{"took":148,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":14,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7908345","_score":20.367115,"_source":{"product":"Prepaid card","complaint_what_happened":"Dear Sir/Madam : I bought the {$250.00} Vanilla prepaid card ( XXXX XXXX XXXX XXXX ) at XXXX XXXX on XXXX XXXX. I paid {$1.00} to XXXX XXXX for verify the card works or not. Then I used the prepaid card without any problem. But I closed XXXX XXXX account later, XXXX XXXX refunded the balance {$590.00} to the VISA Prepaid card. But the card doesn't work. I called the VISA company, the agent told me they can see the VISA prepaid card has {$590.00} on balance. and he opened a ticket ( XXXX ) and wait until XXXX business hours. \nI called them again, another agent said the ticket was still opening, let me wait another XXXX business hours. \nI followed this case again. One lady told me, the ticket was still open, and asked for the documents. But I have never received any notice for it, But I send all of the documents ( photos of the original card, receipt, and the original package ). She said, I will get a replacement card later. \nThen I received a email from XXXX, the email said, I need provide a copy of the original purchase and return receipt for the XXXX XXXX return. I called XXXX XXXX, they said my account is closed already. they can not provide anything to me. \nI called Incomm again, the first agent said he can not do anything for it, I asked for transferring to the supervisor. Then the supervisor still told me they need the copy from XXXX XXXX. She promised me, I will get a call from a manager in XXXX business hours. But until now, no one contacted me. \nAs a consumer, I simply used this company 's prepaid card, received a large refund, and then restricted this credit card. And then refused for various inexplicable reasons.This money is too important to us for current economic environment, everyone is struggling to survive. But this company 's approach leaves consumers sad and disappointed. \nI hope that with your help, you can help me recover this XXXX dollars. This would be a huge help to my XXXX  family. Thank you for your time and help.","date_sent_to_company":"2023-11-27T20:16:56.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"7908345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Incomm Holdings Inc.","date_received":"2023-11-27T20:11:04.000Z","state":null,"company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["As a consumer, I simply used this company 's <em>prepaid</em> <em>card</em>, received a large refund, and then restricted this <em>credit</em> <em>card</em>. And then refused for various inexplicable reasons.This money is too important to us for current economic environment, everyone is <em>struggling</em> to survive. But this company 's approach leaves consumers sad and disappointed. \nI hope that with <em>your</em> help, you can help me recover this XXXX dollars. This would be a huge help to my XXXX  family. Thank you for <em>your</em> time and help."],"product":["<em>Prepaid</em> <em>card</em>"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"],"sub_issue":["<em>Card</em> company isn't resolving a dispute about a purchase or transfer"]},"sort":[20.367115,"7908345"]},{"_index":"complaint-public-v1","_id":"5061581","_score":16.985397,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Serve is a prepaid credit card provided by american express. I've been struggling to use this product for months but it just keeps getting declined for \" Fraud Detection '' purposes. I've tried over 6 times to contact Serve and fix this problem but I was unable to connect to a representative. They either drop calls or hang up on you or just can't hear you when you finally connect. I finally gave up on their product only to find that there is no way to close the account except by withdrawing all your money. After creating a product who's only purposes seems to be to keep you from accessing your own money ( by sending false fraud alerts nearly every time I used it ) Serve needlessly creates complex barriers to closing the account and getting your money back. Even though I already have a linked bank account I have to re-link it again to withdraw money. A process that takes 3-5 business days and involves many intricate steps. I could try to spend the money but then I get a fraud alert. I could try calling them but then they hang up. For some reason there is no option to just close the account and send me a check with my money. Serve and American Express have created a predatory product and it must be stopped!","date_sent_to_company":"2022-01-01T19:57:32.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"10028","tags":null,"has_narrative":true,"complaint_id":"5061581","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2022-01-01T19:47:38.000Z","state":"NY","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Serve is a <em>prepaid</em> <em>credit</em> <em>card</em> provided by american express. I've been <em>struggling</em> to use this product for months but it just keeps getting declined for \" Fraud Detection '' purposes. I've tried over 6 times to contact Serve and fix this problem but I was unable to connect to a representative. They either drop calls or hang up on you or just can't hear you when you finally connect."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["Closing <em>your</em> account"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't close <em>your</em> account"]},"sort":[16.985397,"5061581"]},{"_index":"complaint-public-v1","_id":"6908718","_score":16.651066,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On approximately XX/XX/2023 I purchased a prepaid PayPal debit card at a local XXXX XXXX. At the time I was in transition and struggling with homelessness and most of the hotels in the area only except credit or debit card payments.I had recently lost the primary debit card I received my paychecks on & needed a card to pay for the next few nights of lodging. The packaging said that I could link the debit card to my existing PayPal. The card was priced at about {$2.00}. When I got to the counter I was told that there was a minimum of {$20.00} payment that needed to be uploaded to the card in order for me to purchase it. I puploaded {$300.00} at the time of purchase. When I called the the XXXX number on the debit card in order to activate it I had trouble. I received a message that I no longer was eligible for a prepaid Account & there were supposedly some issues involving my history with Netspend. I did have a Netspend card probably 15 to 20 years ago. it was another prepaid debit card that I had decided to stop using because they charged high fees for swiping your card they charged a monthly maintenance fee and there were just better cards out there at the time so I stopped using Netspend along time ago and I had no idea that my Netspend history would have anything to do with the prepaid PayPal card. at any rate I accepted that I would not be eligible for a PayPal card and ask how I would go about receiving my refund In the amount of {$300.00} that I had just put on the card. I was told that the only option I had for a refund was to have a check sent to me in the mail this cause an inconvenience for me because I did not have a mailing address I was temporarily living from motel to motel I also needed money for somewhere to stay that night. The whole reason I purchased the debit card. I was told that I would have to wait 10 to 15 days to receive a check in the mail. I mentioned to them that I was homeless not having a stable address. several times and there was never any other option for me to receive my refund.\n\nI dont understand why they make it a requirement to buy the card and put money on the card if they have a criteria that may possibly make a person ineligible for an account. \nAs of now it is XXXX XXXX and I still have not received a check to the address that I gave them. I called them yesterday to ask them if the check has been sent and what was going on & I was told that there would be a delay in the processing of my check and I would have to wait another five days. this changes the date of my refund from approximately XX/XX/XXXX to now XX/XX/XXXX. This is close to a month. They instantly accepted the money! But they do not instantly return it. That night I slept outside with my kids at the park. I had put all my cash in the card thinking I could pay for a few nights at a hotel. That was everything I had that day. the customer service agents keep saying that theyre sorry and they apologize but theres no genuine apologetic tone from the customer service agent. They all say the same exact responses like Im talking to a robot. They hear my situation but they offer no other options for people to receive their money except for a check by mail. This has been a huge inconvenience and has created a total hardship for my family. this should not happen to people please help me with this. Thank you.","date_sent_to_company":"2023-04-29T16:36:56.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6908718","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2023-04-29T15:39:08.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble getting, activating, or registering a card"},"highlight":{"complaint_what_happened":["On approximately XX/XX/2023 I purchased a <em>prepaid</em> PayPal debit <em>card</em> at a local XXXX XXXX. At the time I was in transition and <em>struggling</em> with homelessness and most of the hotels in the area only except <em>credit</em> or debit <em>card</em> payments.I had recently lost the primary debit <em>card</em> I received my paychecks on & needed a <em>card</em> to pay for the next few nights of lodging. The packaging said that I could link the debit <em>card</em> to my existing PayPal. The <em>card</em> was priced at about {$2.00}."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["Problem getting a <em>card</em> or closing an account"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"],"sub_issue":["Trouble getting, activating, or registering a <em>card</em>"]},"sort":[16.651066,"6908718"]},{"_index":"complaint-public-v1","_id":"3584415","_score":15.014558,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I purchased a Netspend PrePaid Debit card with a deposit of XXXX. \nMy intention was for a single use. On XX/XX/XXXX I used the Netspend PrePaid Debit Card to pay XXXX payment to XXXX XXXX XXXX. XXXX XXXX XXXX could not get an authorization for the transaction although indicated to me it had gone through. They returned to card to me. As previously stated, I never had any intention of opening or maintaining any account with Netspend. I  never activated the account cards they sent me, as far as I was concerned my business with them was complete. When my XXXX Social Security Deposit was made to my PayPal Prepaid Mastercard, 1 month and a half later, I am unable to use my funds. It is at this time I find out that A ) Paypal in in cahoots with Netspend and Netspend had come across to all of my paypal accounts including my Paypal Prepaid Mastercard locking them. When I call to find out what was going on I am told I owe XXXX. Impossible, I go on to find out that XXXX XXXX XXXX Force Posted XXXX on to a XXXX prepaid Debit card to which NETSPEND Authorized. Now, a month and a half later, they come knocking on my door, freeze my Prepaid Mastercard which held all of my Social Security Money telling me I was going to pay them that money. That email is attached - I didn't take kindly to them threatening me that they would shut down all my accounts if I didn't pay the {$740.00} The whole point of a PREPAID card to to avoid overdrafts, overdraft fees or charges. Yet Netspend seems to think differently. I don't know of a single bank account or credit card account would allow someone to overdraft a XXXX account by 300 %! Having had another situation with them regarding another prepaid card I purchased at the same time in XXXX, I reached the end of my rope. I submitted the following letter, filed a complaint with the XXXX  demanding they retract the approval for XXXX immediately. I never authorized that, I never approved it, I never even knew about it. I bought a freaking PREPAID DEBIT CARD THAT IS ONLY GOOD FOR THE AMOUNT OF MONEY ON THE CARD! \n\nTwo days ago I received a letter and a bill from XXXX XXXX XXXX   for {$1100.00}, indicating that the bank had rescinded the authorization. The date alarmed me because it was before XX/XX/XXXX and this is the XXXX of XXXX and I have yet to receive the original XXXX deposit I had on the card. I immediately start combing through my emails to find an email sent to me on XX/XX/XXXX with a bunch of gibberish that suggested I may or may not get my original XXXX back. I will file a lawsuit against them if this is now the game they are playing. They take people 's money as if it belongs to them They place irrelevant holds on money putting people through hoop after hoop after hoop. At the end of the day - NETSPEND authorize a 300 % overdraft on a XXXX prepaid card. Not once did they catch it, contact me, stop the transaction, find suspicion because of the ungodly  amount. Not ONCE did they protect me, their supposed \" customer ''. Instead they approve such an egregious transaction and them try to make me pay for it. When I refuse and demand they cancel that approved transaction, they apparently do while continuing to HOLD MY MONEY! Any prepaid debit card company advertises no overdrafts, no fees. The definition of a PrePaid Debit card is the card is good for the amount of money loaded to it. Not according to Netspend. THIS COMPANY NEEDS TO BE SHUT DOWN! \n\nBelow you will read the first letter I sent them when I found out they had my Social Security Deposit., Per their request. I am also attaching the email correspondence from the person who is sitting on my XXXX 3 weeks after they reversed the transaction jabbering some 20 day XXXX for per a customer agreement. I told him I AM NOT HIS CUSTOMER. I never activated the card they sent me to replace the one from the gas station. I want my XXXX NOW! and I want some action taken against these crooks. I am XXXX years old, XXXX on a fixed income and this company is a bottom feeder on people like me and people who don't have bank accounts. Usually it's because they are poor. \n\nI have subsequently closed all PayPal accounts except the last remaining until I verify the transfer of my Social Security Deposit to another institution. Where I never had a problem with paypal and have used them for 7 or 8 years, the meer fact they have brought Netspend into their business cost them their business with me. \n\nI will keep taking what ever action I have to to get my money. Now with the nation in crisis, idiot companies like this see it as an even better opportunity to steal, take, hold, money that does not and never did belong to them. \n\nSincerely, XXXX XXXX XXXX after XXXX XXXX CST attachment groups - My initial response to them when I couldn't access my Social Security in XXXX, and Netspend 's email exchange before and after I find out through XXXX  - NOT NETSPEND that they reversed the charge. \n\nIf you are unable to see the message below, click here to view. \nNetspend Email Security Information : Email : XXXX Update Card Ending : XXXX Dispute Claim Confirmation Account Number : XXXX Claim Date : XXXX XXXX CST Claim Number : XXXX Claim Amount : XXXX Dear Valued Cardholder, Thank you for reporting this transaction error. We have opened a dispute claim for you. Your claim number is XXXX and should be used for future reference. \n\nWe will begin your investigation promptly. We will attempt to complete the investigation within 10 business days ( or 20 business days if this is a new account ). If we need more time we may take up to 45 calendar days to complete the investigation. For errors involving a new account, a point-of-sale transaction, or a foreign-initiated transaction, we may take up to 90 calendar days to investigate your claim. If we determine more time is needed, we may issue a temporary credit so you have use of your funds during the investigation. \n\nIf you wish to be eligible for a provisional, or temporary, credit to your account while we complete our investigation, you will need to send us a written notice of your dispute within the next 10 business  days. The written notice should include your name, account number and claim number ; transactions you believe are in error ; and the dates when the errors occurred. If we do not receive your written notice in the next 10 business days, we are not required to provisionally credit your account while we complete our investigation. Please note that for new accounts, we have up to 20 business days to provisionally credit your account. \n\nAdditionally, you may provide other information that you think would be helpful to our investigation - such as a police report, cancelled transaction receipts, or a copy of your agreement with the merchant. The written notice and any additional information should be sent to XXXX or faxed to XXXX. Please include your claim number & account number with all correspondence. \n\nIf we do not receive the written notice or any additional information from you, we will complete our investigation with the information we have available to us. \n\nThe results of the investigation will be sent to you in writing within 3 business days of completing our investigation. \n\nThank you for your patience as we investigate your claim. \n\nIf you have additional questions, please contact the NetSpend Customer Service Department at XXXX during normal business hours. \n\nSincerely, NetSpend Dispute Resolution Department XXXX. XXXX  XXXX XXXX, TX XXXX This message was sent to you because of changes, updates, or transactional activity on your Netspend Prepaid Card Account. Netspend is required to send you such notifications regardless of your unsubscribe status. Please do not reply to this message. \nNetspend.com | Privacy Policy | Update Email To ensure inbox delivery of Netspend Card emails, add XXXX to your contacts. \n\nThe Netspend Visa Prepaid Card is issued by XXXX, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Netspend , a  XXXX XXXX , is a registered agent of XXXX  . Card may be used everywhere Visa debit cards are accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. \n\n& copy XXXX XXXX XXXX XXXX, XXXX All rights reserved worldwide. XXXX and Netspend are federally registered U.S. service marks of XXXX XXXX XXXX , XXXX All other trademarks and service marks belong to their owners. \n\nNetspend XXXX. XXXX  XXXX, XXXX, TX XXXX The letter I sent when I find out I have no money - It was emailed XX/XX/XXXX to PayPal and to Netspend : Account Number : XXXX Claim Date : XXXX XXXX CST Claim Number : XXXX Claim Amount : XXXX Inbox x XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  to disputedocuments, me Re :  Account Number : XXXX Claim Date : XXXX XXXX CST Claim Number : XXXX Claim Amount : XXXX To Whom It May Concern, This letter was just sent to PayPal and will be sent shortly to all the names listed below. \n\nHere is some VERY important information that you should take very seriously - I will be sending this same information to the folks at Netspend as well. Once I do that, I will be taking all the information surrounding the freezing of my PayPal Prepaid Mastercard Account and the other accounts affiliated with the account to : 1. Social Security Administration 2.The Consumer Finance Protection Bureau 3 . National Consumer Law Center, Washington DC 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. State of Wisconsin Office of Attorney General 7. The Department of Financial Institutions - Division of Banking Why? Because the  PayPal Prepaid Mastercard Account olds my Social Security Income and my Social Security Income is EXEMPT ACCORDING TO FEDERAL LAW FROM BEING WITHHELD, GARNISHED, LEVIED under ANY circumstances by ANYONE with the exception of the Federal Government and Child Support. Second to that is Netspend nor PayPal followed ANY of the procedures stated by law necessary before simply locking me out of any source of income whatsoever. Thirdly, Netspend 's reason for doing this is nothing more than a continuation of unethical, unprofessional and unprincipled business practices. By illegally authorizing a rental car company to force post {$1100.00} on to a prepaid debit card containing a {$500.00} balance in XXXX. A transaction I knew NOTHING about until yesterday and a transaction I never approved nor authorized. Netspend, a company becoming fastly known as disreputable, never once notified me of a 300 % overdraft on a {$500.00} prepaid debit card intended for one use. NEVER! Instead they have snuck around the last several weeks slowly cutting access off to all of my PayPal accounts, my XXXX XXXX and as of yesterday, I find my MAIN account, my Paypal Prepaid Mastercard Account LOCKED. This account receives my Social Security Deposit EVERY SINGLE MONTH! As a result of this stunt, I have NO money, my rent check bounced today, I've two bills that have already bounced with a slew more lining up. This will damage my credit. Currently I don't even have a XXXX  to go buy milk, if milk cost a XXXX. I am in need of food for my XXXX animals, medications for myself and the right to continue living like anyone else in this world does. \n\nWhy? Why would ANYONE approve a 300 % overdraft on a prepaid debit card that has been registered less than an hour. WHY? WHY would anyone approve a prepaid overdraft of that magnitude in the first place ANYWAY? WHY, WHY did Netspend not contact me immediately after the transaction occurred? WHY? Why did/does Netspend think I'm the one who is supposed to pony up to someone's authorization of such and egregious amount, not to mention action. WHY, WHY did Netspend not see red flags and fireworks or when they DID see the red flag and fireworks, protect me - ME their customer? WHY, WHY am I being chased for a transaction I did not know about much less authorize? WHY? Does the Prepaid Debit Card not have Visa 's Zero Liability Coverage? If it does, WHY is Netspend trying to get money out of me? WHY didn't Netspend reverse a charge of that magnitude IMMEDIATELY? WHY? More importantly, WHY was it let through to begin with? WHY, WHY didn't PayPal due their DUE diligence by seeing the fact my account was/is exempt from this unprofessional activity by virtue of the fact it contains GOVERNMENT BENEFITS! WHY? Doesn't anybody do their jobs anymore? WHY, WHY did neither company comply with the laws surrounding the freezing of someone's bank accounts? WHY? They had/have a legal obligation AFTER receiving a notice of garnishment ( which never existed ) or notice of Judgement from a court ( which never existed ) to provide me with the results of it's review! The law clearly states that my accounts can not be frozen without a court order. PERIOD. May I remind you here that I DID NOT HAVE A SINGLE CLUE  ANYTHING HAD OCCURRED - NOT A SINGLE CLUE SOME FOOL MANAGED TO OBTAIN {$1100.00} off a {$500.00} Prepaid Debit Card. Moreover, it was also PayPal 's job aside from informing me of some sort of court order, but the date the order was received, a brief explanation of the garnishment, an explanation of PayPal 's responsibility to protect my federal benefit payments that are direct deposited during the look back period and keep them accessible to ME. ( Yes, PAYPAL and NETSPEND need to learn a lot here! ). PayPal and Netspend, particularly PayPal was supposed to protect my account. PayPal DID NOT. I have been locked out of this account along with my PayPal accounts for some time it would appear. As far back as XX/XX/XXXX when I woke up to a strange email message that someone has cancelled their billing agreement with XXXX. It was odd and I had begun having trouble logging in to that account around the same time. Then within the last 10 days I get another strange email telling me my Prepaid MasterCard for THIS account was no good and couldn't be used in XXXX XXXX. NOW I am growing concerned over these odd occurrences. Jump forward to this weekend and everything becomes apparent starting with my intent to list auctions on XXXX - The email address I had formerly used at PayPal to get paid wasn't any good. Then I see a hold on my XXXX XXXX XXXX XXXX  XXXX PayPal account, followed by coming to this ( my PayPal Prepaid Mastercard account ) after 4 attempts to make an online purchase Friday night was declined with a XXXX balance in the account. My anxiety over this series of events started mounting. It wasn't until I spoke with PayPal yesterday, that the entirety of Netspend 's deceptive practices came to fruition. Out of know where I am told I owe Netspend 700+ dollars from another account!! I don't HAVE a Netspend Account. I ask myself how is this possible, I used a XXXX PREPAID card. \n\nAccording to Netspend 's website, and disclosure notice : 1 ) your account is LIMITED to the funds you have loaded on the card. 2 ) You may not exceed the available amount in your Card Account through and individual transaction or a series of transactions - unless WE DECIDE ( meaning you- NETSPEND ) in our sole discretion, to approve such transaction ( s ) and that is only true if you have qualified for \" Purchase Cushion Coverage ''. 3 ) If you do not have enough funds in your account you can instruct a merchant to conduct a split transaction. If you fail to inform the Merchant that you want to do this, your card is likely to be declined. 4 ) In bold letters No OVERDRAFT/Credit Feature. 5 ) If you meet our eligibility requirements, we may authorize negative balances resulting from PIN-based and signature based transaction initiated through our third party bill pay service providers ... .... you may receive only one XXXX negative balance allowance at a time.  Negative balances are approved at our discretion on a per transaction basis. We approve ... .on our authority ... ... ..if we decide, if we authorize ... ... ... That's prevalent throughout your paperwork. No Credit. No Overdrafts, Spend only what's on the card followed by any and everything happens with your approval or authorization which leaves me to ask, WHO THE XXXX THEN, AUTHORIZED AN {$1100.00} CHARGE AGAINST A {$500.00} PREPAID LESS THAN AN HOUR OLD DEBIT CARD? then did NOTHING to protect much less notify AT ANY POINT along the way, me, your customer. \n\nWhy is a prepaid debit called a PREPAID Debit card if ANY amount can be taken off it while XXXX  the individual who owned it. WHY? What is the point of the XXXX card? I intended for the card to be used ONE time and one time only. The merchant was having trouble getting her computer to accept the forms of payment and finally after much struggling said she got it through but did not get any authorization. She handed me back the card, told me the number of the debit card was on file in the system. She furthered her statement by saying she had XXXX  out the contract so the car could be re-rented however she would get in trouble for doing so but she had to clear the car for rental and things would need to be continued. She KNEW the card had a XXXX maximum limit. Unintending any further usage of the card, I had no reason to check it. I cut it up, disposed of it and did not activate the printed version of the card that came to my home. \n\nWhat concerns me all the more is Netspend blocked another card I purchased within 24 hours of my purchasing it insisting on more intensive proof I was who I said I was. It took me weeks of fighting to get my money back, and not without incurring financial problems, unpaid rent, forced to travel with no money, exacerbated health issues and countless hours of no sleep while doing just what I am doing now - fighting to not get ripped off ONCE again. Netspend, the company who put me through identity XXXX just a mere 6 weeks  ago authorized someone to come in an overdraft another card by 700 + dollars, doing nothing about it, other than 6 weeks later illegally intercepting my Social Security XXXX Income bank account, cut off any and all access I had to get any money by blocking all my paypal accounts followed by now attempting to extort the overdrafted amount THEY caused, out my my own funds. \n\nHow disgraceful is it for a corporation to have XXXX complaints registered with the XXXX XXXX XXXX over the last 3 years. How disgraceful is it for a corporation to be plastered all over the web as the only company to take great steps to fight the placement of the Consumer Financial Protection Bureau 's PrePaid Debit Card Law ( April 2017 ) designed to protect consumers from any hidden terms or overdraft fees on prepaid cards. How disgraceful are you to pay hundreds of thousands of dollars to solicit political favors from the Republican party so in term you could use them as a way of getting rid of it. Some would call that a quid-pro-quo wouldn't they. \n\nBottom line, Netspend NOR PayPal should have EVER Frozen/locked ANY of my accounts. And the process by which they chose to do so clearly violates my rights and the law. \n\nMy Social Security is protected by the Federal Government! therefore, PayPal/Netspend has until XXXX XXXX today, XX/XX/XXXX to restore complete and full access to my accounts - ALL my accounts, including access to my money or all XXXX is going to break loose because I will go to any and every source I can, any source I think may have a hand in restoring access to my GOVERNMENT PROTECTED ACCOUNTS followed by any source that will take action to stop this unprincipled behavior against any other individuals and any source that will advise and assist me in the filing of charges against Netspend and any other parties deemed involved for damages I have sustained from Netspend 's unprofessional, shady and self servicing practices since XXXX of XXXX. You should be advised that this letter will be distributed to all parties listed above, not just PayPal and Netspend and will be done almost immediately after I sign it. \n\nVery truly yours, XXXX XXXX XXXX XXXX After XXXX XXXX \n\n\nThis was also sent to the XXXX  : XXXX  Complaint Case # XXXX ( Ref # XXXX ) Inbox x XXXX XXXX XXXX   <XXXX> Tue, XX/XX/XXXX, XXXX XXXX to me Complaint ID # : XXXX Business Name : PayPal , Inc . \n\nThank you for contacting XXXX. Your complaint was received by XXXX  on XX/XX/XXXX and has been assigned case # XXXX our files. Please make a note of this number for future reference. \n\nYour complaint has been applied to the following business : PayPal , Inc . \nXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The case has been reviewed and has now been forwarded to the business for their response. This business has until XX/XX/XXXX to respond to your complaint. You may contact our office after XX/XX/XXXX to check the status of your complaint. \n\nWe encourage you to use our ONLINE COMPLAINT system to keep up with the progress of this complaint. To view the details of your case please go to the following website address : http : XXXX. \n\nSincerely, XXXX XXXX Complaint Specialist XXXX  Complaint Department This is the first response from Netspend : On XX/XX/XXXX, at XXXX XXXX, Corporate Customer Response Team <XXXX> wrote : >> >> Account Reference Number : XXXX and XXXX >> Dear XXXX, >> Hello my name is XXXX and I am part of the Presidents Corporate Response Team. I will be assisting you any concerns or questions you may have. \n\n\n>> The reason that your account is overdrawn {$730.00} is because XXXX XXXX force posted a transaction on to your account. Since the merchant has obtained your card number, the merchant can sometimes force a transaction to post ( collection ) on your account. In the event this happens, we can open a dispute or you can contact the merchant to resolve the agreed payment. \n\n\nDo keep in mind that the block has been removed from your account ( XXXX ) however, our team can potentially close all your accounts if this balance is not paid. \n\n\n>> If you have additional questions or concerns, please do not hesitate to contact me at the phone number below. \n\n\n>> Thank you, XXXX XXXX Sr. Customer Experience Analyst Netspend, a XXXX XXXX XXXX, TX Office : XXXX Hours : Monday- Tuesday : XXXXXXXX XXXX to XXXX XXXX CST Thursday- Friday : XXXX XXXX to XXXX XXXX. CST Confidentiality Notice! This electronic transmission and any attached documents or other writings are confidential and are for the sole use of the intended recipient ( s ) identified above. This message may contain  information that is privileged, confidential or otherwise protected from disclosure under applicable law. If the receiver of this information is not the intended recipient, or the employee, or agent responsible for delivering the information to the intended recipient, you are hereby notified that any use, reading, dissemination, distribution, copying or storage of this information is strictly prohibited. If you have received this information in error, please notify the sender by return email and delete the electronic transmission, including all attachments from your system. \n\nThis is the last correspondence between myself and Netspend as of today - Important Account Information XXXX  XXXX XXXX Ref. #  XXXX << Reference ID : XXXX >> Inbox x NETSPEND RIP OFF x Corporate Customer Response Team <XXXX> Wed, XX/XX/XXXX, XXXX XXXX  to me, XXXX, XXXX Dear XXXX XXXX Although I have been unable to speak with you, I wanted to follow up on your dispute claims. \n\n1. When investigating dispute claims reported by our cardholders, we adhere to the processes as defined in both Regulation E and in Netspend cardholder agreements that our customers receive when opening an account. We have reviewed your claims and have determine they are being handled correctly. \n\n2. The dispute claim XXXX was opened on XX/XX/XXXX. The claim will be updated on XX/XX/XXXX. The update timeframe for a new account is twenty business days. The letter of dispute must be received in the first ten business days for you to be eligible for provisional credit. \n\n3. The letter of dispute has been received for the claim XXXX. \n\n4. Due to the large negative balance on account XXXX, ( {$730.00} ), our Recoveries Team blocked your other Netspend accounts on XX/XX/XXXX. Those blocks were removed after you opened the dispute claim. \n\n\nIf you have any further questions or concerns, please feel free to contact me at the number below. \n\n\nThank you, XXXX XXXX XXXX Customer Experience Specialist Netspend a Global Payments Company XXXX XXXX Confidentiality Notice! This electronic transmission and any attached documents or other writings are confidential and are for the sole use of the intended recipient ( s ) identified above. This message may contain information that is privileged, confidential or otherwise protected from disclosure under applicable law. If the receiver of this information is not the intended recipient, or the employee, or agent responsible for delivering the information to the intended recipient, you are hereby notified that any use, reading, dissemination, distribution, copying or storage of this information is strictly prohibited. If you have received this information in error, please notify the sender by return email and delete the electronic transmission, including all attachments from your system. \n\n\nXXXX XXXX <XXXX> Wed, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to Corporate I received a bill from Budget to the tune of {$1100.00} with a letter stating you rescinded approval for the charge they placed on account XXXX. Where is the original {$500.00} I paid for and put on that card on XX/XX/XXXX? Why hasn't it been returned to me? XXXX XXXX letter is dated XX/XX/XXXX which means you reversed the charges prior to XX/XX/XXXX. Today is XX/XX/XXXX. Do I need to file more complaints with the XXXX  and The Consumer Financial Protection Agency, The Wisconsin Department of Agriculture, The Federal Trade Commission and the State of Wisconsin Attorney General 's Office? That money should have been returned to me immediately once you rescinded the force post XXXX did to that account without my authorization, approval or knowledge. You have until Friday to get my money returned to me or I will begin contacting all the agencies listed above. \n\nSincerely, XXXX XXXX XXXX XXXX <XXXX> Wed, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to Corporate One last thing - I do NOT have any accounts with you. I purchased 3 cards for ONE time use. I have not activated any permanent card ( s ) you sent me nor do I intend to. I have never had an account with you - I have only purchased your prepaid gift cards for a single use. Therefore please stop referring to my having an account with you like it's ongoing and we have some sort of relationship - it isn't, it never was. I have subsequently closed all my PayPal accounts except one which will also be closed once my Social Security Deposit hits my new bank accounts. Because of your business practices,  PayPal lost a customer of 8 - 10 years. I will not do business with any company associated with you in any shape or form whatsoever. Stop holding money that isn't yours to hold, at least that's what your email suggests by some claim updates by XX/XX/XXXX ... .and 20 days something or other for account holders. Let me repeat myself - I DO NOT HAVE AN ACCOUNT WITH YOU. If my money hasn't been refunded by XXXX  Thursday night, XX/XX/XXXX, I will proceed with the filing of this entire fiasco to the appropriate state and federal agencies already mentioned in my prior email. \n\nSincerely, XXXX XXXX I want my money NOW - enough of this crooked company! Someone needs to please put them out of business!. \n\nThank you, XXXX XXXX","date_sent_to_company":"2020-03-28T09:42:54.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"53214","tags":null,"has_narrative":true,"complaint_id":"3584415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2020-03-28T08:20:06.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble closing card"},"highlight":{"complaint_what_happened":["That's prevalent throughout <em>your</em> paperwork. No <em>Credit</em>. No Overdrafts, Spend only what's on the <em>card</em> followed by any and everything happens with <em>your</em> approval or authorization which leaves me to ask, WHO THE XXXX THEN, AUTHORIZED AN {$1100.00} CHARGE AGAINST A {$500.00} <em>PREPAID</em> LESS THAN AN HOUR OLD DEBIT <em>CARD</em>? then did NOTHING to protect much less notify AT ANY POINT along the way, me, <em>your</em> customer."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["Problem getting a <em>card</em> or closing an account"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"],"sub_issue":["Trouble closing <em>card</em>"]},"sort":[15.014558,"3584415"]},{"_index":"complaint-public-v1","_id":"3034583","_score":13.104144,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX my paycheck got deposited into the wrong account which is a prepaid card called XXXX. I immediately called XXXX too see how can I get my money due too I had not received my card from them. So I was advised that I can wait on my card which I wouldnt get until around XXXX or XX/XX/XXXX. I asked what other options I have and they gave me option of transferring money too a friend as well as to a bank and those options could take 24-48 hours or 1-3 business days. I explained too all representative that I needed money to pay bills and what else can be done so on XX/XX/XXXX I found a coworker who had XXXX and states she would help out so we were advised too send personal information via email so that my paycheck in the amount of {$830.00} can be sent too her card. Well I called too see if they received the information and they did. Keep in mind Im chatting with someone also and they said I can use an app called XXXX which will allow me too transfer funds from XXXX too VXXXX to have put on my debit card. So Im like ok cause Im desperate. So while on the phone with representatives I download app called Venmo and start the process as I continue Im asking representatives how it works cause I dont know anyone who has the app so she proceeds too say download on a different device and I did. So I transfer the balance of {$830.00} from myself to myself and nothing happens. The money still shows on XXXX  so I transfer the money again and nothing happens at this point XXXX has closed and Im chatting with VXXXX trying to explain what I was told too do. So they was like I was advised incorrectly and that one of the accounts had too be deleted. So the agent deleted the account so now my money is just out there so i try and transfer the money from XXXX to several debit including a XXXX prepaid card and the system keep declining so Im chatting with XXXX  too see whats going on and what card can I use to transfer funds and they say they dont know and the system automatically decline the card but gives no reason so Im asking all types of questions like if I know some with app can I send too them and they was like yea if you trust that person so I had my sister too download app and she did. I confirmed what I had into the account with agent and proceeded with my sister so she downloaded the app and requested the funds and I accepted. So when she tried to transfer funds too her debit card it wouldnt go through so she chatted and asked general questions as too why it wouldnt go through and the agent basically told her he didnt know and that she would need too use bank transfer instead so we was like maybe the amount too large so she did it in small increments and that didnt work so she transferd it all back so Im like well due {$830.00} cause thats what my check was so that was no go so she sent it back and I did a bank transfer and requested only {$830.00} too go back to XXXX  and I was advised that it would be deposited on XX/XX/XXXX so as of XX/XX/XXXX I got this email saying Hi XXXX, Your XXXX account has been suspended due to recent activity that appears to be a violation of our User Agreement. \n\nIf you would like to reactivate your account, please reply to this email with a picture of your unexpired US government issued photo identification to begin the review. \n\nAcceptable forms of ID include a drivers license, state ID card, passport, and green card. The name on your photo ID should match the name registered to your XXXX account. We require this information to ensure you are the legal account holder. \nThank you, Team XXXX So Im chatting someone asking whats going on and will I still get my money and they was like just respond too email. So I did and I sent my Id but still asking questions asking how long does this process take and I was advised 2-5 days. So at this point Im crying cause I was able too  pay credit card bills that was due XX/XX/XXXX. I went all weekend without money. I was able to pay my water bill nor was I able too pay rent on XX/XX/XXXX nor another bill. As of today I have a bill due and my {$830.00} didnt get transferred. Im lost for words for a company too do this. All I want is my {$830.00}. Im not trying to defraud anyone cause I have my own business. Please some help. Ive never experienced anything like this in my life. I dont have family that can help cause they struggling and got first of the mont bills.","date_sent_to_company":"2018-10-02T17:29:58.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"392XX","tags":null,"has_narrative":true,"complaint_id":"3034583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2018-10-02T10:34:33.000Z","state":"MS","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I dont have family that can help cause they <em>struggling</em> and got first of the mont bills."]},"sort":[13.104144,"3034583"]},{"_index":"complaint-public-v1","_id":"13694657","_score":11.858063,"_source":{"product":"Prepaid card","complaint_what_happened":"I contacted you COMERICA BANK regarding fraud and your representative refused to help me with my fraudulent charges. They are listed as follows. \n\nXXXX XXXX INTERNATIONAL PURCHASE FEE CARD NOT PRESENT -- NO FORIEGN TRANSACTIONS XXXX {$220.00} XXXX XXXX XXXX XXXX Cleared CARD NOT PRESENT -- NO FORIEGN TRANSACTIONS XXXX + {$220.00} Purchase XXXX FAKE CREDIT, CARD NOT PRESENT BUT IT SAYS PURCHASE, WAS IT INDEED A PURCHASE? \nXXXX {$220.00} XXXX XXXX XXXX XXXX XXXX CARD NOT PRESENT -- NO FORIEGN TRANSACTIONS XXXX {$9.00} INTERNATIONAL PURCHASE FEENO CARD NOT PRESENT NO FORIEGN TRANSACTIONS XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX CARD NOT PRESENT -- XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT PRESENT -- XXXX {$220.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NOT PRESENT -- XXXX {$300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX CARD NOT PRESENT -- XXXX XXXX INTERNATIONAL PURCHASE FEE XXXX XXXX CARD NOT PRESENT -- XXXX XXXX FAKE REVERSAL XXXX XXXX XXXX XXXX XXXX CARD NOT PRESENT -- XXXX XXXX FAKE CREDIT XXXX  XXXX XXXX  XXXX NOT PRESENT -- XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOT PRESENT -- XXXX {$220.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX CARD NOT PRESENT -- You, COMERICA BANK are listed on the back of the card as the issuer of the card and it says FDIC coverage is provided but yet you refused to acknowledge my account and your representative said they don't have access to transactions and only issue the card. When pushing the representative about how I could not get a human being to report the fraud the representative hung up on me. In looking up your institution its come to my attention that through several agencies that you are currently suing institutions over questionable prepaid card practices. You're aware of the situation but you continue to issue cards and are not accepting responsibility when a card holder attempts to inform you of fraudulent charges. You Comerica bank are processing transactions for Conduent. You are the FDIC insured institution so if you can't access the account information and see the transactions then you're allowing an outside company to operate as a bank. The security measures that I had in place were not followed when I initially set the card and activated it. I stated no international transaction, no card not present transactions, and no non-pin transactions. I never received a text alert for any of the transactions above. I tried contacting the XXXX department again and they are still refusing to acknowledge the card. I even had to trick Comerica 's system to even speak to a representative. When it asked for my card # to be entered, it kept throwing me out, so I called as if I wanted to set up a new account, then I finally got a human on the line. The representative REFUSED to give me her name and she stated that \" all they do is make the card ''. She said that they just issue the card and can not see the transactions. I found out however that is not true from the FTC and they are supposed to be held to the same standards as any banking institute. I was told by the representative of COMERICA Bank that I needed to contact Conduent, when I told her they don't answer their phone or have anyway to communicate with a human, she said she didn't know what to tell me and HUNG UP. She was snotty, Condescending, and VERY RUDE and dismissive, she treated me as if I was nothing. She was very upset that I had manipulated the phone tree to give me a human. The FTC says your a duly regulated financial XXXX XXXX dollar institution, and you are failing the people who are trusting you to protect our money. The State of South Dakota trusted you with my Child Support Payments. YOU : COMERICA BANK FAILED TO PROTECT MY MONEY. I am still locked out of my account. I have not been able to access my funds since XXXX of XXXX. I don't even know if I have any remaining money left. I don't know if fraud has still been facilitated on my account by your lack of integrity regarding proper account security measures. I don't know what's happened to my XXXX, XXXX, XXXX, XXXX, XXXX child Support payments. I do wonder how many people you have done this too? SHAME ON YOU COMERICA BANK!! I cried for XXXX after I got hung up on. I've been very depressed since all this has started. I feel so worthless as I'm being treated as if I'm invisible. As if I don't matter. Its been absolute XXXX, embarrassed to tell anyone in my family what's happened. I struggle everyday with extreme sadness, often crying when I come to terms and remember I really don't matter and I am invisible. I was raised I could trust a FDIC insured bank, I could trust my government to protect me. Unfortunately that's not the case. Now I don't trust anyone.","date_sent_to_company":"2025-07-23T15:43:19.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"98444","tags":"Older American","has_narrative":true,"complaint_id":"13694657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Conduent Incorporated","date_received":"2025-05-24T05:58:40.000Z","state":"WA","company_public_response":null,"sub_issue":"Trouble getting information about the card"},"highlight":{"complaint_what_happened":["I contacted you COMERICA BANK regarding fraud and <em>your</em> representative refused to help me with my fraudulent charges. They are listed as follows. \n\nXXXX XXXX INTERNATIONAL PURCHASE FEE <em>CARD</em> NOT PRESENT -- NO FORIEGN TRANSACTIONS XXXX {$220.00} XXXX XXXX XXXX XXXX Cleared <em>CARD</em> NOT PRESENT -- NO FORIEGN TRANSACTIONS XXXX + {$220.00} Purchase XXXX FAKE <em>CREDIT</em>, <em>CARD</em> NOT PRESENT BUT IT SAYS PURCHASE, WAS IT INDEED A PURCHASE?"],"product":["<em>Prepaid</em> <em>card</em>"],"issue":["Trouble using the <em>card</em>"],"sub_product":["Government benefit <em>card</em>"],"sub_issue":["Trouble getting information about the <em>card</em>"]},"sort":[11.858063,"13694657"]},{"_index":"complaint-public-v1","_id":"14643133","_score":11.621542,"_source":{"product":"Prepaid card","complaint_what_happened":"Bank of America XXXX XXXX Department RE : Request for Full Compensation for Financial Harm and DamagesAccount Freeze During Pandemic To Whom It May Concern : I am writing to formally request immediate and full compensation for the substantial financial harm and damages I have suffered as a direct result of Bank of Americas actions during the XXXX pandemic, specifically the freezing of my account and denial of access to my unemployment benefits. Between XX/XX/XXXX and XX/XX/XXXX my prepaid Bank of America debit account was unjustly frozen, preventing me from accessing critical unemployment funds that were my only means of support after the pandemic forced me, like millions of others, out of work. Despite my repeated attempts to resolve the issueincluding XXXX complaints to the Consumer Financial Protection Bureau ( CFPB ) and XXXX to the Office of the Comptroller of the Currency ( OCC ) Bank of America failed to provide any meaningful resolution, causing irreparable harm to my family and me. During this period, I was a single mother to my XXXX son and the XXXX XXXX for my mother, who was battling XXXX and sadly passed away on XX/XX/XXXX. The inability to access my own funds led to the following severe consequences : -Foreclosure and Eviction : I lost my home and was subsequently evicted.-Loss of Transportation : My vehicle, which belonged to my late mother, was repossessed.- * * Unpaid Debts : * * I was unable to pay credit card bills, a business loan, utility bills, lot rent, and housing rent.- * * Food Insecurity and Humiliation : * * I was publicly embarrassed and forced to leave a XXXX XXXX XXXX XXXX for my family.- * * Ongoing Financial Instability : * * I continue to struggle to find stable housing and rebuild my life. I have meticulously documented all financial losses, including but not limited to : foreclosure and eviction costs, moving expenses ( with receipts ), alternative shelter costs, repossession of my vehicle, late fees, penalties, and lost income opportunities. The total financial harm and damages I have suffered over the past XXXX years amount to {$330000.00}. I respectfully request that Bank of America issue a single check for the full amount of {$330000.00} to compensate for the financial harm, emotional distress, and damages caused by your institutions neglect and abusive practices. This compensation is necessary for me to attempt to salvage what remains of my life, provide for my child, and begin to rebuild after years of hardship directly caused by your actions. Please provide a written response within XXXX days of receipt of this letter. If I do not receive a satisfactory resolution, I will be compelled to pursue further legal action and continue to escalate my complaints with regulatory agencies. Thank you for your prompt attention to this urgent matter. Thank you XXXX XXXX","date_sent_to_company":"2025-07-14T21:48:36.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"287XX","tags":null,"has_narrative":true,"complaint_id":"14643133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-07-14T21:36:23.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble getting information about the card"},"highlight":{"complaint_what_happened":["-Loss of Transportation : My vehicle, which belonged to my late mother, was repossessed.- * * Unpaid Debts : * * I was unable to pay <em>credit</em> <em>card</em> bills, a business loan, utility bills, lot rent, and housing rent.- * * Food Insecurity and Humiliation : * * I was publicly embarrassed and forced to leave a XXXX XXXX XXXX XXXX for my family.- * * Ongoing Financial Instability : * * I continue to <em>struggle</em> to find stable housing and rebuild my life."],"product":["<em>Prepaid</em> <em>card</em>"],"issue":["Trouble using the <em>card</em>"],"sub_product":["Government benefit <em>card</em>"],"sub_issue":["Trouble getting information about the <em>card</em>"]},"sort":[11.621542,"14643133"]},{"_index":"complaint-public-v1","_id":"6566036","_score":11.237918,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about? \n\nPRODUCT OR SERVICE Credit card or prepaid card TYPE General-purpose credit card or charge card Inactive modal Step 2 What type of problem are you having? \n\nISSUE Getting a credit card HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes TYPE OF ISSUE Card opened as result of identity theft or fraud Step 3 What happened? \n\nSTATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Problem with a purchase shown on your statement We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT A fraudulent account was open in XXXX, with Chase Bank. I discovered this account personally, back on XX/XX/XXXX of XXXX. And there was multiple drafts : Checking account : XXXX - {$3000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$3000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1300.00} XX/XX/XXXX On XX/XX/XXXX I finally got all the information together. And I reported it to my Bank and Chase Bank, I struggled with Chase Bank for about a year. On XX/XX/XXXX they said they would reverse the charges but now they are reversing it and saying that they will not pursue me but will also not refund my money. XXXX from Fraud operations, to inform me that \" she has accepted my fraud claim on this account and that I would not be responsible for any balance, please allow 48 hours to adjust the account and call back to confirm, after I called they said they are rebilling it, and that they are reversing what she decided. '' View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE We're still working on your request and will send you a letter as soon as we complete our research. Thank you for your patience Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal. The agreement between us is that either you or we may close an account, other than a CD, at any time for any reason or no reason without prior notice. For more information, please see the Deposit Account Agreement. You were provided a copy of the agreement when you opened your account. You can see the current agreement on chase.com. We are not required to give you a reason for our decision to close the account. We are not able to reopen your account and you are not eligible for a new account. We were not able to locate a checking account ending in XXXX in your name. We have no record of claims on file for the transactions detailed in your compliant. We respectfully decline your request for reimbursement. If you would like to dispute a transaction, please call us at XXXX, or complete the claim form on chase.com. We are not able to release copies of recordings, as they are for internal use only. We suggest you work with your local law enforcement to resolve this matter. We will work with them if they contact us. We apologize for the inconvenience this has caused you. ATTACHMENTS XXXX, XXXX - Final Letter - XXXX Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS I made chase aware of the details and they have ignored and neglected the real information conveyed. This is repulsive, they need to be stopped. I plan to sue both parties for unethical operations and obstruction I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS They lied THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS They played stupid What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. Closed The CFPB has closed your complaint. Card ending in XXXX My name is XXXX XXXX, I had a chase freedom card that was paid and closed. My checking account was linked to it and when the online profile was taken over, a new application for this XXXX card ending in XXXX was opened without my knowledge or authorization. The fraudster used the linked checking from the previous valid account to make payments without my knowledge or authorization. Ive had this account already blocked by all the reporting agencies, the communication I received when I disputed this account which chase, was a determination that I was responsible for this account based on the payments completed from the linked checking account that I was the soul owner of. Its not only insulting, but criminal your team decided to neglect the previous attempts by both XXXX XXXX and myself a year ago to dispute and recover these payments, and have proceeded to Harass me for additional payments to an account I do not own, yet chase attempts to hold me responsible for based on their belief I submitted payments consciously to this fraud account, with record of the ach disputes on file with your team. Attached please find the ach disputes I filed a year ago, submitted for review again. Ive sent these documents a number of times, and its disgusting to think chase has been in business at the capacity it currently operates with such criminal neglect to the information contradicting their findings, or attempts to sue me for additional money, while you guys Hold over {$9000.00}, an amount of grand larceny, after many attempts to recover these funds. You have 7 days to get me the refund for the ach drafts completed to chase without my authorization or Im prepared to take legal action and exploit the criminal actions made by chase in this matter with knowledge/ record of correspondence to XXXXXXXX XXXX refusing to refund the ach disputes we placed, as well as all the laws and violations committed by chase under the fair credit reporting act. My cell is XXXX. Please feel free to reach out to me at any time of any day. This matter requires your immediate attention. Please do the right thing, I will not stop until you do. XXXX XXXX Ss- XXXX XXXX XXXX XXXX XXXX, NJ XXXX C- ( XXXX ) XXXX If you guys play stupid and lie to me in response, again, as XXXX did on monitored and recorded lines, Ill sue for everything I can. Ive never been so disgusted and victimized. Chase is a nightmare and must be stoped I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \n\nThe money returned as XXXX from fraud recovery promised on XX/XX/XXXX from my XXXX checking account to a fraud credit card account ending XXXX. \n10 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload. \nXXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX MB ) Step 4 What company is this complaint about? \n\nCOMPANY INFORMATION CHASE CREDIT CARD CARD NUMBER XXXX Step 5 What people are involved? \n\n\nYOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX YOUR DEMOGRAPHIC INFORMATION Age XXXX Household size including total number of adults and children XXXX About us Were the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. \n\nLearn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? \n\n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX. to XXXX XXXX XXXX, XXXX - XXXX ( except federal holidays ). \n\nMore than 180 languages available. \n\nPrivacy Act Statement OMB # XXXX Note on user experience Have a question? Preguntas? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX. to XXXX XXXX. XXXX, XXXX through XXXX ( except federal holidays ). \nMore than 180 languages available.","date_sent_to_company":"2023-02-13T19:57:52.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"078XX","tags":null,"has_narrative":true,"complaint_id":"6566036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-02-13T19:55:47.000Z","state":"NJ","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> ISSUE Problem with a purchase shown on <em>your</em> statement We received <em>your</em> complaint. Thank you. We will review <em>your</em> complaint."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> opened as result of identity theft or fraud"]},"sort":[11.237918,"6566036"]},{"_index":"complaint-public-v1","_id":"11501509","_score":10.873291,"_source":{"product":"Credit card","complaint_what_happened":"I fell behind on my Navy Federal XXXX in early XXXX. It was a new card and I hadn't had it very long. Due to a family emergency, I was unable to make my payments. \n\nXX/XX/XXXX - I transferred {$25.00} to my credit card XX/XX/XXXX - {$52.00} was auto-transferred from my checking to my XXXX. I called and was told as long as there are no arrangements on my XXXX account, auto transfers may occur. I was transferred to make arrangements. I spoke to a rep and we made arrangements to transfer {$110.00} from checking to XXXX on XXXX. He told me to call back at that time to make another arrangement. \n\nThursday, XXXX - Overnight {$110.00} was transferred per the arrangement. \n\nFriday, XX/XX/XXXX - {$110.00} was posted and {$160.00} was auto-transferred from my checking account. \n- I called in and spoke with XXXX in collections to explain what I was told by the rep on XX/XX/XXXX. He told me he could release the funds but my arrangement would have to be for the full past-due amount not just the next payment. I explained I didn't want to make a payment arrangement I couldn't keep and asked to speak to a supervisor. \n- I was then transferred to XXXX. Explained the situation to XXXX and he apologized for me being misinformed on XX/XX/XXXX. He agreed to release the funds if I agreed to speak with the Personal Finance Management department to receive help. He told me if they were unable to help me I could call back to make arrangements. I was transferred. \n- I didn't catch the lady 's name I spoke with in the Personal Finance Management department, but we were on the phone for over an hour going over my finances. They could not help me but she gave me great tips and I was confident in my ability to get back on track after speaking to her. She suggested I order prepaid cards to help me budget which I immediatily ordered when I got off the phone with her. \n- I was feeling really good about Navy Federal. Though I was barely keeping my head above water, I felt like my bank was there to help. \n\nToday, Monday, XX/XX/XXXX- I called in to speak back to collections to make an arrangement on my account to pay the past due balance by XXXX and to have the funds that were auto transferred released. As I was told to do if the Personal Finance Management Department couldn't help me. The rep made the arrangement and released the funds. \n\n- When we got off the phone, I looked at my XXXX account and saw the account was closed! I called in and was told by XXXX that it closed today, XX/XX/XXXX. In all the calls that were made XXXX mentioned I was in jeopardy of the account being closed. In all the calls on Friday nobody said to me if you don't make a payment today your account will be closed tomorrow. I spoke to 3 different people about payments and nobody cared enough about me as a person to say if I release this money back to you, your account will be closed. Nobody cared enough to say hey we need you to pay and addtional amount along with the payment we auto-tranferred or your account will be closed. Nobody gave me an opportunity to avoid this situation. I was just another call. I was barely keeping my head above water and now I'm drowning. An account closed by a financial instituation is going to be horrible on my already struggling credit but nobody cared. The only explanation given to me was that it was in my disclosures. No humanity.","date_sent_to_company":"2025-01-13T21:38:54.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"75013","tags":null,"has_narrative":true,"complaint_id":"11501509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-01-13T20:12:56.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["An account closed by a financial instituation is going to be horrible on my already <em>struggling</em> <em>credit</em> but nobody cared. The only explanation given to me was that it was in my disclosures. No humanity."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Closing <em>your</em> account"],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Company closed <em>your</em> account"]},"sort":[10.873291,"11501509"]},{"_index":"complaint-public-v1","_id":"6305825","_score":10.772957,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XXXX my child was given XXXX vanilla gift cards for her birthday. When we tried to use, one was already 'used up ' across XXXX  on various internet services. We contacted Vanilla ( Incomm ) for assistance and was told to file a complaint/refund request. We did so. We did not hear back and inquired each month for five months ( no answer ). When we finally received a photocopied form letter, it stated Incomm/Vanilla disclaim all responsibility to replace/refund b/c the card was used \" in person '' in XXXX. My child has never been to XXXX ... this was a fraudulent excuse to cheat my child out of {$50.00}. If it is happening to us... there are many more that are ripped off and struggling to get proper credit in the same way : IF YOU XXXX keywords \" Vanilla GIFT CARD FRAUD '' or INCOMM FRAUD you will be overwhelmed with reports and similar stories affecting consumers. \n\nXXXX XXXX XXXX XXXXXXXX XXXX Facing Class Action Lawsuit Over Alleged Gift Card Fraud A proposed class action alleges XXXX XXXX has failed to ensure that its gift cards are reasonably protected against tampering by third parties. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX gift cards empty, customers told nothing can be done Gift cards are always the popular go-to holiday present. Now that people are trying to use them some are saying their cards are worthless and the company that issues them won't help. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( My Experience ) What are some of the problems with the Vanilla Visa gift card? I share my experience and review of this prepaid card, along with how it compares to other cards I've tried. I also cover some common scams that target these gift cards. \nXXXX XXXX XXXX XXXX How scammers deplete XXXX gift cards before you can use them XXXX gift cards can be a popular gift for special occasions such as birthdays, graduation, or holidays, but a man in XXXX says XXXX used the cards he bought before his family could. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nAnswer ( 1 of 4 ) : Bought a {$180.00} gift card ( vanilla visa ) for my Daughter 's XXXX b-day she went to go on the site www check your vanilla gift card balance.theres a couple of the same sites she picked the 2nd site when she put in the card # s it said she entered the wrong # s so she put it in aga... \nXXXX XXXX XXXX XXXX Gift card balance drained before used, how hackers do it If the holidays treated you well then you might find yourself lucky enough to still have gift cards to use, but you might want to check the balance before going to shop. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Visa Ripped Off My Teenage Son. My son was given a {$25.00} Vanilla Visa for his birthday. When I tried to help him use it, we opened the package and immediately saw the third set of four numbers had been entirely scratched off of the card despite the fact there were no signs of tampering on the packaging. \nXXXX XXXX XXXX  XXXX Some brand new gift cards wiped out of money before theyre used, XXXX XXXX  warns XXXX XXXX learned hackers could be to blame. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I bought a vanilla gift card for XXXX and XXXX hours after buying it, when I went to use it I no longer had a dollar balance, that has happened to me several times, I recommend that you do not buy with them, you buy it and since the active one uses the money and they say it was cloned, the situation of this company is very strange, they have to investigate it XXXX","date_sent_to_company":"2022-12-11T15:18:29.000Z","issue":"Unexpected or other fees","sub_product":"General-purpose prepaid card","zip_code":"78731","tags":null,"has_narrative":true,"complaint_id":"6305825","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Incomm Holdings Inc.","date_received":"2022-12-11T15:04:56.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["If it is happening to us... there are many more that are ripped off and <em>struggling</em> to get proper <em>credit</em> in the same way : IF YOU XXXX keywords \" Vanilla GIFT <em>CARD</em> FRAUD '' or INCOMM FRAUD you will be overwhelmed with reports and similar stories affecting consumers. \n\nXXXX XXXX XXXX XXXXXXXX XXXX Facing Class Action Lawsuit Over Alleged Gift <em>Card</em> Fraud A proposed class action alleges XXXX XXXX has failed to ensure that its gift cards are reasonably protected against tampering by third parties."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"]},"sort":[10.772957,"6305825"]},{"_index":"complaint-public-v1","_id":"2875466","_score":10.085658,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I went to the PNC ATM located at : XXXX XXXX XXXX XXXX, Washington, DC XXXX around XXXXXXXX XXXX   EST. I inserted my card, punched in my pin, selected Prepaid Cash Deposit, inserted {$130.00} ( XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX- singles ). The ATM Machine counted the money, and then asked me to confirm whether {$130.00} was accurate. I pressed YES. Shortly after, it returned the whole amount, my ATM Card, and printed a slip that said to contact my Financial Institution. \nSince there are 3 ATMs in total at that location, I went to the one I have deposited funds more than 3 times in the past. I inserted my card, punched in my pin, pressed Prepaid Cash Deposit, Inserted {$130.00} ; the screen reflected \" Counting Money, '' but nothing seemed to be happening. Next thing I know, the machine returned my card, but not the funds or a receipt ; and the funds NEVER went to my account. NOTHING was credit. \nImmediately, I called the Bank. They referred me to the Dispute Dept who kept saying it would take up to 4 business days to see the funds back. Four days was WAY too long, so I called again. This time they said it would take 10 to 15  Days ( words by XXXX in TX ). I went crazy. So, I called the Police. Then I called PNC Security, the number on the door. Both the Police and Security informed to walk into the Branch the next day ( in the morning ) to resolve the issue. PNC Security said the Bank can print an activity list of that ATM and see the problem. \nThe next day, XX/XX/XXXX, at XXXX XXXX EST, I was at the branch. XXXX chose to assist me. She kept saying, \" I know how to credit an account immediately with a regular account, but not with a Smart Access Account. So, I need to call someone for help. '' XXXX XXXX took OVER 1 hour jumping hurdles, just to then say, \" I'm sorry, you have to wait 10 to 15 days .... '' for MY {$130.00} CASH that was IN THEIR ATM Machine. I told here what the PNC Security Dept said about running the report. Both XXXX and XXXX said, \" NO, it doesn't work that. We can't do that etc. '' At that point, I was furious. So, XXXX the VP of the Branch said, \" XXXX, I'll see what I can do for you. '' The ladies gathered {$9.00}, gave it to me out of the kindness of their heart. I left because I really had a XXXX XXXX. appointment to go Kayaking that had cost me money. So, I left. \nWhen I finished the event at XXXX XXXX, I called XXXX around XXXXXXXX XXXX, and she was gone for the day. Then I showed up to the bank by XXXX XXXX. because I had NOT heard from anyone. The moment I walked in, XXXX said, \" I just left you a message. '' I told her, well, my phone is dead. I haven't received anything. \nIn conclusion, I DEMANDED something in writing that reflected this incident was indeed in the DISPUTE Department ( back-end ) the way XXXX from TX ( a Supervisor in the Dispute Dept ) said it had been escalated. \nThat night, I dialed XXXX, and smoke to another woman. I shared the incident. She told me to dial another number because she couldn't transfer me. Also, due to the fact that PNC Bank refused to credit my account immediately, I had to cancel a XXXX  XXXX Reservation, cancellation # XXXX at XXXX XXXX, and ask a random stranger to \" Please allow me to shower at his place. '' XXXX - ( XXXX ) XXXX ; And I had to sleep at the XXXX XXXX XXXX another night - XXXX XXXX. All of this happened because PNC Bank REFUSED to say, \" XXXX XXXX, we are sorry this happened to you. Since the ATM Machine is  indeed PNC 's property, it's our fault this happened. We're going to go ahead and credit your account, {$130.00}. We see that you did come here. You have shown us the receipts. And we will take up to 10 days or so to conduct a detail investigation on OUR time frame. We understand how important this is and how urgent you NEED the money. '' NO, not at all. They all wanted me to just STRUGGLE. \nOn XX/XX/XXXX, at XXXX XXXX, I emailed XXXX XXXX XXXX, the CEO, and I shared with him this incident. I kindly asked him to please have the funds in the account. When I attempted to email him the images that support my story, the images all got rejected, but not the messages.\n\nAfter the XXXX XXXX XXXX XXXX I called my account around XXXX XXXX, and it still reflected {$0.00}. So, I dialed XXXX again. XXXX answered the call, who then escalated it to XXXX, who then escalated it XXXX - Retail Operation Manager in Michigan, ( XXXX ) XXXX ; and after speaking to her, she had the nerves to say, \" I'm going to ASK the Dispute Dept, via email, if we can place a rush on this case. I'll call you on Tuesday, XX/XX/XXXX, and let you know \" IF '' we can rush this. IF ... .can you believe that. I told her, \" BY law, a bank can not hold a Customer 's money. And this was CASH. What is there to investigate? Are you guys sending someone to the XXXX XXXX location to COUNT the cash in that ATM? With all sincerity, I think this was an Intellectual Property Crime ; and it's a crime to HOLD MY Money. So, now I'm filing this complaint against the bank. They are stealing from me. At this point, this is a THEFT. Their ATM TOOK MY MONEY ; and they are refusing to give it to me. So, I need your help to prevent them from doing this to me again or anyone else. A month and a half ago, their ATM Machine in XXXX County, FL ate my ATM card, but reflected the money upon making a deposit. I had to call PNC Security, the Police, Customer Service, Customer Relations ; and the following morning, they gave me a similar looking card. Now I experience this. Is my account indeed a PNC Account or a dummy account controlled by a group of thieves? Why won't PNC credit my account immediately if they have seen the cameras more than once? XXXX XXXX XXXX","date_sent_to_company":"2018-04-14T20:26:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2875466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2018-04-14T19:48:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I inserted my <em>card</em>, punched in my pin, pressed <em>Prepaid</em> Cash Deposit, Inserted {$130.00} ; the screen reflected \" Counting Money, '' but nothing seemed to be happening. Next thing I know, the machine returned my <em>card</em>, but not the funds or a receipt ; and the funds NEVER went to my account. NOTHING was <em>credit</em>. \nImmediately, I called the Bank. They referred me to the Dispute Dept who kept saying it would take up to 4 business days to see the funds back."]},"sort":[10.085658,"2875466"]},{"_index":"complaint-public-v1","_id":"6498665","_score":9.765054,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XX/XX/XXXX there was information sent to my place of work stating I that I owed Dillons # XXXX grocery store located in XXXX ks XXXX In the amount of {$1900.00} I received this information thru my work email from the XXXX department. when I seen the email send from HR I readched out to HR regarding the information about me owing XXXX grocery store. I did letting them know I didn't know where and how I could owe XXXX  its a grocery and i've shopped there, but i paid with cash or used a food stamp card or a prepaid debit card. my place of employment received on XX/XX/XXXX a paper work dated XXXX XXXX from Newman , Hesse & Associates, P.A. Attorneys At Law, s fI reached out to the Hr department asking what could I do about this because i don ; t and still dont know anything about this, I did advise HR that I do have Identity theft on my name. and how can they just garnish my check without even knowing if I have occured this amount to the this grocery store,. I then reached out the attorney thru email about this asking if i could get more information about this debt that I was suppose to have accrude, the attorney XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ks XXXX. the attorney told me that he wasnt giving me anymore information that i have been served. Inwhich I never knew anything about this until I got a email from my employer sent in a email. I have lived in XXXX since XXXX and never receieved any paper wrk from a attorney that i owed dillons store. the only paper work ive gotten from this is was i copied from the email that was sent to me thru email from my employer the letter the attorney sent to my employer. The attorney refused to give me more information besides what was sent to my employer. since then my wages have been garnished 25 % of my wages everytime i get paid. its not small amounts XXXX or more each i get pay. i wasnt event given a chance to check into this, Im a honest person and iff i have accured that amount of money to a grocery I would remember that this ws somthing from XXXX 18 years ago. ive been having my wages garnished every since, this has put me in a bad situation to im getting behind in my bill due to money being taken from me. when i didnt live in salina I never agreed to anyone to ppay nothing back. i dont even know where the charges come from .so how can anyone just take someone ; s money from them and not give them more information about. it'snot right. this attorney dont know my life, he dont know what i go thru on a daily to survive with the way things in this world is going the struggle is real i feel that my right to know or even given a chance to verify to them that i dont ow this debt to XXXX, this was never on my credit I also reached out to the XXXX  company as well and knows nothing. I dont think its right that a person and or persons can say a person owes someone money that can just take your and not give you any information, regarding that i owe money to a grocery store. i wasnt given a change to verify that i didnt make those charges.","date_sent_to_company":"2023-03-17T22:36:53.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"67203","tags":null,"has_narrative":true,"complaint_id":"6498665","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Newman, Hesse & Associates, P. A.","date_received":"2023-01-29T01:04:33.000Z","state":"KS","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I did letting them know I didn't know where and how I could owe XXXX  its a grocery and i've shopped there, but i paid with cash or used a food stamp <em>card</em> or a <em>prepaid</em> debit <em>card</em>. my place of employment received on XX/XX/XXXX a paper work dated XXXX XXXX from Newman , Hesse & Associates, P.A."]},"sort":[9.765054,"6498665"]},{"_index":"complaint-public-v1","_id":"6566203","_score":8.571766,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"STATUS Submitted to the CFPB on XX/XX/XXXX XXXX XXXX XXXX or prepaid card ISSUE Problem with a purchase shown on your statement We received your complaint. Thank you. \n\nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT A fraudulent account was open in XXXX, with Chase Bank. I discovered this account personally, back on XX/XX/XXXX of XXXX. And there was multiple drafts : Checking account : XXXX - {$3000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$3000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1300.00} XX/XX/XXXX On XX/XX/XXXX I finally got all the information together. And I reported it to my Bank and Chase Bank, I struggled with Chase Bank for about a year. On XX/XX/XXXX they said they would reverse the charges but now they are reversing it and saying that they will not pursue me but will also not refund my money. XXXX from Fraud operations, to inform me that \" she has accepted my fraud claim on this account and that I would not be responsible for any balance, please allow 48 hours to adjust the account and call back to confirm, after I called they said they are rebilling it, and that they are reversing what she decided. '' XXXX full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE We're still working on your request and will send you a letter as soon as we complete our research. Thank you for your patience Company responded XXXX XXXX responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation XXXX 's Response We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal. The agreement between us is that either you or we may close an account, other than a CD, at any time for any reason or no reason without prior notice. For more information, please see the Deposit Account Agreement. You were provided a copy of the agreement when you opened your account. You can see the current agreement on chase.com. We are not required to give you a reason for our decision to close the account. We are not able to reopen your account and you are not eligible for a new account. We were not able to locate a checking account ending in XXXX in your name. We have no record of claims on file for the transactions detailed in your compliant. We respectfully decline your request for reimbursement. If you would like to dispute a transaction, please call us at XXXX, or complete the claim form on chase.com. We are not able to release copies of recordings, as they are for internal use only. We suggest you work with your local law enforcement to resolve this matter. We will work with them if they contact us. We apologize for the inconvenience this has caused you. \nATTACHMENTS XXXX, XXXX - Final Letter - XXXX Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS I made chase aware of the details and they have ignored and neglected the real information conveyed. This is repulsive, they need to be stopped. I plan to sue both parties for unethical operations and obstruction I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS They lied THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS They played XXXX What happens now? \n\nThe complaint process is complete and your complaint is now closed. \n\nWe have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. \nYour feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. \nWe have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. \nWe appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. \n\nClosed The CFPB has closed your XXXX ending in XXXX My name is XXXX XXXX, I had a XXXX XXXX card that was paid and closed. My checking account was linked to it and when the online profile was taken over, a new application for this XXXX XXXX ending in XXXX was opened without my knowledge or authorization. The fraudster used the linked checking from the previous valid account to make payments without my knowledge or authorization. Ive had this account already blocked by all the reporting agencies, the communication I received when I disputed this account which chase, was a determination that I was responsible for this account based on the payments completed from the linked checking account that I was the soul owner of. Its not only XXXX, but criminal your team decided to neglect the previous attempts by both XXXX XXXX and myself a year ago to dispute and recover these payments, and have proceeded to Harass me for additional payments to an account I do not own, yet chase attempts to hold me responsible for based on their belief I submitted payments consciously to this fraud account, with record of the ach disputes on file with your team. Attached please find the ach disputes I filed a year ago, submitted for review again. Ive sent these documents a number of times, and its XXXX to think chase has been in business at the capacity it currently operates with such criminal neglect to the information contradicting their findings, or attempts to sue me for additional money, while you guys Hold over {$9000.00}, an amount of grand larceny, after many attempts to recover these funds. You have 7 days to get me the refund for the ach drafts completed to chase without my authorization or Im prepared to take legal action and exploit the criminal actions made by chase in this matter with knowledge/ record of correspondence to XXXX XXXX refusing to refund the ach disputes we placed, as well as all the laws and violations committed by chase under the fair credit reporting act. My cell is XXXX. Please feel free to reach out to me at any time of any day. This matter requires your immediate attention. Please do the right thing, I will not stop until you do. \n\nXXXX XXXX Ss- XXXX XXXX XXXX XXXX XXXX, NJ XXXX C- ( XXXX ) XXXX If you guys play XXXX and XXXX to me in response, again, as XXXX did on monitored and recorded lines, Ill sue for everything I can. Ive never been so disgusted and victimized. Chase is a nightmare and must be stoped","date_sent_to_company":"2023-02-13T19:50:03.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"078XX","tags":null,"has_narrative":true,"complaint_id":"6566203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-02-13T19:14:00.000Z","state":"NJ","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["STATUS Submitted to the CFPB on XX/XX/XXXX XXXX XXXX XXXX or <em>prepaid</em> <em>card</em> ISSUE Problem with a purchase shown on <em>your</em> statement We received <em>your</em> complaint. Thank you. \n\nWe will review <em>your</em> complaint."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> opened as result of identity theft or fraud"]},"sort":[8.571766,"6566203"]},{"_index":"complaint-public-v1","_id":"8260281","_score":5.437668,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ND   XXXXXXXX XXXXXXXX\nXXXX  \nConsumer Financial Protection Bureau:\n\nI sent information about my poor and unhealthy hotel stay via the XXXX XXXX, see below for complete chat, to XXXX which is a part of XXXX, while I was surviving in the room at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. It was charged to an American Express card of mine. The amount of the charge is XXXX\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \nI opened up a dispute with American Express in XXXX XXXX, after getting back to the United States and organizing my post trip. I submitted XXXX documents to American Express dispute, and they ended up in a XXXX  dispute office or file and were not effectively pursued.  Since XXXX of XXXX is in XXXX and the American Express dispute department is in the XXXXXXXX, favoritism against me, the consumer, likely took place. The above entries from my American Express statement show a XXXX charge, credit, and charge, indicating the dispute failed with the American Express XXXX dispute department. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\n***************************************************************************************************\n\n\n American Express reopened the dispute of charges foXXXX XXXX ID XXXX\n\nThe additional information submitted includes that no manager was ever available during my stay to address concerns of:\nno business computer terminal online service working, cracked toilet mounting in room XXXX, improper flushing of toilet in room XXXX, bedbugs in rooms XXXX and XXXX, unhealthy conditions of beg bugs in my rooms, and one bug in my orange juice at the hotel's breakfast the last day.\nI did finally get moved to room XXXX by a desk clerk the last day or two of my stay. I asked for a main floor room and was moved a few doors down to room XXXX.  Perhaps the XXXX XXXX of this hotel has bed bug problems. In room XXXX I encountered a big bed bug, the size of my fingernail, my last night, which startled me with its size and shadow when it flew down and was projected from the light above the bed.  I showed XXXX, the front desk clerk on duty aXXXX XXXX XXXX, this large bed bug, which I killed on the bed sheet. He stated the cleaning people needed to do a better job.  The large bed bug landed in my travel bag and then flew onto my bed sheet when I checked my travel bag, where I killed it with a water bottle used as a swatter. I was traumatized by the entire negative bed bug experience.  The bed bug was in my bag and was destined to travel my home.  I was able to kill it in the hotel room, but I was traumatized.  I did not find any bugs in my bag or belonging when I arrived home on XXXX XXXX XXXX, but I was anxious about this situation with my spouse. This caused more personal XXXX  \nThe below attached documentation cites some of the severe problems XXXX has with policies, including controversial no refund policies, relations with hotels, and administration. XXXX  was not even able to contact XXXXXXXX XXXX ID XXXX, by telephone after I reported and communicated at length all my problems on the XXXX app, which is in the documents I already submitted.  These problems included the extremely unhealthy conditions of bed bugs in my rooms, on the XXXX app. XXXX did admit to the severity of the problems by offering XXXX cash, approximately XXXX, equal to XXXX  in payment for my inconvenience.  The hotel bill was XXXX so XXXX  XXXX  bucks, which is equal to XXXX, is a low reimbursement amount. XXXX did not address health conditions in their pre-programed reimbursement offer.  Pre-programed virtual assistant communication is not concerned and responsible customer service.  A XXXX out of XXXX  inconvenience offer is irresponsible and unethical management of an overall bad and bodily unhealthy situation. I ask for full reimbursement, since this was a trying, traumatic, and scary experience.\n\n\n***************************************************************************************************\n\n\nXXXX XXXX\n \nFrom:\nXXXX\nTo:\nXXXX\n, XXXX XXXX\n,\nAmerican Express\n,\nAmerican Express\n\n\nMon, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID: XXXX\n\n Paid\n\nBooking details \n\nXXXX XXXX\nYour booking is already confirmed. For more information or to make changes, please select from the options below.\n\nXXXX XXXX\nWhat can I help you with today?\n\n\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ID: XXXX  \n Paid\n\nBooking details \n\nXXXX XXXX  Your booking is already confirmed. For more information or to make changes, please select from the options below. XXXX XXXX\nWhat can I help you with today? XXXX XXXX\nProperty related questions\nXXXX XXXX  What's your question? You can ask property related questions like \"Does this property have a pool?\" Or you can try keywords like \"Pool.\"\n\nI am still learning, so if I can't help you I will try to redirect you to additional resources.\n\nXXXX XXXXInline image\nneed a shuttle ride from airport'\nXXXX XXXX  Property address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  transfer service is provided at XXXX XXXX XXXX XXXX\n\nTo view the property's page, click here\n\nDoes this answer your question? XXXX XXXX XXXX XXXX XXXX\nI'm sorry I could not answer your question.\n\nFor further questions about amenities available with your booking or any special requests, you can click the link below to message the property directly.\n\nMessage the property\n\nAlternatively, you can view and manage your booking by clicking here.\n\nWhat would you like to do next?\n\nXXXX XXXX\nTry again\nXXXX XXXX  What's your question? You can ask property related questions like \"Does this property have a pool?\" Or you can try keywords like \"Pool.\"\n\nI am still learning, so if I can't help you I will try to redirect you to additional resources.\n\n\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \nBooking IDXXXX XXXX  \n Paid\n\nBooking details \n\nXXXX XXXX\nYour booking is already confirmed. For more information or to make changes, please select from the options belowXXXX XXXX XXXX\nWhat can I help you with today? XXXXXXXX XXXX  Special request XXXX XXXX  Please note that XXXX  does not guarantee special requests, which are subject to hotel availability.\n\nYou can contact XXXX XXXX XXXX XXXX directly and they may be able to better assist you.\n\nThese were the Special requests made at the time of booking:\n\n Non smoking Room\n\n Large Bed\n\nTo add Special Requests, Click here.\n\nTo follow up on previous requests or messages to XXXX XXXX XXXX XXXX,  Click here.\n\nDo you need any additional help with this booking?\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \nBooking ID: XXXX  \n Paid\n\nBooking details XXXX XXXX  Your booking is already confirmed. For more information or to make changes, please select from the options below. XXXX XXXX\nWhat can I help you with today?\n\nXXXX XXXX\nPlease note that XXXX  does not guarantee special requests, which are subject to hotel availability.\n\nYou can contact XXXX XXXX XXXX XXXX directly and they may be able to better assist you.\n\nThese were the Special requests made at the time of booking:\n\n Non smoking Room\n\n Large Bed\n\nTo add Special Requests, Click here.\n\nTo follow up on previous requests or messages to XXXX XXXX XXXX XXXX  Click here.\n\nDo you need any additional help with this booking?\n\nXXXX XXXX\nSpecial request XXXX XXXX\nAirport Transfer\nXXXX XXXX  Please note that XXXX  does not guarantee special requests, which are subject to hotel availability.\n\nYou can contact XXXX XXXX XXXX XXXX  directly and they may be able to better assist you.\n\nThe hotel provides transport to/from the airport.\n\nDo you need any additional help with this booking?\n\nXXXX XXXX\nXXXX XXXX XXXX\nLets reach out to our Customer Service team so they can help you directly.\n\nHow would you like to contact support? XXXX XXXX\nLeave a message\nXXXX XXXX\nTo begin, please describe your request below.\n\nPlease be aware that it may take up to XXXX  hour for an agent to respond.\n\nXXXX XXXX  On Monday XXXX XXXX I arrived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Hello, my name is XXXX XXXX and I am here to assist you.\n\nPlease give me some time to review your booking details and inquiry, which may take between 10 to 30 minutes. Thank you for your patience. XXXX XXXX\nNo\nXXXX XXXX  I will add to my comments with problems I have.\nXXXX XXXX\nWe are sorry to hear that you have experienced some issues with your booking. No worries; I'll be more than happy to check that for you. However, I'm just going to need some more information so I have a complete picture of your needs. Can you please tell me? XXXX XXXX  On XXXX XXXX when I arrived at XXXX XXXX  I had no information about the XXXX  shuttle and where to find it. I requested this information on the XXXX website days before I departed for XXXX I found a XXXX XXXX XXXX Map and XXXX was not on the map. I was delayed several hours because of this and XXXX XXXX XXXX with much research and work involved. XXXX XXXX\nNow the room problems and more shuttle problems\nXXXX XXXX\nWe genuinely appreciate the time you took to let us know about this. We always strive to provide superior service, and your customer comments are the very best way for us to keep an ear to the ground. After reading the details of your experience, we can only imagine the distress you faced at the hotel. These precautions will ensure that such errors will not happen again in the future.\n\n \n\nCan I ask if you are currently at the hotel right now? Did you still utilized the booking?\n\n1XXXX XXXX\nThe telephone does not work and the toilet does not flush poop! Yes poop stays afloat on the toilet bowl! These were reported right upon arrival on Monday XXXX XXXX. I also reported by email two times to the hotel the business desk internet computer did not work. I was told to use my phone. I said my phone is not made for use as a computer terminal. XXXX ignored me. Wednesday XXXX XXXX  the shuttle was down because of no driver at XXXX XXXX  and an XXXX  had to be called. Four hours later I tried to catch the XXXX shuttle at XXXX XXXX and the shuttle went around an outside fence at gate XXXX XXXX feet away from people and me. He sped that far away and did not look for people who needed his shuttle, me!\nXXXX XXXX\nI will continue: Half an hour later I spotted the Geographotel again. He sped on the outside of XXXX gates again and I barely could noticed he stopped at gate XXXX 150 ft ahead. The XXXXl van was pinned behind a bus and vehicles to the side so I had time to run and catch it and knock on his window. The driver said get in. I waited and struggled for more tan an hour to get this ride. On Thursday XXXX XXXX  three XXXX people, the desk person, an assistant from the office, and a supposed manager were inconsiderate to me about breakfast. I thought breakfast was paid in my XXXX XXXXdvance payment, but the desk person, a white man, bullied me about it.\nXXXX XXXX\nAgain, we are sorry for the inconvenience and frustration that you have experienced. No worries; I'll do my best to help you. But do you mind letting us know your specific request so that we can inform the hotel and provide the correct solution to your concern? XXXX XXXX\nI have the Shuttle map with XXXXXXXX  not included, the Bus ticket needed on Monday XXXX XXXX  and pictures of toilet problems and phone. Please take care these problems through discreet contact with XXXX XXXX XXXX  I will be in contact with you and credit card company advising of the noncompliant and less than honest situation at Geographotel!\nXXXX XXXX\nPlease respond As Soon As Possible because of this continuing difficult situation! XXXX XXXX XXXX XXXX XXXX  ID USD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX time\nXXXX XXXX  Please get the Business Desk computer internet fixed so I and others can use it, include breakfast with what I prepaid, get a better room with phone working and toilet flush working to take care of poop being flushed properly, refund XXXX XXXX Bus fare, and apologetic for bullying!\nXXXX XXXX  Thank you for patiently waiting. I have tried to contact the hotel, but we cannot reach them. No worries; I will check the other solutions that we can provide here on our end. XXXX XXXX\nI just need the supporting document such as pictures or any proof that shows the bad conditions of your room. I will forward it to our relevant team for review.\n\n \n\nTo learn about our privacy practices with any documents you send, please see our Privacy Policy: httpsXXXX XXXX XXXX XXXX  Not answering the telephone is consistent with Geographotels mode of operating, three aspects of which are not answering, non-positive communication, avoidance, bullying. I tried to call them several times on Monday XXXX XXXX XXXX for a shuttle ride from the airport. No answer several times! Twice I called with XXXX XXXX  Novotel desk attendant assistance. There was a recording answer, someone to assist soon recording said, and then termination of call after about 1-2 minutes of hold prompts!\nXXXX XXXX\nI will email pictures. What is the email address to which you wish to have them sent?\nXXXX XXXX\nEmail address for pictures?\nXXXX XXXX  I am still here at XXXX XXXXXXXX XXXX\nKindly send the pictures or any proof here showing the bad condition of the hotel, or you can also send it to our email address, XXXX XXXX XXXX\nWhere do you want pictures sent?\n1XXXX XXXX\nSend pictures of phone, toilet, shuttle map, Bus ticket where?\nXXXX XXXX\nAlso closed toilet near front deskXXXX XXXX XXXX XXXX XXXX XXXX\nWhere do I email pictures of Geographotel which a previous Agent requested under an hour ago?\nXXXX XXXX\nYou can send the supporting documents here in our message so that we can check.\n\nXXXX XXXX  got email address\nXXXX XXXX\nThank you! Sent pictures. XXXX XXXX\nStill at XXXX XXXX XXXX\nHi, XXXXXXXX XXXX XXXX Thank you for reaching out.\n\n \n\nThe email you sent was assigned to another agent, and she is actively handling your case at the moment. Kindly wait for here to get back to you via email as well. As such, this conversation will be closed for now to avoid duplicate case handling. XXXX XXXX\nThank you for contacting us! Please do not hesitate to resume the conversation if you need anything elseXXXX XXXX XXXX  Main Menu XXXX XXXX  Hello, my name is XXXX  and I am here to assist you.\n\nPlease give me some time to review your booking details and inquiry, which may take between 10 to 30 minutes. Thank you for your patience.\n\nXXXX XXXX  Help with another booking\nXXXX XXXX  I found bed bugs on my bed at XXXX  and\nXXXX XXXX  We understand your situation and apologize for the slow response, as we are currently experiencing high traffic. Not to worry, you've reached me, and I'm here to help you at my level best.\n\nXXXX XXXX XXXX XXXX today. I emailed pictures of bed bugs to XXXX XXXX XXXX\nHello sir. Can you verify the booking ID. Thank you.\n\nXXXX XXXX\nThis hotel situation is escalating and I do not know who to trust here at XXXX Please hurry your assistance! XXXX XXXX  Yes, XXXX, XXXX XXXX XXXX XXXX XXXX\nemail: XXXX  XXXX XXXX\nalso using email XXXX XXXX my phone!\nXXXX XXXX\nI'm really sorry to hear about the issues you're experiencing at the hotel, including bed bugs and broken appliances. This is certainly not the experience we want for our customers and I understand how frustrating and uncomfortable this must be for you.\n\n \n\nPlease be assured that we take your concerns very seriously. We will immediately contact the hotel management to address these issues and seek a resolution. This could include moving you to a different room, or if necessary, a different hotel.\n\n \n\nI truly appreciate your patience and understanding in this matter. We will do our best to resolve this situation as quickly as possible to ensure your comfort and satisfaction. If you have any other concerns or need further assistance, please don't hesitate to let me know. I'm here to help you. XXXX XXXX\nCan you verify your specific request for your booking so that we can raise it directly with the hotel?\n\nXXXX XXXX  Hello sir XXXX are you still there? XXXX XXXX  I'm really sorry to hear about the issues you're experiencing at the hotel. I understand how frustrating and uncomfortable this must be for you.\n\n \n\nWe have been trying to reach the hotel to address your concerns, but unfortunately, we have not been able to get in touch with them yet. Please be assured that we are doing our best to reach them as soon as possible to resolve the issues you're facing.\n\n \n\nIn the meantime, I would recommend speaking directly with the hotel's front desk or management about your concerns. They may be able to provide immediate assistance.\n\n \n\nI truly appreciate your patience and understanding in this matter. If you have any other concerns or need further assistance, please don't hesitate to let me know. I'm here to help you.\n\nXXXX XXXX\nI spoke with the front desk many times over the past few days XXXX  at the front desk the first two days was concerned, but had no authority to do somethings about the internet computer terminal. An older man took over for him on Wednesday and he has been hell to talk to. He will do nothing about the internet computer terminal and is closed minded about other issues. He and others act dumb about who is manager when asked. Since the same man has been there for two days and is unresponsive, I do not have trust enough to talk to anyone about getting something done abou problems I bring to their attention. Now the bed bud problem! And you, the powerful Agent, cannot even contact them!\nXXXX XXXX  Hello, my name is XXXX XXXX, and I am here to assist you.\n\n \n\nPlease give me some time to review your booking details and inquiry, which may take between 10 to 30 minutes. Thank you for your patience.\n\n \n\nXXXX XXXX  Yes, please XXXX XXXX\nbed bud means bed bug problem!\nXXXX XXXX\nThank you for waiting and we do apologize on the slow response as we are currently experiencing high traffic. I have reviewed your booking ID XXXX at XXXX XXXX XXXX XXXX\n\n \n\nWe're sorry to hear that you encounter issues with your stay due to computer/signal/internet issues plus the bed bugs. Not to worry, you have me on the other line and I'll help you with your concern by reviewing your reservation. Please stay tuned for few minutes for this. XXXX XXXX  Regarding your concern, please be advised that we've been trying to coordinate with the hotel but we are not getting any definite answer from them regarding your concern over the phone.\n\n \n\nWe'll be sending them an email, as per their request, so they can check and help you with your concern.\n\n \n\nAs a gesture of goodwill, we are offering you a compensation of USD XXXX credited to your account as XXXX Please note, this is the maximum amount we are capable of offering.\n\n \n\nThis XXXX  can be used for any pay-to-XXXX  type of bookings and is valid for 6 months.\n\n \n\nPlease note that XXXX may not be used on bookings that say No credit card required, Tax receipt available, or Pay at the hotel.\n\n \n\nKindly let us know if you accept our offer, and we will issue the XXXX  to your account. Thank you so much for your patience and understandingXXXX XXXX XXXX\nThis is an awkward situation at XXXX XXXX XXXX  is on low side considering what Ive been through. XXXX XXXX\nWhat about credit card company remediation? XXXX XXXX\nHello, my name is XXXX and I am here to assist you.\n\n \n\nPlease give me some time to review your booking details and inquiry, which may take between 10 to 30 minutes. Thank you for your patience. XXXX XXXX  I have reviewed your booking ID XXXX at XXXX XXXX XXXX XXXX. . I am sorry to hear about your situation and I am sorry on the behalf of the property. As of now, we are still checking with the property regarding the refund/compensation from the property's end\n\n \n\nFrom XXXX end we would like to offer you a compensation of USD XXXX, credited to your account as XXXX. Kindly note this is the maximum amount we are capable of offering and as we are also in the middle for awaiting the property's response.\n\n \n\nPlease acknowledge this offer so we may proceed to issue the XXXX immediately to your account. XXXX XXXX\nNo agreement to compensation for an inferior hotel.I reported the bed bug problem to a different front desk person 4-5 hours ago. about XXXX XXXX XXXX XXXX XXXX He said he could give me different sheets. I spread a sheet he gave me out, and 4-5 hours later there is a bed bug mark on it! I inspected the bed more and found many more extensive bed bug marks! This is against laws to rent bed bug rooms!\nXXXX XXXX\nHi there! My name is XXXX and I'm here to help.\n\n \n\nI have reviewed your case regarding booking ID XXXX XXXX XXXX XXXX XXXX XXXX  and I see that you would like to complain about the room which you received from the property, which has a lot of bed bugs.\n\n \n\nThank you for bringing this to our attention. Not to worry; you have me on the other line, and I'll do my best to help you out.\n\nXXXX XXXX\nPlease, a full refund is in order! XXXX XXXX\nThank you for your concern, it is merited. An awes XXXX XXXX  a gross situation\nXXXX XXXX  I'm truly sorry to hear about the issue you're facing. This is certainly not the experience we want our guests to have. Your comfort and safety are our top priorities, and it's clear we've fallen short in this instance. Please accept our sincere apologies for this unfortunate situation. We appreciate your understanding and patience as we work to resolve this issue promptly.\n\n \n\nWe will request to the property a waiver of the cancellation fee on the reservation. Kindly allow me 1020 minutes to contact the hotel for you.\n\nXXXX XXXX\nI cannot believe this happened to me XXXX XXXX\nWe truly understand the frustration that you felt about what happened on the reservation.\n\nXXXX XXXX  The hotel would assign me a bed bug infested room. Its a crime!\nXXXX XXXX\nThat the hotel would stoop to such a low level! XXXX XXXX\nThank you for your patience. I already contacted the booking partner, and they informed us to send them an email for the cancellation fee waiver.\n\n \n\nRest assured that once we have approval from the booking partner that they are waiving the cancellation fee, we will go ahead and cancel the reservation free of charge and notify you via email.\n\nXXXX XXXX\nThe hotel betrayed a customer and you the Agent\nXXXX XXXX\nOnce we received the response from the hotel that they were allowing us to cancel the reservation free of charge, We will cancel the reservation right away and notify you via email. XXXX XXXX\nFull refund please. I am just aghast this happened. I am an emotional wreck.\nXXXX XXXX  I'm truly sorry to hear about your distressing experience. Please accept my deepest apologies for the inconvenience you've faced. I understand how upsetting this must be for you. We value your feedback and will take necessary steps to prevent such incidents in the future.\n\nXXXX XXXX\nMy wife will be paranoid about me bringing home bed bugs. Sad situation XXXX XXXX  Kindly wait for the hotel response within 24-48 hours. XXXX XXXX\nI was moved to XXXX XXXX from XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, after showing the Manager/Owner the room with bed bug evidence after much convincing about bed bugs and other many hour wait for concern and limited action from the hotel, XXXX XXXXXXXX XXXX Within 12 hours I found a large bed bug in XXXX XXXX Gross! I have a picture of this large bed bug to send to XXXX XXXX XXXX  Hello XXXX XXXX XXXX my name is XXXX, and I will be further assisting you today with the issue in the room.\n\n \n\nI am sorry to know that your stay got ruined due to bedbugs.\n\n \n\nThnk you letting us know that your travel plans turn out this way.\n\n \n\nThis must be very upsetting for you, and we can understand why you are feeling this way.\n\n \n\nWe can assure you that we will do our best to help you make your travel experience better.\n\n \n\nLet me check for an update. XXXX XXXX\nPlease coordinate with parties involved full refund! Credit card company legal department is party to this problem.\nXXXX XXXX\nI understand how you feel, we know how important this reservation is for you.\n\n \n\nAs per checking, this case has been escalated and offered you the compensation amount of USD XXXX XXXX XXXX\nI have another bug problem here, a bug in my orange juice at XXXX XXXX! Picture already sent. XXXX XXXX  I understand your concern, and as per checking, it has already been raised with the relevant team.\n\n \n\nWe are sorry, but we are tied up with the decision, and that is the full amount that we can offer in this case.\n\n1XXXX XXXX\nThanks for getting in touch with us today. If you have any questions later, you can reach us at httpsXXXX We are always here to help. XXXX XXXX\nMain Menu\nXXXX XXXX\nHello, my name is XXXX and I am here to assist you.\n\nPlease give me some time to review your booking details and inquiry, which may take between 10 to 30 minutes. Thank you for your patience.\n\nXXXX XXXX\nMain Menu\nXXXX XXXX XXXX XXXX XXXX\nHelp with another booking XXXX XXXX  Hi XXXX XXXX XXXX, I have reviewed your case regarding booking ID XXXX  at XXXX XXXX XXXX XXXX\n\n \n\nWere happy to assist with your issue, but well need some help from you. Providing complete information will allow us to assist you faster.\n\n \n\nDo you mind letting us know how we can assist you today?","date_sent_to_company":"2024-01-31T20:55:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"58701","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"8260281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-01-31T19:53:02.000Z","state":"ND","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Please note that XXXX may not be used on bookings that say No <em>credit</em> <em>card</em> required, Tax receipt available, or Pay at the hotel.\n\n \n\nKindly let us know if you accept our offer, and we will issue the XXXX  to <em>your</em> account. Thank you so much for <em>your</em> patience and understandingXXXX XXXX XXXX\nThis is an awkward situation at XXXX XXXX XXXX  is on low side considering what Ive been through. XXXX XXXX\nWhat about <em>credit</em> <em>card</em> company remediation?"],"product":["<em>Credit</em> <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> 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 <em>your</em> statement"]},"sort":[5.437668,"8260281"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":14,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":14}]}},"product":{"doc_count":14,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card or prepaid card","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":3},{"key":"General-purpose prepaid 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