{"took":164,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":40,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8018559","_score":22.72683,"_source":{"product":"Credit card","complaint_what_happened":"This has happened twice, last month in XX/XX/2023 and this month of XXXX, the problem is making a payment. I usually make my monthly payment before the due date of the XXXX to coincide with my pay period which is issued on the XXXX each month or the XXXX if it's the weekend. I paid early my monthly payment for XX/XX/XXXX due date on the XXXX with my new prepaid debit card issued by XXXX XXXX. through their retailer, PLS, my payroll and my son 's SSI and XXXX  pay goes to the account in my name as I am his authorized payee. Discover card never told me I couldn't use the prepaid card to make a payment, I just so happened looked to see if the payment posted on the XXXX and it had not but a notice of a return payment fee had been applied as well as a late fee, {$40.00} and {$30.00} respectively, for a total of {$70.00} which decreased my available credit and notated my account with a late payment. Next day, the XXXX, I immediately went to the PLS Check Cashiers and made the payment at the store through bill pay. \n\nI contacted the customer service line, an Agent then told me I couldn't use my prepaid card, the number or routing and account number to make a payment but would remove the total {$70.00} in fees from my account NEXT BILLING CYCLE! \n\nThe information stating that the cardholder had to use a big bank was nowhere on the application information section and now I run the risk of being reported as a late payment when in actual I paid early then paid again on the due date once the original payment was rejected via a method that was supposedly authorized but they just didn't process the bill payment until several days after the XXXX, my due date but I had my receipts.","date_sent_to_company":"2023-12-18T23:49:40.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"77049","tags":null,"has_narrative":true,"complaint_id":"8018559","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-12-18T23:31:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["This has happened twice, last month in XX/XX/2023 and this month of XXXX, the <em>problem</em> is <em>making</em> a <em>payment</em>. I usually make my monthly <em>payment</em> before the due date of the XXXX to coincide with my pay period which is issued on the XXXX each month or the XXXX if it's the weekend."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Problem</em> <em>when</em> <em>making</em> <em>payments</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Problem</em> during <em>payment</em> process"]},"sort":[22.72683,"8018559"]},{"_index":"complaint-public-v1","_id":"3632720","_score":20.750053,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Chase is in violation of Public Law 111-24 : it refuses to deliver my credit card statement at all, let alone on a timely basis. \nThis is a follow up to my CFPB complaint submitted XX/XX/XXXX. \nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Problem when making payments. \nThe issue has not been resolved. Company says it is \" still working on it as of XX/XX/XXXX '' but the solution is simple : TAKE DOWN THE FIREWALL THAT PREVENTS ME FROM SEEING MY STATEMENTS ... i.e.  Chase is requiring that I provide additional \" payment '' ( which has monetary value to them XXXX in order to sign in to my online-only access account. They want me to sign over the rights to paper statements on my other Chase accounts. \n\nI still can not see, now, 2 months of my transactions, and I am unable to ascertain if any fraudulent payments have been made by Chase to vendors. \n\nChase is in violation of Public Law 111-24 is the Credit Card Accountability Responsibility and Disclosure Act of 2009. This law requires that \" statements must be mailed or delivered to the consumer at least 21 days before the due date. '' CHASE REFUSES to give me my credit card statement or bill, which also limits my ability to exercise other rights under this law.","date_sent_to_company":"2020-05-01T20:06:02.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"90405","tags":"Older American","has_narrative":true,"complaint_id":"3632720","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-05-01T19:47:17.000Z","state":"CA","company_public_response":null,"sub_issue":"You never received your bill or did not know a payment was due"},"highlight":{"complaint_what_happened":["Chase is in violation of Public Law 111-24 : it refuses to deliver my <em>credit</em> <em>card</em> statement at all, let alone on a timely basis. \nThis is a follow up to my CFPB complaint submitted XX/XX/XXXX. \nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> ISSUE <em>Problem</em> <em>when</em> <em>making</em> <em>payments</em>. \nThe issue has not been resolved."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["<em>Problem</em> <em>when</em> <em>making</em> <em>payments</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["You never received your bill or did not know a <em>payment</em> was due"]},"sort":[20.750053,"3632720"]},{"_index":"complaint-public-v1","_id":"2677865","_score":19.703506,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am seeking assistance in my challenge of CARECREDT/SYNCHRONY BANK 's invalid an unauthorized charges for claimed services rendered by XXXX XXXX. When I was first billed by CARECREDIT for such an egregious amount, I complained to the XXXX office ( XXXX  ) directly because they had not performed the work that they had charged me for. In addition, I had not consented to all of the services that they had charged on the CARECREDIT card. The initial reason for my visit to XXXX was not even reflected on the credit application for Care Credit. When I pointed that out to the office, they explained that they were putting down some services and only needed my signature simply to see how much credit I could obtain from Care Credit ; basically, the specifically treatment sought was not important at that time. Once they got me approved for a certain amount, it seems like the goal was to create/come up with as many services as possible in order charge the maximum amount on the card. When I see the doctor 's office was not interested or trying to resolve the initial problem that I went to the office for, I had to actually go to another XXXX office to resolve my problems. When I told them I had decided to see other XXXX XXXX XXXX XXXX 's office insisted that since I had lots of unused money on the card maybe some of it ( to be precise {$390.00} ) could be used as prepaid for my daughter 's XXXX services. However, I learned from my wife she had initially paid {$630.00} out of pocket for prepaid services which had not been completed since my daughter went away to college ; then I cancelled the {$390.00} payment. It seems like XXXX XXXX office found all kinds of creative means of charging the maximum amount on the card. I then decided to file a complaint with CareCredit/Synchrony Bank. At first, the company tried to assert that I had lost my card and was trying to replace it. However, I drafted a full complaint and set forth the deceptive practices of the XXXX office. I explained how they were deceptive in how they coerce me into getting the Carecredit card, although I told them that I had XXXX insurance. In addition I also explained how they charged me for services that I had not requested and they had not rendered. I did not ask for or need any XXXX because I had problems in the past with XXXX  making my XXXX XXXX. But, XXXX XXXX proceeded to order these XXXX  which of course I never requested. She said they were already approved on the Care Credit card that 's why she ordered them ( with a grin on her face ) even if I do n't want them they will still get their money. After all of these interactions with XXXX XXXX and the lack of response and inaction from Carecredit/Synchrony Bank, I have realized that Carecredit/Synchrony Bank is working in collusion with the doctor 's office to fraudulently obtain authorization from patients to get a Carecredit card and charge as much money as possible. They both win at the expense of the patients.","date_sent_to_company":"2017-10-02T18:50:40.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20906","tags":null,"has_narrative":true,"complaint_id":"2677865","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2017-09-19T02:06:46.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>When</em> I see the doctor 's office was not interested or trying to resolve the initial <em>problem</em> that I went to the office for, I had to actually go to another XXXX office to resolve my <em>problems</em>. <em>When</em> I told them I had decided to see other XXXX XXXX XXXX XXXX 's office insisted that since I had lots of unused money on the <em>card</em> maybe some of it ( to be precise {$390.00} ) could be used as <em>prepaid</em> for my daughter 's XXXX services."],"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"],"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":[19.703506,"2677865"]},{"_index":"complaint-public-v1","_id":"6607483","_score":19.40519,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XX/XX/XXXX our payment to USAA Credit Card Services, which I thought was sent electronically from our account with XXXX, was not credited on the date I had indicated for payment. When the payment was a couple of days late, I contacted XXXX and was told USAA Credit Card Services had insisted a paper check be sent for payment. When contacting USAA Credit Card Services, I was told the payment had still not been received and was told I should have paid my bill another way such as having a prepaid account or paying through their web site. I explained I had been paying this bill via electronic transfer of funds for about 20 years without problems with payment always being on-time. I believe I made two calls prior to the payment being made to the account and was treated as being the problem on two separate occasions. I then asked to speak with a manager or customer service representative to discuss this concern. After speaking with a manager, I was told my concern would be forwarded to a Customer Service Advocate. I was contacted by XXXX in the USAA CEOs office who listened to my concerns regarding the insistence for a paper check from XXXX to the USAA Credit Card Service Division. He once again told me of the process with the third party vendor handling the payments and all of the other ways to pay my bill. I also informed him of my past experience with electronic transfer which had been flawless and that I pay our auto, home owners insurance, and all other insurance with USAA via electronic transfer without any problem. He did not comment on that. I live in an area where there are documented concerns with the ability of USPS to provide timely service and had been informed by a business colleague the XXXX XXXX area has also had USPS delivery concerns making the ability to pay bills via electronic transfer more timely and cost effective. Again, no comment. \nOur XX/XX/XXXX payment went through without difficulty and was timely. \nIn XX/XX/XXXX I scheduled the payment 2 days early to prevent any concerns since the due date was on a Saturday. When the payment was not received on time, I contacted XXXX XXXX who once again told me that USAA Card Services has demanded that a paper check be sent for the payment and they would not accept an electronic transfer. The check was mailed on XX/XX/XXXX XXXX XXXX XXXX, MN and was to be paid on XX/XX/XXXX. The payment was not received. I attempted to contact XXXX and left several messages with no return calls. I then contacted customer relations at USAA and eventually spoke with XXXX who listened and then told me all of the things both I and XXXX XXXX should have done and basically I interpreted the conversation as this was my fault and my banks fault. When I pushed the need to improve the process she said Good Bye! Have a nice day. And hung up on me. \nXXXX is the 5th largest bank in the USA and has a presence in 28 states. It seems odd that USAA Credit Card Services will not accept their electronic transfers when all other companies and vendors I partner with will. This has been extremely frustrating and does not seem to be the way to treat military and veteran members of the XXXX XXXX.","date_sent_to_company":"2023-02-23T15:29:45.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"551XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"6607483","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-02-23T14:41:27.000Z","state":"MN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["In XX/XX/XXXX our <em>payment</em> to USAA <em>Credit</em> <em>Card</em> Services, which I thought was sent electronically from our account with XXXX, was not <em>credited</em> on the date I had indicated for <em>payment</em>. <em>When</em> the <em>payment</em> was a couple of days late, I contacted XXXX and was told USAA <em>Credit</em> <em>Card</em> Services had insisted a paper check be sent for <em>payment</em>."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["<em>Problem</em> <em>when</em> <em>making</em> <em>payments</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Problem</em> during <em>payment</em> process"]},"sort":[19.40519,"6607483"]},{"_index":"complaint-public-v1","_id":"2363521","_score":18.726065,"_source":{"product":"Credit card","complaint_what_happened":"I received Courtesy call from Capital One on XX/XX/2017 at XXXX.I was informed that I was speaking to Customer Service , Representative-XXXX, EID # XXXX. I was confused in receiving a courtesy call concerning, a late payment of {$58.00}. When I paid, a payment of XXXX on XX/XX/2017. At time of making this payment, I asked the customer service representative-XXXX when are the payments due. XXXX stated XXXX of every month, beginning XX/XX/2017 in the payments amount of {$25.00}. However, I received Capital One Card on XX/XX/2017. I begin using the card in month of XX/XX/2017. I applied for this card in rebuilding of my credit, so making my payments, correctly and on time is very important to me, in establishing my credit. Anyhow, I received conflicting information from XXXX, stating a payment of {$25.00} was due in XX/XX/2017. I stated a payment was paid of XXXX on XX/XX/2017. Then XXXX, stated a balance of {$8.00} and missed payment of XXXX for XX/XX/2017, plus payment of XXXX ( increase payment due transactions applied in XX/XX/2017, in reaching my card limit of {$300.00}, with a later fees of {$11.00}? ) .I immediately, ask to speak to supervisor. I was on hold for 5-10 minutes, I then was introduce to a supervisor, name ; XXXX, EDI # XXXX. XXXX, stated conflicting information from XXXX. XXXX stated the payment made on XX/XX/2017 of {$50.00} did n't go through and was therefore a missed payment also, no payment was due for month of XXXX? The payment was paid by Master Card/Debit Card through XXXX Prepaid Master Card. This is card reflects, my direct deposit and where my semi-monthly pay checks are deposit. I get paid on the XXXX and XXXX of each month. Therefore, the funds for payment of {$50.00} was in the account. I asked, why am I being notified on XX/XX/2017 about the {$50.00} missed payment. I was given, a poor excuse of a business practice and customer service, due to billing cycle, the missed payment was register on XX/XX/2017. As a problem with payment, then the account was place in call dailer to contact me with courtesy call. Concerning, my payments being 7 days pass due, however within 30 days of not being reported to credit bureaus. I informed XXXX, again this is poor business practice and unsatisfactory customer service. At least, Customer Service and Supervisor, should have the same information to be reviewed and stated to customers. I am sadly, disappointed with Capital One. I 'm requesting this matter be reviewed and addressed, so know one else will become a PREY in wanting to rebuild and establish a better life by being credit worthy. My Best, XXXX","date_sent_to_company":"2017-03-02T17:24:25.000Z","issue":"Customer service / Customer relations","sub_product":null,"zip_code":"30035","tags":null,"has_narrative":true,"complaint_id":"2363521","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2017-02-28T03:32:25.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I was confused in receiving a courtesy call concerning, a late <em>payment</em> of {$58.00}. <em>When</em> I paid, a <em>payment</em> of XXXX on XX/XX/2017. At time of <em>making</em> this <em>payment</em>, I asked the customer service representative-XXXX <em>when</em> are the <em>payments</em> due. XXXX stated XXXX of every month, beginning XX/XX/2017 in the <em>payments</em> amount of {$25.00}. However, I received Capital One <em>Card</em> on XX/XX/2017. I begin using the <em>card</em> in month of XX/XX/2017."],"product":["<em>Credit</em> <em>card</em>"]},"sort":[18.726065,"2363521"]},{"_index":"complaint-public-v1","_id":"2727144","_score":18.555517,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"CITI CARD IS REFUSING TO HELP WITH A VERY WELL DOCUMENTED OVER-BILLING for {$250.00} on a 2-night Hotel stay - for XX/XX/XXXX-XX/XX/XXXX. The proof of prepayment to the 3rd part hotel site- XXXX ( similar to XXXX ) is attached. The XXXX hotel has also received 3 disputes letter from us since XX/XX/XXXX about the surprise {$250.00} charge after our stay and is also dishonest. \n\nXX/XX/XXXX Dear Citi Card Re : Customer Disputes, There is a problem with our charge for {$250.00} on our XXXX that ends in XXXX For the XXXX XXXX XXXX XXXX, VA. \n\nThe hotel reservation was PRE-PAID on XX/XX/XXXX on a 3rd party site called XXXX, for {$250.00} on A DIFFERENT XXXX CARD THAT ENDS in XXXX. ( PROOF w/ a copy of our XXXX XXXX XXXX statement for the payment for the hotel to XXXX is attached. Upon Check in the hotel took our XXXX that ends in XXXX. \nFor incidentals only, including the pet fee of {$30.00} for our XXXX XXXX XXXX XXXX. \n\nAbout a week later, after noticing a fraudulent charge for {$250.00} on my XXXX XXXX that ends in XXXX which is a second charge in addition to the {$32.00} incidentals charge, I wrote to the Hotel XXXX XXXX XXXX on XX/XX/XXXX and notified them of their mistake with the charge on our XXXX for {$250.00} because we had pre-paid, and we never signed an agreement or obligated ourselves to a double payment for our 2-night stay. They agreed when we checked in that we had PRE-PAID. \n- They never responded. \n- On XX/XX/XXXX I sent a second letter regarding the dispute for the fraudulent charge for {$250.00} after our stay and demanded a refund. This time I sent a letter to the XXXX XXXX XXXX. \n- Today, XX/XX/XXXX I received a letter, only 1 month later, making the false claim that they charged us the {$250.00} for the pet fee which were already paid. They falsely claim that our dog had fleas, which he does not. \n- They are lying and deceitful. I attached proof that our dog takes a flea and tick preventative monthly. \nDear XXXX, please credit our account in full for the fraudulent charge for {$250.00} form the XXXX XXXX XXXX immediately as they are deceitful. \nTo XXXX XXXX XXXX, ccd in this letter, our report will also be for the Better Business Bureau of XXXX, XXXX and all of the social media sites to educate people on how crocked your hotel is. \nUnless you can come clean by next Wednesday, XX/XX/XXXX when we file complaints against you to harm others that your hotel is crooked. \n\nCITI CARD : Please update me in writing and as soon as possible on this dispute for {$250.00} immediately. ( TO BE CLEAR THAT {$250.00} for XXXX XXXX charged by them fraudulently as a second payment on a 2- night stay- on our CITI XXXX that ends is XXXX must be refunded ). \n\nThanks and Regards, - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX, Va XXXX PROOF OF DOUBLE PAYMENT IS ATTACHED.","date_sent_to_company":"2017-11-12T20:39:22.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"201XX","tags":null,"has_narrative":true,"complaint_id":"2727144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2017-11-12T20:07:54.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Dear Citi <em>Card</em> Re : Customer Disputes, There is a <em>problem</em> with our charge for {$250.00} on our XXXX that ends in XXXX For the XXXX XXXX XXXX XXXX, VA. \n\nThe hotel reservation was <em>PRE-PAID</em> on XX/XX/XXXX on a 3rd party site called XXXX, for {$250.00} on A DIFFERENT XXXX <em>CARD</em> THAT ENDS in XXXX. ( PROOF w/ a copy of our XXXX XXXX XXXX statement for the <em>payment</em> for the hotel to XXXX is attached. Upon Check in the hotel took our XXXX that ends in XXXX."],"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"],"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":[18.555517,"2727144"]},{"_index":"complaint-public-v1","_id":"6958251","_score":17.265617,"_source":{"product":"Debt collection","complaint_what_happened":"A supervisor at healthcare finance direct continued to get smart with me on the phone. He would say he could go into my bank account whenever he wanted to because of a contract to signed ( even though I asked him to stop ). I also said I was going through hardship and could only afford a certain amount a month because they failed to properly calculate my balance on my account. They told me I missed two payments three months later. When I read reviews for them on other websites ( XXXX, XXXX reviews, and help ) other people said the same thing. I immediately contacted my credit card company and alerted them that healthcare finance direct continued to run my credit card without my permission. They told me I had to dispute the charges on the card even if I didn't want the money bank. I also told healthcare finance direct not to use my credit card anymore and I'd call back to use a prepaid credit card. They said that's fine. \n\nSo, I called back on XX/XX/2023. I had {$86.00} on the prepaid card that cost my {$8.00} to load. The man got upset because he said it was XXXX and I only had {$86.00}. I let him know I wasn't feeling good and that I wanted to get off of the phone. They try to keep me on the phone all day. He started telling me that I needed to give him a credit card and that I couldn't make my payments online ( even though I had been making payments online before they started harassing me with no problem ). \n\nThey continued to try and argue with me on the phone for {$3.00}. I had a XXXX  XXXX  and XXXX XXXX. It was my finals week and I was sick. They were being all dramatic on the phone like, \" She's not going to pay us and she isn't following the contract. She removed her credit card so we can't access it ''. Even though I told them countless times I didn't trust them because they kept going into my account and most of their XXXX  complaints say that. They'll take hundreds of dollars out of people 's accounts without their permission. \n\nI was too sick to argue with them so I decided not to pay them. They were also playing on my phone, pretending to be different people when they were the same person, and lying on me. They told me my card declined when there was definitely money on there. I believe they declined the money on purpose to try and say I wasn't paying and to play the victim. \n\nThe supervisor got hit with a fraudulent complaint and then decided to retaliate against me by threatening to send me to collections for the two months surprise medical bills + {$25.00} late fees for running for the credit card I told them not to. \n\nThey tried to run my credit card up on their before I even had the chance to pay in the day we scheduled a payment. I told them I wasn't paying a late fee because you decided to run a credit card the day I told you I was going to pay you before I even got a chance to pay you. It wasn't even XXXX XXXX  when I called to pay and they ran my card. \n\nThey're disorganized about how much I owe, it's different people telling me different things when I call, and they can't properly calculate my balance. Every week it's a new balance. Then they have the audacity to wave a contract in my face telling me I need to give them access to my bank account information. \n\nThey sound like scammers to be honest. One week I owe them {$1400.00} and the next week it's {$1100.00} + a {$25.00} late fee. Then they say oh I'm sorry, there's no late fees.","date_sent_to_company":"2023-06-27T15:11:23.000Z","issue":"Communication tactics","sub_product":"Medical debt","zip_code":"48842","tags":null,"has_narrative":true,"complaint_id":"6958251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Healthcare Finance Direct LLC.","date_received":"2023-05-11T02:38:34.000Z","state":"MI","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["He started telling me that I needed to give him a <em>credit</em> <em>card</em> and that I couldn't make my <em>payments</em> online ( even though I had been <em>making</em> <em>payments</em> online before they started harassing me with no <em>problem</em> ). \n\nThey continued to try and argue with me on the phone for {$3.00}. I had a XXXX  XXXX  and XXXX XXXX. It was my finals week and I was sick. They were being all dramatic on the phone like, \" She's not going to pay us and she isn't following the contract."]},"sort":[17.265617,"6958251"]},{"_index":"complaint-public-v1","_id":"14653571","_score":16.965385,"_source":{"product":"Credit card","complaint_what_happened":"I tried to close my accounts and make payments online in XXXX of XXXX. I was unable to, so I called and had the customer service fix the payments and make them right. Since they could see that I tried to access and pay they took the fees off and the late payments off. I prepaid for these cards, and I was never late. This was so I could build my credit. I had some problems with fraud on these accounts, and I had to close some cards and have some reissued. I closed all accounts in XX/XX/XXXX owing nothing since I had prepaid for them. I found out that they did not close the accounts and were reporting to the credit bureaus that I was late, and they were adding fees on every month. In XX/XX/XXXX I tried to dispute this and then they closed one account and said one was a charge off. Both accounts were opened at the same time and closed at the same time. They are now giving all sorts of information and now reporting I have three cards which I never did. I had perfect payment history before I tried to get them closed and they did not close them and added on fees month after month even after trying to fix it with them. They are insistent I owe when I do not. This is their mistake, and they have caused problems on all three credit reports, my car insurance is high and affected because of this and I can't refinance my car loan because they have done this. This has become a hardship, and I would make no sense for me to default in these cards after perfect payments. This is really hard to deal with because I feel like they are bullying me into paying fees I do not owe. Fees because they were negligent with closing my accounts and fees that added up on payments I wasn't even supposed to be making because they were supposed to be closed. I want all accounts erased from all of my credit reports so that I can start to build again, I feel stuck here and every time I try and reason with them, they come back with some different information that is not accurate. This is so unethical on their part to do this to people. Basically, giving confusing and wrong information to all credit bureaus and if you don't know how to dispute and complain then you have to pay them. How many people do they get to give in to paying things that are wrong so that it corrects their credit. I will not pay for debt I do not owe. I need all of my credit reports corrected and the more they say that I owe the more this feels like harassment. I think the credit bureaus and this credit card company have arrangements and make money on wrongly charging, and collection money not owed. Falsely accruing fees, reporting accounts that never existed, and then the credit bureaus charging consumers to help them clean up the credit. It is wrong all the way around. I was just a regular person trying to fix my credit to get ahead and I was doing that. Every payment was of my own money and on time. This has ruined all of my hard work. I want all account that are reporting to all credit bureaus through First Progress m Premier cards to be erased from all three credit reports","date_sent_to_company":"2025-07-14T16:15:56.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"97206","tags":null,"has_narrative":true,"complaint_id":"14653571","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Synovus Bank","date_received":"2025-07-14T07:09:28.000Z","state":"OR","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I tried to close my accounts and make <em>payments</em> online in XXXX of XXXX. I was unable to, so I called and had the customer service fix the <em>payments</em> and make them right. Since they could see that I tried to access and pay they took the fees off and the late <em>payments</em> off. I <em>prepaid</em> for these cards, and I was never late. This was so I could build my <em>credit</em>. I had some <em>problems</em> with fraud on these accounts, and I had to close some cards and have some reissued."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[16.965385,"14653571"]},{"_index":"complaint-public-v1","_id":"6092829","_score":16.78697,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have an Upgrade card with a {$2000.00} limit. It's on autopay and I've never had any problems until I changed my phone number. I called to update my phone number on my account like I've successfully been able to do with all of my banking and credit cards... until I got to them. They asked me to provide a pdf format bill of my old phone/new phone number account. But I don't have it because I have a pre-paid account. You don't receive downloadable bills when you have a prepaid account. So, I took photos with my Upgrade account cards along with my driver 's license. They said it wasn't good enough. I took screenshots of my new phone account information which included all of my information and showed my new phone number. They said that is not enough. I then said, forget it. I guess I won't be able to get into an account that I am STILL making monthly auto payments for. Then, I asked if they could ( at least ) please remove the old phone number because I obviously have no access to it any longer. If that is my verification method and I don't have access to it, that's a security risk. Well, it's still on there. They will NOT allow me to update my phone number and therefore I have zero access to this credit account that I am still paying monthly. There have been numerous communications by phone and email. I don't believe it is right that I'm telling them I have no access to my old phone number and they leave it on the account anyway creating a security risk. Also, the rule that you have to have a downloadable pdf bill for your phone is ridiculous. I have EVERYTHING to verify who I am but that's the only thing they will accept. They're basically saying that if I don't have a contract phone or a landline, that I can not change my phone number with them and thus can no longer access an active account of my own. I need help.","date_sent_to_company":"2022-10-18T04:04:26.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"48088","tags":null,"has_narrative":true,"complaint_id":"6092829","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2022-10-18T03:44:51.000Z","state":"MI","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I have an Upgrade <em>card</em> with a {$2000.00} limit. It's on autopay and I've never had any <em>problems</em> until I changed my phone number. I called to update my phone number on my account like I've successfully been able to do with all of my banking and <em>credit</em> cards... until I got to them. They asked me to provide a pdf format bill of my old phone/new phone number account. But I don't have it because I have a <em>pre-paid</em> account. You don't receive downloadable bills <em>when</em> you have a <em>prepaid</em> account."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Other <em>problem</em>"]},"sort":[16.78697,"6092829"]},{"_index":"complaint-public-v1","_id":"3439631","_score":16.547148,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Yesterday, Thursday, XX/XX/2019, I decided that due to the incorrect credit report information that still appears on my report from XXXX XXXX XXXX XXXX, who against the Law, the Fair Credit Reporting Act, keeps reporting my 2 accounts with them as bad Debt, Charge Off, Collections, but all that is not true as the evidence included clearly shows, the only choice I had to cover an unexpected expense from the company called XXXX, was to apply for a Secured Credit Card, and after years with this unsolved problem, which is now waiting for the Appellate Judges Judgment and the U.S. Court of Appeals for the XXXX XXXX, under Appeal No. XXXX, the fact is daily expenses and emergencies still have to be covered, and with the help of my Mother XXXX XXXX XXXX and a cash advance from my XXXX Credit Card now part of the Bank called XXXX XXXX, I was able to find the {$300.00} required in order to apply for this Bank of America Secured Card, which is a Bank product precisely designed to help re-establish our credit, but no matter I was a former Bank of America client, with a credit card with them that I closed years ago in good terms, a credit card that passed to Bank of America when they bought MBNA Amerca Bank years ago, they denied this Secured Credit Card. I am including evidence from a credit report, showing that I had a Bank of America credit card, but the incorrect reports from XXXX XXXX simply are making my credit possibilities reduced to Zero, and is probably impossible to qualify for a personal loan, just to cancel the remaining balance with XXXX XXXX under this conditions, because they keep reporting that I am not paying my accounts with them, which is completely false. Both accounts are Paid as Agreed, in spite of a Discrimination Problem at work, currently waiting for a specific date at the Supreme Court of the United States, next XX/XX/2019, as the included evidence shows. I was able to fully update this accounts, even keeping contact all the time with this XXXX XXXX XXXX XXXX during the whole year I was without inclome, even with some intermediate payments to both accounts, which was supervised by the same XXXX XXXX XXXX XXXX internal customer service, and Mrs. Miss XXXX XXXX was one of them, from their Central Office. Please see the documentation included showing all this the truth. I sued XXXX XXXX after they decided not to recognize their obligation to comply with the Law called Fair Credit Reporting Act, no matter the evidence sent first to the same Bank, then to the 3 credit bureaus, and then to the Bank, the credit Bureaus, through here at the C.F.P.B. With a a main Bank violating the Fair Credit Reporting Act like they do with me in this Case, even a Secured Credit Card could be denied, because Bank of America made an automatic decision within 60 seconds : It takes more than that to write just a line here in this specific part of the complaint. Nobody from the Bank saw this evidence, saw I think is better, faster, and possible to send also to the 3 credit bureaus, and to XXXX, which because their unfair request of a full payment for a balance that was not past due, denying my request to divide the payment, or to accept a partial payment until days before next XX/XX/XXXX, as they approved many times during the past year due to this same problem, because I had no choice but to apply for this payment extension for extra time to pay that XXXX was offering. Now, because of their finance department bad decisions in this case, against me no matter I am their customer for more than 12 years and counting, I can't simply leave XXXX and buy a new cell phone from another company with a pre-paid offer, without hurting my finances in the middle of this unfair problem. See the evidence. I don't want to continue at XXXX, as I informed them even to a Supervisor who tried to convince me over the phone a couple of days ago, but I will have to stay because under this unfair conditions provoked by XXXX XXXX, not even Bank of America wants to approve a Secured Credit Card .This is impossible.","date_sent_to_company":"2019-11-15T15:48:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"00949","tags":null,"has_narrative":true,"complaint_id":"3439631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-11-15T15:07:12.000Z","state":"PR","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":["<em>credit</em> <em>card</em> that passed to Bank of America <em>when</em> they bought MBNA Amerca Bank years ago, they denied this Secured <em>Credit</em> <em>Card</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.547148,"3439631"]},{"_index":"complaint-public-v1","_id":"3439417","_score":16.042662,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Yesterday, Thursday, XX/XX/2019, I decided that due to the incorrect credit report information that still appears on my report from Banco Santander Puerto Rico, who against the Law, the Fair Credit Reporting Act, keeps reporting my 2 accounts with them as bad Debt, Charge Off, Collections, but all that is not true as the evidence included clearly shows, the only choice I had to cover an unexpected expense from the company called XXXX, was to apply for a Secured Credit Card, and after years with this unsolved problem, which is now waiting for the Appellate Judges Judgment and the U.S. Court of Appeals for the XXXX XXXX, under Appeal No. XXXX, the fact is daily expenses and emergencies still have to be covered, and with the help of my Mother XXXX XXXX XXXX and a cash advance from my XXXX Credit Card now part of the Bank called XXXX XXXX, I was able to find the {$300.00} required in order to apply for this XXXX XXXX XXXX Secured Card, which is a Bank product precisely designed to help re-establish our credit, but no matter I was a former XXXX  XXXX XXXX client, with a credit card with them that I closed years ago in good terms, a credit card that passed to XXXX  XXXX XXXX when they bought XXXX XXXX XXXX   years ago, they denied this Secured Credit Card. I am including evidence from a credit report, showing that I had a XXXX XXXX XXXX credit card, but the incorrect reports from Banco Santander simply are making my credit possibilities reduced to Zero, and is probably impossible to qualify for a personal loan, just to cancel the remaining balance with Banco Santander under this conditions, because they keep reporting that I am not paying my accounts with them, which is completely false. Both accounts are Paid as Agreed, in spite of a Discrimination Problem at work, currently waiting for a specific date at the Supreme Court of the United States, next XXXX XXXX 2019, as the included evidence shows. I was able to fully update this accounts, even keeping contact all the time with this Banco Santander Puerto Rico during the whole year I was without inclome, even with some intermediate payments to both accounts, which was supervised by the same Banco Santander Puerto Rico internal customer service, and Mrs. Miss XXXX XXXX was one of them, from their Central Office. Please see the documentation included showing all this the truth. I sued Banco Santander after they decided not to recognize their obligation to comply with the Law called Fair Credit Reporting Act, no matter the evidence sent first to the same Bank, then to the 3 credit bureaus, and then to the Bank, the credit Bureaus, through here at the C.F.P.B. With a a main Bank violating the Fair Credit Reporting Act like they do with me in this Case, even a Secured Credit Card could be denied, because XXXX XXXX XXXX made an automatic decision within 60 seconds : It takes more than that to write just a line here in this specific part of the complaint. Nobody from the Bank saw this evidence, saw I think is better, faster, and possible to send also to the 3 credit bureaus, and to XXXX, which because their unfair request of a full payment for a balance that was not past due, denying my request to divide the payment, or to accept a partial payment until days before next XXXX XXXX, as they approved many times during the past year due to this same problem, because I had no choice but to apply for this payment extension for extra time to pay that XXXX was offering. Now, because of their finance department bad decisions in this case, against me no matter I am their customer for more than 12 years and counting, I can't simply leave XXXX and buy a new cell phone from another company with a pre-paid offer, without hurting my finances in the middle of this unfair problem. See the evidence. I don't want to continue at XXXX, as I informed them even to a Supervisor who tried to convince me over the phone a couple of days ago, but I will have to stay because under this unfair conditions provoked by Banco Santander, not even XXXX XXXX XXXX wants to approve a Secured Credit Card .This is impossible.","date_sent_to_company":"2019-11-15T15:48:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"00949","tags":null,"has_narrative":true,"complaint_id":"3439417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER BANCORP","date_received":"2019-11-15T15:48:46.000Z","state":"PR","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>credit</em> <em>card</em> that passed to XXXX  XXXX XXXX <em>when</em> they bought XXXX XXXX XXXX   years ago, they denied this Secured <em>Credit</em> <em>Card</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.042662,"3439417"]},{"_index":"complaint-public-v1","_id":"3439418","_score":15.904794,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Yesterday, Thursday, XX/XX/2019, I decided that due to the incorrect credit report information that still appears on my report from XXXX XXXX XXXX XXXX, who against the Law, the Fair Credit Reporting Act, keeps reporting my 2 accounts with them as bad Debt, Charge Off, Collections, but all that is not true as the evidence included clearly shows, the only choice I had to cover an unexpected expense from the company called XXXX, was to apply for a Secured Credit Card, and after years with this unsolved problem, which is now waiting for the Appellate Judges Judgment and the U.S. Court of Appeals for XXXX XXXX XXXX, under Appeal No. XXXX, the fact is daily expenses and emergencies still have to be covered, and with the help of my Mother XXXX XXXX XXXX and a cash advance from my XXXX XXXX Card now part of the Bank called XXXX XXXX, I was able to find the {$300.00} required in order to apply for this XXXX XXXX XXXX XXXX XXXX, which is a Bank product precisely designed to help re-establish our credit, but no matter I was a former XXXX XXXX XXXX client, with a credit card with them that I closed years ago in good terms, a credit card that passed to XXXX XXXX XXXX when they bought XXXX XXXX XXXX   years ago, they denied this Secured Credit Card. I am including evidence from a credit report, showing that I had a XXXX XXXX XXXX credit card, but the incorrect reports from XXXX XXXX simply are making my credit possibilities reduced to XXXX, and is probably impossible to qualify for a personal loan, just to cancel the remaining balance with XXXX XXXX under this conditions, because they keep reporting that I am not paying my accounts with them, which is completely false. Both accounts are Paid as Agreed, in spite of a Discrimination Problem at work, currently waiting for a specific date at the Supreme Court of the United States, next XX/XX/2019, as the included evidence shows. I was able to fully update this accounts, even keeping contact all the time with this XXXX XXXX XXXX XXXX during the whole year I was without inclome, even with some intermediate payments to both accounts, which was supervised by the same XXXX XXXX XXXX XXXX internal customer service, and Mrs. Miss XXXX XXXX was one of them, from their Central Office. Please see the documentation included showing all this the truth. I sued XXXX XXXX after they decided not to recognize their obligation to comply with the Law called Fair Credit Reporting Act, no matter the evidence sent first to the same Bank, then to the 3 credit bureaus, and then to the Bank, the credit Bureaus, through here at the C.F.P.B. With a a main Bank violating the Fair Credit Reporting Act like they do with me in this Case, even a Secured Credit Card could be denied, because XXXX   XXXX XXXX made an automatic decision within 60 seconds : It takes more than that to write just a line here in this specific part of the complaint. Nobody from the Bank saw this evidence, saw I think is better, faster, and possible to send also to the 3 credit bureaus, and to XXXX, which because their unfair request of a full payment for a balance that was not past due, denying my request to divide the payment, or to accept a partial payment until days before next XXXX XXXX, as they approved many times during the past year due to this same problem, because I had no choice but to apply for this payment extension for extra time to pay that XXXX was offering. Now, because of their finance department bad decisions in this case, against me no matter I am their customer for more than 12 years and counting, I can't simply leave XXXX and buy a new cell phone from another company with a pre-paid offer, without hurting my finances in the middle of this unfair problem. See the evidence. I don't want to continue at XXXX, as I informed them even to a Supervisor who tried to convince me over the phone a couple of days ago, but I will have to stay because under this unfair conditions provoked by XXXX XXXX, not even XXXX  XXXX XXXX wants to approve a Secured Credit Card .This is impossible.","date_sent_to_company":"2019-11-15T15:48:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"00949","tags":null,"has_narrative":true,"complaint_id":"3439418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-11-15T15:48:46.000Z","state":"PR","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":["<em>card</em> that passed to XXXX XXXX XXXX <em>when</em> they bought XXXX XXXX XXXX   years ago, they denied this Secured <em>Credit</em> <em>Card</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.904794,"3439418"]},{"_index":"complaint-public-v1","_id":"1650776","_score":15.39285,"_source":{"product":"Prepaid card","complaint_what_happened":"I could almost check each and every one above. Rush card had a system update on XX/XX/XXXX. I had funds added to my account on XX/XX/XXXX. Funds I had XXXX XXXX to me to help out on bills I had. My car payment. Well I called in for a replacement card with mine being damaged. I was told 7 to 10 days. 2 weeks later still no replacement card. Then finally it came in the mail. I opened it to realize it was the same numbers just different expiration dates and different XXXX numbers on the back of the card. Didnt think anything of it. Well after calling for another 2 weeks i recieved my funds on my card XX/XX/2015. So the system told me my card was activated as well. One problem i had i couldnt remember the pin number so i called. Put my info in with new XXXX digit code on back and the operator told me wrong number. After a few times i tried my previous XXXX code from my first card and it still told me the same thing. So i got transfered to soneone i could speak to. Which shocked me. Few weeks prior i would have to select the feature of applying for a new card to talk to anyone live. So the gentleman told me i should have not gotten the same number when they replace card came in. I told him its not lost, no one has it. I had just damaged it accidently and i couldnt use it at all to swipe or to withdrawl. So didnt see how it would really make a difference. So, now once again he deactivated the card and sent me out a new one. Today is Wednesday and he told me it would be here Friday. I am wondering if this is the start of another two week checking my mail box to no card. Or better yet get charged for another replacement card that is sent quicker which costs more money. Someone has to pay for it. Either way I am back at square one with a XXXX Dodge Avenger that is about to be in a reporting for non payment which will effect my credit. I have been trying to play catch up for a month now and i am still struggling being a single mom with XXXX children who i dont get any support for. So, i dont just have that kind of money to throw away or wait for. When i got this prepaid card i didnt think their was ever going to be such a hassel. Boy was i wrong. Makes we want to stick to the local banks where i can actually go in and see and talk to someone when issues arise. \nI guess i am wondering what Rushcard is going to do to help me when my car payment goes over a 30 day late payment where my account will be considered delinquent. They report me to all three major credit bureos. Which i spent over a year paying an agency to help get my credit half way decent. Now, a gliche, update system, whatever Rushcard 's excuses were, once again in a diffrent aspect is back to square one. Please get this fixed and help me out so I can get my fiancial statements up to date and live my life stress free again. Never would imagine this would or even could happen until it has to me. \nAlso a little helpful note. It would be a little stressfree to be able to speak to someone that understands me and well as i can understand them. \nOnce again. I just want to be able to get to my funds as well as making sure my car doesnt get reported to consumer reports. \nThanks","date_sent_to_company":"2015-11-17T13:49:44.000Z","issue":"Managing, opening, or closing account","sub_product":"General purpose card","zip_code":"294XX","tags":null,"has_narrative":true,"complaint_id":"1650776","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Empowerment Ventures, LLC","date_received":"2015-11-11T22:12:03.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>When</em> i got this <em>prepaid</em> <em>card</em> i didnt think their was ever going to be such a hassel. Boy was i wrong. Makes we want to stick to the local banks where i can actually go in and see and talk to someone <em>when</em> issues arise. \nI guess i am wondering what Rushcard is going to do to help me <em>when</em> my car <em>payment</em> goes over a 30 day late <em>payment</em> where my account will be considered delinquent. They report me to all three major <em>credit</em> bureos."],"product":["<em>Prepaid</em> <em>card</em>"],"sub_product":["General purpose <em>card</em>"]},"sort":[15.39285,"1650776"]},{"_index":"complaint-public-v1","_id":"3232061","_score":13.551694,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have an American Express Bluebird card # XXXX exp. date XX/XX/XXXX in my name, XXXX XXXX. On XX/XX/XXXX I went online to XXXX XXXX to see about sending my XXXX payments to this card. I moved a year ago, so I went about updating my account info first. \n\nWhen I got to the address section to update my info it said I had to enter a physical address ONLY, a PO Box address could not be used. I live in a very rural area, and USPS does not do home mail delivery of any kind. I have no option but the PO Box at the USPS office for mail delivery. All mail goes to \" block boxes '' which are physical address based, or to a PO Box at the local USPS office. I have no say in the method the USPS uses to deliver my mail. \n\nI attempted to call the ( XXXX ) XXXX number provided by American Express Bluebird at least 10 times and  was unable to reach a customer service person. Every call wound up disconnected. On XX/XX/XXXX I tried the same number again with the same results. I then called another number I found online, ( XXXX ) XXXX, at which point I made contact with a CSR. \n\nThe CSR I spoke with informed me I could not change my address to my PO Box and therefore must use a physical address. I explained the USPS mail situation in my area, and I was unable to receive mail using my physical address. I was told there was no way I could use my correct PO Box mail address, nothing could be done. I let the CSR know that this effectively rendered my American Express Bluebird card useless for my SSDI direct deposits or any other use at all. \n\nI read thru the terms/conditions info provided online and saw nothing which requires me to use a physical mailing address only for my card eligibility or use. The only places I was made aware of this \" requirement '' was while attempting to update my info on the website and as stated to me by the CSR. I have no problem with providing BOTH my physical address AND my PO Box mailing address for their verification and record keeping purposes for my account. But they refuse the option of using both addresses, and therefore are refusing me the use of my debit card which they have issued me to use. \n\nIt is my opinion that this practice by American Express Bluebird card ( as well as other card services ) is unfair and discriminatory. The card issuers require account holders to have a means by which they can make contact with customers via paper mailings, yet make some customers unable to comply by disallowing the use of PO Box addresses for mailings. People such as myself have no choice in the delivery of our USPS mail. This policy is also unfair and discriminatory to those who have insufficient or a lack of banking services available to use. I myself use a prepaid/reloadable debit card because my credit union is 60 miles from my home, and since its only a savings account I can only get an ATM card. That makes it extremely ( almost impossible ) to do shopping locally or online, auto-pay monthly bills, or conduct most all banking related activities. Policies such as the one I am making the complaint about push people out of participating in normal commerce, banking, and the economy unfairly.","date_sent_to_company":"2019-05-13T19:15:40.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"870XX","tags":null,"has_narrative":true,"complaint_id":"3232061","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-05-03T23:16:55.000Z","state":"NM","company_public_response":null,"sub_issue":"Trouble getting information about the card"},"highlight":{"complaint_what_happened":["I myself use a <em>prepaid</em>/reloadable debit <em>card</em> because my <em>credit</em> union is 60 miles from my home, and since its only a savings account I can only get an ATM <em>card</em>. That makes it extremely ( almost impossible ) to do shopping locally or online, auto-pay monthly bills, or conduct most all banking related activities. Policies such as the one I am <em>making</em> the complaint about push people out of participating in normal commerce, banking, and the economy unfairly."],"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 getting information about the <em>card</em>"]},"sort":[13.551694,"3232061"]},{"_index":"complaint-public-v1","_id":"13072975","_score":13.41546,"_source":{"product":"Debt collection","complaint_what_happened":"In late XXXX and during the pandemic, as well as recently from XXXX and XXXX, is where suspicious activity was surfacing. From having troubles with multiple credit cards, bank accounts, and personal information being compromised, leaked, hacked, and breached. From years back, from XXXX about the years possibly around XXXX, some speedy loans I've never heard of were in my name and were secretly hidden until last year, XXXX, that I just found out, and now I am hearing about them. All when a family member, my brother, was on drugs and was arrested for multiple serious charges and including theft, and took my information and used it without my knowledge, and kept it hidden for a long time until I found some evidence of clues he was stealing from me. He was known to steal items from my property as well as have a bad affiliation with a bad crowd that robbed me at my residence or vehicle. He is serving prison for 33 more years. I was also robbed by an unidentified person who robbed me and took my purse, which had personal information such as a social security card, license, credit/debit cards, cash, etc., from my vehicle and residence. I had accounts hacked over the years, and information breached/leaked from what I hear, the dark web, somehow. Been constantly getting spam calls, texts, and emails, consistently, as I do not disclose my information. I reported this as nothing has been resolved, repaired, or fixed from banks/companies, as they turn me into a collection agency after supposedly having identity fraud insurance protection. I have been disputing repeatedly since then and have a police report stating my situation/incident, court documents of a fraudulent affidavit as leading to some evidence traceable, while other evidence remains untraceable, as hackers/thieves keep getting away with scheming. I have had people throughout my entire life misspell my name, which is making my situation worse, as I disputed all the wrong information on my credit history report, such as other names, addresses, XXXX, etc., that were used to as identity theft. Recently, my significant other, XXXX XXXX, had his information breached/leaked/hacked from accounts and a Missouri bank credit card from XXXX in his name that he never knew he had that someone else was able to get a hold of his information and was left a bill of a payment of {$2200.00} in collections in which I am helping him dispute it and report it. He gave me consent to do this for him because I have more patience to handle this than he would, as this will raise his XXXX XXXX. We as a family suffer from chronic health problems genetically passed down, so his condition in dealing with this situation won't be feasible for him. I have about {$18000.00} in collections that were stolen from me from credit cards/loans that I have been disputing repeatedly over the years and dealing with the pandemic during that time is where the suspcious activity was occuring along with what already happened from being robbed by a robber and a theif of a family member. The student loans I am still making payments on or still owe, and other debts that are in good standing and on time with making payments or already paid off, are mine. I own that. One prepaid credit card that is {$100.00} that I owe is mine. I had a financial hardship and was not able to pay on time, and I am 120 days late. Will fix that soon. I even had the Department of Labor billing me over thousands of dollars, saying an overpayment is due, and I do not owe them anything, as I pay my taxes on time and have taxes taken out throughout my entire life of working life. During the pandemic, is where that surfaced as I did everything legally, by the law, and by the books, so I do believe someone messed up there on their end or someone stole my idenity and is falsifying saying I owe that when cleary I was approved and met all critieria during the pandemic and have proof of the evidence to state that. I thought that was suspicious, so I am most certain my identity has been breached from past and recent events, and now, I want our lives back because my family is suffering from this, as we are below the poverty level and can barley afford or make it by becasue of the inflation/economy. I have been fighting to protect myself, mine, constantly, and not one person has helped me resolve this and repair and fix the situation, as our identities have been compromised and without our knowledge, knowing if we are ever gon na be safe, since it has been getting worse with identity theft happening. Please help, I would like my identity back and be able to restore my credit as well, with XXXX XXXX 's situation being fixed too. It is not right that we have to suffer or be responsible for someone else stealing our identity or our information was breached/leaked out by the market/web somehow, when we all are very protective about our information and do not give it out to anyone, and no justice is served for us.","date_sent_to_company":"2025-04-19T09:59:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"305XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13072975","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-04-19T07:54:21.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["The student loans I am still <em>making</em> <em>payments</em> on or still owe, and other debts that are in good standing and on time with <em>making</em> <em>payments</em> or already paid off, are mine. I own that. One <em>prepaid</em> <em>credit</em> <em>card</em> that is {$100.00} that I owe is mine. I had a financial hardship and was not able to pay on time, and I am 120 days late. Will fix that soon."],"sub_product":["<em>Credit</em> <em>card</em> debt"]},"sort":[13.41546,"13072975"]},{"_index":"complaint-public-v1","_id":"3827823","_score":13.159514,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a XXXX XXXX  XXXX by trade. \n\nAt the end of XXXX of this year my sister withdrew her retirement from the post office. This was given to her on a pre-paid debit card. She offered to use some of that money to pay off some of my companies high interest credit cards. I called my personal banker at Chase and told him exactly this. I was told that the best way to do this would be to run the debit card through the credit card processing system which i was already set up with and had already used many times before. I was told to make an invoice between my sister and I in case it was requested. This was done. The prepaid debit card had a {$5000.00} limit so between the dates of approx XXXX and XXXX the card was run three times for {$5000.00} and one times for {$3000.00}. These totaled to {$18000.00} which is the amount of the loan and the amount disclosed to my banker when i called to request instruction. I did exactly as I was instructed to do by Chase bank. \n\nOn approx XXXX I began a minor renovation for a client to replace the siding on his home. He made an initial deposit of {$4000.00} for materials and then was to make a {$7000.00} payment upon completion which he did via a credit card and i ran using the Chase touch tone capture system. \n\nChase bank is withholding this {$7000.00} final payment for actual services rendered because they say that my previous transaction of {$18000.00} was invalid because it is a loan to my company via a family member. I understand this defense if i was using this system to transfer my debt onto her SSN, but that is not the case. This is her cash. Chase does not care. They say that we violated contract and they are using this other persons money to preserve their right to loss, which just does not exist. I have no other transactions pending with them. They say that this information is included in my merchant agreement, which is a very long fine print legalese document which i have read and still don't understand what I have done wrong. Regardless of contract however, they took time to review this transaction and then released the funds to me which were then spent on their non refundable stated purpose. I was told to remedy this I could refund the {$18000.00} to my sisters debit card and they would reconsider. Aside from the impossibility of this, I acted in accordance with what my personal banker told me to do and Chase took the time to review this, missed an apparent error that only they are able to extract from the contract verbiage, and they waited an unreasonable amount of time and did not even approach me preemptively but instead waited until it was convenient to them to address the problem. Every single person I have had to tell this story to at Chase bank thinks is preposterous until they call the actual Paymentech portion of Chase bank and then they just cease reasonable communication and state that payment will not be made for less than 6 months and then I am getting indeterminate answers on where the money will go. I am closing my Chase account so it can not go there and I don't understand how they would put it back on my clients actual credit card but i know if they do he will have paid interest on {$7000.00} for 6 months. I am getting no answers from chase except to read my agreement which i have done and do not see where it says a family member can not run cash through this system for a 3 % processing fee. I feel it is also worth mentioning that Chase bank has extracted from my remaining funds the {$870.00} from my checking account which is the 3 % of {$18000.00} and {$11000.00} despite them not actually processing the entire amount to my account. They have further told us that they will not be refunding any of the processing amount. They have now closed my credit card processing account and i could not put the {$18000.00} back onto my sisters prepaid debit card if I wanted to. This loss of {$8000.00} completely unexpectedly in the middle of a pandemic is causing extreme stress to my ability to fund my business operations and I am out of options. I have escalated this as far as I can wrench phone numbers from people. Following is a timeline of events. \n\nOn XXXX i called to chase mobile deposit phone number ( XXXX ) and inquired about the hold on the funds seeing as how i had been making deposits since the previous thursday and they usually only have a one day hold. I was told my funds were in review and they would be released after. They were released the start of business the following day. \n\nOn approx XXXX I ran a renovation customers credit card through the chase touch tone capture system as i normally would in the amount of {$7000.00}. This was a final payment on an {$11000.00} total invoice. The other {$4000.00} of the job was also on the same card and run through the same system and was released on the XXXX with the other {$18000.00}. ( The initial {$4000.00} was an upfront material cost for work that began approx XXXX and the remaining {$7000.00} in limbo is the remaining payment due to me from my client ) On XXXX I began to call the chase mobile deposit number and inquire if the funds were available. I was told the transaction was in risk review. I said ok and hung ended the call. I understand the need for this. \n\nOn XXXX, now a work week later, I called and asked for information and was told that it was still in risk review. I was transferred to risk review and was told i would receive call backs with information. No call was received. \n\non XXXX in the morning i began to call and was told that the risk department is only open from XXXX XXXX ) XXXX to XXXX. So i called back several times later in the day and got no help. \n\non XXXX I again began calling. I spent approximately 2 hours per day on the phone with the different departments of the chase merchant services department to only be bounced between phone numbers that no one responded to and when they did they bounced me to another line. This went on everyday for approx 2 hours of actual spent time per day until the friday of XXXX. \n\non XXXX I was able to get ahold of my personal banker because he seemed to be the only person that actually cared enough to pay attention to the issue beyond the first few sentences and he advised me he would be taking charge of the situation. \n\nOn XXXX My personal banker called me back and was able to get his branch manager to issue a formal complaint up their chain of command. \n\non XXXX we were told by the chase corporate complaint department that our concern was being reviewed and issued an analyst. It would be done that day. It was not done that day. \n\nOn XXXX we were told we would be given an analyst. We were not given an analyst. \n\non XXXX we were given an analyst and told it could take a couple of days. \n\non XXXX we heard from our analyst and they would review. \n\non XXXX we are told that in fact Chase would be holding our {$7000.00} for 6 months at which point they were indeterminate about where it would go. There only response is \" we will hold it incase there are chargebacks or other incurred expenses. '' My client has already has this {$7000.00} taken off of their card and so I am unable to get him to have his bank dispute the charges. We tried that as well. This {$7000.00} is being held by chase with no risk to them. My Merchant Id number is XXXX","date_sent_to_company":"2020-09-03T06:07:17.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"38654","tags":null,"has_narrative":true,"complaint_id":"3827823","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-09-03T00:53:40.000Z","state":"MS","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["This was given to her on a <em>pre-paid</em> debit <em>card</em>. She offered to use some of that money to pay off some of my companies high interest <em>credit</em> cards. I called my personal banker at Chase and told him exactly this. I was told that the best way to do this would be to run the debit <em>card</em> through the <em>credit</em> <em>card</em> processing system which i was already set up with and had already used many times before. I was told to make an invoice between my sister and I in case it was requested. This was done."],"sub_issue":["<em>Problem</em> <em>making</em> or receiving <em>payments</em>"]},"sort":[13.159514,"3827823"]},{"_index":"complaint-public-v1","_id":"2995578","_score":12.634179,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"So, my name is XXXX XXXX. For the past few months I have been late on a particular Capital One card. I have strategically avoided being reported 30 days late though by making sure its never this far behind. \n\nOn XX/XX/2018 I made a payment in the amount of {$50.00} to my Capital One account, via the app with a debit card. XX/XX/XXXX was definitely due, however in this case I was paying the past due amount from XX/XX/XXXX. The account was four days from being reported 30 days late.\n\nWhen I make a payment the app will usually give you a confirmation number, this day it did not. It gave an error message, but I still got a text notification from my bank about the transaction. Okay cool. I didn't think any thing of it. \n\nWell I get on the app about a week or so later, I'm none the wiser that they haven't even gotten or processed and applied this payment to my account even though the money was taken. \n\nSo I call and they issue a payment adjustment on the premises that I fax over proof the payment was made within 30 days or so of the adjustment. That took long enough. The agent on the phone, needed to call the financial institution and verify that there was a transaction. \n\nFirst of all, prove I didn't make the payment. So, I go ahead and send over a screenshot of the mobile app via a faxing app in my phone ( which is an awesome app btw ) and don't think anything of it. \n\nWell I call about 4-5 days later and they tell me that this screenshot is too blurry and the best thing they need is a electronic funds transfer report from the financial institution and not even a statement of my transactions for XX/XX/XXXX cycle from the bank will work. Okay. Wow.\n\nThey didn't even send me a letter to notify me, here I am only getting the standard letter that they need this type of proof, however in my mind I know sometimes these letters are automatically generated so I really don't pay too much attention. \n\nI call the bank ( like they want me to ) and ask for a statement or electronic funds transfer report XXXX well this isn't a bank and I kept trying to explain that to Capital One ) and they say my account doesn't cycle until XX/XX/XXXX and it costs {$5.00} and they can't do a funds transfer report they can only do a statement. This a problem, cause Capital One said they need proof of where the payment went to and the electronic funds transfer report will show where it went to, or what account number. So they can't provide this. \n\nAre you kidding me? You're putting me through all this XXXX when YOU lost my payment Capital One. I am so upset and disgusted. The biggest thing I'm concerned about is that they issued an adjustment and if I couldn't provide that proof, I'd have to be reported late to the credit bureaus for their app 's error or mistake. \n\nFast forward, I'm on the phone with a supervisor at the payment investigation department ... I'm giving them the card number, account number, they can not locate this payment or seem to locate it ANYWHERE like it's just GONE. So I get sick of it and I say okay, here 's what we're gon na do ... I'm gon na dispute the charge ( since it's not like you can find the payment anyways ) and I'm going to go ahead and make the payment again. And then catch up on the payment due for XX/XX/XXXX and XX/XX/XXXX so I don't get anothet 30 day late report even THOUGH it's there fault and I wasn't ever 30 days late. The XXXX. \n\nBut I do this knowing I will still have to try to get proof that the payment was made and that I would be 30 days late after the payment adjustment is revoked because of failure to provide proof of payment. Again, fast forward. I look on my XXXX report and find 1 late payment from the Capital One account ending in XXXX. This is absolutely nutts, I made a payment late but the bottom line is it was made before it was 30 days late and they LOST IT. \n\nSo now, not only do I have a late payment on my credit report, I even went back and paid XX/XX/XXXX after disputing the {$50.00}, then paid the current total amount due for XX/XX/XXXX and XX/XX/XXXX. Not its not due until XX/XX/XXXX, and THEY STILL reported me late for their error. T\nhis is absolutely crazy and I am on here today because it's not showing on XXXX, or XXXX  as of yet and the funny thing is my score went up when I updated it even though I got my first late payment ever in 4 years of credit history. \n\nPlease help me someone I am beyond frustrated with Capital One and the bank that the prepaid card is issued through is beyond abysmal and doesn't seem to be competent enough to get ahold of them and I feel like there's no solution, because they can't provide an electronic funds transfer report ( which will show the account number the payment went to ) they can only provide a statement, which according to capital one isn't proof enough to prove I made the payment on XX/XX/XXXX.","date_sent_to_company":"2018-08-19T14:16:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"528XX","tags":null,"has_narrative":true,"complaint_id":"2995578","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-08-19T13:42:19.000Z","state":"IA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["T\nhis is absolutely crazy and I am on here today because it's not showing on XXXX, or XXXX  as of yet and the funny thing is my score went up <em>when</em> I updated it even though I got my first late <em>payment</em> ever in 4 years of <em>credit</em> history."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.634179,"2995578"]},{"_index":"complaint-public-v1","_id":"4286534","_score":12.603452,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The short version : I was shorted {$10.00} when making a withdrawal from a BofA ATM. When I submitted an ATM error claim, BofA : XXXX. Closed the claim the same day or no more than two days later as \" fraud or suspicious '' without investigating the claim. \nXXXX. Declined my grocery store purchase ( this was the way I found something was wrong since the claim denial letter arrived much later ). \nXXXX. Closed or froze XXXX depending on which rep at BofA gives the info ) all of the funds XXXX had paid me via the BofA prepaid ATM card. \nXXXX. When I tried to escalate the error, the supervisor refused to talk to me and told the phone rep to tell me \" BofA has nothing to do with it and I need to contact the sponsor '' XXXX XXXX XXXX. \nXXXX. Prevented access to all of my XXXX funds for almost three months. \nNOTE : XXXX confirmed that there was nothing wrong with my claim or account and sent me payments BofA refused because they closed/froze my account via paper checks. They continued to pay me via check until my claim ran out of funds. \n\nAll of the details : On XX/XX/XXXX I went to a Bank of America ATM to withdraw {$250.00} in cash. The last {$10.00} bill was stuck in the ATM and retained. A few days later I called Bank of America and told them I was shorted {$10.00}. \nA few days after that I attempted to use my XXXX ATM card at a grocery store and the transaction was declined. I didn't have time to call about it at the time because I was in the process of moving. \nI received a letter dated XX/XX/XXXX, most likely the day I filed the claim, stating \" Your claim has been closed because we believe the account or claim may have been the subject of fraud or suspicious activity. '' Since I made the withdrawal I assume this means they're accusing me of fraud? \nOn XX/XX/XXXX I spoke to the prepaid claims department and they informed me that not only do I not get my {$10.00} back, but in addition, all of my funds had been frozen ( she originally told me the account was closed ) and they returned already delayed credits XXXX sent to BofA for the month of XXXX and XXXX totaling {$3200.00} back to XXXX. I couldn't believe all of this happened because of a {$10.00} ATM error claim. However, the phone rep made it sound like its quite normal and happens with almost every claim they receive for XXXX accounts. And there's nothing they will do about it. When I demanded to speak to a supervisor I was told after a lengthy wait that the supervisor refused to speak to me because it has nothing to do with BofA and I needed to speak to \" the sponsor ''. \n\nI must say that I truly experienced the inequity in how people are treated by BofA, especially on that last call. By the way the situation was handled and how I was spoken to, I really felt Bank of America thought I was trash and not worth their time. Ironically, later that same day XXXX received a \" Thank you for being a Preferred Rewards for XXXX XXXX XXXX XXXX XXXX' email from BofA with a video summary of the past year ( for my Business Account that is! ). \n\nI spent countless hours from XX/XX/XXXX through XXXX on the phone with BofA and XXXX, most of it on hold at BofA, trying to get access to MY FUNDS. Everyone Ive spoken with at XXXX says there is no problem on their side with my claim and there is nothing I need to do for XXXX to get access to MY FUNDS in BofA. This is evidenced by the fact that they continued to pay me by paper checks after BofA returned my {$3200.00} in back payments to XXXX. \n\nUntil XXXX, I didn't have have access to MY FUNDS in BofA. That may be incorrect, because the first person I spoke to on XX/XX/XXXX told me that the account was unfrozen on XX/XX/XXXX and I needed to talk to Tier 2 to get my ATM card working again. However, the Tier 2 rep I was transferred to after a long wait on hold very rudely told me that I was wrong because the account has a fraud block on it and I need to talk to Fraud Risk about that. She transferred me and after a lengthy hold I was disconnected. Total time of the XX/XX/XXXX call was XXXX mins XXXX sec. I decided that I had once again wasted too much time getting nowhere with BofA and instead of calling back I would call and close my business account, which BofA paid me {$700.00} to open in XXXX of last year. \n\nAfter calming down from the treatment I received on XX/XX/XXXX, on XXXX I called BofA again and FINALLY got a fraud risk phone rep who cared enough to actually figure out what was needed to free up my funds. After passing enhanced ID ( because, of course, BofA didn't have any idea who I was ... despite sending me this a few days earlier : https : XXXX? XXXX & XXXX & XXXX & XXXX XXXX, he released the block on the account and I immediately transferred the entire balance of {$970.00} to my account at XXXX XXXX. \n\nI am very fortunate in the fact that I did not need the money from XXXX. Whats much more important than resolution for me, and something that infuriates me every time I think about it, is the fact that many people are desperately in need their XXXX payments to feed and shelter themselves and their families. I cant begin to XXXX the pain, stress, and suffering they and their families experience every day. Its inflicted on them as a result of Bank of Americas actions and inactions and I will no longer support such a company with my business ... but I still want my {$10.00} back! \n\nNOTE : I destroyed the XXXX ATM card after I transferred all of the funds out of BofA. I've entered my BofA XXXX XXXX card on the next page for identification purposes.","date_sent_to_company":"2021-04-09T09:32:51.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"92264","tags":null,"has_narrative":true,"complaint_id":"4286534","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-04-09T07:26:35.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["The short version : I was shorted {$10.00} <em>when</em> <em>making</em> a withdrawal from a BofA ATM. <em>When</em> I submitted an ATM error claim, BofA : XXXX. Closed the claim the same day or no more than two days later as \" fraud or suspicious '' without investigating the claim. \nXXXX. Declined my grocery store purchase ( this was the way I found something was wrong since the claim denial letter arrived much later ). \nXXXX."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["Trouble using the <em>card</em>"],"sub_product":["Government benefit <em>card</em>"],"sub_issue":["Trouble using the <em>card</em> to spend money in a store or online"]},"sort":[12.603452,"4286534"]},{"_index":"complaint-public-v1","_id":"2727613","_score":12.184736,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. FL XXXX I have had no credit, no consumer credit for over 20 years. \nNONE. I own my property, I own my XXXX XXXX. I am attending school at XXXX University and started in XX/XX/XXXX/XX/XX/XXXX. My loans were approved, my current funding for XX/XX/XXXX/XX/XX/XXXXis approved. \n\nMy son is attending XXXX University, in XXXX Virginia. I got parent plus loans for his college for XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX/XX/XX/XXXX, with my credit report. \n\nSuddenly this semester, the Equifax and FAFSA Student Loan people are stating that I have what they told me the first time, was a bill for XXXX from XXXX XXXX XXXX. I have not had XXXX XXXX XXXX phone service. I have XXXX XXXX XXXX Internet, currently, and the bills are current, I have XXXX XXXX XXXX XXXX XXXX XXXX, and am current. \n\nI have XXXX XXXX Cellphone Service, for myself and my son, have used them for approximately 5 years. \n\nThis debt did not show up on any prior credit report when I got his student loans, through parent plus for XXXX prior college years, and it did not affect my current college loans, I have my loans and no problems. IT is the same credit report. The parent plus loan for him is based n my credit report. Also, the exceptions policy states if it is not over 2500 then they still give you the loan. \n\nI used the credit link they sent me, FAFSA, and Student Loan.gov, and accessed what they said was a free credit report. I filed the disputes to any inaccurate reporting, which was some medical bills, that should have been paid by insurance but were n't filed correctly. \nand the XXXX XXXX XXXX. \n\nIt was supposed to be a free credit check, if you were denied credit, but they required a credit card. I have prepaid cards I load and use every month instead of credit cards, which I entered, and I see they have charged me {$40.00} off my card I entered for the credit report. \nThe Student loan and FAFSA website clearly stated it was a free check and provided the link. \n\nThe issues I have encountered in the past, is that these corporations and companies will sell their debts to collection companies. Then that company will report the debt, sometimes multiple times on the same debt, chasing the balance by a $ dollar. When asked for any original contracts to verify the debt. They refuse to give it and then will report again, just to harass you, by putting multiple reports for the same debt. \n\nThen they will sell that debt to yet another collection agency, who then reports it again, like it is yet another debt, changing dates and amounts by a dollar or two. \n\nI have one from XXXX XXXX, that I had an account with my ex husband with, which was filed in his bankruptcy in XX/XX/XXXX. They still continue to put that debt on my credit report, and over the years, they have done this reporting the same debt numerous times. \n\nI am getting calls that are harassing me, from some collection company stating I have a violin that I owe money for. I have no violin. I have no idea, I will block the number and they call from different numbers stating it is from different cities all over the US. \n\nThey constantly harass me, then argue when I say it is not my debt, never had this, wrong party, then they start threatening me with a tracer service, trying to serve me with something. This is the worst harassment I have ever seen. They refuse to tell me who they are. \n\nI think they are messing with my cell phone, because my phone started cutting off like someone else was controlling my phone. And weird things happen when they call, though they are blocked, ike they are getting around the blocked number. \n\nMy son currently owes XXXX for this semester of college. He can not register for college for XX/XX/XXXX because the parent plus loan is denied for credit bureau issues. If this bill was on my credit why did they prove me for loans for XX/XX/XXXX, XX/XX/XXXX and approve my own college student loans? its the same credit report. This has happened suddenly, this semester, when the parent plus loan was suddenly not given. He is attending XXXX University in XXXX VA. In XX/XX/XXXX, if I do n't get the funding for him, parent plus loan, he will have to quit college and move back home, then I will have to start making payments on the 2 semester loans we owe for and he will not have a college degree. \n\nI am taking online classes, and I have direct and indirect loans for my college tuition, and books, etc .... No problems with mine, but the parent plus loan for his tuition, is suddenly denied based on an equifax credit report issue where a bill for XXXX XXXX XXXX has suddenly appeared without any reason, can not be proved and that I do not owe. \n\nThey refuse to correct it. I can not get through to anyone in person at either FAFSA, studenloan.gov or Equifax to get it corrected or even get answers, just the same repeated message contact the credit bureau.","date_sent_to_company":"2017-11-13T20:06:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32225","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2727613","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-11-13T19:38:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have <em>prepaid</em> cards I load and use every month instead of <em>credit</em> cards, which I entered, and I see they have charged me {$40.00} off my <em>card</em> I entered for the <em>credit</em> report. \nThe Student loan and FAFSA website clearly stated it was a free check and provided the link. \n\nThe issues I have encountered in the past, is that these corporations and companies will sell their debts to collection companies."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> reporting company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.184736,"2727613"]},{"_index":"complaint-public-v1","_id":"8653411","_score":12.061024,"_source":{"product":"Prepaid card","complaint_what_happened":"i filed a claim with bank of america prepaid operations for XXXX  benefits that someone has collected in my name. these benefits were issued XX/XX/XXXX to XX/XX/XXXX during this time i was a full time employee with XXXX XXXXg also known as shell gas station.i was the XXXX XXXX during this time benefits were being collected from XXXX  which i was not aware of during this time. i became aware of this issue XX/XX/XXXX when i became unemployed and i then applied for unemployment, my claim for XXXX  was approved But i wouldnt be able to receive any benefits until i serve out what they call penalty weeks in a total of 85 weeks, for XXXX  benefits that were being collected in XXXX because i was employed during those years and it wasnt reported on the weeks that were being certified for payments. but i didnt report my employment because i was unaware someone filed for unemployment and was collecting money on my behalf..I have been dealing with Bank of America trying to retrieve these funds that were stolen from me and its been impossible to get these funds back. i have provided police reports to the bank i have went above and beyond to help resolving this issue i contacted the post master at the united states postal service because after finding out about this issue i was concerned there was a problem with my mail. come to find out someone was in fact getting my mail because they put in online request to have my mail forwarded from my home address to an address where they can receive any incoming mail temporarily. anytime there is a request to forward mail if it isnt a permanent request that is submitted the USPS doesnt notify you of the change for the address that the mail is being forwarded from. i have sent in supporting documents several times to the bank from USPS showing dates and years that this mail fraud was taking place to support my claim. police reports that also support my claims for the years these funds were being collected. i requested documents from bank as well to support their reason for denial of my claims they sent me one picture of an atm withdraw that they stated was made by me being the reason they denied my claims and the pic they sent me that they said was me was not even me. so i reopened that claim and sent in like they requested a copy of a valid drivers license. then my claim got denied again with their reason being that my claim was being denied because the card that those transactions were made on was mailed to the address that they had on file and was successfully activated with my credentials. How can they determine that when i never received a card at my address BECAUSE ALL MY MAIL WAS BEING FORWARDED TO A DIFFERENT MAILING ADDRESS. I ALSO ASKED FOR THEM TO SEND ME THEIR SUPPORTING DOCUMENTS ON THEIR FINDING FOR THAT DENIAL AND ALL THEY SEND ME WAS THAT REASON BUT NOTHING ELSE SHOWING THE CARDS WERE SUCCESSFULLY ACTIVATED WITH MY CREDENTIALS. I WAS ALSO TOLD MY SUPPORTING DOCUMENTS WERENT ATTACHED TO ALL MY CLAIMS LIKE REQUESTED AND I DID INCLUDE THE CLAIM NUMBERS ON ALL DOCS I SENT IN.. ANYTIME I FILE MY CLAIMS TO BE RE-CONSIDERED I SEND IN SUPPORTING DOCUMENTS LIKE THEY ASK JUST TO FIND OUT THEY GET MY CLAIM AND DENY IT THE VERY NEXT DAY AFTER ASKING TO REOPEN IT ITS DENIED BEFORE THEY EVEN RECEIVE MY SUPPORTING DOCUMENTS THROUGH FAX. I JUST FEEL THAT THIS IS SO UNFAIR THAT BANK OF AMERICA IS DENYING MY CLAIMS AND MAKING IT SO HARD FOR ME TO RECOVER THESE FUNDS BACK. BUT YET MADE IT SO EASY FOR THE PERSON THAT WAS GETTING MY MONEY. NOT ONLY ONE TIME BUT SEVERAL TIMES. THIS PERSON WOULD USE THE MONEY XXXX ISSUED BANK OF AMERICA THEN FILE A CLAIM AND GET THAT MONEY AGAIN AND THE BANK PAID THEM. AND BECAUSE OF THAT I NOW HAVE TO PAY FOR THEIR MISTAKE IN MORE THAN ONE WAY 1 ) BECAUSE THEY KEEP DENYING MY CLAIMS. 2 ) I HAD TO SERVE THESE PENALTY WEEKS WITH XXXX BECAUSE OF THE MONEY THEY ISSUED OUT TO BOFA. 3 ) I NOW OWE IRS MONEY FOR THOSE YEARS FOR NOT REPORTING ON TAXES MONEY THAT WAS COLLECTED FROM XXXX THOSE YEARS BECAUSE I HAD NO IDEA SOMEONE WAS COLLECTING THIS MONEY. NOT ONLY DID THEY COLLECT THIS MONEY BUT THEY HAVE BEEN USING MY NAME SOCIAL SECURITY NUMBER TO GET CREDIT CARDS IN MY NAME APPLY FOR LOANS AND IT HAS BEEN XXXX DEALING WITH ALL THIS STUFF. I AM RESPECTFULLY ASKING YOU TODAY TO PLEASE GO THROUGH MY SUPPORTING DOCUMENTS FOR MY CLAIMS FOR XXXX OF XXXX TO XXXX XX/XX/XXXX I HAVE SENT IN EVERYTHING I CAN TO HELP GET THIS RESOLVED AND I WILL CONTINUE TO HELP IN ANY WAY I CAN UNTIL THIS ISSUE IS RESOLVED BUT I AM GETTING WORRIED EVEN MORE SO NOW BECAUSE BANK OF AMERICA ISNT GOING TO BE DEALING WITH XXXX PAYMENTS AFTER XX/XX/XXXX AND I FEEL MY CLAIM ALONG WITH OTHERS WILL BE DENIED AND TOSSED ASIDE BECAUSE THEY ARE CLOSING ALL XXXX PREPAID ACCOUNTS. THANK YOU FOR YOUR TIME AND READING THIS LETTER I HOPE I PROVIDED YOU A GOOD UNDERSTANDING TO MY SITUATION AND I HOPE THIS CAN BE RESOLVED QUICKLY WITH THE INFORMATION AND DOCS THAT I HAVE PROVIDED BOFA.","date_sent_to_company":"2024-04-01T16:44:16.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"93454","tags":null,"has_narrative":true,"complaint_id":"8653411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-03-29T07:24:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["How can they determine that <em>when</em> i never received a <em>card</em> at my address BECAUSE ALL MY MAIL WAS BEING FORWARDED TO A DIFFERENT MAILING ADDRESS. I ALSO ASKED FOR THEM TO SEND ME THEIR SUPPORTING DOCUMENTS ON THEIR FINDING FOR THAT DENIAL AND ALL THEY SEND ME WAS THAT REASON BUT NOTHING ELSE SHOWING THE CARDS WERE SUCCESSFULLY ACTIVATED WITH MY CREDENTIALS."],"product":["<em>Prepaid</em> <em>card</em>"],"issue":["<em>Problem</em> with a purchase or transfer"],"sub_product":["Government benefit <em>card</em>"],"sub_issue":["<em>Card</em> company isn't resolving a dispute about a purchase or transfer"]},"sort":[12.061024,"8653411"]},{"_index":"complaint-public-v1","_id":"3393905","_score":11.891158,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I noticed an unauthorized charge on my American express blue card back in XXXX XXXX. Talk with XXXX XXXX at fraud protection department on XXXX XXXX at XXXX.She had no reason why account was shut down with no notice! I am writing to inform you that I intend to pursue legal action in the form of a lawsuit against your XXXX XXXX XXXX. I have repeatedly attempted investigate this fraud on numerous transactions never sign or authorized by me! \nTALK TO XXXX ID XXXX XXXX XXXX prepaid credit card shut down with no reason and no proper NOTICE and know have kept over {$320.00} of my money on my account. \nCharges place on account that have never been mine no sign contract nor any swipe of XXXX XXXX XXXX!!! \nFraud Charge by XXXX XXXX {$75.00} AND {$5.00} ON XXXX XXXX AND XXXX XXXX TOTAL OF {$80.00} MISSING. I can not get into my account but all the Charges from XXXX XXXX FOR {$12.00} WHICH HAPPEND 5 TIMES! \n\nNo Contract, Non-Consent, no signature and : The Fake Company is a Fraud! They do not send any book and steal your funds from your Credit Card! Scam Alter : XXXX XXXX XXXX XXXX XXXX, California, USA Tel : XXXX XXXX The Fair Credit Billing Act was passed in 1975 as an amendment to the Truth in Lending Act. True to its name, the billing act 's primary goal is to establish consumers ' rights when goofs occur on the bill unauthorized charges, fraudulent charges, math errors, billing addressing mistakes and the like. The Federal Trade Commission website lays out those rights in detail. For this matter, nobody signs any contract with the Attachment of the false Charges. The Federal Trade Commission ( FTC ) is the nations consumer protection agency. The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace.\n\nIn addition, the Fair Credit Billing Act says that youll never be liable for unauthorized charges made while your card was in your possession. In other words, if the unauthorized charges were made with your credit card account information rather than your credit card, you wont be held liable if you still have physical possession of your credit card. See Per the Federal Reserve Board 's Regulation E, Electronic Fund Transfer Act.\n\nSue the company or take them to arbitration. Federal law permits you to sue the credit card company if it does not follow the dispute procedures discussed above or takes some action forbidden by law ( such as reporting a disputed amount as delinquent to a credit bureau ). However, your right to sue may be limited by a mandatory arbitration provision. Most credit card companies have slipped these provisions into their contracts ( probably one of those bill stuffers with tiny print that few consumers read ) that prevent you from suing a credit card company in court.\n\nI make this affidavit to establish the fraudulent use of my card. I did not give, sell, or trade my credit/debit/ATM card, nor did I give anyone permission to use my card. I have no knowledge that my spouse or minor children made transactions on or after the date of the first fraudulent transaction. I did not receive any benefit from the unauthorized use of my card. \nI had always associated the name American Express with quality ; but, they have lost any resemblance to quality or trust in the workplace. I DID NOT make or authorize this charge. See Attachment.\n\nTake Notice of Reinvestigation of this unlawfully matter with intent to file small claims in this matter.If you discover someone has made unauthorized charges on your credit card account, you should : Immediately contact the credit card company. ... If someone uses your lost or stolen credit card before you report it missing to the card issuer, you can only be held responsible for {$50.00} of any fraudulent charge. \ncomparing signatures, requesting documentation to assist in validating the claim, requesting a signed written statement from the cardholder or authorized user, and requesting information about the cardholder 's knowledge of the person who allegedly used the card or of that person 's authority to do so. \nElectronic Fund Transfer Act The Electronic Fund Transfer Act is 1978 federal legislation that establishes the liabilities and rights of consumers whose funds are electronically transferred. Consumer protections include a mandate that all transaction fees for ATMs be displayed prominently on the machine and a prohibition on fees not properly disclosed. Consumer liability for unauthorized transfers due to card or PIN number theft or card loss is capped at {$50.00} if the customer notifies his bank within two business days. One thing that isn't clear to me is how someone got access to the card if no one is using it and it wasn't held by an employee. In your situation, I'd want to get to the bottom of this, so it doesn't happen again. The Electronic Fund Transfer Act allows banks and other financial institutions to place their own, voluntary caps on liability for unauthorized credit card charges and use of ATM and debit cards. \nPlease take notice the Billing Address is XXXX XXXX XXXX XXXX XXXX # XXXX New York [ XXXX ]. The fake Merchant has engaged in violations of the FCRA and FDCPA! \nFurther, I may be required to comply with a court order or subpoena to give testimony. I swear this affidavit is true and understand that making a false sworn statement is subject to federal and/or state statutes and may be punishable by fines and/or imprisonment. Thank you for your help.A card is deemed compromised when its information may have been exposed to a third party without your authorization. This happens after you use it at a commercial establishment to make a payment. When unauthorized people have access to your card data through a business, or private, public or commercial office.fraudulent charges to purchase that we never had business with this company is a complete joke the Customer service is in the XXXX islands and nobody fixes the problem all they do shut the car off and refuse to investigate the fraud there should be sanctions against this company!!!!!","date_sent_to_company":"2019-10-03T13:58:11.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"14228","tags":null,"has_narrative":true,"complaint_id":"3393905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-10-03T00:14:58.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I swear this affidavit is true and understand that <em>making</em> a false sworn statement is subject to federal and/or state statutes and may be punishable by fines and/or imprisonment. Thank you for your help.A <em>card</em> is deemed compromised <em>when</em> its information may have been exposed to a third party without your authorization. This happens after you use it at a commercial establishment to make a <em>payment</em>."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[11.891158,"3393905"]},{"_index":"complaint-public-v1","_id":"2636065","_score":11.802982,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Today 's Date : XX/XX/XXXX Wednesday XXXX EST USA CFPB XXXX XXXX-Communication Director XXXX RE : XXXX XXXX/XXXX  Credit Card XXXX XXXX XXXX This is the first, complaint letter, I sent to XXXX XXXX . PLEASE, I NEED YOUR HELP. When I call XXXX, they redirect me to XXXX XXXX. XXXX XXXX, is a Nightmare. I hope this letter, will be self explanatory. If not, I will be happy, to email, my documentation. 1st Email Complaint ; XX/XX/XXXX Sunday XXXX EST RE :  My Synchrony/XXXX Credit Card Balance CC : CFPB Consumer Financial Protection Bureau Attention ; XXXX XXXX Director CFPB XX/XX/XXXX Statement, My Balance was & {$5800.00} SOMETHING IS WRONG!! I have called XXXX Customer Service MANY TIMES!! Their response, \" You Need To Call XXXX XXXX. This weekend, I have called XXXX XXXX, using ( 10 ) different numbers. I even called \" XXXX XXXX Fraud Department. '' Hoping someone from that department, could give me the phone number, of the department at Synchrony, that deals with XXXX CUSTOMERS. This RUN AROUND, has got to stop.\nI was on the phone Saturday Night, XX/XX/XXXX for ( 4 ) hours. Still NO HELP. I have copies of all my \" XXXX XXXX '' orders. I check off each charge, when I received my monthly statements. Once the one through five or six XXXX XXXX are met, this item is paid for. IS THIS CORRECT?? Now, according to my records, I have ( 12 ) items, I still owe for. With a remaining balance of {$220.00}. The Last XXXX XXXX, will be XX/XX/XXXX. My payments, have NEVER BEEN LATE!! My Payments Are Always Over The Minimum Due. i.e. Payments from {$100.00} to {$270.00}. So, please explain my balance. When I received the letter from XXXX, stating XXXX XXXX would be taking care, of credit card. I XXXX XXXX XXXX, NOT GOOD!! Lots of bad reviews. Then when I saw, \" THE LIST '' of other accounts you take care of ... My first thought, there 's some type of \" MONOPOLY, '' Going On. I do not care if XXXX XXXX have assets of {$39.00} XXXX or more. HOW CAN ONE BANK HAVE THIS MUCH POWER?? Recently, two of my other credit cards, have gone with XXXX XXXX. I AM NOT HAPPY!! I HAVE ALL OF MY INFO ; 1. Copies of Each Order, with their XXXX XXXX checked off, once they are PAID IN FULL!! Once I reach the last XXXX XXXX, according to my monthly statements from \" XXXX XXXX. '' 2. Documentation of ALL OF MONTHLY PAYMENTS!! If I had the CEO phone number, I would have call her, Saturday night. Please, direct me to the \" ACCOUNT MANAGER, who deals with XXXX. Also, I DO NOT Like XXXX XXXX/XXXX website. It was NO HELP. Every time a phone call, is made to check the consumers credit scores, before making a purchase. ALL OF THESE PHONE CALLS ARE NOTED ON THEIR CREDIT FILE. I HAVE GOOD CREDIT. AND I WANT IT TO STAY THAT WAY!! I WILL BE WAITING FOR A REPLY, regarding my issue. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Today 's Date ; XX/XX/XXXX 2nd Email Complaint XXXX Attention ; XXXX XXXX Office of the President XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Ext XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To : XXXX Cc : XXXX, XXXX XX/XX/XXXX Friday XXXX EST Attention ; XXXX XXXX Hi XXXX , Hope your day is going well. I left you voice message about thirty minutes, ago. I am emailing you, My XXXX Payment Schedule. Account Balance : {$160.00} I DO NOT OWE, for any new orders. I will NOT be placing any new orders with XXXX. Once this balance issue, is finally resolved. That XXXX Card, will be cut up!! I never had an issue with XXXX. Until XXXX XXXX, came into the picture. Sorry, I have two other cards, that XXXX XXXX has taken over. These credit cards, I have had since the XXXX. I sent a payment to XXXX, for {$300.00}. I made this payment on, XX/XX/XXXX. The payment was deducted from my bank on XX/XX/XXXX. XXXX received it on the date it was due, which was XX/XX/XXXX. XXXX Authorization Department, has called me EVERYDAY THIS WEEK!! They are trying to charge my account for the last few XXXX XXXX  Due. ( See My XXXX Payment Schedule ). My payments due are being DENIED!! There goes my FICO Score!! Due to the {$5800.00}, Over Limit!! Again, I DO NOT KNOW how XXXX XXXX came up with this balance. XXXX, is the XXXX supervisor, I spoke with last week and today. She tells me, that she can not get on XXXXto look at my balance. She can not call XXXX XXXX due to it being a Third Party Bank. Sounds like these poor girls are just trying to do their jobs. But they are stuck in the middle, kind of, like the consumer!! Sounds like poor communication. If you look, at my XXXX XXXX Schedule ; At this time, these are the items to my XXXX XXXX XXXX CARD # 1 Item XXXX XXXX XXXX XXXX {$6.00} 5th Payment of a Total of ( 6 ) XXXX XXXX # 2 Item XXXX XXXX XXXX {$9.00} 5th Payment of a Total of ( 6 ) XXXX XXXX # 3 Item XXXX XXXX XXXX {$3.00} 5th Payment of a Total of ( 6 ) XXXX XXXX {$4.00} Item XXXX XXXX XXXX  {$3.00} 5th Payment of a Total of ( 6 ) XXXX XXXX Total : {$24.00} I have twelve items that will be PAID IN FULL, next month. They are the ones with ( 6 ) XXXX XXXX. My last purchase in XX/XX/XXXX, XXXX XXXX has ( 3 ) XXXX XXXX Pending. The XXXX XXXX, will be paid in full, XX/XX/XXXX. Once all purchases are Paid In Full. Please, explain the {$6000.00} balance?? XXXX, I do not know what is going on. But if it takes me sending all of my documentation, which is about two large binders full, plus more.I have NO problems, with that. I made my first purchase with XXXX in XXXX. I used my personal cards. In XXXX, I requested a XXXX, now XXXX Credit Card. I am requesting XXXX XXXX, to please provide me with, My Account Breakdown. 1. Starting from XX/XX/XXXXuntil the Present Date I can not get the XXXX & XX/XX/XXXXstatements, from XXXX I have the original, but it would be nice, for my records. 2. All of My Payments, be it from my own personal accounts, Or XXXX Account, XXXX XXXX  XXXX Account 3. Do you see any late charges/fees?? My records shows 0 4. Where did all of this interest charges come from?? 5. What is Balance Method = 2D.?? This is from XXXX How Do XXXX Work? XXXX EligibilityXXXX orders may be subject to credit approval by XXXX and XXXX reserves the right to review credit reports to qualify customers for XXXX. If an inquiry is made by XXXX, it will show on the customer 's credit report. Failure to pay XXXX on time may restrict the use of XXXX on future orders. XXXX is unable to accept prepaid cards on XXXX order XXXX makes shopping with XXXX convenient and affordable. It is a payment option that allows purchases on a credit card, XXXX, or XXXX Card over a period of several months. At checkout, choose the XXXX option when available. The first payment, plus applicable shipping/handling and tax will be charged to your payment method when the item ( s ) is shipped. The remaining payments will be charged every 30 days from the ship date to the same payment method as your original order, unless you update your payment method. Multiple XXXXPayments, due on the same day, may be combined and charged in one transaction. Billing dates for future XXXX can not be changed ; however, customers may request to pay earlier than scheduled. XXXX DOES NOT ASSESSES INTEREST CHARGES ON XXXX XXXX PURCHASES!! Use of XXXX on your credit card could result in interest charges from your financial institution based on the terms and conditions of your specific credit card agreement.","date_sent_to_company":"2017-08-17T18:33:42.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"27103","tags":null,"has_narrative":true,"complaint_id":"2636065","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2017-08-17T02:05:57.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["If an inquiry is made by XXXX, it will show on the customer 's <em>credit</em> report. Failure to pay XXXX on time may restrict the use of XXXX on future orders. XXXX is unable to accept <em>prepaid</em> cards on XXXX order XXXX makes shopping with XXXX convenient and affordable. It is a <em>payment</em> option that allows purchases on a <em>credit</em> <em>card</em>, XXXX, or XXXX <em>Card</em> over a period of several months. At checkout, choose the XXXX option <em>when</em> available."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[11.802982,"2636065"]},{"_index":"complaint-public-v1","_id":"8792924","_score":11.699905,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Here is a transcript of the chat with the two customer service agents ( XXXX ) XXXX XXXX XXXX Hi. I've been charged a late fee, but it must have been a glitch with the bank because the funds were available, the account info was correct and other payments made to Sezzle today went through without a problem. \n( XXXX ) Shopper Support Bot : Sezzle charges fees for the following reasons : - When more than one reschedule has been applied to an order ( rescheduling fees ) - When a payment attempt fails due to reasons such as insufficient funds, incorrect account details, or an expired payment method ( failed payment fees ) - When a payment is made after its due date or where applicable, any state-required grace period has expired ( late payment fees ) - When cards, including credit, debit, or prepaid benefits cards, are used for a scheduled payment ( convenience fees ) What would you like to know more about? \n\nRESCHEDULE FEES, FAILED PAYMENT FEES, LATE PAYMENT FEES, CONVENIENCE FEES, CAN YOU WAIVE MY FEE? \n( XXXX ) XXXX XXXX XXXX Can you waive my fee? \n( XXXX ) Shopper Support Bot : Once a Sezzle fee has been processed, it can not be waived. Though, if you see a convenience fee or late payment fee attached to a payment that has not yet processed, you may be able to avoid it before it is processed by : - connecting your bank account and setting as default for scheduled payments ( convenience fees ) - pay off any late payment ( s ) before the deadline as shown in your dashboard ( late payment fees ) ( Reschedule fees can not be waived ) ( XXXX ) Shopper Support Bot : 1. Why was I charged a convenience fee for using a debit or credit card? \nYou may be charged a small convenience fee if you use a credit, debit, or prepaid card to pay off installments on an order View article : XXXX XXXX XXXX 2. What are \" failed payment '' and \" late payment '' fees? \nWhen a payment attempt fails for various reasons, including but not limited to insufficient funds, incorrect account details View article : XXXX XXXX XXXX  3. Why was I charged a fee for rescheduling my payment? \nEvery Sezzle order comes with one free reschedule ( or two reschedules if you are a Premium or Anywhere subscriber ). \nThis optio View article : XXXX XXXX XXXX ( XXXX ) Shopper Support Bot : If you feel you've been charged a fee in error, we can connect you with agent to investigate. \n( XXXX ) XXXX XXXX Hi! Thanks for reaching out to Sezzle Shopper Support, this is XXXX and Im more than happy to assist you today! I see that youve chatted in and there may be a bit of an issue, I'd love to help smooth things over. Please allow me a few moments so that I can review your previous messages and XXXX jump into this! \n( XXXX ) XXXX XXXX Dear XXXX XXXX thank you for taking the time to let us know in regards to this matter. I truly apologize for the inconvenience and I'll be happy to help! Please allow me a couple of minutes so that I can review your account here. \n( XXXX ) XXXX XXXX Could you try to make the payment manually please? See below some steps : remove the app from your phone, and go to your webroser Go to Sezzle.com and log in to your account. \nGo to the Orders tab, then select Active orders. \nClick on the order you wish to make a payment on. \nSelect the installment youd like to pay and scroll down to the Make payment option. \n( XXXX ) XXXX XXXX Did it work? \n( XXXX ) XXXX XXXX XXXX I already paid it. \n( XXXX ) XXXX XXXX Oh I'm glad it worked! \n( XXXX ) XXXX XXXX My deepest apologies for the inconvenience. Could I possibly assist you with anything else right now? \n( XXXX ) XXXX XXXX XXXX I'd like a refund for the {$5.00} fee ( XXXX ) XXXX : Dear XXXX XXXX We really do apologize for the limitations but we can't refund a fee already charged after having a failed payment and after the due date even if it only was a couple of hours late ( XXXX ) XXXX : I deeply apologize, but what youre asking is beyond the scope of what I can do. Could I possibly assist you with anything else right now? \n( XXXX ) XXXX XXXX XXXX But there was no reason for the payment to fail. Money was in the account and other payments due to Sezzle from the same account were made today. It must have been a glitch on Sezzle 's side. My bank said there were no problems with the account today. \n( XXXX ) XXXX XXXX XXXX I'm going to report this to the Consumer Protection Bureau . You can't just charge people a fee when the problem is on your end. \n( XXXX ) XXXX XXXX I'm still here for you, I just need 2 - 3 more minutes so that I can provide you with an accurate response. \n( XXXX ) XXXX XXXX XXXX Ok ( XXXX ) XXXX : Thank you for waiting, i would love to help at this time but once a fee is charged, the fee is paid with the shopper 's acknowledgment, also for the policies is not possible offer a refund of a fee already charged, the fee had to be requested to be waived before making the payment to find a way to help, But after charged is not possible XXXX ( XXXX ) XXXX : I deeply apologize, but what youre asking is beyond the scope of what I can do. Could I possibly assist you with anything else right now? \n( XXXX ) XXXX XXXX XXXX There is nothing written on the site that explains that. I'm filing a complaint because that is ridiculous that I be charged a fee due to an issue on your end. \n( XXXX ) XXXX XXXX Yes, You could search on there XXXX XXXX XXXX ( XXXX ) XXXX XXXX : I already pay a monthly charge for access to certain areas of the site ( whichI 'm not sure is legal ). And now you're charginme an additional {$5.00}? That's not okay. \n( XXXX ) XXXX XXXX Dear XXXX XXXX I would love to help but as I told you we cant do anything else for the policies and agreements at this time ( XXXX ) XXXX : Could I possibly assist you with anything else right now? \n( XXXX ) XXXX XXXX Hi, are you still with me? \n( XXXX ) XXXX XXXX Since we have not received a response from you, I will be stepping away from this conversation for now. But dont worry, you havent lost your place! You can always return to this conversation with more information and we will get back to you within XXXX business day and often sooner! Thank you, and have a great day. \n\n( XXXX ) Shopper Support Bot : When a payment attempt fails for various reasons, including but not limited to insufficient funds, incorrect account details, or an expired payment method, a failed payment fee may be applied to the account. No new purchases or other payment reschedules are authorized until the installment is paid in full. \n\nThe failed payment 's new due date also can not be rescheduled. A late payment fee may also apply if the failed payment is not paid by its original due date or, where applicable, before any state-required grace period expires. \n( XXXX ) XXXX User XXXX : Just to be clear the previous agent said the payment to clear up the failed payment needed to be made the same day in order to get a refund for the fee... I made the payment the same day. \n( XXXX ) XXXX User XXXX : The payment was due to today and I paid it today. \n( XXXX ) XXXX  : Unfortunately, we are not able to waive failed or late payment fees. Unfortunately, the fees are nonrefundable. unfortunately, no sir per industry regulation fees are not refundable and they can not be waived, they get applied to your payment once it fails so in this case we are unable to assist with this request. \n( XXXX ) XXXX : In this case since this is a failed payment fee this will be automatically applied once the reflect of the payment fails ( XXXX ) Grace : in this case, the one that gets removed once you make the payment is the late payment fee but in this case, this was not applied due when you made the payment onthe same date. \n( XXXX ) XXXX User XXXX : But there was no reason for the payment to fail. Other payments due today to XXXX were made without a problem and the monies were available in the account the payments were made from. \n( XXXX ) XXXX User XXXX : And I'm not a sir. \n( XXXX ) XXXX User XXXX : The info pro ided by the shopper bot says a late payment fee XXXX apply if the payment is not made by the original payment date... today is the original payment date. \n( XXXX ) XXXX XXXX we really apologize for the inconnu ma'am unfortunately, in this case, we got a message from your bank that the funds were not available so in this case this is the reason the payment failed, in this case, this might mean that your bank did not approve the charge for further details we remind getting in contact with them directly. \n( XXXX ) XXXX XXXX We apologize there is nothing else we can do. Please let me know If you have any other question regarding a different topic. \n( XXXX ) XXXX User XXXX : I did and the bank said there was no issue on their end. \n( XXXX ) XXXX User XXXX : This has happened before and I wasn't charged a late fee. Why is this time different? \n( XXXX ) XXXX XXXX In this case we had an update and now there was a differnte fee charge in this case you were charged the failed payment fee that is {$5.00} and the late fee is when the payment failes and it passes the grace period and would be an other {$10.00} fee. \n( XXXX ) XXXX : in this case this is the reason why since the payment was unable to be recollected it automatically added you the failed payment fee. \n( XXXX ) XXXX XXXX we apologize for this inconvenience, Please let me know if there is anything else I can assist you with. \n( XXXX ) XXXX  : Hi, are you still with me? \n( XXXX ) XXXX User XXXX : There was no notification of this change in policy. \n( XXXX ) XXXX  : Unfortunately, this was an internal update so, in this case, we do not provide notifications on this ma'am. \n( XXXX ) XXXX User XXXX : That's not legal. As a lender you are required to notify consumers of changes in fee policies. \n( XXXX ) XXXX  : Unfortunately in this case we are unable to provide further details since this are internal requirement. \n( XXXX ) XXXX  : We totally understand your frustration and we really want to apologize for this inconvenience you are facing this time, unfortunatley I have already provided you the correct information we have and the correct procedure to work with this situation. If you don't have any other questions regarding a different topic, I will proceed to close the chat, thank you very much for contacting us today and we wish you a wonderful rest of your day.","date_sent_to_company":"2024-04-21T20:25:03.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"21215","tags":"Servicemember","has_narrative":true,"complaint_id":"8792924","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Sezzle Inc.","date_received":"2024-04-18T03:31:35.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Why was I charged a convenience fee for using a debit or <em>credit</em> <em>card</em>? \nYou may be charged a small convenience fee if you use a <em>credit</em>, debit, or <em>prepaid</em> <em>card</em> to pay off installments on an order View article : XXXX XXXX XXXX 2. What are \" failed <em>payment</em> '' and \" late <em>payment</em> '' fees? \n<em>When</em> a <em>payment</em> attempt fails for various reasons, including but not limited to insufficient funds, incorrect account details View article : XXXX XXXX XXXX  3. Why was I charged a fee for rescheduling my <em>payment</em>?"]},"sort":[11.699905,"8792924"]},{"_index":"complaint-public-v1","_id":"9390257","_score":11.184466,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was hacked in XXXX of XXXX through a XXXX XXXX XXXX \n\nThe hackers accessed my financial accounts ( XXXX BANK, TD BANK, XXXX XXXX XXXX XXXX XXXX XXXX through my phone number and email which they had access from my number 's XXXX. \n\nI let all the financial institutions I had know of the issue as soon as I could. Every Institution helped me EXCEPT TD BANK XXXX. \n\nI went to the TD bank XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX \nThe banker XXXX helped me take down the complaint and TD bank had reversed the fraudulent transactions back to me. I transferred the reversed transactions ( XXXX transactions ; {$1500.00} and {$3500.00} to XXXX XXXX ) to my savings account at TD. \n\nShe told me I had to get a new phone to get back into online banking which I understood. \n\nAfter that I had work, I had gotten a new phone too but could not check my financial reports. I did not have time to go to the branch. I did not have online banking and they did NOT contact me and they did NOT send me any financial statements regarding my accounts Then 6 months later I got an email notification that my bank accounts were empty. \nBoth Checking and XXXX. \n\nI did not use these accounts for ANY transactions. \nI just kept more than the minimum balance so I don't get any fees. \n\nMy checking account balance was supposed to be {$5500.00} My savings account balance was supposed to be {$5000.00} ( The XXXX transactions which I hadn't authorized from XXXX, when it was reversed I had them put it back into my savings account ) I come back to the branch and they said I had an automatic mortgage payment depleting my account over the 6 months. \nI DO NOT OWN A HOUSE MIND YOU. I had to go to the branch XXXX times and they did not help me, the third time I called the cops for a report and the branch gave me the cash back through a bank check for the automatic payments which depleted my checking account the same day I called the police. \nThat in itself is a possible complaint because why are there automatic charges on my account and I am NOT notified nor sent any statements about it regardless however that is not why I am making this report. \n\nnot only did they let an automatic payment which I did not authorize or notified of, the real complaint is that they also reversed the money that they gave me back earlier due to the fact that in their system \" I '' authorized the transaction through my OLD PHONE NUMBER WHICH I DO NOT HAVE ACCESS TO. \nThe problem is that I was not and still am not the person that has access to my old phone number when the transactions were authorized. My number was XXXX swapped by hackers I learned it is called a PORT OUT SCAM and it was the perpetrators that authorized the transaction. \n\nI fought with TD Bank XXXX. and the XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX but they could not help me at all. I went there again and again to urge them to start their investigation again however they refused to help me at the branch and asked for further documents. \n\nThe branch asked me to show proof to the fraud department that I do not have access to this number however my number was through XXXX prepaid sim card, and their customer service team is not helpful at all. For months I requested them to show me proof or give me a supporting document that my phone number was hacked. They could not provide me nor help me with that. \n\nMy issue is that XXXX XXXX was able to reverse fraudulent transactions from the same perpetuators for over {$20000.00} combined transactions between my checking and savings accounts but TD is refusing to give me {$5000.00} of MY MONEY that was NOT authorized by me due to me being a victim of a SIM SWAP Scam. \n\nThe Banks are in the financial industry they should understand because I am aware that I am not the only XXXX this happened to and I did not even know at the time this was a possibility. \nIf I had known I would've used XXXX  or a similarly more reputable company for my phone service. \n\nIt is now XXXX of XXXX and all the Financial Institutions I had accounts with helped me EXCEPT TD BANK XXXX. \n\nIt is unacceptable that {$5000.00} not {$50.00} or even {$500.00}, it is not a small sum at all and for me it is months of savings were STOLEN from me and TD bank is not able to help. \n\nto XXXX XXXX where the assistant XXXX of the TD branch told me to send possibly a fake note stating that my phone number was hacked because XXXX could not send it for me and I sent the branch proof of me contacting XXXX several times through email and phone customer service. The assistant XXXX literally said \" TD wont verify the credibility of the letter ''. \n\nTo me that is NONSENSE I am not going to fabricate a document and commit a crime because their XXXX Department can not give me a resolution to a problem that every other bank and credit card company was able to help me with. \n\nVery Unprofessional Bank and will not EVER bank with them after this experience. \n\nXXXX While filling out this complaint I noticed they don't even have my address correctly, my apartment is XXXX instead of XXXX How can you have my address incorrectly like this when I am keeping thousands of dollars in the account. VERY UNPROFESSIONAL BANK WITH NO DETAIL ORIENTED EMPLOYEES IN FRAUD AND BRANCH DEPARTMENTS.","date_sent_to_company":"2024-07-05T12:47:08.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"11208","tags":null,"has_narrative":true,"complaint_id":"9390257","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2024-06-30T15:12:43.000Z","state":"NY","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["To me that is NONSENSE I am not going to fabricate a document and commit a crime because their XXXX Department can not give me a resolution to a <em>problem</em> that every other bank and <em>credit</em> <em>card</em> company was able to help me with. \n\nVery Unprofessional Bank and will not EVER bank with them after this experience."],"issue":["<em>Problem</em> with a lender or other company charging your account"]},"sort":[11.184466,"9390257"]},{"_index":"complaint-public-v1","_id":"3156484","_score":10.851926,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"After many phone calls to XXXX XXXX they refuse to answer the phone on a Charge that i never sign or had any dealings with! From a Merchant with no consent nor was any card swipe or used!!!!  THIS MERCHANT STOLE FUNDS MY ACCOUNT CALLED XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, NY Transportation Edit - $ XXXX-Under the FCBA, your liability for unauthorized use of your credit card tops out at {$50.00}. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didnt authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use.If your credit, ATM, or debit card is lost or stolen, federal law limits your liability for unauthorized charges. The XXXX XXXX place a fake charge on the account. But Why??? Credit Card Loss or Fraudulent Charges Under the FCBA, your liability for unauthorized use of your credit card tops out at {$50.00}. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didnt authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use.If you report an ATM or debit card missing before someone uses it, the EFTA says you are not responsible for any unauthorized transactions. If someone uses your ATM or debit card before you  report it lost or stolen, your liability depends on how quickly you report it : The liable for those transactions are XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, NY not so superior! \nPlease Note : Most fraud prevention features are designed for card-present environments. Visa, for example, has deployed a number of anti-fraud measures designed to make card reproduction extremely difficult, including holograms and embossed security characters on the face of the card. Moreover, the signature and magnetic strip on the back of the card are designed to ensure that the person using the card is the actual cardholder. Merchants are not liable for fraud when card-present transactions are properly authenticated. \nOnline platforms, however, typically facilitate card-not-present transactions ( card payments made without physically swiping a card ). On a website, buyers enter credit card data into a form they do not hand their card to a cashier. Unfortunately, card-not-present transactions are highly susceptible to fraud and abuse, for which merchants and payment facilitators are held liable. \nChargebacks. \nWhen a cardholder disputes a charge with their bank ( the issuing bank ), the bank may reverse the payment and refund the cardholder, after an investigation. This is called a chargeback. \nCardholders are protected from the financial liability of unauthorized credit card transactions by Regulation Z of the Truth in Lending Act and unauthorized debit card transactions by Regulation E of  the Electronic Fund Transfer Act. Card Associations have even broader rules with further added protections. When fraudulent transactions do occur, a well-defined chain of liability determines who is ultimately responsible for making restitution to the cardholder. Payment facilitators must recover chargebacks from merchants who generate them, or else write off the full amount of the chargeback as a loss. \nFor chargebacks resulting from card-not-present transactions, the issuing bank recovers the funds from the merchants bank ( the acquiring bank ), and the acquiring bank recovers the funds from the merchant. \nSince most chargebacks are received weeks or months after the original payment, it is sometimes difficult to recover the funds from the merchant. This is why acquirers are so conservative in their underwriting : an acquirer will typically research the financial stability, creditworthiness, and underlying riskiness of a business ; it will implement special funding policies ( such as reserves or holdbacks ) to  mitigate loss ; and it will require personal guarantees from business owners, whom it will hold personally liable for the businesss financial obligations. \nConsumer Protections Available Regulation Z The Truth in Lending Act ( TILA ), as implemented by Regulation Z, provides a billing error dispute process for open-end credit, such as credit cards. In order to take advantage of the protections offered by Regulation Z, you must notify the lender of any billing errors by : providing the notice in writing, enabling the lender to identify your name and account number, stating why you believe there is a billing error, including the type, date, and amount of the error, and sending the notice in a timely manner so that the lender receives it, at the address specified for billing inquiries, no later than 60 days after the lender sent the first billing statement reflecting the error. \nOnce you properly notify the lender about an error on your statement, it must acknowledge that it received this notification within 30 days, unless the problem has been resolved. The lender must investigate and resolve the issue within two complete billing cycles ( but in no event later than 90 days ) after receiving the billing error notice.\n\nWhile the lender conducts its investigation into the billing error : You may withhold payment of the disputed amount and related charges ( but any part of the bill not in question, including finance charges on undisputed amounts must be paid in accordance with account terms ).\n\nThe lender may not take legal or collection action on the disputed amount.\n\nThe lender may not report your account as delinquent, accelerate your debt, restrict your account, or close your account.\n\nIf the lender confirms there is a billing error on your account, it must send you a written explanation of the corrections made to your account. In addition to crediting your account for the disputed amount, the lender must also remove all finance charges, late fees, or other charges related to the error. If the investigation reveals no error occurred, it must send you a written explanation of the amount you owe, and you are responsible for paying the disputed amount, plus any finance charges that accumulated during the investigation. \nYou may request copies of relevant documents used in the lenders investigation. If you disagree with the results of the investigation, you may write to the lender within 10 days after receiving the explanation, and you may indicate that you refuse to pay the disputed amount. The lender may begin collection procedures and may report your account as delinquent to credit reporting agencies, but it must also note that you disagree with the amount owed.\n\nIn addition to the consumer protections associated with billing errors, Regulation Z also contains special credit card provisions that limit your liability for unauthorized use of a credit card. A credit card holders liability is limited to {$50.00} for unauthorized use before the cardholder notifies the card issuer. Notification may be given in person, by telephone, or in writing.\n\nRegulation E The Electronic Fund Transfer Act ( EFTA ), as implemented by Regulation E, provides basic protections for consumers with electronic direct deposits or who use debit cards to access their deposit account held directly or indirectly at a bank. These protections include timeframes by which a bank must investigate and determine whether an error occurred when you notify your bank of an error and, in some cases, requirements to provide provisional credit while the investigation is performed. \nFor example, if you notify your bank of a potential account error, Regulation E requires a bank to investigate and determine whether an error occurred within 10 business days of receiving your notice ( or 20 business days for new accounts ). If a bank is unable to complete its investigation within the appropriate timeframe, it may take up to 45 days to determine whether an error occurred. But in these cases, banks must generally provide consumers with a provisional credit to their account within 10 days of the bank receiving the error notice. Also, banks must notify consumers about the provisional credit within two days of providing the credit.\n\nSome banks may require you to submit an error notice in writing after you provide notice orally. If the bank does not receive written confirmation within 10 business days of receiving the initial notice of an error, the bank is not required to provide provisional credit. The time period for the investigation may be extended to 90 days if the error involved an electronic transfer initiated outside of the United States, a point-of-sale debit card transaction, or a transaction involving a new account within 30 days of being opened.\n\nIf the bank determines there is an error on your account, it must correct the error within one business day after confirming it and report the results to you within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ).\n\nIf a bank determines that no error occurred or that an error occurred in a manner or amount different from that described in your notice, the bank must send a written explanation of its findings and note your right to request the documents the bank relied on for its investigation. When the bank debits the funds provisionally credited to your account during the investigation, it must provide you with the date and amount debited. In addition, the bank must inform you that it will honor checks, drafts, or similar instruments payable to third parties and preauthorized transfers from your account ( without charge as a result of an overdraft ) for five business days after the notification.\n\nDisputing a Credit Card Billing Error Many credit card issuers have policies against sellers charging a credit card account before shipment. If you think a seller charged your account too soon, report it to the credit card issuer. Otherwise, the issuer has no way to know the seller isnt following its policies.\n\nTo dispute the billing error with your credit card issuer, you must : write to the credit card issuer at the address given for billing inquiries, not the address for sending your payments, and include your name, address, account number, and a description of the billing error. Use our sample letter.\n\nsend your letter so that it reaches the credit card issuer within 60 days after the first bill with the error was mailed to you. Its a good idea to send your letter by certified mail ; ask for a return receipt so you have proof of what the credit card issuer received. Include copies ( not originals ) of sales slips or other documents that support your position. Keep a copy of your dispute letter.\n\nThe credit card issuer must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. The issuer must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter.\n\nYou may withhold payment on the disputed amount ( and related charges ) during the investigation. You must pay any part of the bill not in question, including finance charges on the undisputed amount.\n\nThe credit card issuer may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account cant be closed or restricted, the disputed amount can be applied against your credit limit.\n\nBut what if You placed an order with a catalog company and they charged your credit card immediately. The catalog company contacts you two weeks later and says the shipment will be delayed 60 days. You agree to the delay. The 60 days have passed, and you may be outside of the time to dispute the charges. Can you still dispute the charge?\n\nMaybe. When a shipment is delayed, credit card issuers often are more generous when they calculate the time for allowing disputes, and may extend the 60-day period. To take advantage of this flexibility, include the following information in your dispute letter.\n\nTell the credit card issuer if you didnt expect to be charged for the merchandise before it was shipped. Some credit card issuers make an exception to the general industry rule against sellers charging before shipping if the seller tells you about its practice at the time of sale. If youre sure the seller said nothing or wasnt clear about its charge practice, the credit card issuer is more likely to allow the dispute.\n\nTell the credit card issuer when delivery was expected. Some issuers use the expected date of delivery rather than the charge date as the start time for you to dispute charges. If you dispute the charge within a reasonable time after the expected delivery date passes, chances are good that the card issuer will honor the dispute. When you order or when a seller notifies you of delayed shipment, its important to keep a record of the promised shipment or delivery date. Include a copy of any documentation of the shipment or delivery date when disputing the charge with your card issuer.\n\nDisputing a Debit Card Charge The consumer protections for a debit card differ from protections for a credit card. You may not be able to dispute a debit and get a refund for non-delivery or late delivery. Still, some debit card issuers may voluntarily offer protections and solutions to problems like not getting merchandise you bought with a debit card. See our sample letter, and contact your debit card issuer for more information.\n\nYour Rights When Shopping by Phone, Mail or Online The Mail, Internet, or Telephone Order Merchandise Rule applies to most goods you order by mail, phone, fax, or online. It requires sellers to have a reasonable basis for claiming they can ship an order within a certain time and details what sellers should do if there is a delay.\n\nShip Dates By law, a seller should ship your order within the time stated in its ads or over the phone. If the seller doesnt promise a time, you can expect it to ship your order within 30 days.\n\nThe shipment clock begins when the seller receives a properly completed order. That includes your name, address and payment ( check, money order or authorization to charge an existing credit account whether the account is charged at that time or not ).\n\nIf the seller doesnt promise a shipping time, and you are applying for credit to pay for your purchase, the seller has an additional 20 days ( 50 days total ) to establish the account and ship the merchandise.\n\nDelays If the seller is unable to ship within the promised time, it must notify you, give a revised shipping date and give you the chance to cancel for a full refund or accept the new shipping date. The seller also must give you some way to exercise the cancellation option for free for example, by supplying a prepaid reply card or staffing a toll-free telephone number.\n\nIf you dont respond and the delay is 30 days or less its assumed that you accept the delay and are willing to wait for the merchandise.\n\nIf you dont respond and the delay is more than 30 days the order must be canceled by the 30th day of the delay period and a full refund issued promptly.\n\nIf the seller cant meet the revised shipping date, it must notify you again by mail, email or telephone and give you a new shipping date or cancel your order and give you a refund.\n\nThe order should be canceled and a refund issued promptly unless you indicate by the revised shipping date that you are willing to wait.\n\nIf you dont respond to the second notice, the seller should assume that you are not willing to wait issue a full refund promptly.\n\nRefunds If you pay by cash, check or money order, or a non-seller credit card, the seller must give you a refund within seven working days after the order is canceled.\n\nIf you pay by credit card where the seller is the card issuer, the seller must credit your account within one billing cycle after the order is canceled.\n\nShopping Tips Follow these tips for hassle-free shopping.\n\nConsider your experience with the company or its general reputation before you order. If youve never heard of the seller, enter its name in a search engine with words like complaint or scam, and read about other peoples experiences with the company. In addition, contact your state Attorney General, and local consumer protection agency to see if any complaints are on file.\n\nCheck out the companys refund and return policies, the items availability, and the total cost of your purchase before you place your order.\n\nGet a shipment date.\n\nKeep records of your order, like the website, ad or catalog from which you ordered ; the companys name, address and phone number ; any promises the company made about shipping and when they were made ; the date of your order ; and a copy of the order form you sent to the company. If youre ordering by phone, keep a list of the items, their stock codes, and the order confirmation code ; your canceled check or the charge or debit statement showing the charge for your order ; and any communications to or from the company.\n\nTrack your purchases. When you order online, keep printouts of the web pages with the details of the transaction, including the sellers return policies, in case youre not satisfied.Complaints help the FTC and other law enforcement agencies bring scam artists to justice and put an end to unfair and misleading business practices. If you have a complaint, file it online or call XXXX. \nCredit Cards, Personal Finance At XXXX, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Many or all of the products featured here are from our partners. Heres how we make money. \n\nIf you see a purchase on your credit card statement that you didnt make, be sure to correct the mistake right away. It could be a simple mistake like a double swipe of your card, for example or it could be someone trying to make a little extra money off of a restaurant bill. Heres how to fix a mistake on your statement, and to make sure youre safe. \n1. Talk to the merchant Before you get yourself involved in a lengthy formal dispute, speak with the merchant. Bring your receipt and credit card statement, and take the time to explain the discrepancy. The merchant may clear up the mistake without having to involve the credit card company. If not, take your complaint to the next level. \n2. Prepare your paperwork While the error on your statement might seem obvious to you, you still need to make a strong case. Keep a record of the receipts, credit card statement and anything else that can add to the paper trail. Errors to look out for include : Returns that didnt lead to a credit on your statement.\n\nErroneous dates.\n\nBills sent to the wrong address ( so long as youve notified your creditor of your address change within 20 days ).\n\nMathematical errors. \nAnd, of course, charges for purchases you didnt make. \n\nGather any relevant receipts and documents supporting your claims and make copies. Keep the originals for your records, and gather the copies for your creditor. \n\nRemember : Never give your account information to someone you dont know, and avoid emailing sensitive data like your account number or Social Security number. Also, never give your information when a caller claims to represent your bank or card issuer. Instead, say youll call back, then call the customer service number listed on the banks website or the back of your card. Dont fall victim to a scam! \nWrite to your creditor Within 60 days of receiving the bill in question, send a letter outlining your objection and copies of your proof in an envelope addressed to your creditors department for billing inquiries. To be on the safe side, send the letter by certified mail, so you receive a receipt when it arrives at your creditors headquarters. Save the receipt proving they received your dispute with the other documents youre using to make your case. \n\nYou can also choose to dispute electronically, if the creditors website allows for that. Save any emails you get in return saying your dispute was received. \nFinal stretch : waiting for a response You creditor is required to respond within 30 days of your complaint, and the dispute must be resolved within 90 days, or two billing cycles.\n\nIn the meantime, you dont have to pay for the purchase in question, you must only pay for everything else on your statement. However, keep in mind that if your creditor finds your evidence insufficient, youll have to pay for the purchase in question, plus any interest that has accrued since. \n\nIf your creditor accepts your claim, all charges related to the error will be removed from your statement. 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