"2023-06-16T18:29:27.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92592","tags":"Older American","has_narrative":true,"complaint_id":"7128630","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-06-16T18:25:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Every month since that time we have written a <em>dispute</em> letter to the <em>card</em> company. The <em>card</em> company has ignored our <em>dispute</em> letters and continued to <em>bill</em> us plus service charges and interest every month. Several months ago we cancelled the account. \n\nNow we note that the <em>credit</em> <em>card</em> company has recorded a negative past due notation on our <em>credit</em> report and is not indicating this is an on-going <em>dispute</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <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 <em>dispute</em> about a purchase on your statement"]},"sort":[11.224726,"7128630"]},{"_index":"complaint-public-v1","_id":"3607204","_score":11.215035,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received my first bill from Chase in XX/XX/XXXX and I didn't recognize the charges. I called them and filed a dispute. I went through the process of disputing the charges and was denied. I explained that I had not even opened this card myself and that I was going through a divorce and I believed my ex opened the card and made the purchase. I learned a few weeks later that my ex opened 5 credit cards under my name. I had to call each credit card company and cancel them and filed a dispute. ONLY CHASE gave me a hard time. Every other credit card company filed a fraud case and cancelled the cared. However, CHASE kept sending me a bill plus late charges. For each month for an entire year and a half, I called Chase to dispute the bill and would go through the same process of filing the dispute. Each month when I called, the customer service rep would be very apologetic and assured me that the dispute would be respected and that this case would be closed. But, I continued to receive a new bill with new late charges and no explanation of what the initial bill was for. The initial bill was {$85.00}. Each month, the bill accumulated late charges -- and now today the bill exceeds {$400.00}. I kept calling each month asking Chase to break down the bill for me and tell me what the initial purchase was and how it got to this amount. I kept getting told that a manager would have to call me because even the customer service representative couldn't figure out the bill. Today is XX/XX/XXXX and I have yet to receive a call or explanation -- it's been over a year and a half. I am not responsible for the initial purchase nor this massive bill that has accumulated.","date_sent_to_company":"2020-04-15T15:00:11.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"55369","tags":null,"has_narrative":true,"complaint_id":"3607204","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-04-15T14:43:11.000Z","state":"MN","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I received my first <em>bill</em> from Chase in XX/XX/XXXX and I didn't recognize the charges. I called them and filed a <em>dispute</em>. I went through the process of <em>disputing</em> the charges and was denied. I explained that I had not even opened this <em>card</em> myself and that I was going through a divorce and I believed my ex opened the <em>card</em> and made the purchase. I learned a few weeks later that my ex opened 5 <em>credit</em> cards under my name. I had to call each <em>credit</em> <em>card</em> company and cancel them and filed a <em>dispute</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[11.215035,"3607204"]},{"_index":"complaint-public-v1","_id":"3843283","_score":11.204751,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was charged, in error, {$87.00} by XXXX as a first payment in a recurring billing agreement on XX/XX/2020. I discontinued the recurring billing plan and disputed the charge with XXXX, but still have not been credited with the {$87.00} on my XXXX bill. They have not charged my card again, but AMEX won't let me dispute the charge unless they are allowed to deactivate my card and issue a new one. I currently don't have a safe place to receive mail, nor can I afford to go 10 days without a valid card. I requested that they open the dispute without  changing my card as I haven't been charged again by XXXX and they refused.","date_sent_to_company":"2020-09-14T13:58:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"381XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3843283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2020-09-14T12:13:26.000Z","state":"TN","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I was charged, in error, {$87.00} by XXXX as a first payment in a recurring <em>billing</em> agreement on XX/XX/2020. I discontinued the recurring <em>billing</em> plan and <em>disputed</em> the charge with XXXX, but still have not been <em>credited</em> with the {$87.00} on my XXXX <em>bill</em>. They have not charged my <em>card</em> again, but AMEX won't let me <em>dispute</em> the charge unless they are allowed to deactivate my <em>card</em> and issue a new one."],"sub_issue":["Problem using a debit or ATM <em>card</em>"]},"sort":[11.204751,"3843283"]},{"_index":"complaint-public-v1","_id":"2558073","_score":11.193034,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was charged {$740.00} on X/XX/17 by XXXX XXXX for a reservation that was not authorized by me. I was the passenger for the reservation, but the purchase was made and authorized by a 3rd party, using the 3rd party 's credit card information. XXXX did not credit my charge card after I disputed it with Chase ( credit card company ) stating that becuase I used the ticket and my phone # and email address were associated with the reservation that I must have authroized the purchase to my credit card. That is NOT the case. The 3rd party provided their credit card information ( including billing address ) via phone for the reservation and mistakenly I WAS BILLED. I can not reach the 3rd party at this time, but that is not relevant. XXXX XXXX provided documentation to Chase in response to my dispute showing the WRONG BILLING ADDRESS in the transaction, so therefore I did not authorize the charge, since the billing address associated with the charge is incorrect.","date_sent_to_company":"2017-06-24T04:21:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"10128","tags":null,"has_narrative":true,"complaint_id":"2558073","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-06-24T04:10:00.000Z","state":"NY","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I was the passenger for the reservation, but the purchase was made and authorized by a 3rd party, using the 3rd party 's <em>credit</em> <em>card</em> information. XXXX did not <em>credit</em> my charge <em>card</em> after I <em>disputed</em> it with Chase ( <em>credit</em> <em>card</em> company ) stating that becuase I used the ticket and my phone # and email address were associated with the reservation that I must have authroized the purchase to my <em>credit</em> <em>card</em>. That is NOT the case."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[11.193034,"2558073"]},{"_index":"complaint-public-v1","_id":"18226044","_score":11.188501,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint about how my credit card issuer, Elan Financial Services, handled an unauthorized recurring billing dispute. \n\nMy American XXXX card issued by Elan was charged {$49.00} per month by XXXX starting in XXXX for a membership I never knowingly authorized and never used. I never booked or received any services. \n\nI disputed the charges and Elan issued provisional credits. While I was away, Elan sent emails requesting follow-up and then closed the dispute due to no response. After closing the dispute on this technicality, Elan allowed XXXX to charge my card again and re-post the disputed charges, even though the merchant had been canceled and my authorization was revoked. \n\nDespite my prior dispute, Elan did not block the merchant and allowed further unauthorized charges to occur.\n\nI am requesting that Elan properly handle this matter under the Fair Credit Billing Act by : Reversing all disputed charges, Permanently blocking Homeaglow from charging my account again, and Issuing a new card number to prevent further unauthorized billing. \n\nI never received any services, did not knowingly authorize recurring billing, and revoked authorization as soon as I discovered the charges.","date_sent_to_company":"2025-12-22T19:38:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"29212","tags":null,"has_narrative":true,"complaint_id":"18226044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2025-12-22T19:22:08.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am filing a complaint about how my <em>credit</em> <em>card</em> issuer, Elan Financial Services, handled an unauthorized recurring <em>billing</em> <em>dispute</em>. \n\nMy American XXXX <em>card</em> issued by Elan was charged {$49.00} per month by XXXX starting in XXXX for a membership I never knowingly authorized and never used. I never booked or received any services. \n\nI <em>disputed</em> the charges and Elan issued provisional <em>credits</em>. While I was away, Elan sent emails requesting follow-up and then closed the <em>dispute</em> due to no response."],"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 <em>dispute</em> about a purchase on your statement"]},"sort":[11.188501,"18226044"]},{"_index":"complaint-public-v1","_id":"5383649","_score":11.185288,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, I made a purchase using my Barclay XXXX XXXX that ends in XXXX in the amount of {$32.00}. \n\nOn XX/XX/XXXX, within seven days of purchase, I returned the purchase to the merchant and the merchant issued a full refund to an entirely different card that ends in XXXX. \n\nI brought this matter to the attention of Barclay billing disputes, and a billing dispute was opened, and was subsequently closed because at that time, the merchant falsely claimed that the merchandise was not returned. \n\nHowever, in an extensive email exchange with the merchant between XX/XX/XXXX, and XX/XX/XXXX, the merchant acknowledged that the merchandise was in fact returned and that the refund was not applied back to the Barclay credit card ending in XXXX. Instead, the refund was misapplied to a card that ends in XXXX. \n\nI brought these additional facts to the attention of Barclay billing dispute on XX/XX/XXXX, and attempted unsuccessfully to call Barclay executive office on XXXX but no one would ever answer the phone or return phone messages that were repeatedly left. In addition, the entire email exchange with this merchant was copied to Barclay 's executive office email address, XXXX, and again, no one ever responded or acknowledged it. \n\nBarclay is required under the Fair Credit Billing Act ( FCBA ), to resolve this billing dispute, and has since failed to effectively resolve it which may result in legal liability, damages and attorneys ' fees under the FCBA.\n\nIn summary, as noted above, the original purchase was made on the Barclay credit card ending in XXXX ; however, when the merchandise was returned, the merchant misapplied the credit/refund to an entirely different card number. Thus, under the FCBA, Barclay has a legal obligation to resolve this billing dispute, including charging this transaction back to the merchant and issuing a credit in the amount in dispute including any fees and accrued interest associated with this transaction.","date_sent_to_company":"2022-03-29T16:14:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5383649","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2022-03-29T15:34:35.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Barclay is required under the Fair <em>Credit</em> <em>Billing</em> Act ( FCBA ), to resolve this <em>billing</em> <em>dispute</em>, and has since failed to effectively resolve it which may result in legal liability, damages and attorneys ' fees under the FCBA.\n\nIn summary, as noted above, the original purchase was made on the Barclay <em>credit</em> <em>card</em> ending in XXXX ; however, when the merchandise was returned, the merchant misapplied the <em>credit</em>/refund to an entirely different <em>card</em> number."],"product":["<em>Credit</em> <em>card</em> or prepaid <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 <em>dispute</em> about a purchase on your statement"]},"sort":[11.185288,"5383649"]},{"_index":"complaint-public-v1","_id":"3364841","_score":11.140909,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I had a Citi ThankYou Preferred Card, and I had not been using the card for a very long time. There was an unauthorized charge posted on my account on XX/XX/XXXX for {$14.00}. Since I was out of country at that time, I didn't receive the bill and was not aware of the charge at all ( since I did not use that card for years ). So after three  months and two unpaid bills ( the {$14.00} was the only charge on these bills besides interests and fees ), the bank closed my credit card account. At the same time they closed my ThankYou reward account associated with the credit card and forfeited over 120,000 reward points accumulated during the last ten years. After I come back home in XX/XX/XXXX, I noticed this issue and immediately contacted Citibank and the ThankYou reward program. I told them that the charge was made in error, I should not have any bill and my credit card should not be closed. I was told that the reward points would be recovered once my credit card was reactivated, and the credit card could be reactivated if the bill was paid. So I paid the bill in full immediately, filed the dispute with unauthorized charge, and ask for reactivating my credit card. The dispute was resolved in my favor on XX/XX/XXXX, however, my credit card has not been reactivated till now. I contacted Citibank several times and each time they simply asked me to submit an application for reactivation, and then declined my application because there was an unpaid bill. It is very ridiculous because the only unpaid bill was the {$14.00} charge, which has already been disputed. Now I my over {$120000.00} reward points are still taken away. I have been a Citibank credit card customer for more than 10 years and never had any problem before. I just dont understand why I was punished for something which is not my fault. I felt that I was treated unfairly probably because I am not a XXXX XXXX and I could not speak XXXX fluently? I just want to get my reward points back. Please help me with that. Thank you.","date_sent_to_company":"2019-09-05T23:22:31.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"75025","tags":null,"has_narrative":true,"complaint_id":"3364841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-09-05T21:36:01.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["I was told that the reward points would be recovered once my <em>credit</em> <em>card</em> was reactivated, and the <em>credit</em> <em>card</em> could be reactivated if the <em>bill</em> was paid. So I paid the <em>bill</em> in full immediately, filed the <em>dispute</em> with unauthorized charge, and ask for reactivating my <em>credit</em> <em>card</em>. The <em>dispute</em> was resolved in my favor on XX/XX/XXXX, however, my <em>credit</em> <em>card</em> has not been reactivated till now."],"product":["<em>Credit</em> <em>card</em> or prepaid <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":[11.140909,"3364841"]},{"_index":"complaint-public-v1","_id":"18872998","_score":11.132293,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding recurring unauthorized billing on my Citi Simplicity account that Citi has repeatedly failed to stop despite card replacements, disputes, locking the card, revoking authorizations, and Citis verbal assurances that the suppression of recurring merchants and Account Updater/token mechanisms was completed. \n\nOver the past year, multiple merchants continued to bill my account through XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not consent to these recurring charges, and I repeatedly attempted to stop them. Citi verbally informed me that suppression had been applied and that recurring billing from these merchants would stop. I relied on those representations. \n\nDespite that assurance, new unauthorized charges continued to post to my account in XX/XX/XXXX : XX/XX/XXXX SP RYZESUPERFOODS {$100.00} ( pending ) XX/XX/XXXX STRONGSUIT/CALLIDUS AI {$140.00} XX/XX/XXXX DOCDRAFT SERVICE FEE {$9.00} XX/XX/XXXX XXXX {$21.00} XX/XX/XXXX AVAIL.CO SERVICES {$9.00} XX/XX/XXXX BALANCE OF NATURE {$69.00} These merchants were already part of an active dispute, which makes the continued billing a servicing failure and not a consumer failure. Citi continued to supply updated billing credentials to these merchants through Account Updater/token services even after I changed the card, locked the card, and disputed the transactions. \n\nInability to stop billing & denial of account control I have taken every consumer action available to me : changed card numbers locked the card revoked authorizations attempted to dispute individual merchants requested blocking of recurring billing requested disabling of Account Updater Despite this, Citi continued to allow merchants to bill the account using tokenized/card-on-file credentials, preventing me from stopping the harm and preventing me from exercising my dispute rights under the Fair Credit Billing Act. \n\nFailure of access to statements & records I also can not reliably access older statements online. I have been enrolled in paperless billing for years. Many earlier statements disappeared from the online portal following card changes, making it extremely difficult to identify and dispute charges in a timely manner. This impaired my ability to : view charges identify fraud dispute transactions block merchants mitigate losses This is an access and servicing failure that affected dispute timelines.\n\nRegulatory Harm Citis conduct has caused : forced utilization increases negative credit score impact ( approx. XXXX drop ) interest charges on unauthorized billing inability to stop recurring billing time and administrative burden impairment of FCBA dispute rights The over-limit condition and score drop were not consumer-driven ; they were a direct downstream result of Citi allowing unauthorized recurring merchant rebilling to continue after it represented that suppression was completed.","date_sent_to_company":"2026-01-20T22:11:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"067XX","tags":null,"has_narrative":true,"complaint_id":"18872998","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-01-20T21:53:58.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["<em>Credit</em> <em>Billing</em> Act."],"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>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[11.132293,"18872998"]},{"_index":"complaint-public-v1","_id":"7929321","_score":11.109282,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/2023 my credit card was charged {$120.00} for my normal XXXX XXXX for the month of XXXX. \n\nA few days later I got a extra charge on XX/XX/2023 for {$160.00} charged by XXXX. \n\nAnother few days later I received another charge on XX/XX/2023 for {$160.00} charged by XXXX. \n\nI contacted XXXX and the agent I talked to did not see the charge on my account and told me to contact my credit card company ( Apple Credit ). \n\nI disputed the charges with Apple Card for {$160.00} and {$160.00} and sent copies of my XXXX bill as proof that these were fraudulent/erroneous charges and the dispute was rejected. \n\nMy bills for XXXX around this time frame were the following which shows up on my credit card which are accurate. \n\nXXXX bill for {$100.00} paid on XX/XX/2023. \nXXXX bill for {$120.00} paid on XX/XX/2023. \nXXXX bill for {$130.00} paid on XX/XX/2023.","date_sent_to_company":"2023-11-30T20:08:48.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"77396","tags":null,"has_narrative":true,"complaint_id":"7929321","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2023-11-30T19:37:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I <em>disputed</em> the charges with Apple <em>Card</em> for {$160.00} and {$160.00} and sent copies of my XXXX <em>bill</em> as proof that these were fraudulent/erroneous charges and the <em>dispute</em> was rejected. \n\nMy <em>bills</em> for XXXX around this time frame were the following which shows up on my <em>credit</em> <em>card</em> which are accurate. \n\nXXXX <em>bill</em> for {$100.00} paid on XX/XX/2023. \nXXXX <em>bill</em> for {$120.00} paid on XX/XX/2023. \nXXXX <em>bill</em> for {$130.00} paid on XX/XX/2023."],"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>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[11.109282,"7929321"]},{"_index":"complaint-public-v1","_id":"5260261","_score":11.100265,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Someone took out a XXXX credit card in my name. The bill was coming to my home this was around XXXX for {$200.00}. I didnt open the bill because I assumed it was my sons bill who is a XXXX. I called XXXX fraud protection but they could not help me because someone was paying the bill up until XXXX. I pay my credit card bills, so {$200.00} which turned into {$700.00} plus. Now this is on my credit as a charge off. I asked for proof of me having this card, which they could not prove but put this on my credit. I need this removed as I have tried to dispute this. I have never took a XXXX credit card especially for {$200.00}.","date_sent_to_company":"2022-02-24T12:41:29.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"33542","tags":"Servicemember","has_narrative":true,"complaint_id":"5260261","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-24T12:41:26.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["I asked for proof of me having this <em>card</em>, which they could not prove but put this on my <em>credit</em>. I need this removed as I have tried to <em>dispute</em> this. I have never took a XXXX <em>credit</em> <em>card</em> especially for {$200.00}."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Billing</em> <em>dispute</em> for services"]},"sort":[11.100265,"5260261"]},{"_index":"complaint-public-v1","_id":"3835823","_score":11.097705,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The instructions on the back of my credit card statement for disputing a charge state that I must dispute it in writing, to be sent to the \" billing inquiries address listed on the front of your statement. '' There is no such address listed anywhere on my statement. There are three addresses listed on my statement, none of them labeled for billing inquiries. The credit card statement is from AT & T Universal Card. I've gone through AT & T 's laborious, confusing automated customer service phone system to ask them what the billing inquiries address is, but I couldn't get through.This is very frustrating and I assume many others must find this frustrating. Can someone please make AT & T properly list their billing inquiries address on their statements? Thank you.","date_sent_to_company":"2020-09-08T20:50:57.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"402XX","tags":null,"has_narrative":true,"complaint_id":"3835823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-09-08T20:20:11.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["The instructions on the back of my <em>credit</em> <em>card</em> statement for <em>disputing</em> a charge state that I must <em>dispute</em> it in writing, to be sent to the \" <em>billing</em> inquiries address listed on the front of your statement. '' There is no such address listed anywhere on my statement. There are three addresses listed on my statement, none of them labeled for <em>billing</em> inquiries. The <em>credit</em> <em>card</em> statement is from AT & T Universal <em>Card</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[11.097705,"3835823"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":21553,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":21553}]}},"product":{"doc_count":21553,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":5166,"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":4012},{"key":"Store credit card","doc_count":532}]}},{"key":"Credit reporting or other personal consumer 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