{"took":741,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":48,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11465692","_score":18.7588,"_source":{"product":"Prepaid card","complaint_what_happened":"Over the holiday season in XX/XX/year>, a family member gifted me a prepaid Amex gift card with a total of {$500.00}. I was waiting to use this card for the right purchase and finally attempted to use it that following XXXX at a guitar store in my XXXX  town ( XXXX XXXX XXXX ). The total for the electric guitar was in the $ XXXX but upon checkout, the card would not go through. The cashier tried several more times, thinking it could be an issue with the zip code. As this was my first time trying to use an Amex prepaid card ( I have been gifted XXXX gift cards before ), I tried giving them the Amex headquarters zip code and the zip code where it was purchased. The card still did not work. In the beginning of XXXX, I also tried to use this gift card to make a purchase online with the company XXXX. The representative processing my payment over the phone also had trouble with my prepaid card. This time, I was attempting to make a split payment, but he was nice enough to find me a discount so that the total amount was less than {$500.00}. Even then, my prepaid card failed to go through, this time due to an issue with the security code. I called Amex at their 24-hour customer service line and was connected with an agent. He was incredibly unhelpful and stated that the card doesn't work online sometimes but never offered a solution, guidance, credit or refund.","date_sent_to_company":"2025-01-10T22:44:39.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"015XX","tags":null,"has_narrative":true,"complaint_id":"11465692","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-01-10T21:23:18.000Z","state":"MA","company_public_response":null,"sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["As this was my first time trying to use an Amex <em>prepaid</em> <em>card</em> ( I have been gifted XXXX gift cards before ), I tried giving them the Amex headquarters zip code and the zip code where it was purchased. The <em>card</em> still did not work. In the beginning of XXXX, I also tried to use this gift <em>card</em> to make a purchase online with the company XXXX. The representative processing my payment over the phone also had <em>trouble</em> with my <em>prepaid</em> <em>card</em>."],"product":["<em>Prepaid</em> <em>card</em>"],"issue":["<em>Trouble</em> using the <em>card</em>"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"],"sub_issue":["<em>Trouble</em> using the <em>card</em> to spend money in a store or online"]},"sort":[18.7588,"11465692"]},{"_index":"complaint-public-v1","_id":"2557864","_score":18.036303,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received my western union prepaid card in the mail but have had trouble activating over the automated system, online and over the phone. My online access was activated but now it is locked. In an email from the company I was informed that my account is on a temporary hold and my concerns can not be resolved through email. However, my activation and concerns can not be resolved over the phone. The representatives stated twice that I am ineligible yet the card does not require a credit check and I have the card in my possession.","date_sent_to_company":"2017-07-03T14:49:28.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"21218","tags":null,"has_narrative":true,"complaint_id":"2557864","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2017-06-24T13:30:45.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble getting information about the card"},"highlight":{"complaint_what_happened":["The representatives stated twice that I am ineligible yet the <em>card</em> does not require a <em>credit</em> check and I have the <em>card</em> in my possession."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["<em>Trouble</em> using the <em>card</em>"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"],"sub_issue":["<em>Trouble</em> getting information about the <em>card</em>"]},"sort":[18.036303,"2557864"]},{"_index":"complaint-public-v1","_id":"14317999","_score":17.442122,"_source":{"product":"Debt collection","complaint_what_happened":"Back in early XXXX I was having trouble with fraud and identify theft that started around the pandemic. I went to XXXX and bought a {$40.00} XXXX prepaid phone and phone card. I had multiple issues and only used the phone for about a month or two and showed New Mexico State Police Problems I was having with phone and was advised to throw phone away since it was a prepaid burner phone. I also spoke with associate at XXXX store on XXXX at the time but they were unable to fix problems I was having so phone was disposed of. There was no phone contract as it was a prepaid, service that required purchase of data and cellular plan monthly. I spoke to XXXX XXXX at the number on my credit report back in or around XX/XX/year> and they transferred me to the prepaid number who stated this issue would be resolved yet it remains on my credit. This morning I contacted XXXXXXXX XXXX at the phone number XXXX and provided them with the reference number XXXX and spoke with a female by them name of XXXX. She asked for further information such as account number and phone number. I informed her I did not recall phone number and credit report did not provide an account number and I have never received any correspondence for this issue. She stated without either she could not help me. I then notified XXXX  once again.","date_sent_to_company":"2025-06-30T14:09:14.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"88001","tags":null,"has_narrative":true,"complaint_id":"14317999","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-06-26T14:08:42.000Z","state":"NM","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Back in early XXXX I was having <em>trouble</em> with fraud and identify theft that started around the pandemic. I went to XXXX and bought a {$40.00} XXXX <em>prepaid</em> phone and phone <em>card</em>. I had multiple issues and only used the phone for about a month or two and showed New Mexico State Police Problems I was having with phone and was advised to throw phone away since it was a <em>prepaid</em> burner phone."]},"sort":[17.442122,"14317999"]},{"_index":"complaint-public-v1","_id":"3204729","_score":17.413357,"_source":{"product":"Debt collection","complaint_what_happened":"In XX/XX/2016 I went to XXXX store with an unlocked XXXX cell that I owned, the phone didn't have a balance on it & wasn't connected to any XXXX account. I requested prepaid cell service for the phone. The XXXX associate told me prepaid service was available. I asked repeatedly if it was a contract, the representative assured me it was a XXXX prepaid cell service. This cell phone service was intended for my teenage daughter. I asked the XXXX associate \" If, for example, I were to not pay for an upcoming month of service due to my daughter had got in trouble & her phone was to be taken away as a punishment, will there be a charge for that? '' I was told \" No, there would be no charge ''. I then asked \" When my daughter is free from her punishment, do I just need to go buy a XXXX prepaid refill card to restart her cell service? '' I was told \" Yes, that is correct ''. I was then asked if I wanted insurance on the cell phone, I denied the insurance coverage. Before I left the store I paid for a cell phone charger, 2 months of \" prepaid cell phone service '' & the phone was activated. I then went to XXXX XXXX at XXXX XXXX & bought a {$30.00} XXXX Prepaid Refill card to use when the 2 months of paid service expired. Of course my teenage daughter got in trouble, so when it came time to use the XXXX Prepaid refill card I didn't load the card on the cell phone. Once my daughter finished her punishment I tried  unsuccessfully to load the XXXX Prepaid refill card on the cell phone. I called XXXX & the representative told me she didn't know why the card wouldn't load, but instead I could pay over the phone to reactivate the cell phone service. I payed the amount required over the phone with the representative. Within 2 weeks the cell phone service stopped working so I called XXXX. I was informed I owed {$120.00}!!!???!!! When I asked what the charge was for I was told the amount was for late fees, disconnection fees, re-connection fees, & insurance fees on the phone. I explained it was a prepaid account & I had refused insurance on the phone so these charges weren't valid. The representative told me this is NOT a prepaid account and that insurance was in fact on the phone. I was in disbelief & very angry! I went to a different XXXX location & asked them to pull up my information. The XXXX store associate accessed my information from the XX/XX/2016 transaction at the original XXXX store I activated the cell service at. I personally viewed computer generated \" paperwork '' that stated the service was a contract & cell phone insurance was accepted. The form had been revised three times & electronically accepted. There was a time stamp on the revisions, all of which occurred AFTER I had already left the XXXX store. There was only one XXXX associate in the entire store the day I activated the cell service. After I left the store that day, the associate fraudulently created new forms & electronically accepted these fraudulent forms by using my name as the one to agree to the terms he created without my knowledge or permission. I have contacted XXXX on more than one occasion regarding this fraud. I have insisted this charge be removed & the XXXX associate who opened this fraudulent account be reprimanded or fired. I have been cursed, put on extended hold, and eventually hung up on every time I have tried to resolve this matter with XXXX over the phone. XXXX recently placed this fraudulent account in collection on my credit report in the amount of {$220.00}.","date_sent_to_company":"2019-04-07T21:04:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"64801","tags":null,"has_narrative":true,"complaint_id":"3204729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ERC","date_received":"2019-04-07T18:45:42.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I then went to XXXX XXXX at XXXX XXXX & bought a {$30.00} XXXX <em>Prepaid</em> Refill <em>card</em> to use when the 2 months of paid service expired. Of course my teenage daughter got in <em>trouble</em>, so when it came time to use the XXXX <em>Prepaid</em> refill <em>card</em> I didn't load the <em>card</em> on the cell phone. Once my daughter finished her punishment I tried  unsuccessfully to load the XXXX <em>Prepaid</em> refill <em>card</em> on the cell phone."]},"sort":[17.413357,"3204729"]},{"_index":"complaint-public-v1","_id":"1843138","_score":17.400894,"_source":{"product":"Credit card","complaint_what_happened":"Discover prepaid card said on their website they would approve me if I made a deposit. They lied and left a negative query on my credit report. They asked for information about my identity and I provided it ( a XXXX with all of my information on it! ) and they still denied me. I went through a lot of trouble to get this and all Discover did was hurt my credit report and harvest information about me! violating privacy laws and being a creepy, lying comapany. \n\nreference number : XXXX","date_sent_to_company":"2016-03-23T12:13:55.000Z","issue":"Advertising and marketing","sub_product":null,"zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"1843138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2016-03-21T20:37:39.000Z","state":"LA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Discover <em>prepaid</em> <em>card</em> said on their website they would approve me if I made a deposit. They lied and left a negative query on my <em>credit</em> report. They asked for information about my identity and I provided it ( a XXXX with all of my information on it! ) and they still denied me. I went through a lot of <em>trouble</em> to get this and all Discover did was hurt my <em>credit</em> report and harvest information about me! violating privacy laws and being a creepy, lying comapany. \n\nreference number : XXXX"],"product":["<em>Credit</em> <em>card</em>"]},"sort":[17.400894,"1843138"]},{"_index":"complaint-public-v1","_id":"8299403","_score":17.350924,"_source":{"product":"Credit card","complaint_what_happened":"Dear Team, I would like to bring to your attention a matter of concern regarding my American Express card. I recently spoke with the American Express Team for Credit Limit, who suggested that pre-paying my card could potentially increase my spending limit. However, it appears there has been an issue. \n\nI pre-paid around {$4600.00} for a larger spending limit on my card ending in XXXX. Despite recently undergoing a Financial Review, which concluded last week, my account was unexpectedly suspended again today. It seems that the suspension occurred when American Express noticed the substantial pre-payment. \n\nThis situation is troubling as it feels like my account is being suspended to utilize the pre-paid funds for American Express 's business expenses. I find this practice unacceptable, especially considering that my account is not suspended when there is no pre-payment. It appears that the suspension occurs only when American Express observes a negative balance, allowing them to make use of customer funds. \n\nI kindly request clarification on this matter and a resolution to ensure fair and transparent practices. \n\nSincerely, XXXX","date_sent_to_company":"2024-02-08T00:45:20.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"92126","tags":null,"has_narrative":true,"complaint_id":"8299403","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-02-08T00:31:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Dear Team, I would like to bring to your attention a matter of concern regarding my American Express <em>card</em>. I recently spoke with the American Express Team for <em>Credit</em> Limit, who suggested that pre-paying my <em>card</em> could potentially increase my spending limit. However, it appears there has been an issue. \n\nI <em>pre-paid</em> around {$4600.00} for a larger spending limit on my <em>card</em> ending in XXXX."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Trouble</em> using your <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't use <em>card</em> to make purchases"]},"sort":[17.350924,"8299403"]},{"_index":"complaint-public-v1","_id":"5753227","_score":17.335182,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Capital one is being less than helpful regarding a situation where I was denied check in to a hotel based on discriminatory practices by XXXX XXXX XXXX, WA. The reservation was booked and prepaid on XXXX using a capital one credit card. Upon arriving at this hotel to check-in, the front desk attendant refused to accept my credit card claiming it was a prepaid card. This is not correct, as the card in question is a Capital One Walmart Rewards Mastercard. So because this low rent motel person had never seen this card before I was refused the ability to check in. I then was forced to get another hotel at the last minute ( which I had no trouble checking into ). I travel extensively. \n\nCapital One is requesting I send in additional evidence, but in this case the evidence is simply that the credit card is very real, and who better to prove this fact to this uneducated merchant than capital one itself. Refusing me check in for no good reason and then refusing to give me a refund is the same as theft in my book. Capital One should understand their responsibility in this case. \n\n{$120.00} ( XXXX  XXXX ) appears on the statement as XXXX XXXX XXXX BY XXXX XXXX CT XXXX XXXX. Transaction posted on XX/XX/2022, but the check in date was XX/XX/2022.","date_sent_to_company":"2022-07-10T06:56:04.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98102","tags":"Servicemember","has_narrative":true,"complaint_id":"5753227","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-07-10T02:06:44.000Z","state":"WA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The reservation was booked and <em>prepaid</em> on XXXX using a capital one <em>credit</em> <em>card</em>. Upon arriving at this hotel to check-in, the front desk attendant refused to accept my <em>credit</em> <em>card</em> claiming it was a <em>prepaid</em> <em>card</em>. This is not correct, as the <em>card</em> in question is a Capital One Walmart Rewards Mastercard. So because this low rent motel person had never seen this <em>card</em> before I was refused the ability to check in."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[17.335182,"5753227"]},{"_index":"complaint-public-v1","_id":"3295913","_score":16.627941,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I APPLIED FOR A GREEN DOT SECURED CARD IN XX/XX/2019. I NEVER RECEIVED IT. A FEW MONTHS LATER MY CREDIT REPORT SHOW A DEROGATORY ACCOUNT MARK. I SUBMITTED A {$200.00} AS A DEPOSIT. THE CARD NEVER CAME AND WHEN I CALL CUSTOMER SERVICE FOR THE CARD THE REQUIRE THE CARD NUMBER WHICH I NEVER RECEIVED. THE OTHER OPTION WAS USING MY SOCIAL SECURITY NUMBER AND I TRIED THAT AND THE SYSTEM SAYS THEY ARE HAVING TROUBLE FINDING MY ACCOUNT. THE CALL JUST CUTS OF AFTER THAT AND THERE IS NO OPTION TO SPEAK TO A PERSON. I COULD NOT EVEN BE RE-DIRECTED BY THEIR PREPAID CARD SYSTEM BECAUSE THEY ARE NOT CONNECTED. I WROTE LETTERS TO THEM AS WELL. I GOT NO RESPONSE AND THE NUMBERS GIVEN TO ME DO NOT WORK. I WAS ROBBED OF {$200.00} FOR A CARD I REPORTED TWICE. I GET ALL OTHER CONTACT ACCEPT MY PHYSICAL CARD.","date_sent_to_company":"2019-07-04T05:52:26.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"605XX","tags":null,"has_narrative":true,"complaint_id":"3295913","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-07-04T01:52:23.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["I APPLIED FOR A GREEN DOT SECURED <em>CARD</em> IN XX/XX/2019. I NEVER RECEIVED IT. A FEW MONTHS LATER MY <em>CREDIT</em> REPORT SHOW A DEROGATORY ACCOUNT MARK. I SUBMITTED A {$200.00} AS A DEPOSIT. THE <em>CARD</em> NEVER CAME AND WHEN I CALL CUSTOMER SERVICE FOR THE <em>CARD</em> THE REQUIRE THE <em>CARD</em> NUMBER WHICH I NEVER RECEIVED. THE OTHER OPTION WAS USING MY SOCIAL SECURITY NUMBER AND I TRIED THAT AND THE SYSTEM SAYS THEY ARE HAVING <em>TROUBLE</em> FINDING MY ACCOUNT."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.627941,"3295913"]},{"_index":"complaint-public-v1","_id":"6396156","_score":16.536762,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, I used my XXXX card to book a hotel room at the XXXX XXXX XXXX in XXXX, XXXX. I was excited because I had finally earned enough points to get a free room night. I prepaid the amount of {$200.00} when booking this with XXXX using the Wells Fargo card. When I checked in on XX/XX/XXXX, I used the same credit card to secure the room. However, when I checked out on XX/XX/XXXX, I discovered that the hotel charged me all over again for both nights. They refused to credit the amount of {$260.00} stating that XXXX never paid them. Therefore, I called Wells Fargo ( bank issuer ) to have this charge disputed. They refused and stated they could only dispute the original amount that I paid in XXXX since I had stayed at the hotel. This is completely unfair. I realize I stayed at the Hotel because I was supposed to stay on a prepaid visit. The free room night was not worth this trouble and now I'm not even getting a free room as I had to pay the entire amount for both rooms. Neither the hotel or the credit card are taking responsibility for the additional balance due of {$63.00} after I did everything I was supposed to do from the beginning. Wells Fargo needs to take responsibility and credit my account back for their vendor 's mistake. This is definitely their issue.","date_sent_to_company":"2023-01-05T01:45:20.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"89145","tags":null,"has_narrative":true,"complaint_id":"6396156","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-01-05T01:27:59.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I used my XXXX <em>card</em> to book a hotel room at the XXXX XXXX XXXX in XXXX, XXXX. I was excited because I had finally earned enough points to get a free room night. I <em>prepaid</em> the amount of {$200.00} when booking this with XXXX using the Wells Fargo <em>card</em>. When I checked in on XX/XX/XXXX, I used the same <em>credit</em> <em>card</em> to secure the room. However, when I checked out on XX/XX/XXXX, I discovered that the hotel charged me all over again for both nights."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[16.536762,"6396156"]},{"_index":"complaint-public-v1","_id":"7105601","_score":15.818443,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Credit Karma is doing shady practices. I applied for two cards and was denied for both. What concerns me is that with the first one it said \" excellent chance to be approved '' and with the second one, I was \" guaranteed '' to get {$50.00} if not approved. In reality, they said it would take a month to see if I wasn't approved ( after it took thirty seconds to get denied online ), and then they said they would send a pre-paid card. That's not {$50.00}. I looked into information online and see they are in trouble for deceiving people in this manner. They were told to stop and obviously don't plan to. Now they have taken my credit score down and it seems like nothing but scams with them.","date_sent_to_company":"2023-06-12T22:02:26.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"490XX","tags":null,"has_narrative":true,"complaint_id":"7105601","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2023-06-12T21:51:54.000Z","state":"MI","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["<em>Credit</em> Karma is doing shady practices. I applied for two cards and was denied for both. What concerns me is that with the first one it said \" excellent chance to be approved '' and with the second one, I was \" guaranteed '' to get {$50.00} if not approved. In reality, they said it would take a month to see if I wasn't approved ( after it took thirty seconds to get denied online ), and then they said they would send a <em>pre-paid</em> <em>card</em>. That's not {$50.00}."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"company":["<em>Credit</em> Karma, LLC"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading advertising about the <em>credit</em> <em>card</em>"]},"sort":[15.818443,"7105601"]},{"_index":"complaint-public-v1","_id":"2831776","_score":15.308034,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have a laundry list of complaints against multiple different creditors and credit card companies, against credit bureaus, against your agency and against the US government. \n\nThe financial institutions are : 1. XXXX XXXX : They have suspended online access to my account, they charge excessive fees and interest, and they have made it almost impossible to actually pay my bill. I have a balance of around {$1700.00} with them and I can not even pay my bill online and they might have even returned or refused to accept a payment from me. \n\n2. Ditto for Barclays Bank. I can sign on, but I think that they actually returned a payment from me. I am over my credit limit, and I sent them a cease and desist notice and made all kinds of threatening statements to them in e-mails. I have been trying to pay off that debt and I am having trouble doing that. I have not even used that card for many months now, and they still charge me interest and fees. \n\n3. XXXX XXXX ( see my previous complaint ). I tried to reopen that account and they will not let me gain access to my old statements for tax purposes. \n\n4. XXXX PrePaid Debit XXXX. I could write an small novel about my experience with them. I melted my debit card with positive balance on it at the XXXX XXXX in XXXX, XXXX because I was so upset about having to deal with their customer service department. \n\n5. XXXX XXXX : Overall, they have been OK to work with, but they recently told me that I have to close out my account with them towards the end of this month.","date_sent_to_company":"2018-03-03T10:27:51.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"554XX","tags":null,"has_narrative":true,"complaint_id":"2831776","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2018-03-03T10:12:03.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You never received your bill or did not know a payment was due"},"highlight":{"complaint_what_happened":["I am over my <em>credit</em> limit, and I sent them a cease and desist notice and made all kinds of threatening statements to them in e-mails. I have been trying to pay off that debt and I am having <em>trouble</em> doing that. I have not even used that <em>card</em> for many months now, and they still charge me interest and fees. \n\n3. XXXX XXXX ( see my previous complaint ). I tried to reopen that account and they will not let me gain access to my old statements for tax purposes. \n\n4. XXXX <em>PrePaid</em> Debit XXXX."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[15.308034,"2831776"]},{"_index":"complaint-public-v1","_id":"11921750","_score":15.186957,"_source":{"product":"Prepaid card","complaint_what_happened":"I've had major trouble using these cards in the past, but decided to try again using XXXX of these cards. It is an American Express XXXX XXXX XXXX, prepaid. I wanted to purchase something online that was time-sensitive, but in order for the merchant to accept AMEX cards XXXX you are forced to input the card into either XXXX or XXXX. Well, I tried XXXX. Multiple times. It gets declined every time and charges a {$0.00} charge onto the card which I hope gets refunded at some point. At the time of writing this, the total amount was {$490.00} because of these issues. \n\nAmerican Express claims these cards can be used everywhere, just like a regular credit card. Well, I wasn't able to use the card because of all the declining, so I had to use my own personal credit card because it was time sensitive. \n\nFor reference, the total amount for the transaction would have been {$170.00} total, and this card has {$500.00}. Plenty of money on the card but I wasn't even able to get that far. \n\nIn my opinion, American Express does not want the card holder to use this card with small businesses, they make it extremely difficult and in this case- impossible. They would rather see it spent in a big box store or giant corporation. It's my money, and I'd like to use it however I want.","date_sent_to_company":"2025-02-05T01:45:15.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"80016","tags":null,"has_narrative":true,"complaint_id":"11921750","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-02-05T01:18:09.000Z","state":"CO","company_public_response":null,"sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["American Express claims these cards can be used everywhere, just like a regular <em>credit</em> <em>card</em>. Well, I wasn't able to use the <em>card</em> because of all the declining, so I had to use my own personal <em>credit</em> <em>card</em> because it was time sensitive. \n\nFor reference, the total amount for the transaction would have been {$170.00} total, and this <em>card</em> has {$500.00}. Plenty of money on the <em>card</em> but I wasn't even able to get that far."],"product":["<em>Prepaid</em> <em>card</em>"],"issue":["<em>Trouble</em> using the <em>card</em>"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"],"sub_issue":["<em>Trouble</em> using the <em>card</em> to spend money in a store or online"]},"sort":[15.186957,"11921750"]},{"_index":"complaint-public-v1","_id":"6908718","_score":14.9079895,"_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 struggling 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":["<em>Trouble</em> getting, activating, or registering a <em>card</em>"]},"sort":[14.9079895,"6908718"]},{"_index":"complaint-public-v1","_id":"6220096","_score":14.678652,"_source":{"product":"Student loan","complaint_what_happened":"I moved to XXXX in XXXX. When I first moved here, Nelnet accepted monthly student  loan  payments in XXXX funds with XXXX checks sent in the mail. Then suddenly they required those checks to be in US funds, so I opened a US checking account here and sent my payments that way. Then suddenly those got mailed back to me, and Nelnet said they no longer would accept them because they have a \" foreign routing number ''. So, I would get a US bank draft every month and then mail the payments. Mail from here to US is unpredictable and payments often arrived late ( they would not accept post dated checks either ), the bank fee was $ XXXX and a hassle, so I inquired if there was another way to pay. They said they do indeed make exceptions for XXXX  residing customers and would allow payment by phone with my credit card. ( Online bill pay doesn't work either, nor does my debit card here -- because my bank is considered to have a \" foreign routing number ''. ) For credit card payment I had to phone a NON toll free number, though. Anyway, that worked for about a year and was very convenient. Then I went on a XXXX  XXXX, and qualified for $ XXXX payments for a year on the income driven repayment plan. Now, I am back to needing to make monthly payments. I phoned just the other day to make my first one, called the NON toll free number as I had before, the teller entered my credit card information and then put me on hold approximately 3 times for 10 minutes each ( NON toll free! ) because she was unable to process the payment. Turns out, Nelnet no longer accepts credit card payments for XXXX  residing borrowers. She said \" we used to do this all the time, I hadn't known the policy changed ''. She says the only two options I have now are to 1 ) have a family member residing in the US pay my monthly student loan amount for me ( ha!!! ) or, 2 ) POSSIBLY that a pre-paid XXXX  card would work. I will not burden someone else with making my student loan payments for me every month, and I find it appalling that the US student loan provider does not have an option for me to do this. When I asked if the pre-paid card method would work, all she could say was, \" I don't know for sure, but you can try it. '' Why would I go to the trouble of buying the pre-paid card, calling the long distance number, waiting on hold, trying to make the payment -- all for it to fail? \nWhy does Nelnet not have an option for someone who does not live in the XXXX to make a payment on their student loans? I surely can not be the only Nelnet customer who lives abroad. \nShe had no other options for me. Get a family member to pay it, or buy a pre-paid card and try again but \" it might not work ''. \nI refuse to call back and try this. If Nelnet wants me to make payments on my loans, from XXXX, they need to come up with an easy and fast way for me to do this. It is XXXX.","date_sent_to_company":"2022-11-18T21:54:16.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6220096","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2022-11-18T21:37:41.000Z","state":null,"company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["When I asked if the <em>pre-paid</em> <em>card</em> method would work, all she could say was, \" I don't know for sure, but you can try it. '' Why would I go to the <em>trouble</em> of buying the <em>pre-paid</em> <em>card</em>, calling the long distance number, waiting on hold, trying to make the payment -- all for it to fail? \nWhy does Nelnet not have an option for someone who does not live in the XXXX to make a payment on their student loans? I surely can not be the only Nelnet customer who lives abroad."]},"sort":[14.678652,"6220096"]},{"_index":"complaint-public-v1","_id":"13051715","_score":14.04076,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Title : Lack of Transparency Regarding High Interest Rate and Non-Reducing Balance What happened? \nI applied for a CareCredit account online ( issued by Synchrony Bank ) over a year and a half ago to cover the cost of XXXX XXXX XXXX XXXX XXXX. At the time, I was not clearly informed that the interest rate would be 39.99 % APR. If the rate had been clearly disclosed, I would not have accepted those terms especially since I did not have trouble credit at the time. \nDespite making every monthly payment on time, my balance has barely gone down. It seems the majority of my payments are being applied to interest, and the monthly interest charges often exceed my minimum payment, making it feel like I'm falling deeper into debt despite paying consistently. \nThis feels misleading and predatory, particularly considering that this line of credit was meant to help with essential XXXX XXXX. I believe this violates fair lending and disclosure practices. \n\nCompany Name : CareCredit ( Synchrony Bank ) Product : Credit card or prepaid card Healthcare credit card Issue : Charged fees or interest I didn't expect ( Also could apply under : Problem with a purchase shown on your statement, Confusing or missing disclosures ) Account Number : XXXX","date_sent_to_company":"2025-04-17T16:45:51.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"295XX","tags":null,"has_narrative":true,"complaint_id":"13051715","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-04-17T16:32:00.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["This feels misleading and predatory, particularly considering that this line of <em>credit</em> was meant to help with essential XXXX XXXX. I believe this violates fair lending and disclosure practices. \n\nCompany Name : Care<em>Credit</em> ( Synchrony Bank ) Product : <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> Healthcare <em>credit</em> <em>card</em> Issue : Charged fees or interest I didn't expect ( Also could apply under : Problem with a purchase shown on your statement, Confusing or missing disclosures ) Account Number : XXXX"],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[14.04076,"13051715"]},{"_index":"complaint-public-v1","_id":"4036782","_score":13.856354,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have two prepaid visa gift cards that l'am have trouble getting replaced. Some charges were made with out my authorization. the first charge I made later to find out the company was a f fraud.for the amount of {$190.00}. I contacted the company by email to see if the could help. They said I need to fill out a complaint form and I did with all the required paper. Which I know is my fault but wanted to see if they could help. But in the meantime another charge was made without my consent or the sum of {$140.00} .I recontacted the company filled out paperwork emailed it back to the company with all the documents they wanted they said it could take up to 90 days which I understand well the 90 days is coming gone. I have received several emails saying the case has been closed that I should receive the cards in the mail in 15 days that has come and gone. I also have a credit card that had a balance of {$8.00} on it that was removed also without my consent and when I contacted the company filled out more paperwork for that card and got the same results 15 days. I have a lot of emails from this company but I can't upload everything because it's only 10 MB.","date_sent_to_company":"2020-12-29T18:50:14.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"13045","tags":null,"has_narrative":true,"complaint_id":"4036782","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Blackhawk Network Holdings Inc.","date_received":"2020-12-29T17:57:44.000Z","state":"NY","company_public_response":null,"sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["I also have a <em>credit</em> <em>card</em> that had a balance of {$8.00} on it that was removed also without my consent and when I contacted the company filled out more paperwork for that <em>card</em> and got the same results 15 days. I have a lot of emails from this company but I can't upload everything because it's only 10 MB."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"],"sub_issue":["Charged for a purchase or transfer you did not make with the <em>card</em>"]},"sort":[13.856354,"4036782"]},{"_index":"complaint-public-v1","_id":"4840373","_score":13.63975,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"MY NAME IS XXXX XXXX WAY2GO CARD # XXXX IS THE NEW CARD, THE PREVIOUS CARD HAS BEEN DEACTIVATED DUE TO UNAUTHORIZED CHARGES. \n\nON XX/XX/2021 THE XXXX XXXX XXXX IN XXXX XXXX XXXX CHARGED AN UNAUTHORIZED {$1800.00} TO MY WAY2GO CONDUENT MASTER CARD/DEBIT CARD WHICH IS A PREPAID CARD FOR MY CHILD SUPPORT PAYMENTS. THE XXXX XXXX XXXX CHARGED AN UNAUTHORIZED {$1300.00} TO THE SAME CARD THE SAME DATE. I NEVER HAVE BEEN TO EITHER ESTABLISHEMENT NOR HAVE I AUTHORIZED THESE FRAUDULENT CHARGES. I WAS NOT AWARE OF THE CHARGES UNTIL I CHECKED MY CARD BALANCE AND IT WAS A LARGE NEGATIVE BALANCE. AFTER GOING THROUGH MY STATEMENT I IMMEDIATELY DISPUTED THE CHARGES WITH WAY2GO CONDUENT WHO RESPONDED BY TELLING ME THE MERCHANTS REFUNDED THE CHARGES WHICH WAS NOT TRUE. I ASKED FOR PROOF OF THE REFUND OR CHARGE REVERSAL AND PROOF THAT THE AMOUNTS HAVE BEEN CREDITED TO MY ACCOUNT. I HAVE NOT RECEIVED PROOF OR DOCUMENTATION OF MY CARD BEING CREDITED FOR THOSE UNAUTHORIED AMOUNTS. MY ACCOUNT BALANCE IS CURRENTLY NEGATIVE IN THE AMOUNT OF THE UNAUTHORIZED CHARGES WHICH IS CAUSING ALL OF MY INCOMING DEPOSITS TO GO TOWARD THE NEGATIVE BALANCE. I AM NOT RECEIVING MY CHILD SUPPORT PAYMENTS DUE TO THIS ERROR. I WOULD LIKE A FULL CREDIT FOR THE {$1800.00} AND {$1300.00} SO THAT MY CARD IS BACK IN GOOD STANDING AND OUT OF THE NEGATIVE. I HAVE NEVER HAD A NEGATIVE BALANCE UNTIL THIS ERROR OCCURED. I HAVE SPOKEN WITH 6 DIFERENT PEOPE IN THE DISPUTE DEPARMENT REGARDING RESOLUTION. I WAS TOLD A TROUBLE TICKET WAS CREATED ON MY BEHALF IN ORDER FOR THE CREDITS TO BE APPLIED TO MY ACCOUNT. I WAS TOLD TO ALLOW XXXX TO 5 BUSINESS DAYS FOR RESOLUTIN, YET IT HAS BEEN 9 BUSINESS DAYS AND STILL NO CORRESPONDENCE OR RESOLUTION FROM WAY2GO.","date_sent_to_company":"2021-10-25T15:40:23.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"741XX","tags":null,"has_narrative":true,"complaint_id":"4840373","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Conduent Incorporated","date_received":"2021-10-25T15:17:35.000Z","state":"OK","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["I WOULD LIKE A FULL <em>CREDIT</em> FOR THE {$1800.00} AND {$1300.00} SO THAT MY <em>CARD</em> IS BACK IN GOOD STANDING AND OUT OF THE NEGATIVE. I HAVE NEVER HAD A NEGATIVE BALANCE UNTIL THIS ERROR OCCURED. I HAVE SPOKEN WITH 6 DIFERENT PEOPE IN THE DISPUTE DEPARMENT REGARDING RESOLUTION. I WAS TOLD A <em>TROUBLE</em> TICKET WAS CREATED ON MY BEHALF IN ORDER FOR THE <em>CREDITS</em> TO BE APPLIED TO MY ACCOUNT."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"sub_product":["Government benefit <em>card</em>"],"sub_issue":["<em>Card</em> company isn't resolving a dispute about a purchase or transfer"]},"sort":[13.63975,"4840373"]},{"_index":"complaint-public-v1","_id":"18239612","_score":13.461584,"_source":{"product":"Prepaid card","complaint_what_happened":"Around XX/XX/year> I was trying to improve my credit score and Credit Karma offered me a prepaid debit card to which I would deposit money then use as a credit card. \nI signed up to start a saving account and get a Credit Karma debit card which I could use to make purchases. \nIn XX/XX/year> I opened a savings account on the Credit Karma website and deposited {$450.00} and in XX/XX/year> I deposited another {$80.00}. If I had received the debit card I would have continued to make deposits but when I tried to check my balance on the Credit Karma website, there was no record of me having an account so in contacted my bank and reported the money I had deposited as fraud so my bank returned my money back to my checking account. \nI do not remember how long it took but I eventually got the Credit Karma debit card but because of the trouble of getting information from Credit Karma, I did not trust them and decided not to continue with the Credit Karma saving account.\n\nI eventually got the Credit Karma debit card but because I no longer had money in the saving account I had agreed to deposit {$1000.00} into, Credit Karma started to send me monthly bills and charges for late payments.\n\nI contacted Credit Karma and explained what is written above but they insisted I owed them money. Because I refused to reopen the saving account and deposit money into it, Credit Karma reported me to the credit reporting bureaus.\n\nI contacted Credit Karma and disputed the late payments to the credit reporting bureaus but it is on three credit reporting bureaus and do not understand why I am required to have a saving account with a company which I do not trust.","date_sent_to_company":"2025-12-23T06:01:20.000Z","issue":"Unexpected or other fees","sub_product":"General-purpose prepaid card","zip_code":"960XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"18239612","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2025-12-23T05:15:52.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Around XX/XX/year> I was trying to improve my <em>credit</em> score and <em>Credit</em> Karma offered me a <em>prepaid</em> debit <em>card</em> to which I would deposit money then use as a <em>credit</em> <em>card</em>. \nI signed up to start a saving account and get a <em>Credit</em> Karma debit <em>card</em> which I could use to make purchases. \nIn XX/XX/year> I opened a savings account on the <em>Credit</em> Karma website and deposited {$450.00} and in XX/XX/year> I deposited another {$80.00}."],"product":["<em>Prepaid</em> <em>card</em>"],"company":["<em>Credit</em> Karma, LLC"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"]},"sort":[13.461584,"18239612"]},{"_index":"complaint-public-v1","_id":"3584415","_score":13.027215,"_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":["I ask myself how is this possible, I used a XXXX <em>PREPAID</em> <em>card</em>."],"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":["<em>Trouble</em> closing <em>card</em>"]},"sort":[13.027215,"3584415"]},{"_index":"complaint-public-v1","_id":"7849111","_score":12.106448,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"over a 4 month period my Chime prepaid credit card was fraudulenly being charged by XXXX XXXX  and XXXX XXXX  for subscriptions purchased by someone other than me and on a XXXX account other than mine as neither the charges nor the subscriptions showed up on my XXXX XXXX  subscriptions or purchase history and only the transactions showed up in my XXXX  purchase history but the actual subscriptions were absent in the XXXX subscriptions list which points to some highly suspicious, irregular, and i beleive fraudulent unauthorised transactions having such a fraudulent nature that even the worst fraud prevention software would never allowed through especially given the austier and unbending mature of XXXX XXXX  subscription cancelation process that requires me to have access to these subscriptions in order to cancel them without which precluded me to stop the endless drain on my payment method even after i removed and canceled the payment method in my chime account and from XXXX  they still resumed on the new temp card as well s the real card wich was a prepaid credit cared Chime provides all its customers as an added feature to boost credit scores. But once i removed the card from XXXX all evidence of those fraudulent charges were permanently erased from my XXXX account which precluded me from disputing the charges from that cardon XXXX. As I attempted to stop this fraudulent hemmorage of my very scarce resources i once again towards the end of the 4 month seige once again canceled and removed the next version of the payment method being painfully unaware of the of the process of he process that had the subsequent unauthorised charges irretrievably removed from my XXXX XXXX  activity making it imossible to dispute the charges through the merchant represented by XXXX XXXX and XXXX. so i had to dispute them through the Chime account who is equally complicit of allowing such blatantly troubling if not fraudulent activity. For 4 months i disputed an redisputed the XXXX transactions totalling over {$300.00} that had amassed over the 4 month period. they gave the usual speak about it taking up to 90 days to recieve a decision but each time i would send documents they said were recieved but either werent or werent looked at they quickly within a days time would deny with no explanation. i felt like they were gaslighing me by denying me access to the actual person making these unconcionable decisions time after time. i had a previous dispute over a transaction that i had authorised but reported i beleived i was being scamed as i got no confirmation email and they not only gave me a immediate credit but it was resolved in a week and i provided no additional info and the documentation i sent Chime on this current dispute was so substantial and undeniable that it would have at least taken more than a week to go over sufficiently but they're decisions to deny came quicker and quiker while the the amaount of documentation they were acually able to recieve only increased. I dont know what kind of deal or candestined agreement these XXXX entities ( Chime, XXXX, XXXX ) have entered into and i dont care i just need my money back or my chances of survival will be deeply dimminished. What the XXXX is going on?","date_sent_to_company":"2023-11-14T19:02:16.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"78209","tags":"Older American","has_narrative":true,"complaint_id":"7849111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2023-11-14T17:48:29.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["as well s the real <em>card</em> wich was a <em>prepaid</em> <em>credit</em> cared Chime provides all its customers as an added feature to boost <em>credit</em> scores."]},"sort":[12.106448,"7849111"]},{"_index":"complaint-public-v1","_id":"15167927","_score":11.80232,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am in disbelief, highly offended, and feel scammed by Equifax. Is Equifax and XXXX  sister companies that work together? Both of these operate in the same manner ; unethical. Equifax has been participating in unfair, unethical, and deceptive business practices using my personal information and credit report incorrectly for decades. They have been victimizing a certain class for years in the past and recent years and there has not been any real accountability. It is a shame that this type of victimization is allowed. \n\nEquifax offered me {$8.00} on a credit card for my troubles they caused me for years. They were even deceptive in that process. They kept sending notifications to my email about the class action lawsuit, but never disclosed the amount. You do not find out the amount you are receiving until after you click the link. This is so unfair. \n\nI refuse to use a dime of that small degrading amount. Im quite sure that minimal amount of money on a prepaid card was not offered to everyone included in the class action lawsuit. I truly feel they based the amount distributed on unfair terms as well. \n\nI would never allow any company or wealthy law firm representing a class action lawsuit to financially abuse me in this way. So if the lawsuit totaled {>= $1,000,000} and the lawyer gets XXXX ; That means the lawyers got over {>= $1,000,000}. I am appalled and extremely offended. Some people in this world really think it is ok to inflict this type of injustice and xenophobia on certain people or groups. This is so horrible. Im not going to take {$8.00} from a company that victimized me for over 20 years for damages and help a rich law firm gain over {$90.00} million. This is very unfair. \n\nToday I tried to go in to take a photo of the pre paid card to upload here. I guess they blocked my access after I called and questioned them about the amount and told them how offended I was and how they should be ashamed for even thinking I would be that dumb/stupid to let them victimize and low ball me like that. \n\nIf that is all that company and law firm thinks Im worth they can dude roll me from the class action lawsuit and deactivate that credit card.\n\nIll do better filing my own case in court.","date_sent_to_company":"2025-08-08T19:45:35.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"33326","tags":null,"has_narrative":true,"complaint_id":"15167927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-08T19:00:10.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax has been participating in unfair, unethical, and deceptive business practices using my personal information and <em>credit</em> report incorrectly for decades. They have been victimizing a certain class for years in the past and recent years and there has not been any real accountability. It is a shame that this type of victimization is allowed. \n\nEquifax offered me {$8.00} on a <em>credit</em> <em>card</em> for my <em>troubles</em> they caused me for years. They were even deceptive in that process."],"product":["<em>Credit</em> reporting or other personal consumer reports"]},"sort":[11.80232,"15167927"]},{"_index":"complaint-public-v1","_id":"1466484","_score":11.758032,"_source":{"product":"Prepaid card","complaint_what_happened":"Netspend offers to allow customers to refer a friend to get a Netspend card and after their friend makes {$40.00} in deposits onto the prepaid card, both people are supposed to get {$20.00} each deposited onto their cards. I e-mailed the link to my domestic partner who does not have a bank account due to losing employment and having ruined credit in the wake. He clicked the link to their site and completed the application XXXX times before giving up because it had been weeks since he applied and the screen told him that his card would be here in 2-4 weeks. 2-4 months later, he decided to try to just go in through my account online and order himself a card. They linked his card to my account and we called Netspend customer service for assistance to get him the card I had sent him a referral for. The new card had to be cancelled and he was sent a different card that is his own account independent of mine. We called them this morning to inquire about our {$20.00} deposits that have not shown up ( that we could really use to help us pay the rent this month ) and they said that he did not qualify for the program because I could not have referred him because he got a card the same day I did ( referring to the XXXX linked to my account that I did not add anyone to at all! ). We spoke with a rep and a supervisor and they maintain that XXXX has been a customer longer than me and that he is not eligible to be a referral of mine. It is just frustrating that this is where my paychecks are going to now and these people are idiots, saying XXXX purchased his card from XXXX XXXX. He did not! It is the XXXX and only card he ever received from his inquiries from the referral program that XXXX of their idiotic employees sent to him. He never received any other cards on any other accounts and I never even authorized him as a user on my account. I just happened to be logged into it XXXX time when he was trying again to reapply for the card that never came. We were on the phone with them for over an hour this morning just trying to get the referral money promised by their ads ( because we are poor and need it that desperately ). XXXX has gone through so much hassle with all of this nonsense and explained it to the rude woman on the phone today. We did everything we were supposed to for the program, but never got the money promised. The lady said it could have been their software/internet issue, but refused to manually credit the reward fund to either of our accounts. After all of this trouble, I sure wo n't be referring anyone else there, that is for sure.","date_sent_to_company":"2015-07-14T22:19:18.000Z","issue":"Overdraft, savings or rewards features","sub_product":"Mobile wallet","zip_code":"89115","tags":null,"has_narrative":true,"complaint_id":"1466484","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Netspend Corporation","date_received":"2015-07-14T22:19:18.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Netspend offers to allow customers to refer a friend to get a Netspend <em>card</em> and after their friend makes {$40.00} in deposits onto the <em>prepaid</em> <em>card</em>, both people are supposed to get {$20.00} each deposited onto their cards. I e-mailed the link to my domestic partner who does not have a bank account due to losing employment and having ruined <em>credit</em> in the wake."],"product":["<em>Prepaid</em> <em>card</em>"]},"sort":[11.758032,"1466484"]},{"_index":"complaint-public-v1","_id":"3973852","_score":11.184133,"_source":{"product":"Checking or savings account","complaint_what_happened":"As of XX/XX/2020 I have been having trouble with my prepaid edd debit card account, my deposits have been removed and they have been not replaced with no explanation of what happened to the funds. After that date I had gotten several deposits in which I was not credited the correct amount and I have no record in my statement of what happened to my money. Through out my account there are transfers to an external bank account that I have no idea of where the money is being sent to. I contacted bank of america on several occasions and I was told that the account balance is right and the amount that is being displayed is correct. I attempted to contact the bank claims department and they told me that they had not made any mistake and they said edd took the benefits back. I contacted the edd and they said that they would not have taken any of the benefits disbursement back. I tried to contact the claims department once again and I was told that the account was frozen and it was under fraud case. I spoke to the fraud department and was cleared by them and I was transferred back to the claims department and was told that the account was going to have an open claim for the unauthorized access and I was sent a letter stating that the findings of the investigation are correct and the charges to the account are correct. I attempted to contact the claims department and was unable to get in contact with the claims department yet, I am going to be out on the streets because of the money that has been taken from my account. I have a son that is depending on me to make sure he has a roof over his head and this is putting that in jeopardy. The overall sum of XXXX dollars have been removed from my account since XX/XX/2020, and there are some transactions that are not made by myself as well. I am a single mother and I have no other means of supporting my son, all I am asking for is to have the funds that were taken out of the account replaced.","date_sent_to_company":"2020-11-24T21:33:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95340","tags":null,"has_narrative":true,"complaint_id":"3973852","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-11-24T20:53:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["As of XX/XX/2020 I have been having <em>trouble</em> with my <em>prepaid</em> edd debit <em>card</em> account, my deposits have been removed and they have been not replaced with no explanation of what happened to the funds. After that date I had gotten several deposits in which I was not <em>credited</em> the correct amount and I have no record in my statement of what happened to my money. Through out my account there are transfers to an external bank account that I have no idea of where the money is being sent to."],"sub_issue":["Problem using a debit or ATM <em>card</em>"]},"sort":[11.184133,"3973852"]},{"_index":"complaint-public-v1","_id":"8878002","_score":11.171097,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX : XXXX Consumer Financial Protection Bureau1700 G Street NWWashington, D.C. 20552 Subject : Formal Complaint Regarding Ongoing Issues and Inadequate Resolution of Identity Theft Claim Following Equifax Data Breach Dear Sir/Madam, I am writing to file a complaint regarding the mishandling of my identity theft claim associated with the Equifax data breach, under claim number XXXX. Since the breach in 2017, I have not had peace, constantly needing to monitor my credit reports. This ongoing vigilance has caused significant stress, aggravating my XXXX. Despite this, my attempts to claim further damages for the continuous repercussions have been unfairly denied. \n\nBackground : Since the initial data breach, unauthorized activities on my financial accounts have persisted, necessitating ongoing interventions. Although I was recognized as an affected class member and issued a prepaid virtual card by the same office now denying further claims, my extended damages remain unrecognized. \n\nIssues Faced : 1. Continual Stress and Health Impact : The need for constant vigilance over my credit has severely impacted my XXXX health, adding undue XXXX  and exacerbating my XXXX. \n2. Administrative Inconsistencies : The same office that acknowledged and compensated me in one instance has subsequently denied further claims, citing that I am not part of the initial claims, despite having records of my claim and compensation. \n3. Denial Without Just Cause : It is deeply troubling that victims like myself are denied further necessary compensation without clear reasoning, which questions the fairness and integrity of the claims process. I provided the email adress and proof of payment made by same office and they still say they can located me obviously I dont used my same emails as I had to change them XXXX XXXX XXXX Steps Taken : Despite providing substantial evidence of the ongoing impacts and engaging in the appeals process, the responses from the Claims Administrator have been both inadequate and disheartening. The lack of proper resolution has forced me to seek intervention from your bureau. \n\nAction Requested : I respectfully request that the Consumer Financial Protection Bureau : Investigate the handling of my claim and the apparent inconsistencies within the Equifax Data Breach Settlement Claims Administration. \nEnsure that my rights and the rights of other victims are fully upheld, recognizing the long-term impacts of the breach on our personal and financial well-being. \nFacilitate a fair and thorough resolution that addresses the continuous challenges faced by victims of the breach. \n\nI am prepared to provide any additional documentation needed to support my complaint and assist in a thorough review. My hope is for a resolution that finally brings peace to my life and rectifies the ongoing injustices faced by myself and similar victims. \n\nThank you for your attention to this pressing matter. I look forward to your prompt response and am eager for your assistance in achieving justice. \n\nSincerely, XXXX XXXX XXXX Enclosures : Notification of {$5.00} Settlement Prepaid Card Documentation of Entitlement to Identity Restoration Services","date_sent_to_company":"2024-05-01T13:53:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33411","tags":null,"has_narrative":true,"complaint_id":"8878002","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-29T03:56:06.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX XXXX Enclosures : Notification of {$5.00} Settlement <em>Prepaid</em> <em>Card</em> Documentation of Entitlement to Identity Restoration Services"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.171097,"8878002"]},{"_index":"complaint-public-v1","_id":"2042570","_score":11.07772,"_source":{"product":"Prepaid card","complaint_what_happened":"US Bank National Association dba XXXX XXXX XXXX has failed on several instanced to adhere to the terms of THEIR card holder agreement. After enticing that my tax refund be direct deposited to my card through a {$10.00} credit advertisement the company refused to post the funds to my card. I was THEN informed that they only take deposits up to {$5000.00}, which varies greatly from the terms of their agreement. In XXXX XXXX, prior to filing my taxes, I contacted customer service for my XXXX XXXX thru XXXX XXXX bank statements to help me with filing my taxes and was told that they no longer had access to my records. I advised them that Federal law mandated that the keep these records for a number of years, the rep had no knowledge of the laws and advised that she would escalate the matter and have their superiors contact me. I am still waiting for that call back. In XXXX I used the card for incidentals at XXXX hotel. XXXX XXXX charged my account in excess of the amount the vendor attempted to hold and refused to credit it back after the vendor released the hold. I spent over 8 hrs on the phone with various reps who pretended that they could not release the hold, when paragraph XXXX of their agreement provides a means to do so with written authorization from the vendor. I advised XXXX XXXX that they were in violation of THEIR agreement and the rep, XXXX stated she could not further assist. On XXXX XXXX I requested an arbitration hearing and to date I have not received a hearing date or any information regarding the status, resulting in 3 additional calls. It is my opinion that XXXX XXXX preys upon individuals with financial troubles and lack of financial laws. Even though they have refused to adhere to their agreement, they continue to charge a {$3.00} service charge. The prepaid card is SUPPOSED to provide me with {$5.00} per {$1000.00} in free groceries, however the clerks at the XXXX family of stores have NO KNOWLEDGE of the program and regularly fail to provide this \" benefit ''. Each month I have to call in and I am told the phone reps can only see that I earned the benefit, but have no way of tracking if the benefit was used by an unauthorized party. When I requested an inquiry on the matter I was advised that someone would call me back within 48 hours to let me know. To date, I have NEVER received a return call from my numerous inquiries. Please review the attached information and feel free to contact me for more details regarding the atrocious disregard for the financial laws of the State of Ohio and the United States.","date_sent_to_company":"2016-08-03T13:09:00.000Z","issue":"Managing, opening, or closing account","sub_product":"General purpose card","zip_code":"45215","tags":null,"has_narrative":true,"complaint_id":"2042570","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2016-08-02T12:31:15.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["It is my opinion that XXXX XXXX preys upon individuals with financial <em>troubles</em> and lack of financial laws. Even though they have refused to adhere to their agreement, they continue to charge a {$3.00} service charge. The <em>prepaid</em> <em>card</em> is SUPPOSED to provide me with {$5.00} per {$1000.00} in free groceries, however the clerks at the XXXX family of stores have NO KNOWLEDGE of the program and regularly fail to provide this \" benefit ''."],"product":["<em>Prepaid</em> <em>card</em>"],"sub_product":["General purpose <em>card</em>"]},"sort":[11.07772,"2042570"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":48,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":48}]}},"product":{"doc_count":48,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card or prepaid card","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":7},{"key":"General-purpose credit card or charge card","doc_count":6},{"key":"Government benefit card","doc_count":1},{"key":"Payroll 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