{"took":292,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":61,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6809186","_score":20.016739,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The paypal prepaid card is continuously getting canceled by someone. This has been an ongoing problem with most of my credit cards. The law is unwilling to give me a police report for theft for the ftc and the USPS is unwillingto investigate postal theft. The account number is XXXX, my name is XXXX XXXX XXXX and the amount is XXXX.","date_sent_to_company":"2023-04-07T12:53:03.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"413XX","tags":null,"has_narrative":true,"complaint_id":"6809186","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2023-04-07T12:39:45.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["The paypal <em>prepaid</em> <em>card</em> is continuously getting canceled by someone. This has been an ongoing <em>problem</em> with most of my <em>credit</em> cards. The law is unwilling to give me a police <em>report</em> for theft for the ftc and the USPS is unwillingto <em>investigate</em> postal theft. The account number is XXXX, my name is XXXX XXXX XXXX and the amount is XXXX."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["Trouble using the <em>card</em>"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"],"sub_issue":["Trouble using the <em>card</em> to spend money in a store or online"]},"sort":[20.016739,"6809186"]},{"_index":"complaint-public-v1","_id":"4752901","_score":17.307934,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2021, upon checking My PayPal prepaid app and noticing several unauthorized transactions from debit card to my account, I called PayPal prepaid at XXXX at XXXX XXXX. I spoke to an agent and let her know unauthorized charges were being made with my debit card number online, I stated I wished to cancel the card, because it was apparent it had become compromised somehow. She stated that she would send a new card in the mail, and that my disputes of these unknown and unauthorized transactions would be investigated within 10 days. \n\nOn XX/XX/XXXX, I recieved my usual, weekly direct deposit from XXXX. \n\nOn XX/XX/XXXX, i recieved my usual, weekly direct deposit from XXXX. \n\nOn XX/XX/XXXX, I recieved an email from PayPal Prepaid, requiring that I submit via email, a written dispute of the hundreds of unauthorized transactions that I reported orally on XX/XX/XXXX. It was stated I must do this to qualify for a provisional credit. I emailed and submitted my dispute document on XX/XX/2021. \n\nOn XX/XX/XXXX, i received confirmation of receipt of requested documents. It also stated my next update regarding my dispute would be XX/XX/2021. \n\nOn XX/XX/XXXX i recieved new card in the mail. \n\nOn XX/XX/2021, I received a text message from XXXX stating there may be a problem with your PayPal prepaid card. Please call XXXX before using your card. I immediately tried to check my account via the PayPal prepaid app, I could not access it, my access had been blocked. So I called the number listed in the text message. \n\nI was then told by an agent, that my account had been closed down indefinitely due to fraudulent activity. I could not access my direct deposit from XXXX that day, or ever. When asked about my provisional credit, I was told I was denied any such thing. I explained I was already late on my utilities due to this and I explained this was the only account I had. That I fully depended on that account. On top of that I was told my investigation would be extended until XXXX. Finally after begging for access to my own money, I was told to borrow money from family if I needed to pay bills and then I was hung up on. Now, my phone is shut off due to non payment, I cant not pay my bills since my money has been stolen from me from the card issuer. \n\nThe responses I have recieved from PayPal prepaid are unacceptable, woefully deficient, and disrespectful. My husband and I have missed going to 3 weeks worth of work due to this issue and have now both lost our jobs because we have not been able to access our funds so we can get to work. We have lost so much do these illegal, unfair, and harmful acts done by the card issuer.","date_sent_to_company":"2021-09-24T07:49:14.000Z","issue":"Unexpected or other fees","sub_product":"General-purpose prepaid card","zip_code":"759XX","tags":null,"has_narrative":true,"complaint_id":"4752901","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2021-09-24T07:26:36.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["It was stated I must do this to qualify for a provisional <em>credit</em>. I emailed and submitted my dispute document on XX/XX/2021. \n\nOn XX/XX/XXXX, i received confirmation of receipt of requested documents. It also stated my next update regarding my dispute would be XX/XX/2021. \n\nOn XX/XX/XXXX i recieved new <em>card</em> in the mail. \n\nOn XX/XX/2021, I received a text message from XXXX stating there may be a <em>problem</em> with your PayPal <em>prepaid</em> <em>card</em>. Please call XXXX before using your <em>card</em>."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"]},"sort":[17.307934,"4752901"]},{"_index":"complaint-public-v1","_id":"1591304","_score":15.869846,"_source":{"product":"Prepaid card","complaint_what_happened":"I recently complained to Better Business Bureau and to Consumer Financial Protection Bureau and American Express says they would not credit me my {$9.00} when I reported my prepaid debit card lost and stolen in the XXXX XXXX in XXXX, California, I mean I feel that American Express has terrible Customer Service and I am very mad that Consumer Financial Protection Bureau and Better Business Bureau has not been able to help me solve this problem I am having with them. Because I have banked with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and before I can report my debit card lost and stolen they always called me on my phone to tell me that some one is doing fraud on my debit card and even though I have lost my debit card more than once, they were always nice enough to issue me a credit or a reimbursement. The only reason why I am not using a bank and why I just American Express as a prepaid customer is because American Express does not charge me a monthly fee to be a customer and does not require a monthly balance. \n\nIf my wallet was never torn and I had a job and I was not living in a group home, having limited assets, getting paid social security once a month because I am XXXX and I have to pay rent to the group home otherwise I will be kicked out and I do n't get that much of money from Social Security, then I would never loose my cards in the first place and I will still be able to do business with American Express, because I wo n't have to be disputing charges and then they think I am doing identity theft or trying to scam American Express by saying I did n't make those charges by saying reimburse me for that money when I say send me a new debit card, when they have no prove that I lost my debit card. American Express is very unprofessional and violating the government regulation law when they are regulated by the FDIC because even though I get them a police report, they wo n't even investigate it or give me my {$9.00} back since there back office told them not to all because they closed my account and they do n't want to do future business with me ever again, but my friends have had a bank account or a credit union and have disputed transcations that are not there 's, especially if they can provide a police report and the bank or credit union has always returned the money back, if they did n't made those charges and protected them from identity theft, instead of blaming them that they are just trying to scam the prepaid banking department so they can get there money bank and cancel there card on purpose and abuse the system on purpose when they have no evidence when I really lost my prepaid debit card. And how will they know that I lost my prepaid debit card and I am not trying to get my {$9.00} when they would not take a police report from me. I mean, American Express was rude to me and said they do n't care if I report them to the new 's media that they wo n't give me back my {$9.00}. And I do n't want to take them to Small Claim 's Court if Consumer Financial Protection Bureau or XXXX ca n't force them to give me my money back but maybe use publicity to embrass them for having terrible poor people and interpersonal skills.","date_sent_to_company":"2015-10-06T16:47:43.000Z","issue":"Unauthorized transactions/trans. issues","sub_product":"ID prepaid card","zip_code":"94531","tags":null,"has_narrative":true,"complaint_id":"1591304","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2015-10-02T08:56:17.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I recently complained to Better Business Bureau and to Consumer Financial Protection Bureau and American Express says they would not <em>credit</em> me my {$9.00} when I <em>reported</em> my <em>prepaid</em> debit <em>card</em> lost and stolen in the XXXX XXXX in XXXX, California, I mean I feel that American Express has terrible Customer Service and I am very mad that Consumer Financial Protection Bureau and Better Business Bureau has not been able to help me solve this <em>problem</em> I am having with them."],"product":["<em>Prepaid</em> <em>card</em>"],"sub_product":["ID <em>prepaid</em> <em>card</em>"]},"sort":[15.869846,"1591304"]},{"_index":"complaint-public-v1","_id":"6435495","_score":15.711125,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2022 my prepaid Chime checking accounts was charged {$430.00} and on the same day my prepaid credit builder was also charged XXXX charges of {$430.00} ( {$870.00} ) There was XXXX in both accounts and my spot me was not on. I have {$210.00} in my savings on Chime. These charges were made from the quality inn where I have stayed for XXXX yrs. I pay $ XXXX every Thursday. These charges appeared on a Monday. I called the manager their system showed no charges just the last one made on on XXXX for {$430.00}. I called XXXX XXXX about it -no charges appear. Obviously the manager can see the charges came from XXXX XXXX on my chime account. He tells me XXXX other guests have the same problem. Their system was XXXXacked.I filed a dispute with Chime they denied it saying they are regular charges the see on my card and that I had my card on me! Well of course I had my card-the hotel was hacked I did not load my card!!! They did not investigate, never called the hotel to follow up. The hotel manager has called several times only to be left on hold for hours only to be hung up on. I made a police report, and still nothing. The hotel says the other guests have been refunded on their cards! My thing is hacked or not how does chime allow charges to come thru with no $ in the account? I could not over draw 1 penny!!! \nI need my account fixed I have {$210.00} dollars I can not get because you have to transfer to you checking to get it out!! I need help. It has been a month. And nothing!!!","date_sent_to_company":"2023-01-14T06:10:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"210XX","tags":null,"has_narrative":true,"complaint_id":"6435495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2023-01-14T05:39:41.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["He tells me XXXX other guests have the same <em>problem</em>. Their system was XXXXacked.I filed a dispute with Chime they denied it saying they are regular charges the see on my <em>card</em> and that I had my <em>card</em> on me! Well of course I had my <em>card</em>-the hotel was hacked I did not load my <em>card</em>!!! They did not <em>investigate</em>, never called the hotel to follow up. The hotel manager has called several times only to be left on hold for hours only to be hung up on. I made a police <em>report</em>, and still nothing."],"sub_issue":["<em>Problem</em> using a debit or ATM <em>card</em>"]},"sort":[15.711125,"6435495"]},{"_index":"complaint-public-v1","_id":"2930814","_score":15.660359,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had a Dispute with XXXX XXXX XXXX XXXX, which took almost 5 months to resolve. After sending numerous dispute letters to the company, they finally credited back the amount of the item that was purchased, that was never recieved. The company never resolved it, until i filed a CFPB complaint to get it resovle. \n\nComplaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement During this 5 months process, my account incurreced Fee 's each month, finance fee 's, which isn't allowed while my dispute in being handled. This company is not following FCRA guidelines in regards to my dispute. Also they are failing to even investigate the dispute with due diligence causing these fee 's. So, after they finally removed all charges that were under dispute, XXXX XXXX XXXX XXXX   left the Finance charges and then have reported it negatively to my Credit reports. This isn't correct. I've attached all dispute letters in reference to this.","date_sent_to_company":"2018-06-08T20:05:03.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32065","tags":null,"has_narrative":true,"complaint_id":"2930814","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2018-06-08T19:42:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> Issue : <em>Problem</em> with a purchase shown on your statement During this 5 months process, my account incurreced Fee 's each month, finance fee 's, which isn't allowed while my dispute in being handled. This company is not following FCRA guidelines in regards to my dispute. Also they are failing to even <em>investigate</em> the dispute with due diligence causing these fee 's."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> <em>into</em> an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[15.660359,"2930814"]},{"_index":"complaint-public-v1","_id":"16757276","_score":14.924961,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company Name : Citibank , N.A . ( Citibank XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding Citibank 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it. \n\nDETAILED DESCRIPTION : I have a closed credit card account with XXXX XXXX XXXX XXXX that was issued by Citibank XXXX XXXX ( Account # XXXX ). This account appears on my credit reports with late payment history. \n\nI sent a goodwill letter to Citibank 's address ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) requesting verification and adjustment of the account information. \n\nOn XX/XX/XXXX, I received a response from Citibank 's Cardmember Services - Credit Management Department stating : \" We received your credit reporting dispute. After reviewing the documentation provided, we do not have sufficient information to investigate the dispute because we can not : Determine the exact information on your credit report which you are disputing. \nLocate your account. '' CONTRADICTION AND ISSUE : Despite Citibank claiming they can not locate my account, this same account continues to be reported to the credit bureaus. My XXXX  credit report ( updated as recently as XX/XX/XXXX ) shows the account as \" XXXX XXXX & XXXX '' with the contact address matching Citibank 's XXXX XXXX location. \n\nThis creates several violations : 1. Citibank is reporting information they claim they can not verify or locate 2. This violates the Fair Credit Reporting Act 's requirement that furnishers maintain reasonable procedures to ensure accuracy 3. When a consumer disputes information, furnishers must investigate - Citibank refused to investigate by claiming they can not locate the account WHAT I WANT : 1. Citibank to either properly investigate and verify the account information OR cease reporting it to credit bureaus 2. If Citibank truly can not locate the account, they must request deletion from all credit bureaus 3. Written confirmation from Citibank regarding the resolution 4. Compensation for damage to my credit and the time spent resolving this issue SUPPORTING DOCUMENTS : - Citibank letter dated XX/XX/XXXX - Credit report showing the account still being reported - Evidence of my goodwill letter sent to Citibank","date_sent_to_company":"2025-10-22T13:11:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"16757276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-10-22T13:04:51.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Company Name : Citibank , N.A . ( Citibank XXXX XXXX ) Product : <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> Sub-product : Store <em>credit</em> <em>card</em> Issue : <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an existing <em>problem</em> Sub-issue : <em>Investigation</em> took more than 30 days WHAT HAPPENED : I am filing this complaint regarding Citibank 's failure to properly verify account information being <em>reported</em> to <em>credit</em> bureaus and their contradiction in claiming they can not locate my account while continuing to <em>report</em>"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.924961,"16757276"]},{"_index":"complaint-public-v1","_id":"16758190","_score":14.901835,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company Name : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding XXXX 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it. \n\nDETAILED DESCRIPTION : I have a closed credit card account with XXXX XXXX XXXX XXXX that was issued by XXXX XXXX XXXX ( Account # XXXX ). This account appears on my credit reports with late payment history. \n\nI sent a goodwill letter to XXXX 's address ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) requesting verification and adjustment of the account information. \n\nOn XX/XX/XXXX, I received a response from XXXX 's XXXX XXXX XXXX XXXX XXXX Department stating : \" We received your credit reporting dispute. After reviewing the documentation provided, we do not have sufficient information to investigate the dispute because we can not : Determine the exact information on your credit report which you are disputing. \nLocate your account. '' CONTRADICTION AND ISSUE : Despite XXXX claiming they can not locate my account, this same account continues to be reported to the credit bureaus. My Experian credit report ( updated as recently as XX/XX/XXXX ) shows the account as \" XXXX XXXX & XXXX '' with the contact address matching XXXX 's XXXX XXXX location. \n\nThis creates several violations : 1. XXXX is reporting information they claim they can not verify or locate 2. This violates the Fair Credit Reporting Act 's requirement that furnishers maintain reasonable procedures to ensure accuracy 3. When a consumer disputes information, furnishers must investigate - XXXX refused to investigate by claiming they can not locate the account WHAT I WANT : 1. XXXX to either properly investigate and verify the account information OR cease reporting it to credit bureaus 2. If XXXX truly can not locate the account, they must request deletion from all credit bureaus 3. Written confirmation from XXXX regarding the resolution 4. Compensation for damage to my credit and the time spent resolving this issue SUPPORTING DOCUMENTS : - XXXX letter dated XX/XX/XXXX - Credit report showing the account still being reported - Evidence of my goodwill letter sent to XXXX","date_sent_to_company":"2025-10-22T13:11:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"16758190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-22T13:10:36.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Company Name : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Product : <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> Sub-product : Store <em>credit</em> <em>card</em> Issue : <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an existing <em>problem</em> Sub-issue : <em>Investigation</em> took more than 30 days WHAT HAPPENED : I am filing this complaint regarding XXXX 's failure to properly verify account information being <em>reported</em> to <em>credit</em> bureaus and their contradiction in claiming they can not locate my account while continuing to <em>report</em> it."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.901835,"16758190"]},{"_index":"complaint-public-v1","_id":"2670619","_score":14.389696,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This is regarding a XXXX 's XXXX Rewards prepaid XXXX card. \n\nXXXX/XXXX/XXXX XXXX I made an \" in-store load '' with cash of {$440.00} XXXX XXXX XXXX XXXX XXXX dollars and XXXX. ) I was in a hurry to make my car payment that was over due via the telephone using this prepaid card. \nAfter loading the card, I called the loan company and tried to make a payment which was declined. The loan company was closing soon and I was concerned if I did not get a payment in that my car would be repo-ed. \nQuickly I called the customer care number on the reverse side of the card and the automated info did not reflect any such deposit. I never had to wait for any cash loads I had ever made on this card. The XXXX 's customer service agent had some kind of a weird technical glitch happen on her register when I loaded the cash to the card, and she explained that due to whatever unknown glitch that she was not able to print or reprint a receipt for me. My exact response to that was \" Great, I hope because of this that it wo n't end up being a problem for me some where down the line. She assured me there was no problem and that the money would be added the card. She told me sometimes you have to wait up to XXXX minutes for the card balance to reflect the cash load. I asked her to double check the transaction as well as the info she was giving me as for I had been using the card couple months and this was the first time I ever had to wait for the card balance to be credited. \nBeing the loan company was closing soon, and being that I was in a rush to get that paid and pick someone up from the airport, I decided that I would follow up with that credit later and in the meantime just load another cash load to the card that I hoped would be loaded quickly like it usually is and get that car payment in. So ... on ... \n\nXXXX/XXXX/XXXX XXXX I made a second cash \" in-store load '' via XXXX 's customer service counter and this time for the amount of {$400.00} XXXX XXXX XXXX dollars and XXXX. ) That loaded immediately to the card, I made the loan payment and rushed off to the airport to pick up my mom & brother coming in from XXXX. \n\nWhen I got at home, I was consumed with visiting with my family and thought it would be a great idea to stash that extra cash load on the card to cover my XXXX old son 's XXXX presents. So I tossed it in an old purse until XXXX XXXX. \n\nIn XXXX, I was very upset to call and check the card balance and find that {$440.00} cash load that I was not given a receipt for, was never added to the card balance. Therefore, I went to view the XXXX account online to see if there had been any fraudulent transactions that may have taken or used that money. I pulled up the statement and the statement shows the in-store cash load both the {$440.00} & the {$400.00} and there were no transactions that used the money as for it was never added to my card balance. \n\nI called the customer care number and explained the situation in XXXX XXXX and I was asked a lot of questions and told that a report was being filed and forwarded for investigation to their fraud department and that the {$440.00} would be added to the card balance within XXXX business days and if more Info was needed before the money was added that I would receive a call or email from an XXXX. I was given some \" Ticket '' number that I wrote down and lost the notebook I had written that, and the date and person I spoke to. It was a XXXX minute very long call, on hold waiting for supervisors and for policies to be confirmed and then transferred etc. \n\nIn 3 days I called the care number again, checked the card balance and verily disappointed found that no money had been added to the card. \n\nSo, again I called back, about a week before XXXX and when I explained the situation, the care representative said they did not see any report filed nor had the account been notated of any such occurrence, nor had anything about this been filed with their fraud department that the rep could see. \nI just could n't believe I spent all this XXXX minutes on a call and being transferred and put on hold and asked questions and more questions and put on hold again and giving dated and times etc and then they have no such report or complaint filed. So I set the task aside until after XXXX and the new year. \n\nIn XXXX of XXXX, I went online and viewed the statements again and clearly see the mistake and then become discouraged as for the website has a clause that says that any transaction disputes must be made within XXXX XXXX of the reported error. \n\nReally sure I disputed the error the very first day when I called the care number and reported I made a cash load in store, that the rep said she could see the cash load and that probably due to whatever glitch the cash register had was what was stalling or slowing down the process of those funds being added to my prepaid card balance.she said they never have any problems with the in store cash loads and i took for granted that I had n't either and in good faith believed it would be added no problems. \n\nThank you and please let me know if you need anything else XXXX, XXXX XXXX XXXX","date_sent_to_company":"2017-09-12T18:07:42.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"85301","tags":"Servicemember","has_narrative":true,"complaint_id":"2670619","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2017-09-12T16:32:55.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem adding money"},"highlight":{"complaint_what_happened":["Really sure I disputed the error the very first day when I called the care number and <em>reported</em> I made a cash load in store, that the rep said she could see the cash load and that probably due to whatever glitch the cash register had was what was stalling or slowing down the process of those funds being added to my <em>prepaid</em> <em>card</em> balance.she said they never have any <em>problems</em> with the in store cash loads and i took for granted that I had n't either and in good faith believed it would be added no <em>problems</em>"],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["Trouble using the <em>card</em>"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"],"sub_issue":["<em>Problem</em> adding money"]},"sort":[14.389696,"2670619"]},{"_index":"complaint-public-v1","_id":"7033854","_score":14.0508,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The California state government sent its residents a Middle Class Tax Refund late last year, and some of these cards were sent as prepaid cards. The state government had an agreement with Money Network that the debit cards would include chips to prevent fraud, but Money Network mailed cards without chips over the holidays. I was one of the recipients of these chipless cards, and while I was out of the country for the holidays my card that was preloaded with {$350.00} was stolen and drained at a local XXXX. After returning from my holidays and realizing that my card never arrived, I tried to reach out to Money Network for 1.5 months but couldn't get a hold of their customer service to report fraud, as the wait times would often exceed 1 hour and I would have to return to work. After contacting my state representative and the California Tax Franchise Board, who assisted me with reaching a customer representative, I filed a dispute on XX/XX/2023. Money Network sent me a new debit card and told me the dispute would take 45-90 days to resolve and I would have to call them back after the 45-day mark to learn about the results of the dispute investigation, as they wouldn't inform me themselves. So after XX/XX/XXXX, I began calling them every other week but was told the investigation was ongoing. During this period, I sent Money Network proof that I was not even in the US to receive the card, and since the card activation would require my SSN, they would know that the stolen card was never activated from my call logs. \n\nAfter I called them again on XX/XX/2023 I was told the dispute investigation was not resolved in my favor and the transactions were determined as legitimate. They also claimed to have sent me a letter explaining the investigation results, which I never received and I don't think they are telling me the truth. So, I filed an appeal to the dispute investigation results and sent Money Network more documents over e-mail, which show my other credit card activities that place me in another country on the date the fraudulent transactions took place. I asked Money Network to acknowledge the receipt of my documents and my appeal request as well, but never heard back. It still takes around XXXX hour to even reach a customer service representative. \n\nI also realized after receiving my card replacement that the envelopes with these preloaded debit cards were labeled \" YOUR CALIFORNIA MIDDLE CLASS TAX REFUND '' in red, which made these cards even easier targets. And I know I am not the only one whose vulnerable prepaid cards were targeted by fraudsters. Several news articles reported that the number of victims could be tens of thousands ( and according to the XXXX XXXX more than 1 million people never activated their Money Network cards ), but most of these people are already low-income, working difficult jobs, and don't have the time or the energy to stay on customer service line for an hour. So the customer service system of Money Network sets these people up for failure to even file a dispute. Below are a few news articles from reputable newspapers/news channels that covered this widespread problem : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-05-26T19:42:12.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"94606","tags":null,"has_narrative":true,"complaint_id":"7033854","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2023-05-26T18:56:05.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["They also claimed to have sent me a letter explaining the <em>investigation</em> results, which I never received and I don't think they are telling me the truth. So, I filed an appeal to the dispute <em>investigation</em> results and sent Money Network more documents over e-mail, which show my other <em>credit</em> <em>card</em> activities that place me in another country on the date the fraudulent transactions took place."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["<em>Problem</em> with a purchase or transfer"],"sub_product":["Government benefit <em>card</em>"],"sub_issue":["Charged for a purchase or transfer you did not make with the <em>card</em>"]},"sort":[14.0508,"7033854"]},{"_index":"complaint-public-v1","_id":"3584415","_score":13.890852,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I purchased a Netspend PrePaid Debit card with a deposit of XXXX. \nMy intention was for a single use. On XX/XX/XXXX I used the Netspend PrePaid Debit Card to pay XXXX payment to XXXX XXXX XXXX. XXXX XXXX XXXX could not get an authorization for the transaction although indicated to me it had gone through. They returned to card to me. As previously stated, I never had any intention of opening or maintaining any account with Netspend. I  never activated the account cards they sent me, as far as I was concerned my business with them was complete. When my XXXX Social Security Deposit was made to my PayPal Prepaid Mastercard, 1 month and a half later, I am unable to use my funds. It is at this time I find out that A ) Paypal in in cahoots with Netspend and Netspend had come across to all of my paypal accounts including my Paypal Prepaid Mastercard locking them. When I call to find out what was going on I am told I owe XXXX. Impossible, I go on to find out that XXXX XXXX XXXX Force Posted XXXX on to a XXXX prepaid Debit card to which NETSPEND Authorized. Now, a month and a half later, they come knocking on my door, freeze my Prepaid Mastercard which held all of my Social Security Money telling me I was going to pay them that money. That email is attached - I didn't take kindly to them threatening me that they would shut down all my accounts if I didn't pay the {$740.00} The whole point of a PREPAID card to to avoid overdrafts, overdraft fees or charges. Yet Netspend seems to think differently. I don't know of a single bank account or credit card account would allow someone to overdraft a XXXX account by 300 %! Having had another situation with them regarding another prepaid card I purchased at the same time in XXXX, I reached the end of my rope. I submitted the following letter, filed a complaint with the XXXX  demanding they retract the approval for XXXX immediately. I never authorized that, I never approved it, I never even knew about it. I bought a freaking PREPAID DEBIT CARD THAT IS ONLY GOOD FOR THE AMOUNT OF MONEY ON THE CARD! \n\nTwo days ago I received a letter and a bill from XXXX XXXX XXXX   for {$1100.00}, indicating that the bank had rescinded the authorization. The date alarmed me because it was before XX/XX/XXXX and this is the XXXX of XXXX and I have yet to receive the original XXXX deposit I had on the card. I immediately start combing through my emails to find an email sent to me on XX/XX/XXXX with a bunch of gibberish that suggested I may or may not get my original XXXX back. I will file a lawsuit against them if this is now the game they are playing. They take people 's money as if it belongs to them They place irrelevant holds on money putting people through hoop after hoop after hoop. At the end of the day - NETSPEND authorize a 300 % overdraft on a XXXX prepaid card. Not once did they catch it, contact me, stop the transaction, find suspicion because of the ungodly  amount. Not ONCE did they protect me, their supposed \" customer ''. Instead they approve such an egregious transaction and them try to make me pay for it. When I refuse and demand they cancel that approved transaction, they apparently do while continuing to HOLD MY MONEY! Any prepaid debit card company advertises no overdrafts, no fees. The definition of a PrePaid Debit card is the card is good for the amount of money loaded to it. Not according to Netspend. THIS COMPANY NEEDS TO BE SHUT DOWN! \n\nBelow you will read the first letter I sent them when I found out they had my Social Security Deposit., Per their request. I am also attaching the email correspondence from the person who is sitting on my XXXX 3 weeks after they reversed the transaction jabbering some 20 day XXXX for per a customer agreement. I told him I AM NOT HIS CUSTOMER. I never activated the card they sent me to replace the one from the gas station. I want my XXXX NOW! and I want some action taken against these crooks. I am XXXX years old, XXXX on a fixed income and this company is a bottom feeder on people like me and people who don't have bank accounts. Usually it's because they are poor. \n\nI have subsequently closed all PayPal accounts except the last remaining until I verify the transfer of my Social Security Deposit to another institution. Where I never had a problem with paypal and have used them for 7 or 8 years, the meer fact they have brought Netspend into their business cost them their business with me. \n\nI will keep taking what ever action I have to to get my money. Now with the nation in crisis, idiot companies like this see it as an even better opportunity to steal, take, hold, money that does not and never did belong to them. \n\nSincerely, XXXX XXXX XXXX after XXXX XXXX CST attachment groups - My initial response to them when I couldn't access my Social Security in XXXX, and Netspend 's email exchange before and after I find out through XXXX  - NOT NETSPEND that they reversed the charge. \n\nIf you are unable to see the message below, click here to view. \nNetspend Email Security Information : Email : XXXX Update Card Ending : XXXX Dispute Claim Confirmation Account Number : XXXX Claim Date : XXXX XXXX CST Claim Number : XXXX Claim Amount : XXXX Dear Valued Cardholder, Thank you for reporting this transaction error. We have opened a dispute claim for you. Your claim number is XXXX and should be used for future reference. \n\nWe will begin your investigation promptly. We will attempt to complete the investigation within 10 business days ( or 20 business days if this is a new account ). If we need more time we may take up to 45 calendar days to complete the investigation. For errors involving a new account, a point-of-sale transaction, or a foreign-initiated transaction, we may take up to 90 calendar days to investigate your claim. If we determine more time is needed, we may issue a temporary credit so you have use of your funds during the investigation. \n\nIf you wish to be eligible for a provisional, or temporary, credit to your account while we complete our investigation, you will need to send us a written notice of your dispute within the next 10 business  days. The written notice should include your name, account number and claim number ; transactions you believe are in error ; and the dates when the errors occurred. If we do not receive your written notice in the next 10 business days, we are not required to provisionally credit your account while we complete our investigation. Please note that for new accounts, we have up to 20 business days to provisionally credit your account. \n\nAdditionally, you may provide other information that you think would be helpful to our investigation - such as a police report, cancelled transaction receipts, or a copy of your agreement with the merchant. The written notice and any additional information should be sent to XXXX or faxed to XXXX. Please include your claim number & account number with all correspondence. \n\nIf we do not receive the written notice or any additional information from you, we will complete our investigation with the information we have available to us. \n\nThe results of the investigation will be sent to you in writing within 3 business days of completing our investigation. \n\nThank you for your patience as we investigate your claim. \n\nIf you have additional questions, please contact the NetSpend Customer Service Department at XXXX during normal business hours. \n\nSincerely, NetSpend Dispute Resolution Department XXXX. XXXX  XXXX XXXX, TX XXXX This message was sent to you because of changes, updates, or transactional activity on your Netspend Prepaid Card Account. Netspend is required to send you such notifications regardless of your unsubscribe status. Please do not reply to this message. \nNetspend.com | Privacy Policy | Update Email To ensure inbox delivery of Netspend Card emails, add XXXX to your contacts. \n\nThe Netspend Visa Prepaid Card is issued by XXXX, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Netspend , a  XXXX XXXX , is a registered agent of XXXX  . Card may be used everywhere Visa debit cards are accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. \n\n& copy XXXX XXXX XXXX XXXX, XXXX All rights reserved worldwide. XXXX and Netspend are federally registered U.S. service marks of XXXX XXXX XXXX , XXXX All other trademarks and service marks belong to their owners. \n\nNetspend XXXX. XXXX  XXXX, XXXX, TX XXXX The letter I sent when I find out I have no money - It was emailed XX/XX/XXXX to PayPal and to Netspend : Account Number : XXXX Claim Date : XXXX XXXX CST Claim Number : XXXX Claim Amount : XXXX Inbox x XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  to disputedocuments, me Re :  Account Number : XXXX Claim Date : XXXX XXXX CST Claim Number : XXXX Claim Amount : XXXX To Whom It May Concern, This letter was just sent to PayPal and will be sent shortly to all the names listed below. \n\nHere is some VERY important information that you should take very seriously - I will be sending this same information to the folks at Netspend as well. Once I do that, I will be taking all the information surrounding the freezing of my PayPal Prepaid Mastercard Account and the other accounts affiliated with the account to : 1. Social Security Administration 2.The Consumer Finance Protection Bureau 3 . National Consumer Law Center, Washington DC 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. State of Wisconsin Office of Attorney General 7. The Department of Financial Institutions - Division of Banking Why? Because the  PayPal Prepaid Mastercard Account olds my Social Security Income and my Social Security Income is EXEMPT ACCORDING TO FEDERAL LAW FROM BEING WITHHELD, GARNISHED, LEVIED under ANY circumstances by ANYONE with the exception of the Federal Government and Child Support. Second to that is Netspend nor PayPal followed ANY of the procedures stated by law necessary before simply locking me out of any source of income whatsoever. Thirdly, Netspend 's reason for doing this is nothing more than a continuation of unethical, unprofessional and unprincipled business practices. By illegally authorizing a rental car company to force post {$1100.00} on to a prepaid debit card containing a {$500.00} balance in XXXX. A transaction I knew NOTHING about until yesterday and a transaction I never approved nor authorized. Netspend, a company becoming fastly known as disreputable, never once notified me of a 300 % overdraft on a {$500.00} prepaid debit card intended for one use. NEVER! Instead they have snuck around the last several weeks slowly cutting access off to all of my PayPal accounts, my XXXX XXXX and as of yesterday, I find my MAIN account, my Paypal Prepaid Mastercard Account LOCKED. This account receives my Social Security Deposit EVERY SINGLE MONTH! As a result of this stunt, I have NO money, my rent check bounced today, I've two bills that have already bounced with a slew more lining up. This will damage my credit. Currently I don't even have a XXXX  to go buy milk, if milk cost a XXXX. I am in need of food for my XXXX animals, medications for myself and the right to continue living like anyone else in this world does. \n\nWhy? Why would ANYONE approve a 300 % overdraft on a prepaid debit card that has been registered less than an hour. WHY? WHY would anyone approve a prepaid overdraft of that magnitude in the first place ANYWAY? WHY, WHY did Netspend not contact me immediately after the transaction occurred? WHY? Why did/does Netspend think I'm the one who is supposed to pony up to someone's authorization of such and egregious amount, not to mention action. WHY, WHY did Netspend not see red flags and fireworks or when they DID see the red flag and fireworks, protect me - ME their customer? WHY, WHY am I being chased for a transaction I did not know about much less authorize? WHY? Does the Prepaid Debit Card not have Visa 's Zero Liability Coverage? If it does, WHY is Netspend trying to get money out of me? WHY didn't Netspend reverse a charge of that magnitude IMMEDIATELY? WHY? More importantly, WHY was it let through to begin with? WHY, WHY didn't PayPal due their DUE diligence by seeing the fact my account was/is exempt from this unprofessional activity by virtue of the fact it contains GOVERNMENT BENEFITS! WHY? Doesn't anybody do their jobs anymore? WHY, WHY did neither company comply with the laws surrounding the freezing of someone's bank accounts? WHY? They had/have a legal obligation AFTER receiving a notice of garnishment ( which never existed ) or notice of Judgement from a court ( which never existed ) to provide me with the results of it's review! The law clearly states that my accounts can not be frozen without a court order. PERIOD. May I remind you here that I DID NOT HAVE A SINGLE CLUE  ANYTHING HAD OCCURRED - NOT A SINGLE CLUE SOME FOOL MANAGED TO OBTAIN {$1100.00} off a {$500.00} Prepaid Debit Card. Moreover, it was also PayPal 's job aside from informing me of some sort of court order, but the date the order was received, a brief explanation of the garnishment, an explanation of PayPal 's responsibility to protect my federal benefit payments that are direct deposited during the look back period and keep them accessible to ME. ( Yes, PAYPAL and NETSPEND need to learn a lot here! ). PayPal and Netspend, particularly PayPal was supposed to protect my account. PayPal DID NOT. I have been locked out of this account along with my PayPal accounts for some time it would appear. As far back as XX/XX/XXXX when I woke up to a strange email message that someone has cancelled their billing agreement with XXXX. It was odd and I had begun having trouble logging in to that account around the same time. Then within the last 10 days I get another strange email telling me my Prepaid MasterCard for THIS account was no good and couldn't be used in XXXX XXXX. NOW I am growing concerned over these odd occurrences. Jump forward to this weekend and everything becomes apparent starting with my intent to list auctions on XXXX - The email address I had formerly used at PayPal to get paid wasn't any good. Then I see a hold on my XXXX XXXX XXXX XXXX  XXXX PayPal account, followed by coming to this ( my PayPal Prepaid Mastercard account ) after 4 attempts to make an online purchase Friday night was declined with a XXXX balance in the account. My anxiety over this series of events started mounting. It wasn't until I spoke with PayPal yesterday, that the entirety of Netspend 's deceptive practices came to fruition. Out of know where I am told I owe Netspend 700+ dollars from another account!! I don't HAVE a Netspend Account. I ask myself how is this possible, I used a XXXX PREPAID card. \n\nAccording to Netspend 's website, and disclosure notice : 1 ) your account is LIMITED to the funds you have loaded on the card. 2 ) You may not exceed the available amount in your Card Account through and individual transaction or a series of transactions - unless WE DECIDE ( meaning you- NETSPEND ) in our sole discretion, to approve such transaction ( s ) and that is only true if you have qualified for \" Purchase Cushion Coverage ''. 3 ) If you do not have enough funds in your account you can instruct a merchant to conduct a split transaction. If you fail to inform the Merchant that you want to do this, your card is likely to be declined. 4 ) In bold letters No OVERDRAFT/Credit Feature. 5 ) If you meet our eligibility requirements, we may authorize negative balances resulting from PIN-based and signature based transaction initiated through our third party bill pay service providers ... .... you may receive only one XXXX negative balance allowance at a time.  Negative balances are approved at our discretion on a per transaction basis. We approve ... .on our authority ... ... ..if we decide, if we authorize ... ... ... That's prevalent throughout your paperwork. No Credit. No Overdrafts, Spend only what's on the card followed by any and everything happens with your approval or authorization which leaves me to ask, WHO THE XXXX THEN, AUTHORIZED AN {$1100.00} CHARGE AGAINST A {$500.00} PREPAID LESS THAN AN HOUR OLD DEBIT CARD? then did NOTHING to protect much less notify AT ANY POINT along the way, me, your customer. \n\nWhy is a prepaid debit called a PREPAID Debit card if ANY amount can be taken off it while XXXX  the individual who owned it. WHY? What is the point of the XXXX card? I intended for the card to be used ONE time and one time only. The merchant was having trouble getting her computer to accept the forms of payment and finally after much struggling said she got it through but did not get any authorization. She handed me back the card, told me the number of the debit card was on file in the system. She furthered her statement by saying she had XXXX  out the contract so the car could be re-rented however she would get in trouble for doing so but she had to clear the car for rental and things would need to be continued. She KNEW the card had a XXXX maximum limit. Unintending any further usage of the card, I had no reason to check it. I cut it up, disposed of it and did not activate the printed version of the card that came to my home. \n\nWhat concerns me all the more is Netspend blocked another card I purchased within 24 hours of my purchasing it insisting on more intensive proof I was who I said I was. It took me weeks of fighting to get my money back, and not without incurring financial problems, unpaid rent, forced to travel with no money, exacerbated health issues and countless hours of no sleep while doing just what I am doing now - fighting to not get ripped off ONCE again. Netspend, the company who put me through identity XXXX just a mere 6 weeks  ago authorized someone to come in an overdraft another card by 700 + dollars, doing nothing about it, other than 6 weeks later illegally intercepting my Social Security XXXX Income bank account, cut off any and all access I had to get any money by blocking all my paypal accounts followed by now attempting to extort the overdrafted amount THEY caused, out my my own funds. \n\nHow disgraceful is it for a corporation to have XXXX complaints registered with the XXXX XXXX XXXX over the last 3 years. How disgraceful is it for a corporation to be plastered all over the web as the only company to take great steps to fight the placement of the Consumer Financial Protection Bureau 's PrePaid Debit Card Law ( April 2017 ) designed to protect consumers from any hidden terms or overdraft fees on prepaid cards. How disgraceful are you to pay hundreds of thousands of dollars to solicit political favors from the Republican party so in term you could use them as a way of getting rid of it. Some would call that a quid-pro-quo wouldn't they. \n\nBottom line, Netspend NOR PayPal should have EVER Frozen/locked ANY of my accounts. And the process by which they chose to do so clearly violates my rights and the law. \n\nMy Social Security is protected by the Federal Government! therefore, PayPal/Netspend has until XXXX XXXX today, XX/XX/XXXX to restore complete and full access to my accounts - ALL my accounts, including access to my money or all XXXX is going to break loose because I will go to any and every source I can, any source I think may have a hand in restoring access to my GOVERNMENT PROTECTED ACCOUNTS followed by any source that will take action to stop this unprincipled behavior against any other individuals and any source that will advise and assist me in the filing of charges against Netspend and any other parties deemed involved for damages I have sustained from Netspend 's unprofessional, shady and self servicing practices since XXXX of XXXX. You should be advised that this letter will be distributed to all parties listed above, not just PayPal and Netspend and will be done almost immediately after I sign it. \n\nVery truly yours, XXXX XXXX XXXX XXXX After XXXX XXXX \n\n\nThis was also sent to the XXXX  : XXXX  Complaint Case # XXXX ( Ref # XXXX ) Inbox x XXXX XXXX XXXX   <XXXX> Tue, XX/XX/XXXX, XXXX XXXX to me Complaint ID # : XXXX Business Name : PayPal , Inc . \n\nThank you for contacting XXXX. Your complaint was received by XXXX  on XX/XX/XXXX and has been assigned case # XXXX our files. Please make a note of this number for future reference. \n\nYour complaint has been applied to the following business : PayPal , Inc . \nXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The case has been reviewed and has now been forwarded to the business for their response. This business has until XX/XX/XXXX to respond to your complaint. You may contact our office after XX/XX/XXXX to check the status of your complaint. \n\nWe encourage you to use our ONLINE COMPLAINT system to keep up with the progress of this complaint. To view the details of your case please go to the following website address : http : XXXX. \n\nSincerely, XXXX XXXX Complaint Specialist XXXX  Complaint Department This is the first response from Netspend : On XX/XX/XXXX, at XXXX XXXX, Corporate Customer Response Team <XXXX> wrote : >> >> Account Reference Number : XXXX and XXXX >> Dear XXXX, >> Hello my name is XXXX and I am part of the Presidents Corporate Response Team. I will be assisting you any concerns or questions you may have. \n\n\n>> The reason that your account is overdrawn {$730.00} is because XXXX XXXX force posted a transaction on to your account. Since the merchant has obtained your card number, the merchant can sometimes force a transaction to post ( collection ) on your account. In the event this happens, we can open a dispute or you can contact the merchant to resolve the agreed payment. \n\n\nDo keep in mind that the block has been removed from your account ( XXXX ) however, our team can potentially close all your accounts if this balance is not paid. \n\n\n>> If you have additional questions or concerns, please do not hesitate to contact me at the phone number below. \n\n\n>> Thank you, XXXX XXXX Sr. Customer Experience Analyst Netspend, a XXXX XXXX XXXX, TX Office : XXXX Hours : Monday- Tuesday : XXXXXXXX XXXX to XXXX XXXX CST Thursday- Friday : XXXX XXXX to XXXX XXXX. CST Confidentiality Notice! This electronic transmission and any attached documents or other writings are confidential and are for the sole use of the intended recipient ( s ) identified above. This message may contain  information that is privileged, confidential or otherwise protected from disclosure under applicable law. If the receiver of this information is not the intended recipient, or the employee, or agent responsible for delivering the information to the intended recipient, you are hereby notified that any use, reading, dissemination, distribution, copying or storage of this information is strictly prohibited. If you have received this information in error, please notify the sender by return email and delete the electronic transmission, including all attachments from your system. \n\nThis is the last correspondence between myself and Netspend as of today - Important Account Information XXXX  XXXX XXXX Ref. #  XXXX << Reference ID : XXXX >> Inbox x NETSPEND RIP OFF x Corporate Customer Response Team <XXXX> Wed, XX/XX/XXXX, XXXX XXXX  to me, XXXX, XXXX Dear XXXX XXXX Although I have been unable to speak with you, I wanted to follow up on your dispute claims. \n\n1. When investigating dispute claims reported by our cardholders, we adhere to the processes as defined in both Regulation E and in Netspend cardholder agreements that our customers receive when opening an account. We have reviewed your claims and have determine they are being handled correctly. \n\n2. The dispute claim XXXX was opened on XX/XX/XXXX. The claim will be updated on XX/XX/XXXX. The update timeframe for a new account is twenty business days. The letter of dispute must be received in the first ten business days for you to be eligible for provisional credit. \n\n3. The letter of dispute has been received for the claim XXXX. \n\n4. Due to the large negative balance on account XXXX, ( {$730.00} ), our Recoveries Team blocked your other Netspend accounts on XX/XX/XXXX. Those blocks were removed after you opened the dispute claim. \n\n\nIf you have any further questions or concerns, please feel free to contact me at the number below. \n\n\nThank you, XXXX XXXX XXXX Customer Experience Specialist Netspend a Global Payments Company XXXX XXXX Confidentiality Notice! This electronic transmission and any attached documents or other writings are confidential and are for the sole use of the intended recipient ( s ) identified above. This message may contain information that is privileged, confidential or otherwise protected from disclosure under applicable law. If the receiver of this information is not the intended recipient, or the employee, or agent responsible for delivering the information to the intended recipient, you are hereby notified that any use, reading, dissemination, distribution, copying or storage of this information is strictly prohibited. If you have received this information in error, please notify the sender by return email and delete the electronic transmission, including all attachments from your system. \n\n\nXXXX XXXX <XXXX> Wed, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to Corporate I received a bill from Budget to the tune of {$1100.00} with a letter stating you rescinded approval for the charge they placed on account XXXX. Where is the original {$500.00} I paid for and put on that card on XX/XX/XXXX? Why hasn't it been returned to me? XXXX XXXX letter is dated XX/XX/XXXX which means you reversed the charges prior to XX/XX/XXXX. Today is XX/XX/XXXX. Do I need to file more complaints with the XXXX  and The Consumer Financial Protection Agency, The Wisconsin Department of Agriculture, The Federal Trade Commission and the State of Wisconsin Attorney General 's Office? That money should have been returned to me immediately once you rescinded the force post XXXX did to that account without my authorization, approval or knowledge. You have until Friday to get my money returned to me or I will begin contacting all the agencies listed above. \n\nSincerely, XXXX XXXX XXXX XXXX <XXXX> Wed, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to Corporate One last thing - I do NOT have any accounts with you. I purchased 3 cards for ONE time use. I have not activated any permanent card ( s ) you sent me nor do I intend to. I have never had an account with you - I have only purchased your prepaid gift cards for a single use. Therefore please stop referring to my having an account with you like it's ongoing and we have some sort of relationship - it isn't, it never was. I have subsequently closed all my PayPal accounts except one which will also be closed once my Social Security Deposit hits my new bank accounts. Because of your business practices,  PayPal lost a customer of 8 - 10 years. I will not do business with any company associated with you in any shape or form whatsoever. Stop holding money that isn't yours to hold, at least that's what your email suggests by some claim updates by XX/XX/XXXX ... .and 20 days something or other for account holders. Let me repeat myself - I DO NOT HAVE AN ACCOUNT WITH YOU. If my money hasn't been refunded by XXXX  Thursday night, XX/XX/XXXX, I will proceed with the filing of this entire fiasco to the appropriate state and federal agencies already mentioned in my prior email. \n\nSincerely, XXXX XXXX I want my money NOW - enough of this crooked company! Someone needs to please put them out of business!. \n\nThank you, XXXX XXXX","date_sent_to_company":"2020-03-28T09:42:54.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"53214","tags":null,"has_narrative":true,"complaint_id":"3584415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2020-03-28T08:20:06.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble closing card"},"highlight":{"complaint_what_happened":["If we do not receive your written notice in the next 10 business days, we are not required to provisionally <em>credit</em> your account while we complete our <em>investigation</em>. Please note that for new accounts, we have up to 20 business days to provisionally <em>credit</em> your account. \n\nAdditionally, you may provide other information that you think would be helpful to our <em>investigation</em> - such as a police <em>report</em>, cancelled transaction receipts, or a copy of your agreement with the merchant."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["<em>Problem</em> getting a <em>card</em> or closing an account"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"],"sub_issue":["Trouble closing <em>card</em>"]},"sort":[13.890852,"3584415"]},{"_index":"complaint-public-v1","_id":"6729768","_score":13.438728,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Following Items have been disputed with XXXX Credit Bureau and removed in XXXX and XXXX of XXXX, XXXX. XXXX XXXX XXXX XXXX- {$7500.00} Was removed due to it being a Judgement, as ( evidence of a Court Judgement was provided ) to the Bureau in their investigation, which they did remove, then re-instated back on my credit. and according to NCLCs Fair Credit Reporting 4.3.2.5. For Fair Credit Reporting Act violations as to the reasonableness for CRA procedures regarding public record information, see Id. 4.4.6.5. and a violation of 15 U.S.C. 1681 ] Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \n\nXX/XX/XXXX - The Judgement was placed back on my credit by XXXX, and listed inaccurately as \" Account Open ''. When the account is \" Closed ''. And to be removed once again. They are required by law to remove it for good from my credit, without re-instating it. Or re aging. \n\nXXXX. XXXX removed a Tax Lien/Collection account from the County of San Bernardino Department of Child Support Services . The account was removed because it was too old to be on my cr dit report because the date of first delinquency was XX/XX/XXXX. ( Evidence was provided showing first date of delinquency ). XXXX has committed fraud, and an illegal act resulting in a crime of re -aging debt on my credit affecting my credit score. These were disputed removed, and re aged and placed back on my credit report dropping my XXXX score down to a XXXX. \n\nFederal Law States Re-Aging a Debt Account Is Illegal and It Destroys Your Credit. To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). And XXXX is in violation of the Code. They are required by law to remove it. \n\nXXXX XXXX XXXX - XXXX has been provided evidence this account was paid off, and the creditor, and I had an agreement that if the cell phones with XXXX XXXX were paid off then that eliminated the {$2400.00},. I provided proof of the write off, and phones paid to XXXX which they removed in XXXX of XXXX, then placed back on my credit XXXX of XXXX without my knowledge as owing XXXX XXXX XXXX. Which I do not owe them anything. The credit bureaus should have deleted the item from my credit for good,. It should be made aware to them in proper agency training that a write off means What happens if a debt is written off? \n\nIf a creditor writes off a debt, it means that no further payments are due. In addition : the balance should be set to XXXX on credit reference agency reports ; the debt will be registered as a default on credit reference agency reports ; and.Although a write-off on a debt is not easy to get, it is possible and has clear benefits : 1. you are released from the burden of the debt ; 2. recovery action stops ; 3. stress and anxiety are reduced ; and 4. you can make a fresh start. \n\nXXXX XXXX XXXX - {$820.00} This account for XXXXXXXX XXXX XXXX XXXXl was removed in XXXX of XXXX when it was proven the agency overcharged, with illegal surcharges racking up a balance of {$820.00}, when the account was paid in full, and re-instated on my credit by XXXX, XXXX needs to be made aware that there are California State Laws that restrict these unethical practices. \n\nit is a violation of 1985, California law ( Civil Code section 1748.1 ) that prohibited merchants from adding a surcharge ( an extra fee ) when customers pay by credit card instead of cash. \n\nNext is Experian-. In XXXX Of XXXX, the following items were removed from my credit report bringing my Experian Credit score up to a XXXX. \n\nAs of XX/XX/XXXX Experian has placed XXXX XXXX XXXX XXXX XXXX  - {$330.00} which they updated the balance as of XX/XX/XXXX It was made aware of the prepaid card Consumer Protection Act? \n\nSummary : The Prepaid Card Consumer Protection Act prohibits card issuers from charging fees or designating expiration dates. Background : The 2009 federal CARD Act restricted fees, prohibited expiration in less than five years, and imposed strict disclosure requirements. \n\nA XXXX XXXX XXXX XXXX XXXX - A prepaid card is a card you can use to pay for things. You buy a card with money loaded on it. Then you can use the card to spend up to that amount. A prepaid card is also called a prepaid debit card, or a stored-value card. You can buy prepaid cards at many stores and online. \nXXXX XXXX you only use the money on it you load,. It does not extend credit so the {$330.00} it charged is an illegal charge that goes against federal Card Act. There fore this account requires to be removed by Experian. The balance is not LEGAL! \n\nXXXX XXXX XXXX This is Duplicated Debt that was supposed to be deleted. This is XXXX 's XXXX XXXX which is also reported by XXXX XXXX XXXX XXXX \n\nXXXX XXXX XXXX- {$2400.00}. \n\nThe balance is supposed to be set to {$0.00}, Consumer submitted evidence to them XXXX XXXX, that the original creditor XXXX had written off the debt, as agreement that iphones where paid off in full,. Experian still has not removed the debt even after receiving evidence. They should be trained on what write off means. \n\nThis account was removed in XXXX of XXXX, then placed back on my credit XXXX of XXXX without my knowledge as owing XXXX XXXX XXXX. Which I do not owe them anything. The credit bureaus should have deleted the item from my credit for good,. It should be made aware to them in proper agency training that a write off means What happens if a debt is written off? \n\nIf a creditor writes off a debt, it means THAT NO FURTHER PAYMENTS ARE DUE. In addition : the balance should be set to XXXX on credit reference agency reports ; the debt will be registered as a default on credit reference agency reports ; and.Although a write-off on a debt is not easy to get, it is possible and has clear benefits : XXXX XXXX XXXX XXXX XXXX {$7500.00} -Civil Judgement Evidence of a Civil Judgment was submitted to Experian, and verified over the phone they received it Credit Bureaus no longer report Eviction Judgements. It was removed and then re-instated back on my credit. and according to NCLCs Fair Credit Reporting 4.3.2.5. For Fair Credit Reporting Act violations as to the reasonableness for CRA procedures regarding public record information, see Id. 4.4.6.5. and a violation of 15 U.S.C. 1681 ] Judgment. Under the FCRA, civil judgments do not appear on your credit reports anymore due to a settlement the credit bureaus made called the National Consumer Assistance Plan ( NCAP ) ( more on that later ).\n\nThis is a violation of the FCRA, Negligence, and Experian 's willful Failure to Comply, and Experian can, and will be sued for damages if this problem persists.\n\nThe FCRA imposes civil liability for negligent and willful failures to comply with its requirements ( 15 U.S.C. 1681n, 1681o ).","date_sent_to_company":"2023-03-21T07:54:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"96001","tags":"Servicemember","has_narrative":true,"complaint_id":"6729768","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-21T07:54:25.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["A XXXX XXXX XXXX XXXX XXXX - A <em>prepaid</em> <em>card</em> is a <em>card</em> you can use to pay for things. You buy a <em>card</em> with money loaded on it. Then you can use the <em>card</em> to spend up to that amount. A <em>prepaid</em> <em>card</em> is also called a <em>prepaid</em> debit <em>card</em>, or a stored-value <em>card</em>. You can buy <em>prepaid</em> cards at many stores and online. \nXXXX XXXX you only use the money on it you load,. It does not extend <em>credit</em> so the {$330.00} it charged is an illegal charge that goes against federal <em>Card</em> Act."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> <em>into</em> an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[13.438728,"6729768"]},{"_index":"complaint-public-v1","_id":"3649075","_score":13.335385,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Netspend Fraud - XX/XX/2020 ( XXXX XXXX ) I believe I am a victim of fraud by Netspend or by people creating fraudulent Netspend credit card accounts under my name. I need help resolving this issue as all my attempts to do so through the company have been unsuccessful. Please provide guidance to me. \n\nOn XX/XX/2020, I got four emails in a row starting around XXXX ET, over the course of 5 minutes, from noreply@netspend.com. The emails were NOT encrypted ( seems very unusual for such emails ) and each contained a security code, like someone was trying to reset a password or enter an account fraudulently. I had previously never heard of Netspend. \n\nOn XX/XX/2020, I went online ( https : //www.netspend.com/help/contact/ ) and called Netspend to look into the situation and try to put an end to any fraudulent activity, which I was very concerned about. Before being able to talk with a customer service representative, the automated phone options ( XXXX ) force you to enter either a Netspend account number or your full social security number. I dont have any account with Netspend and I was calling to close any possible fraudulent account, and there was no way I was going to give over my full social security number given my concerns. \n\nUnable to reach a customer service representative on the phone, I emailed one of Netspends supposed fraud complaint emails ( spoof@netspend.com ) writing them : I never applied for this card, do not want a card, and believe this represents fraud. It needs to be investigated and the account closed immediately.\n\nI tried calling your phone number, but there is no way to reach someone if you don't have an account ( or maybe even if you do ). Unbelievable.\n\nThere was no response from Netspend. \n\nOn XX/XX/2020, I got an email at XXXX XXXX ET from card@email.netspend.com stating that Your Netspend card is on the way, although I never requested a card nor would I ever request one with Netspend. The email stated that my Netspend Visa Prepaid Card has been shipped and is on its way to you. Once your card arrives, be sure to activate it and verify your identity. * After that, add money to your Card Account and then use your card to buy groceries, pay bills,1 and shop online! \n\nI got similar emails from Netspend on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I received an email from Netspend stating : thank you for requesting your new Netspend Visa Prepaid Card. Don't forget to activate your Card Account and verify your identity! \n\nI noticed that the different emails from Netspend included information stating my email address ( although written differently than I typically type it ) as well as the last digits of the supposed prepaid card. However, some emails included four digits, while other emails included just three digits. \n\nOn the morning of XX/XX/XXXX, I spent an hour on the phone between XXXX and XXXX trying to reach a customer representative at the customer service number. I entered digits for a social security code ( although I made them up ) when faced with the automated phone system requiring a social security number. Then, after waiting for 10 minutes, I finally reached a representative who immediate started saying she couldnt hear me. I said I could hear her and that I was calling to look into a problem, but she continued to talk over me and then returned me to the automated phone system again.\n\nI called back and used the same method to get to another representative. Again, they asked how they could help me, then subsequently said, If you can hear me caller, please respond. I said I could hear him and asked if he could hear me and that I was calling to report a problem, but he kept repeating the same thing over and over several times, like from a script. And then the line went dead and I was in silence. \n\nBoth interactions seemed very contrived. I believe they could, in fact, hear me and that his was just part of the scam. I have never had any audio issue with my phone and successfully made and received calls with other callers the same day without any audio issues. \n\nAfter my frustrating phone calls with Netspend, I then wrote an email at XXXX on XX/XX/XXXX to the XXXX  of Netspend ( XXXX ), and email address that is posted at https : //www.netspend.com/help/contact/ for complaints or compliments. In my email I wrote again that I had never applied for a card, did not want a card, and that I felt this represented fraud and that it needed to be investigated and the account closed immediately. I reported that I had tried to call severals times, but that I had encountered the problems described above with the automated phone system asking for impossible or sensitive information, and then representatives who appeared to be pretending not to hear me while reading from a script. At the end of my email, I wrote that I planned to submit complaints to the Consumer Protection Bureau, the Better Business Bureau, and perhaps law enforcement.\n\nI received an automated reply from donotreply@netspend.com at XXXX stating : Thank you for contacting the Netspend Corporate Office . Your concern is important to us and one of our analysts will respond to you within three business days.\n\nWe are closely monitoring the latest news about the current global emergency. We are open, but are currently experiencing extended wait times to speak with our customer service agents. We strongly encourage you to use our digital tools such as your Netspend Mobile App and website ( located on the back of your card ) for self-service banking and convenient account access. \n\nAdditionally, to help ensure you receive the best service experience during this time, our Customer Service hours have temporarily changed to Monday through Friday XXXX CST and Saturday through Sunday XXXX CST. \n\nThank you, Netspend Corporate Office I highly doubt that I will receive any further response. The whole situation has been outrageous.","date_sent_to_company":"2020-05-12T17:21:03.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"02446","tags":null,"has_narrative":true,"complaint_id":"3649075","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2020-05-12T15:37:02.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble closing card"},"highlight":{"complaint_what_happened":["In my email I wrote again that I had never applied for a <em>card</em>, did not want a <em>card</em>, and that I felt this represented fraud and that it needed to be <em>investigated</em> and the account closed immediately. I <em>reported</em> that I had tried to call severals times, but that I had encountered the <em>problems</em> described above with the automated phone system asking for impossible or sensitive information, and then representatives who appeared to be pretending not to hear me while reading from a script."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["<em>Problem</em> getting a <em>card</em> or closing an account"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"],"sub_issue":["Trouble closing <em>card</em>"]},"sort":[13.335385,"3649075"]},{"_index":"complaint-public-v1","_id":"16741298","_score":12.9146595,"_source":{"product":"Credit card","complaint_what_happened":"* * Company : * * Goldman Sachs Bank USA ( Apple Card ) * * Product : * * Credit card or prepaid card - General-purpose credit card or charge card * * Issue : * * Problem with a purchase shown on your statement - Credit card company isnt resolving a dispute about a purchase on your statement * * Date of incident : * * XX/XX/year> * * Amount : * * {$78.00} * * Detailed description : * * On XX/XX/year>, I was charged {$78.00} by XXXX for an annual subscription that I did not authorize or intend to purchase. I had previously used XXXX during a free trial period for a single use and was unaware that a paid subscription would automatically renew. \n\nI discovered this unauthorized charge on XX/XX/year>, and immediately took the following steps : XXXX. Within XXXX hours, I requested a refund through Apples standard refund process - DENIED XXXX. I submitted a second refund request with detailed explanation - DENIED XXXX. I contacted XXXX XXXX by phone and explained the situation - They stated they could not help XXXX. I filed a dispute with Goldman Sachs XXXX Apple Card issuer ) explaining this was an unauthorized recurring charge - REJECTED XXXX. I filed a second dispute with Apple Card - REJECTED again XXXX. An Apple Card agent informed me this case is closed I believe my disputes were wrongfully denied for the following reasons : - I only used XXXX once during the free trial period and have not accessed any paid features since the charge occurred - I did not knowingly authorize an annual {$78.00} subscription - I reported the unauthorized charge within XXXX hours of discovery - I have received no value or benefit from this subscription - As a consumer, I have the right to dispute unauthorized recurring charges Goldman Sachs has failed to properly investigate my dispute and has denied me basic consumer protections under the Fair Credit Billing Act. Despite providing clear evidence that this was an unintended auto-renewal that I caught immediately, both Apple and Goldman Sachs have refused to issue a refund. \n\nI am requesting that the CFPB investigate this matter and require Goldman Sachs to properly review my dispute and issue the {$78.00} refund that I am entitled to receive.","date_sent_to_company":"2025-10-23T00:26:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"984XX","tags":null,"has_narrative":true,"complaint_id":"16741298","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-10-23T00:21:09.000Z","state":"WA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["* * Company : * * Goldman Sachs Bank USA ( Apple <em>Card</em> ) * * Product : * * <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> - General-purpose <em>credit</em> <em>card</em> or charge <em>card</em> * * Issue : * * <em>Problem</em> with a purchase shown on your statement - <em>Credit</em> <em>card</em> company isnt resolving a dispute about a purchase on your statement * * Date of incident : * * XX/XX/year> * * Amount : * * {$78.00} * * Detailed description : * * On XX/XX/year>, I was charged {$78.00} by XXXX for an annual subscription that I did not authorize or intend to"],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Problem</em> with a purchase shown on your statement"],"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":[12.9146595,"16741298"]},{"_index":"complaint-public-v1","_id":"13232988","_score":12.75803,"_source":{"product":"Credit card","complaint_what_happened":"XXXXAccording to Discover credit card charged for XXXX telophone # XXXX XXXX XXXX service.\\n\\nI am a US Citizenship who retired in XXXX  when I was XXXX  years old and decided to live in XXXX  but still come back to US every year.XXXX XXXX , I came to US  on XXXX   with multiple city flights ticket by XXXX  XXXX  ;  I left US to XXXX  on XXXX XXXX XXXX XXXX. The copy of the ticket as attachment XXXX, below\\n\\nOn the date of XXXX  , I went to XXXX  shop to buy a prepaid sim card at the location on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  . The sim card was number XXXX XXXX XXXX for $ XXXX for a month, paid by Discover Card # XXXX XXXX XXXX XXXXWhile I was in the shop and waiting for the saleman to activate the sim card to my phone , we were talking a few minutes about I was a vistor from XXXX  and will stay in US for a month , need a survice a month only. I was bought sim cards from this shop  on the years before last year and had no problem.  The saleman gave me a paper after finished  the activation and while I was walking to go out of the shop the saleman asked me again about the payment after;  I was answered him again that NO ,  I was a visitor and will stay in US a month only and  left the shop. I didn't read and pay no attention to the paper and I lost that paper later.\\n\\nI left US. on XXXX XXXX XXXX   from XXXX  XXXX  to XXXX. My Discover credit card was with me at all time. I was back in XXXX  on XXXX XXXX XXXXOn XXXX XXXX XXXX   I was found that I  receieved a bill from Discover Card for XXXX service for the month of XXXX XXXX XXXX I diputed the charge with Discover Card online on XXXX XXXX XXXX . I thought that the investigation of Discover Card will solve everything. On XXXX XXXX XXXX. I was found that I received a bill from Discover Card for XXXX  survice on XXXX XXXX XXXX. I disputed the charge on XXXX XXXXI started to pay for international phone call from XXXX  to Discover Card and XXXX  in US to ask why the charge was valid ; the answered was I authorized XXXX  for recurring billing.\\n\\nI paid for international called to Discover Card and XXXX  started on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. to explain the fact to solve the problem.  The details as attachment XXXX XXXX XXXX XXXX XXXX XXXX ; I talked to XXXX officer at XXXX XXXX. to asked XXXX to check the survice of the phone # of XXXX XXXX XXXX ; The result was the last day of the survice of  # XXXX  XXXX XXXX   was on XXXX XXXX XXXX XXXX;  then XXXX  canceled the recurring billing and closed the account. I also asked XXXX to return money of XXXX XXXX XXXX  XXXX XXXX XXXX  to Discover Card and I also asked for the confirmation number of closing the account and to return money to Discover Card. The officer of XXXX said that I will receive the confirmation number at the end of conversation and/or by my e-mail address but I didn't receive any confirmation number after that.\\n\\nOn the same day XXXX XXXX XXXX , I called Discover Card at XXXX XXXX. after I finished talking to XXXX XXXX to give the information of the last day of XXXX  survice  of phone # XXXX XXXX XXXX   was on XXXX XXXX. I asked Discover Card account manager to contact and investigate XXXX to get the money back .\\n\\nFrom XXXX XXXX XXXX XXXX XXXX ; I made internation phone called to Discover Card and XXXX many times , the details as attachment XXXX  , to explain what was happened and told the same story again and again to many account manager of Discover Card ,the last 2 of the account manager was from fraud department and from financial department. \\n\\nBut unfortunately Discover Card investigation resulted of XXXX  charged for XXXX XXXX XXXX XXXX XXXX XXXX were valid. The reason was I authorized the recurring billing, and kept sending me the bill of the charged plus late fee and interest as attachment XXXX, The details of disputed of both charges as attachment XXXX, One of Discover card mail informed me that my account could be reported to credit bureaus; attachment XXXXI was a Discover credit card customer for 12-13 years without any problem to pay all bills from started. \\n\\nThe last time I called Discover card was on XXXX but my issue still the same.\"","date_sent_to_company":"2025-04-29T10:19:46.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"76502","tags":"Older American","has_narrative":true,"complaint_id":"13232988","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-04-29T09:12:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The reason was I authorized the recurring billing, and kept sending me the bill of the charged plus late fee and interest as attachment XXXX, The details of disputed of both charges as attachment XXXX, One of Discover <em>card</em> mail informed me that my account could be <em>reported</em> to <em>credit</em> bureaus; attachment XXXXI was a Discover <em>credit</em> <em>card</em> customer for 12-13 years without any <em>problem</em> to pay all bills from started. \\n\\nThe last time I called Discover <em>card</em> was on XXXX but my issue still the same.\""],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Problem</em> with a purchase shown on your statement"],"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":[12.75803,"13232988"]},{"_index":"complaint-public-v1","_id":"6730204","_score":12.637931,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Following Items have been disputed with TransUnion Credit Bureau and removed in XXXX and XXXX of XXXX, XXXX. XXXX XXXX XXXX XXXX- {$7500.00} Was removed due to it being a Judgement, as ( evidence of a Court Judgement was provided ) to the Bureau in their investigation, which they did remove, then re-instated back on my credit. and according to XXXX XXXX XXXX XXXX XXXX. For Fair Credit Reporting Act violations as to the reasonableness for CRA procedures regarding public record information, see Id. XXXX and a violation of 15 U.S.C. 1681 ] Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \n\nXX/XX/XXXX - The Judgement was placed back on my credit by TransUnion, and listed inaccurately as \" Account Open ''. When the account is \" Closed ''. And to be removed once again. They are required by law to remove it for good from my credit, without re-instating it. Or re aging. \n\nXXXX. TransUnion removed a Tax Lien/Collection account from XXXX XXXX of XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX The account was removed because it was too old to be on my cr dit report because the date of first delinquency was XX/XX/XXXX. ( Evidence was provided showing first date of delinquency ). TransUnion has committed fraud, and an illegal act resulting in a crime of re -aging debt on my credit affecting my credit score. These were disputed removed, and re aged and placed back on my credit report dropping my XXXX score down to a XXXX. \n\nFederal Law States Re-Aging a Debt Account Is Illegal and It Destroys Your Credit. To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). And TransUnion is in violation of the Code. They are required by law to remove it. \n\nXXXX XXXX XXXX - TransUnion has been provided evidence this account was paid off, and the creditor, and I had an agreement that if the cell phones with XXXX XXXX were paid off then that eliminated the {$2400.00},. I provided proof of the write off, and phones paid to TransUnion which they removed in XXXX of XXXX, then placed back on my credit XXXX of XXXX without my knowledge as owing XXXX XXXX XXXX. Which I do not owe them anything. The credit bureaus should have deleted the item from my credit for good,. It should be made aware to them in proper agency training that a write off means What happens if a debt is written off? \n\nIf a creditor writes off a debt, it means that no further payments are due. In addition : the balance should be set to XXXX on credit reference agency reports ; the debt will be registered as a default on credit reference agency reports ; and.Although a write-off on a debt is not easy to get, it is possible and has clear benefits : 1. you are released from the burden of the debt ; 2. recovery action stops ; 3. stress and anxiety are reduced ; and 4. you can make a fresh start. \n\nXXXX XXXX XXXX - {$820.00} This account for XXXX 's XXXX Retail was removed in XXXX of XXXX when it was proven the agency overcharged, with illegal surcharges racking up a balance of {$820.00}, when the account was paid in full, and re-instated on my credit by TransUnion, TransUnion needs XXXX be made aware that there are California State Laws that restrict these unethical practices. \n\nit is a violation of 1985, California law ( XXXX XXXX section XXXX ) that prohibited merchants from adding a surcharge ( an extra fee ) when customers pay by credit card instead of cash. \n\nXXXX is Experian-. In XXXX Of XXXX, the following items were removed from my credit report bringing my XXXX XXXX XXXX up to a XXXX. \n\nAs of XX/XX/XXXX XXXX has placed XXXX XXXX XXXX Credit Card - {$330.00} which they updated the balance as of XX/XX/XXXX It was made aware of the prepaid card Consumer Protection Act? \n\nSummary : The XXXX XXXX XXXX XXXX XXXX prohibits card issuers from charging fees or designating expiration dates. Background : The XXXX federal XXXX XXXX restricted fees, prohibited expiration in less than XXXX years, and imposed strict disclosure requirements. \n\nA XXXX XXXX XXXX  XXXX XXXX - XXXX prepaid card is a card you can use to pay for things. You buy a card with money loaded on it. Then you can use the card to spend up to that amount. A prepaid card is also called a prepaid debit card, or a stored-value card. You can buy prepaid cards at many stores and online. \nXXXX XXXX you only use the money on it you load,. It does not extend credit so the {$330.00} it charged is an illegal charge that goes against federal XXXX XXXX. There fore this account requires to be removed by XXXX. The balance is not LEGAL! \n\nXXXX XXXX XXXX This is Duplicated XXXX that was supposed to be deleted. This is XXXX 's XXXX XXXX which XXXX also reported by XXXX XXXX XXXX XXXX \n\nXXXX XXXX XXXX- {$2400.00}. \n\nThe balance is supposed to be set to {$0.00}, XXXX submitted evidence to them XXXX XXXX, that the original creditor XXXX had written off the debt, as agreement that iphones where paid off in full,. XXXX still has not removed the debt even after receiving evidence. They should be trained on what write off means. \n\nThis account was removed in XXXX of XXXX, then placed back on my credit XXXX of XXXX without my knowledge as owing XXXX XXXX XXXX. Which I do not owe them anything. The credit bureaus should have deleted the item from my credit for good,. It should be made aware to them in proper agency training that a write off means What happens if a debt is written off? \n\nIf a creditor writes off a debt, it means THAT NO FURTHER PAYMENTS ARE DUE. In addition : the balance should be set to XXXX on credit reference agency reports ; the debt will be registered as a default on credit reference agency reports ; and.Although a write-off on a debt is not easy to get, it is possible and has clear benefits : XXXX XXXX XXXX XXXX XXXX {$7500.00} XXXX Judgement Evidence of a Civil Judgment was submitted to XXXX, and verified over the phone they received it Credit Bureaus no longer report Eviction Judgements. It was removed and then re-instated back on my credit. and according to XXXX XXXX XXXX XXXX XXXX. For Fair Credit Reporting Act violations as to the reasonableness for CRA procedures regarding public record information, see Id. XXXX and a violation of 15 U.S.C. 1681 ] Judgment. Under the FCRA, civil judgments do not appear on your credit reports anymore due to a settlement the credit bureaus made called the XXXX XXXX Assistance XXXX ( XXXX ) ( more on that later ). \n\nThis is a violation of the FCRA, Negligence, and XXXX 's willful Failure to Comply, and XXXX can, and will be sued for damages if this problem persists. \n\nThe FCRA imposes civil liability for negligent and willful failures to comply with its requirements ( 15 U.S.C. 1681n, 1681o ).","date_sent_to_company":"2023-03-21T07:54:20.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"96001","tags":"Servicemember","has_narrative":true,"complaint_id":"6730204","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-21T06:06:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["A XXXX XXXX XXXX  XXXX XXXX - XXXX <em>prepaid</em> <em>card</em> is a <em>card</em> you can use to pay for things. You buy a <em>card</em> with money loaded on it. Then you can use the <em>card</em> to spend up to that amount. A <em>prepaid</em> <em>card</em> is also called a <em>prepaid</em> debit <em>card</em>, or a stored-value <em>card</em>. You can buy <em>prepaid</em> cards at many stores and online. \nXXXX XXXX you only use the money on it you load,. It does not extend <em>credit</em> so the {$330.00} it charged is an illegal charge that goes against federal XXXX XXXX."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> <em>into</em> an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[12.637931,"6730204"]},{"_index":"complaint-public-v1","_id":"8034577","_score":12.498862,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I have a Prepaid Debit card with PayPal. I would load money on this card to pay my rent with. I tried loading {$370.00} on this card starting on XX/XX/XXXX. I would load money on my card at XXXX XXXX. It wouldn't load, cashier tried 3 times. I went out to my car to XXXX PayPal, call them to find out why. I called XXXX of the numbers XXXX listed. XXXX from PayPal Customer Service told me to download XXXX. He said the problem was I needed to verify my identity with their server. He had me open XXXX and he started to apply for these XXXX in XXXX loans. I started screaming stop. I then uninstalled XXXX. Over the next couple of weeks he would call me or text me saying that he needed to verify all the accounts linked to my PayPal account. He told me just this past weekend that he would refund my money only if I would purchase XXXX {$100.00} XXXX XXXX cards and he would verify my identity with the PayPal server with these cards, then refund all my money plus the {$300.00} for the XXXX XXXX card. I feel absolutely stupid. He took money out of my savings account at a different bank as well as purchased XXXX {$100.00} Gift cards to XXXX and charged it to my XXXX account. I've been praying that when they investigated they look at my accounts. I've had PayPal since 2016 and these types of transactions are not the norm for me. Ive never taken out XXXX in XXXX Loans. My PayPal charge account, I would have a little balance then pay it off. However the scammer got my XXXX PayPal credit accounts. I did not authorize any of these transactions. I've tried reporting thse to PayPal but they deny my claim. Please please help me. I work at a gas station. I don't have money to being paying loans I did not authorize","date_sent_to_company":"2023-12-20T21:49:47.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"448XX","tags":null,"has_narrative":true,"complaint_id":"8034577","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2023-12-20T21:12:49.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have a <em>Prepaid</em> Debit <em>card</em> with PayPal. I would load money on this <em>card</em> to pay my rent with. I tried loading {$370.00} on this <em>card</em> starting on XX/XX/XXXX. I would load money on my <em>card</em> at XXXX XXXX. It wouldn't load, cashier tried 3 times. I went out to my car to XXXX PayPal, call them to find out why. I called XXXX of the numbers XXXX listed. XXXX from PayPal Customer Service told me to download XXXX. He said the <em>problem</em> was I needed to verify my identity with their server."],"issue":["<em>Problem</em> when making payments"]},"sort":[12.498862,"8034577"]},{"_index":"complaint-public-v1","_id":"10205804","_score":12.434534,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally file a complaint regarding an issue with my credit report, which has been inaccurately impacted by collections reported by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I noticed an unexplained XXXX decrease in my credit score. After reviewing my report, I discovered two collections that were added related to a car rental from two years ago. \n\nThe rental involved a faulty vehicle from XXXX, which had multiple issues, including malfunctioning air conditioning, windows that worked intermittently, and problems with shifting gears. XXXX 's only solution was to return the car to XXXX XXXX, hours away from my location, which was not a viable option. I prepaid for the rental, and despite raising these concerns, XXXX did nothing to resolve the issue. I filed a dispute with my credit card company and after their investigation they decided in my favor and XXXX and the dispute was closed as of XX/XX/XXXX. \n\nAfter contacting Equifax to dispute these collections and provide documentation supporting my claim, I received a response stating, \" WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. '' However, I strongly believe these charges remain unverified and unjustified, as Equifax did not conduct a proper investigation into the matter and XXXX XXXX  still has yet to verify the charges and send me any documentation. \n\nI also attempted to dispute the two collections on my credit report with XXXX. However, I encountered a significant limitation : XXXX only allows one open dispute at a time, which unnecessarily prolongs the process and extends the negative impact on my credit score. When I contacted customer service via chat, I was informed that there is no way to have more than one dispute open at once, further delaying any resolution and leaving my credit report tarnished for a longer period. \n\nI request the CFPB 's assistance in investigating this situation and ensuring that my credit report is accurately updated to remove these invalid collections. This issue has caused a significant and unfair drop in my credit score, which continues to affect me financially. \n\nThank you for your time and attention to this matter. I appreciate your assistance in resolving this issue.","date_sent_to_company":"2024-09-22T17:42:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"934XX","tags":null,"has_narrative":true,"complaint_id":"10205804","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-22T17:11:50.000Z","state":"CA","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I filed a dispute with my <em>credit</em> <em>card</em> company and after their <em>investigation</em> they decided in my favor and XXXX and the dispute was closed as of XX/XX/XXXX."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[12.434534,"10205804"]},{"_index":"complaint-public-v1","_id":"10207001","_score":12.427289,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally file a complaint regarding an issue with my credit report, which has been inaccurately impacted by collections reported by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I noticed an unexplained XXXX decrease in my credit score. After reviewing my report, I discovered two collections that were added related to a car rental from two years ago. \n\nThe rental involved a faulty vehicle from XXXX, which had multiple issues, including malfunctioning air conditioning, windows that worked intermittently, and problems with shifting gears. XXXX 's only solution was to return the car to XXXX XXXX, hours away from my location, which was not a viable option. I prepaid for the rental, and despite raising these concerns, XXXX did nothing to resolve the issue. I filed a dispute with my credit card company and after their investigation they decided in my favor and XXXX and the dispute was closed as of XX/XX/XXXX. \n\nAfter contacting XXXX to dispute these collections and provide documentation supporting my claim, I received a response stating, \" WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. '' However, I strongly believe these charges remain unverified and unjustified, as XXXX did not conduct a proper investigation into the matter and XXXX XXXX  still has yet to verify the charges and send me any documentation.\n\nI also attempted to dispute the two collections on my credit report with TransUnion. However, I encountered a significant limitation : TransUnion only allows one open dispute at a time, which unnecessarily prolongs the process and extends the negative impact on my credit score. When I contacted customer service via chat, I was informed that there is no way to have more than one dispute open at once, further delaying any resolution and leaving my credit report tarnished for a longer period. \n\nI request the CFPB 's assistance in investigating this situation and ensuring that my credit report is accurately updated to remove these invalid collections. This issue has caused a significant and unfair drop in my credit score, which continues to affect me financially.\n\nThank you for your time and attention to this matter. I appreciate your assistance in resolving this issue.","date_sent_to_company":"2024-09-22T17:42:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"934XX","tags":null,"has_narrative":true,"complaint_id":"10207001","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-22T17:42:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I filed a dispute with my <em>credit</em> <em>card</em> company and after their <em>investigation</em> they decided in my favor and XXXX and the dispute was closed as of XX/XX/XXXX."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[12.427289,"10207001"]},{"_index":"complaint-public-v1","_id":"2427144","_score":11.3157015,"_source":{"product":"Credit card","complaint_what_happened":"I had requested several times for American Express to close my credit card. It was a gold card with no prepaid spending limit. It took them three times to close the account and I finally received a letter on XXXX stating that per my request the account had been closed. The following day I received another letter stating they cancelled my account due to a past due balance. They have attempted to report to the agencies ( credit bureaus ) that they closed it not me which I believe to be fraud. I will acknowledge that I due have a balance and an attempting to make a payment plan with them. They will not budge American Express does not work with the clients they work against them. I contacted Amex and explained the situation in regards to the letters they deny ever sending me a letter stating I had closed the account. I have it in my possession. I informed them that I was filing a complaint against them and that fraud is involved on there part. I have the names dates and times I spoke to someone in regards to my over due balance. All I have gotten is the run around. To add insult to injury they even charged me membership fees of {$190.00}. If I closed the account and have asked several times before to close it why would you charge me membership fees if the account is either as they state cancelled this is larceny on their part. I have always made my payments to my accounts on time this year has been difficult for me due to illness and the fact that a company named XXXX me for a loop and my accounts were in limbo. I was going to do debt consolidation and came to find out thru your website that the company they use to process the payments had been fined by your organization. Second of all when I informed Amex of this they informed me that they do n't work with debt consolidation companies. So how can one state they have settled accounts with them when they do n't work with them. \n\nI am requesting a complete investigation into the practices at Amex. I want to make an agreement to pay the balance owed to them for a reasonable amount of money every month. I am on a fixed income and believe it or not they are the only credit card I have with a past due balance I have worked to an agreement with all my creditors to make my monthly payments. Thanks to XXXX who told me to close my accounts my credit score has gone down hill. They made the situation worse. Then to add insult to injury Amex has made my life unbearable. \n\nI would appreciate it if the CFPB could investigate this issue and get back to me. I want the correct notation be made to the credit bureaus \" THAT I NOT AMERICAN EXPRESS CLOSED MY ACCOUNT '' They should not be allowed to get away with doing this to me or other consumers. I have been waiting since last Wednesday for a representative from Amex to get back to me with a response to this and they have yet to do so. I await your decision and hope that we can rectify this problem as soon as possible.","date_sent_to_company":"2017-04-10T11:54:39.000Z","issue":"Closing/Cancelling account","sub_product":null,"zip_code":"02132","tags":null,"has_narrative":true,"complaint_id":"2427144","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2017-04-10T11:54:39.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I had requested several times for American Express to close my <em>credit</em> <em>card</em>. It was a gold <em>card</em> with no <em>prepaid</em> spending limit. It took them three times to close the account and I finally received a letter on XXXX stating that per my request the account had been closed. The following day I received another letter stating they cancelled my account due to a past due balance. They have attempted to <em>report</em> to the agencies ( <em>credit</em> bureaus ) that they closed it not me which I believe to be fraud."],"product":["<em>Credit</em> <em>card</em>"]},"sort":[11.3157015,"2427144"]},{"_index":"complaint-public-v1","_id":"3422222","_score":11.018648,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"PayPal user paid XXXXXX/XX/XXXX over Texas XXXX XXXX XXXX XXXX XXXX XXXX $ on XXXX XXXX XXXX XXXX XXXX $ on XXXX PayPal originally sent all three transactions back to XXXX XXXX as a refund to my prepaid debit card XXXX & XXXX ( according to the changing account records online at XXXX & phone calls with PayPal employees in the XXXX who have poor English & XXXX XXXX employees who have similarly poor English comprehension skills and are in the XXXX ). XXXX XXXX never deposited any money into my account until XXXX & then sent that back to PayPal & informed me that the refund was a provisional credit. However, XXXX fraudulently updated account records to show credit adjustments from PayPal to the account on or about XXXX. \n\nAs of XXXX PayPal is alleging that XXXX XXXX returned the refund for {$37.00} on XXXX after it was refunded XXXX due to a dispute being opened by me with XXXX XXXX on XXXX. However, PayPal advised me to open a dispute with XXXX XXXX regarding the fraudulent and unauthorized transactions on the same day I learned of the fraud and reported it to PayPal on XXXX. XXXX rejected the dispute I opened, despite Paypal immediately agreeing to refund the fraudulent transactions. \n\nPayPal acknowledged that their user, XXXX XXXX XXXX, charged my card without my permission or my knowledge after PayPal stored my card information on their user 's account without notifying me of this or these charges that occurred after their user made an authorized transaction in the past. \n\nI have an open complaint with the XXXX XXXX federal reserve regarding XXXX bank failing to return thousands of dollars in similar refunds for the XXXX product. I reported this incident with Paypal to the investigators at the federal reserve but have no confidence in their investigation or process of regulation, based on recent experiences with similar issues. \n\nCurrently, none of the fraudulent transactions have been refunded to me despite Paypal and XXXX repeatedly alleging they have. \n\nPayPal promised to provide me with the skip trace report showing the money was refunded in XXXX. They alleged it was emailed to the wrong address. However on XXXX PayPal phone specialists alleged the skip trace report and information as to who stole the money, made the fraudulent transactions was \" proprietary '' & ultimately it is greendot bank who should be contacted about the money or fraud. \n\nXXXX XXXX XXXX is a person involved in economic espionage and has had an identity theft problem for years used to defraud me in the past and claims he doesn't know who the money was sent to ( cherry XXXX ). His issue of identity theft is a significant part of the economic espionage yet typically, when reported, it goes ignored. This is most likely because the agencies tasked with regulation of the fraud against me and theft or misuse of XXXX XXXX XXXX 's identity benefit from the fraud and economic espionage conducted against me. \n\nThis complaint is because PayPal never refunded the money or provided any information on the fraudsters that I could use to report this crime to law enforcement or locate where the stolen funds have disappeared to.","date_sent_to_company":"2019-10-30T06:40:48.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"3422222","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2019-10-30T01:46:47.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>reported</em> this incident with Paypal to the <em>investigators</em> at the federal reserve but have no confidence in their <em>investigation</em> or process of regulation, based on recent experiences with similar issues. \n\nCurrently, none of the fraudulent transactions have been refunded to me despite Paypal and XXXX repeatedly alleging they have. \n\nPayPal promised to provide me with the skip trace <em>report</em> showing the money was refunded in XXXX. They alleged it was emailed to the wrong address."],"issue":["Unauthorized transactions or other transaction <em>problem</em>"]},"sort":[11.018648,"3422222"]},{"_index":"complaint-public-v1","_id":"9736154","_score":10.364793,"_source":{"product":"Prepaid card","complaint_what_happened":"Hello Bank of America with every day that passes NEW mail arrives which then adds new questions that just don't seem to get answered. I thought it best to ask my questions right here so perhaps you will answer them XXXX XXXX your XX/XX/XXXX XXXX XXXX  your email to me \" Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. \nI am your point of contact until this matter is resolved. '' Thank you XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX  XXXX XXXX  - XXXX You have not once replied to an email. You have phoned me twice after I called you the second time you left a number for me to phone back that was wrong. \n\nXXXX XXXX of XXXX thru to XX/XX/XXXX I heard nothing from Bank of America.You never got back to me. I sent you my police report XX/XX/XXXX. I phoned in XX/XX/XXXX spoke to XXXX XXXX and more time was needed. XX/XX/XXXX is the next time I heard from the bank, and once again the claims were denied.At that point and time there were XXXX claims.Claim XXXX {$6600.00} and claim # XXXX {$1700.00} A week later and a third claim arrives claim # XXXX {$2500.00} At that point something was terribly wrong the ransactions I had repoted as fraud in XXXX of XXXX totaled {$8300.00}. So where did this extra come from??? The mystery question that nobody can answer. At this point the bank continued to say \" XXXX these are your transactions or someone you know '' WRONG. Read the police report .Now here is the funny part on those very same transactions you said were mine. I was getting my money back. \nThe police report which you comes with the affidavit ( Just in case you didnt know ) shows that fraud. The merchant does their investigation and they come back and say looks like fraud You are the only place saying its mine. And you are WRONG.Why or how would I be getting money back if they were my transactions??. Why would some of the merchants I made friends with due to the amount of calls placed to them write and email me??? They aren't mine and I expect that to be honored ( I am owed around XXXX or fraud ) You had the police report, the transactions list, the emails and cards the merchants sent, the letter that arrived from XXXX all sharing that these were not mine they too felt fraud or that not a single XXXX of the transactions were ever disputed by the bank XXXX XXXX, not in XXXX not in XXXX, and not recently. This tells me that XXXX years ago my file was collecting dust. So I would love an explanation on why those transactions were never disputed and remain on my fraud list to this day? And after 10 days a provisional credit should have been given. I would like it now. \n\nQuestions : How come nobody at the bank asked for the photos and video form XXXX XXXX and the ATM? They were there waiting for the bank to request it.. ( The ATM the guy sent me back the money withdrawn ) and the bank knew that these would be available for 90 days. Why were they not requested???? \n\nWhy did the bank lie to me when I asked them if they got the photos?? I was told that \" no photos were available '' ( I have the person 's name who said this. ) When they were available. \n\nWhy did it take XXXX years for the bank to reach out to me again? \n\nHow come Bank of America and Visa never connected with XXXX XXXX, XXXX, the XXXX based company XXXX, the XXXX and XXXX XXXX companies, XXXX, XXXX creations, the XXXX XXXX XXXX, XXXX, the various food establishments, XXXX XXXX XXXX, XXXX, XXXX, XXXX. Not a single one of these places got even the slightest breeze that the charges were in dispute and that I had a fraud report? Why did they not hear from the bank and why was my fraud not taken seriously by BofA??? \n\nWhy was my police report and the rest of the information not looked at when a decision was made on this claim? I believe that the fraud filter was used and it was never picked up again. \n\nI would like to see the proof that BofA mailed me updates from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX was the first time a notice arrived from the bank. XXXX years after the claim was open. They typically send their items through UPS, Signature on delivery return receipt, so please show me the proof. I welcome it. \n\nI requested while on the phone with prepaid claims in Oklahoma ( XXXX ) a list of transactions, debits, credits to be sent to me. That was emailed over on XX/XX/XXXX. \n\nI would like to know why there are double, triple, and some transactions that have up to XXXX debits. Why? \n\nXX/XX/XXXX the very same paperwork arrives to me and the double debits are gone, the triple debits vanished and in their place is a nice and tidy description of the merchant. It has wrong info still but it looks very different from the paperwork I was emailed just a few short days before this. Who changed this paperwork? Who erased the debits? Who filled in the new paperwork?. Although store returns would not be correct. You can't return a tooth, or XXXX storefronts that are built online. Who changed the paperwork? And is it legal to do this? \n\nAccording to the EFYA and Regulation E when I submitted the fraud I did so in a timely manner. I sat on hold for the day but the fraud was submitted.You denied my claim in 24 hours. In XXXX of XXXX as fraud continued I sent to the bank a police report clearly showing that I was a victim of computer hacking, the bank being compromised, and my identity taken. Why was that not enough for the bank coupled with the fact that I was getting money back from the very same transactions you said were mine. I reported it in a timely manner. Why was my fraud not taken seriously? \n\nA financial institution may extend that 10-business-day investigation deadline to 45 calendar days if it provisionally credits the consumers account in the amount of the alleged error within 10 business days of receiving the error notice. 15 U.S.C. 1693f ( c ) ; 12 C.F.R. 1005.11 ( c ) ( 2 ). 78. This 45-day investigation deadline may be extended to 90 calendar days if a notice of error involves an EFT that was not initiated within a state; resulted from a point-of-sale debit card transaction ; or occurred within 30 days of the first deposit to the account. 12 C.F.R. 1005.11 ( c ) ( 3 ) ( ii ) During the 3.5 years that it took for anyone to get back to me on my two claims totaling 8,200. In fraud I asked for provisional credit. And it was never given WHY? \n\nXXXX made it clear in her letter that it was far too late to do anything with this fraud and that the merchants at this point did not have to go back 4 years and do a thing for me. I asked you about this problem and how will I get a FAIR INVESTIGATION at this point after so many years have passed. XXXX you never replied to my questions. In fact you have never replied to anything I have sent. So I am unable to get this fairly investigated and its fraud. My police report should have been plenty. Getting my money back more than the bank ever got back for me is the second clue. \n\nXX/XX/XXXX when the bank finally came back to me with their denial after XXXX years.And I opened a dispute with the CFPB.Between XX/XX/XXXX and XX/XX/XXXX I sent you XXXX emails asking for the bank to provide provisional credit to me. Did that happen XXXX??? NO But it should have!!! So why didnt it?? \n\nBank of America has a Zero Liability guarantee, which was also included in your EDD Cardholder Agreement, Respondent represents that EDD Cardholders will incur no liability for unauthorized use of their EDD Prepaid Debit Card up to the amount of the unauthorized transactions, provided they notify Respondent within a reasonable amount of time. XXXX. For much of XXXX, EDD Cardholders faced long hold times when attempting to file a notice of error with Respondent over the phone and take advantage of Respondents Zero Liability guarantee for unauthorized use of cardholders EDD Prepaid Debit Cards Why have you not honored your policy with me? When I have more than proven in XXXX that this was fraud. \n\n\nWho has opened up XXXX new claims between XX/XX/XXXX and XX/XX/XXXX? I never consented to any new claims to be open. Who has done this?? This is not legal XXXX who is pretending they are me. Maybe the person who has done this works in your bank??? Seems to be that the shenanigans are starting all over. Plus as I have also mentioned and XXXX never replied to is I am locked out of the online bank portal I sent you the error message says wrong SS # not what we have on file. Not such a far fetched thought that someone inside the bank has done this? I want to know the name and how these new XXXX claims were opened. \n\nI will be heading to XXXX tomorrow to fill out another police report. The double and triple and XXXX time debits, I am locked out of my account,, and someone took it upon themselves to open up XXXX new claims in my name. This is all starting to make a lot more sense. Perhaps the person is inside your bank??? \n\nAlso XXXX can say what she will but nothing arrived to my home from XX/XX/XXXX until XX/XX/XXXX. Bank of America sends items via USPS return receipt, or they send items through UPS or Fed Ex. So prove that something was sent to me. It should be easy with all the tracking you add. \n\nXXXX also has the date wrong on when this started. This began with my first call on in XXXX of XXXX. I also want you to know that she seems to think I called in XXXX or XXXX and opened up XXXX additional claims over a phone call. I would never open up XXXX claims over a phone call. Do you realize how much I hated calling the bank it was a full days project XXXX hours .. the first call just about did me in. I know how to look up people plus they gave me a fax number for prepaid claims. So I faxed and I USPS mail signature on delivery and I emailed with confirmation of it being opened and from where the computer or phone and where the person was. \n\nI now know XXXX, you are in XXXX XXXX. So for everything the bank saysthey have done I can prove they didn't. The calls I made came few and far between and it was when I had a direct number to those I needed to speak to I also pulled my phone bills from that time. In all the years XXXX is the year I have heard the most from the bank. \n\nI would like you to please answer my questions. I would like to come pick up the money I am owed. Please let me know when that can happen. \n\nAnd please tell XXXX that I had my identity taken, my credit union hacked, my credit card used, my debit used, my computer broken into and my info about my life was taken. To this day my credit reports are locked and there has been an identity theft alert since XXXX. So what she thinks is me very well may not have been. I have no clue because your bank is none the worse in communicating. I have never seen a company that just ignores customers. \n\nSOME FACTS TAKEN RIGHT OFF OF THE CFPB Bank Of America Consent Order Filed XXXX For notices of error submitted by over XXXX unemployment insurance benefit prepaid debit cardholders concerning alleged unauthorized EFTs that met XXXX or more of the Fraud Filter indicators, Respondent continued to rely solely on the results of its Fraud Filter to determine no error had occurred until XX/XX/XXXX. \n\nEDD Cardholders seeking to file a notice of error with Respondent to seek liability protection spent hours a day on the phone attempting to notify Respondent that their EDD Prepaid Debit Card Account had been subject to unauthorized EFTs.EDD Cardholders whose EDD Prepaid Debit Card Accounts Respondent froze based solely on its Fraud Filter spent hours a day on the phone with Respondent For those more than XXXX notices of error, Respondent retroactively determined that no error had occurred based on the results of its Fraud Filter, and reversed those EDD Cardholders permanent credits. 51. Affected EDD Cardholders were unable to protect their interests because they could not control how and when Respondent would investigate and resolve their notices of error Under EFTA, upon receiving notices of error, financial institutions may not determine no error had occurred without conducting a good faith investigation of the alleged error and without a reasonable basis for believing that the consumers account was not in error. 15 U.S.C. 1693f ( e ).","date_sent_to_company":"2024-08-07T20:12:56.000Z","issue":"Unexpected or other fees","sub_product":"Government benefit card","zip_code":"90034","tags":null,"has_narrative":true,"complaint_id":"9736154","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-08-07T19:35:50.000Z","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":["I asked you about this <em>problem</em> and how will I get a FAIR <em>INVESTIGATION</em> at this point after so many years have passed. XXXX you never replied to my questions. In fact you have never replied to anything I have sent. So I am unable to get this fairly <em>investigated</em> and its fraud. My police <em>report</em> should have been plenty. Getting my money back more than the bank ever got back for me is the second clue."],"product":["<em>Prepaid</em> <em>card</em>"],"sub_product":["Government benefit <em>card</em>"]},"sort":[10.364793,"9736154"]},{"_index":"complaint-public-v1","_id":"5833641","_score":10.308161,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Sunday, XX/XX/XXXX, I became aware of fraudulent transactions pending in my Wells Fargo Business account. I immediately called Wells Fargo to report the problem ; I made the call at XXXX am, and the call lasted XXXX minutes. I was assured the matter would be handled, my atm card would be considered \" stolen '' and I would be issued a new business card within 7 business days. On XX/XX/XXXX the reported fraud charges were still in my account detail, so I called Wells Fargo again ; the call duration on XX/XX/XXXX was XXXX minutes ; once again, I was assured that my bank account was secure and the matter would be resolved and money from the fraud charges would be returned to my account, and any fees associated would be credited. On XX/XX/XXXX more fraudulent charges appeared, which prompted me to reach out by phone to Wells Fargo a total of 3 times : XX/XX/XXXX at XXXX am the call to the claims department lasted XXXX minutes ( including whatever time it took to be transferred ), again at XXXX for 4 minutes, and again at XXXX am for 21 minutes. Each conversation assured me that the money would be returned and the investigation would be completed in 10 business days. I carefully monitored my bank account. I did receive a \" provisional credit '' of {$590.00} on XX/XX/XXXX giving me confidence that this matter was being handled and my long standing relationship with Wells Fargo would continue knowing I could trust the bank I have been with for over thirteen years. I received another \" provisional credit '' for {$2000.00} '' on XX/XX/XXXX. Because this is a business account I had fallen behind on work projects, however, I was willing to overlook the damage and get back to business as usual including my trust in Wells Fargo. \nOn XX/XX/XXXX I received this email : Investigation has been completed ATM/Debit/Prepaid Card Claim Reference Number XXXX RE : Business Debit Card XXXX Thank you for your patience in the time required to review your claim. We have completed our investigation of the claim regarding your Wells Fargo account XXXX. We have sent a detailed letter by mail. Please refer to the letter for more information. \nIf you have further questions after receiving the letter, please call us at XXXX. Our hours are : Monday Friday, XXXX am to XXXX am or Saturday, XXXX am to XXXX pm XXXX XXXX. \nThank you for choosing Wells Fargo. \nSincerely, Wells Fargo Claims Assistance Center The letter by mail as referred to in the body of the email ( seen above ) came in the mail on Saturday, XX/XX/XXXX, stating that they, Wells Fargo, completed their research of my inquiry about charges to my account. The wording in the letter : \" Based on the information available to us, we found the charges were made by you or someone who had your permission. As a result, the {$2600.00} temporarily credited to your account ending in XXXX, will be deducted 10 business days from the date of this letter on XX/XX/XXXX. Please consider your claim closed. '' I immediately called the number provided on the letter for Wells Fargo Claims department ; I was told that Wells Fargo could not disclose the notes in the investigation. I asked if there was anything they could do to help me or if there was anything or anyone i could talk to to gain an understanding of how they reached this conclusion. I also expressed my concern that at no point in Wells Fargo investigation did someone contact me. I also pointed out that the charges in dispute were made in cities not near me and it would be physically impossible for me to make them. I also reminded the gentlemen from Wells Fargo that I reported the card stollen before many of the charges appeared. I reminded him that I have never shared my card number, or given it to anyone and I have not lost possession of the card. Looking at the details on my online banking portal it is clear that there should be no question that these charges are indicative of fraud. I asked how Wells Fargo reached this conclusion, what general guidelines? He said he could not disclose that information. All I could do was request the details from the investigation, and since I was denied those details to be given over the phone, I requested they be faxed or emailed to me. I was denied. I was then told the only option would be to mail them to me to my home address, so I formally requested all of the notes available be mailed along with phone conversation transcript. The gentlemen for Wells Fargo agreed. I asked how long would I need to expect to get them. He put me on hold to get the answer. He returned and said it would be XXXX calendar days. This is totally unacceptable.","date_sent_to_company":"2022-08-02T22:23:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95678","tags":null,"has_narrative":true,"complaint_id":"5833641","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-08-02T21:26:56.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I immediately called Wells Fargo to <em>report</em> the <em>problem</em> ; I made the call at XXXX am, and the call lasted XXXX minutes. I was assured the matter would be handled, my atm <em>card</em> would be considered \" stolen '' and I would be issued a new business <em>card</em> within 7 business days."],"sub_issue":["<em>Problem</em> using a debit or ATM <em>card</em>"]},"sort":[10.308161,"5833641"]},{"_index":"complaint-public-v1","_id":"4033345","_score":10.221981,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I submitted a fraud claim on XX/XX/XXXX. XXXX for fraudulent transactions totaling XXXX. On XX/XX/XXXX there was a {$1000.00} atm withdrawal from XXXX CA and XX/XX/XXXX there was another for XXXX. At the time of the transactions I was in the hospital one day and when I went to go pick up medicine and pay for it my edd Bank of America card was not working. I checked and saw the fraudulent transactions and immediately called BOA to file a fraud claim. Everything went smoothly. I was granted the temporary credit and once the investigation was concluded I received a letter in the mail stating I could keep the temporary credit indefinitely. On XX/XX/XXXX however, BOA debited that amount back to them, {$1400.00}, and after spending hours and hours on hold ( totaling over 15 hrs on hold ) I finally had an escalation submitted on XX/XX/XXXX. I came across unprofessional and unhelpful boa agents who did not know what they were doing and giving me inaccurate information. That same day I sent a fax to a number given to me by an agent and they said that department would contact me back to see if they received my fax. They did not. She said to send a fax with a letter explaining my situation and with proof that it was not me who committed the fraud withdrawal. Luckily in my case I did have proof. I had hospital discharge papers. I sent those to that fax number and they had private health information along with personal demographics. Since they did not contact me at all I was worried about who I sent these papers to and this is a HIPPA violation of some random person received this fax and not BOA. Since XX/XX/XXXX I did not hear back from bank of America until recently in XXXX they started sending me letters. One letter said they froze my card because of fraud ( this was the new card I had received and I never reported fraud through this card ) and I had NO problems with EDD ( my identity was verified ) and I kept receiving my benefits without a problem so this was not an EDD Issue. I received another letter ( BOTH had no dates on them ) saying they unfroze my card, which was weird because I had not called them asking why my new card was frozen this occurred in XXXX. Since the letters were not dated I was not sure when they were sent out. I then receive another letter dated XX/XX/XXXX stating that BOA has not heard from me about my claim since they debited back that amount and that I had until the XXXX to contact them with more information. I call as soon as I read it and ask to speak to a supervisor. Last time I asked to speak to a supervisor the agent told me she did not have one ( very false ). This time when I asked the agent transferred me to customer service and then I had to wait again to be transferred back to the fraud department and explain myself yet again to another agent. This agent finally transferred me to her supervisor and the supervisor was also no help but she did make me worry even more about my problem. She did tell me that she was able to see all the calls Ive made since XXXX and the notes and that my claim was still open and an escalation was made XX/XX/XXXX. She told me she did not see this letter being sent out from her side or the back office which was the dispute solutions department. I told her how is that possible when Im holding the letter in my hands. She then tells me to fax a letter explaining my situation and I told her I already did all that and now that shes telling me to fax again I asked that this is concerning because I might had a HIPPA violation due to me sending my hospital discharge papers to this fax number on XX/XX/XXXX that I was given to by a BOA agent. She then begins to read the letter I sent and that the dispute department did in fact receive it. So then I ask, how am I receiving this letter from the dispute solutions department saying that they havent heard from me since they took my money but that she just confirmed that they did in fact receive it in XXXX. She stated again and again that she just doesnt see that letter from her end but that shes not saying she doesnt believe me and thats all she kept saying. She was no help and I feel helpless at that fact that I cant get my unemployment money back. I am 8 months pregnant and been so stressed out because of this and has caused emotional damage at this point. They STOLE MY MONEY AND REFUSE TO GIVE IT BACK. I asked why cant they do what they did with the first investigation where they concluded I was not at fault, why not check the atm cameras, why arent my discharge papers enough proof. She did not give me an answer. I had to go months without my EDD benefits because every time I got them they were being credited towards that negative balance I had XXXX. Bank of America forced me to use all my savings because of this. I need help please. Bank of America refuses to attend to my claim. Its not my fault that it is so easy to hack their prepaid card system and that they dont invest enough in our security. Please look into this complaint immediately. Im getting more stressed out as my due date approaches.","date_sent_to_company":"2020-12-28T06:30:37.000Z","issue":"Problem with overdraft","sub_product":"Government benefit card","zip_code":"92104","tags":null,"has_narrative":true,"complaint_id":"4033345","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-12-28T00:59:07.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdraft charges"},"highlight":{"complaint_what_happened":["One letter said they froze my <em>card</em> because of fraud ( this was the new <em>card</em> I had received and I never <em>reported</em> fraud through this <em>card</em> ) and I had NO <em>problems</em> with EDD ( my identity was verified ) and I kept receiving my benefits without a <em>problem</em> so this was not an EDD Issue. I received another letter ( BOTH had no dates on them ) saying they unfroze my <em>card</em>, which was weird because I had not called them asking why my new <em>card</em> was frozen this occurred in XXXX."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["<em>Problem</em> with overdraft"],"sub_product":["Government benefit <em>card</em>"]},"sort":[10.221981,"4033345"]},{"_index":"complaint-public-v1","_id":"8857096","_score":9.876133,"_source":{"product":"Credit card","complaint_what_happened":"I, XXXX : XXXX, an American XXXX, XXXX XXXX XXXX XXXX being, private secured party and authorized agent for XXXX XXXX ( PRINCIPAL ) had applied for a Discover card to assist in my efforts of building up credit for the principal on the XXXX day of XX/XX/XXXX, Discover card application XXXX. \nI had received the confirmation for the application via email on the same date. I received a denial letter on saturday the XXXX day of XXXX XXXX. This letter was quite general and not very forthcoming as the cause for denial. It reads, NO CREDIT RECORD AVAILABLE. I know there is a lack of credit history because the PRINCIPAL opted out of all credit cards and corporate banking systems for the very reasons Im complaining about today back in XXXX ; and back then there were lines of credit, car notes, bills etc. However with the trajectory of the \" corporate democracy '' and all of its horrid corruption again we opted out of this system. As you all well know today we are headed in a horrid direction with this social credit digital system and the only way one can contract, purchase and more is through credit via its commercial digital system using our preestablished estates/credits.\n\nI called the number on the denial letter and was informed on a recorded call that You dont have enough credit lines available and that at this time, Discover card needs to see you having more time with other creditors before we can issue you a line of credit She further referenced the Dodd Frank Act! I requested she mail me what ever it was she was quoting me from and or additional info pertaining to the \" NO CREDIT RECORD AVAILABLE ''. I was informed that by law the letter that was sent is all that is required of Discover Card. This is probably because she realized the act is to protect the consumer from the very thing we were discussing. See quoted text below on the Act in question. This is preposterous, unlawful and XXXX because I am the initial organic source of credit. You offer a line of credit to a person from their estate and force them to pay you back when everything is prepaid and there are no lawful funds available to the people. Hence the Trading with the Enemy Act. Only the Board of Governors is allowed to utilize FRNs so they had figured out a way to sucker punch the people again with the Trading With The Enemy Act. Its my credit after all and further Dodd Frank Act has been violated. You would have no income without our estates and without the miseducation of the people by those who create these acts and more. We unfortunately need one another and your not doing your parts, period! Greedy corrupt practices. \nIve downloaded and stored Discover Cards prospectus ( both XXXX and XXXX ) as well as the indenture trustee agreement ( trust agreement on file with the SEC ), have the authorized agents address and name and may be forced to file a report with the SEC and request an audit from IRS and Ive done my due diligence on reading/ researching the reports mentioned. Im not going to waist my time and or your time listing the many violations of codes, Acts and agreements ( with the SEC and governing laws of the IRS ) your company has on file because I can discern from the prospectus and trust agreement that you darn well know how unlawful your actions are. Now, Im familiar with the Laws of the SEC i.e. the trust indenture act, trustee act, Securities Exchange act, Securities Act, consumer protection, the Dodd Frank Act, Consumer Protection Act ( and more ) and additional applicable laws associated with credit, credit lines and banking and have located many of these acts/ laws codified at CFRs and USCs . Not that these matter to Discover nor affiliates.\n\nI know for a fact my submitted and electronically signed application in conjunction with the EFT Act ( and more. It seems these acts only assist corporation in their unlawful advances on the very investors that made them big fish ) has been collateralize and monetized once transferred. Additionally, a new XXXX  # is issued ( in a pooled batch making it seem as though my application is completely separate from my original. Now Im curious if there is any hypothication. Ill go and investigate further after this complaint. ) in relation to said application ( added to a pooled batch of securities ) of which obfuscates Discover or its indenture trustee from having to pay additional taxes on the newly securitized ( XXXX  ) and further monetized security ( which is my application ). Ive read the parts of your prospectus stating you generally write off much of whats due prior to the consumer having to pay. We are still under the Emergency Banking Act meaning everything in commerce is prepaid and from the looks of your indenture agreement and the prospectus your already aware of this and have no problem using this fact to your full advantage at the disadvantage of your Investors. Discover Card commences the write offs and still expects the consumer to pay up and when they dont their cards closed or placed in collection. This nearly equates to XXXX  % profits not to mention all the card use fees and late charges and or interest charges ; which is the bulk of your revenue. Meaning you also hide the fact that Discover Card forces people to continue to pay all the fees and monthly statements but probably hide that fact from eyes of the Tax guys. Thats the IRS.\n\nOPPORTUNITY TO CURE Truly unlawful, fraudulent acts on Discover Cards behalf. You have several options to choose from to cure/ resolve this matter immediately. FIRST, I require you return my security complete with XXXX  which will equate to the return of equity to its rightful owner. I provided your company a loan/ a way to generate income, assets, equity etc via a security by way of the application and expect just compensation in return. However it seems that more and more credit card companies such as Discover Card ( and discover bank, subsidiaries and its affiliates ) fall right in line with the corrupt practices of the banking industry. You and corporations such as yourself have gotten away with so much corruption and malfeasance off the backs/ labor/ equity of the people who made you. SECOND option is to send my dividend checks to my treasury account to be securitized and deposited in to my bank account by the Treasury once theyve securitized the revenue generated off of my signature from Discover Card. Discovers THIRD option is to provide me a line of credit in the amount of XXXX and in the name of XXXX XXXX and send me a black and orange card.\n\nIm done being a welcome mat to corporations like this and am ready to defend. If none of the above options suit you ; I will follow through with the IRS audit and the report directly to the SEC. Thank you for your attention and time on this unresolved unlawful matter, XXXX XXXX XXXX","date_sent_to_company":"2024-04-25T18:50:07.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"75098","tags":null,"has_narrative":true,"complaint_id":"8857096","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-04-25T18:37:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["We are still under the Emergency Banking Act meaning everything in commerce is <em>prepaid</em> and from the looks of your indenture agreement and the prospectus your already aware of this and have no <em>problem</em> using this fact to your full advantage at the disadvantage of your Investors. Discover <em>Card</em> commences the write offs and still expects the consumer to pay up and when they dont their cards closed or placed in collection."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[9.876133,"8857096"]},{"_index":"complaint-public-v1","_id":"6305825","_score":9.69845,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XXXX my child was given XXXX vanilla gift cards for her birthday. When we tried to use, one was already 'used up ' across XXXX  on various internet services. We contacted Vanilla ( Incomm ) for assistance and was told to file a complaint/refund request. We did so. We did not hear back and inquired each month for five months ( no answer ). When we finally received a photocopied form letter, it stated Incomm/Vanilla disclaim all responsibility to replace/refund b/c the card was used \" in person '' in XXXX. My child has never been to XXXX ... this was a fraudulent excuse to cheat my child out of {$50.00}. If it is happening to us... there are many more that are ripped off and struggling to get proper credit in the same way : IF YOU XXXX keywords \" Vanilla GIFT CARD FRAUD '' or INCOMM FRAUD you will be overwhelmed with reports and similar stories affecting consumers. \n\nXXXX XXXX XXXX XXXXXXXX XXXX Facing Class Action Lawsuit Over Alleged Gift Card Fraud A proposed class action alleges XXXX XXXX has failed to ensure that its gift cards are reasonably protected against tampering by third parties. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX gift cards empty, customers told nothing can be done Gift cards are always the popular go-to holiday present. Now that people are trying to use them some are saying their cards are worthless and the company that issues them won't help. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( My Experience ) What are some of the problems with the Vanilla Visa gift card? I share my experience and review of this prepaid card, along with how it compares to other cards I've tried. I also cover some common scams that target these gift cards. \nXXXX XXXX XXXX XXXX How scammers deplete XXXX gift cards before you can use them XXXX gift cards can be a popular gift for special occasions such as birthdays, graduation, or holidays, but a man in XXXX says XXXX used the cards he bought before his family could. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nAnswer ( 1 of 4 ) : Bought a {$180.00} gift card ( vanilla visa ) for my Daughter 's XXXX b-day she went to go on the site www check your vanilla gift card balance.theres a couple of the same sites she picked the 2nd site when she put in the card # s it said she entered the wrong # s so she put it in aga... \nXXXX XXXX XXXX XXXX Gift card balance drained before used, how hackers do it If the holidays treated you well then you might find yourself lucky enough to still have gift cards to use, but you might want to check the balance before going to shop. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Visa Ripped Off My Teenage Son. My son was given a {$25.00} Vanilla Visa for his birthday. 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