{"took":126,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":216,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9047777","_score":26.211113,"_source":{"product":"Checking or savings account","complaint_what_happened":"Description of Events : On XX/XX/year>, at XXXX AM, my Chime account was abruptly closed without prior notice or detailed explanation. Upon discovering the account closure, I promptly contacted Chime customer support to understand the reasons behind this action and to request the return of the remaining funds in my account. \n\nDespite multiple attempts to seek clarification and resolve the issue, Chimes responses have been unsatisfactory and vague. The customer service representatives referred me to the XXXX XXXX XXXX  but failed to provide a specific explanation or any detailed findings related to the closure of my account. Additionally, I was informed that I am not eligible to receive the remaining funds in my account, which contradicts the terms outlined in the XXXX XXXX XXXX \n\nActions Taken by Me : 1. Initial Contact : I contacted Chime customer support immediately after my account was closed on XX/XX/year>, requesting an explanation and the return of my funds. \n2. Follow-Up Inquiries : Over the following days, I made several follow-up inquiries to Chime support, seeking a clear and detailed explanation for the account closure and information on how to recover my remaining funds. \nXXXX. Request for Detailed Explanation : I specifically requested a detailed explanation of the reasons for the account closure, as required by consumer protection laws, but did not receive any substantial information. \n\nChimes Actions : 1. Account Closure : Chime closed my account on XX/XX/year>, at XXXX XXXX  without prior notice or detailed justification. \n2. Refusal to Provide Specific Reasons : Chimes representatives consistently referred me to the Deposit Account Agreement without offering any specific reasons for the closure. \n3. Denial of Refund : Chime informed me that I am not eligible to receive the remaining funds in my account, which is in direct contradiction to the terms of the XXXX XXXX XXXX  that state unused balances should be returned via check. \n\nThe lack of transparency and refusal to provide a legitimate reason for the account closure, coupled with the denial of my remaining funds, has caused significant distress and inconvenience. I am seeking the intervention of consumer protection authorities to obtain a clear explanation and the return of my funds.","date_sent_to_company":"2024-05-20T01:03:59.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"75224","tags":null,"has_narrative":true,"complaint_id":"9047777","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-05-20T00:05:56.000Z","state":"TX","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Request for <em>Detailed</em> Explanation : I specifically requested a <em>detailed</em> explanation of the <em>reasons</em> for the <em>account</em> <em>closure</em>, as required by consumer protection laws, but did not receive any substantial information. \n\nChimes Actions : 1. <em>Account</em> <em>Closure</em> : Chime closed my <em>account</em> on XX/XX/year>, at XXXX XXXX  without prior notice or <em>detailed</em> justification. \n2."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Funds not received from closed <em>account</em>"]},"sort":[26.211113,"9047777"]},{"_index":"complaint-public-v1","_id":"16847783","_score":24.186575,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"PayPal permanently limited my account without a valid, specific reason. \n\nInitially, they claimed they could not verify my information. I immediately submitted my official government-issued ID, which perfectly matches all my account details. \n\nAfter I submitted my ID, they permanently closed my account, claiming I violated the Acceptable Use Policy. I appealed this decision and asked for the specific, verifiable reason for this claim. I only used my account for occasional personal transfers from friends. \n\nPayPal sent me a final email stating their decision is permanent, can not be appealed, and that they \" will not be providing detailed, specific reasons '' for the closure. \n\nThey are now holding my entire balance for 180 days, even though there are no disputes, no chargebacks, and no fraud claims against my account. They have blocked me from all customer support channels. I believe this closure is an error by their automated system and their refusal to provide a specific reason or allow a manual review is an unfair business practice.","date_sent_to_company":"2025-10-27T17:23:43.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"16847783","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-10-27T16:52:16.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I believe this <em>closure</em> is an error by their automated system and their refusal to provide a <em>specific</em> <em>reason</em> or allow a manual review is an unfair business practice."],"issue":["Managing, opening, or closing your mobile wallet <em>account</em>"]},"sort":[24.186575,"16847783"]},{"_index":"complaint-public-v1","_id":"19615132","_score":23.92205,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I received notice that my Chime checking account would be closed effective XX/XX/year>. The notice did not provide a specific reason for the closure. \n\nAt the time I received this notification, my account reflected a positive balance and was in good standing. I contacted customer support requesting written clarification regarding the basis for this decision but did not receive a detailed explanation. \n\nI respectfully request a formal review of this closure and reconsideration of the decision to terminate my account. If there are specific concerns related to account activity, I am willing to provide clarification or documentation as needed. \n\nI am seeking transparency regarding the reason for this action and would appreciate the opportunity to resolve any issues so that my account may remain open.","date_sent_to_company":"2026-02-19T09:28:29.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"48340","tags":null,"has_narrative":true,"complaint_id":"19615132","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-02-19T09:19:30.000Z","state":"MI","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I received notice that my Chime checking <em>account</em> would be closed effective XX/XX/year>. The notice did not provide a <em>specific</em> <em>reason</em> for the <em>closure</em>. \n\nAt the time I received this notification, my <em>account</em> reflected a positive balance and was in good standing. I contacted customer support requesting written clarification regarding the basis for this decision but did not receive a <em>detailed</em> explanation."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[23.92205,"19615132"]},{"_index":"complaint-public-v1","_id":"15894075","_score":23.11431,"_source":{"product":"Credit card","complaint_what_happened":"My Chase credit card account ending in [ XXXX ] was recently closed without clear explanation. I contacted customer service and requested reinstatement, but was told the account could not be reopened. No detailed reason was provided beyond a vague reference to internal review. \n\nI have been a responsible Chase customer, with a good payment history, and the sudden closure has negatively affected my credit history and financial planning. \n\nI am requesting the following : XXXX. A clear written explanation of the specific reason ( XXXX ) for the account closure. \nXXXX. Confirmation of whether the closure was due to internal risk models, inactivity, or another factor. \nXXXX. Reconsideration of reinstating my account, or at minimum, a fair resolution. \n\nI believe this action was unfair and request CFPBs assistance to ensure Chase provides transparency and an appropriate resolution.","date_sent_to_company":"2025-09-12T22:58:52.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"91762","tags":null,"has_narrative":true,"complaint_id":"15894075","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-12T22:52:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["A clear written explanation of the <em>specific</em> <em>reason</em> ( XXXX ) for the <em>account</em> <em>closure</em>. \nXXXX. Confirmation of whether the <em>closure</em> was due to internal risk models, inactivity, or another factor. \nXXXX. Reconsideration of reinstating my <em>account</em>, or at minimum, a fair resolution. \n\nI believe this action was unfair and request CFPBs assistance to ensure Chase provides transparency and an appropriate resolution."],"issue":["Closing your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[23.11431,"15894075"]},{"_index":"complaint-public-v1","_id":"17176767","_score":22.964823,"_source":{"product":"Credit card","complaint_what_happened":"Company : Capital One Bank ( USA ), N.A. \nProduct : Credit Card Account Type : Secured Credit Card ( XXXX XXXX  ) Account ending in : XXXX What happened : On XX/XX/2025, Capital One closed my secured XXXX credit card account and provided the explanation that the closure was due to activity inconsistent with typical customer account usage. This statement is vague and does not explain what specific activity allegedly prompted the action. \n\nI have not engaged in fraud, abuse, unauthorized use, or any conduct that would violate the cardholder agreement. I have maintained timely payments and used the account responsibly. I have requested clarification and reconsideration, but Capital One has not provided a specific reason as required by law. \n\nThis constitutes an adverse action. Under the Equal Credit Opportunity Act ( ECOA ), creditors are required to provide a specific, detailed reason for adverse action notices : 15 U.S.C. 1691 ( d ) ( 2 ) requires creditors to provide a statement of specific reasons for adverse action.\n\n15 U.S.C. 1691 ( d ) ( 3 ) prohibits creditors from giving vague or generic explanations.\n\nRegulation B ( 12 C.F.R. 1002.9 ( a ) ( 2 ) ) further requires that adverse action notices be clear and specific enough to allow the consumer to understand the basis of the decision. \n\nThe explanation provided activity inconsistent with typical customer use is not specific and does not satisfy these requirements because it does not identify what behavior or transaction triggered the closure. \n\nAdditionally, I am concerned that Capital One may report the closure to the credit bureaus inaccurately. The Fair Credit Reporting Act requires that any information furnished to credit reporting agencies must be accurate and not misleading : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).\n\nWhat I am requesting : 1. A specific written explanation of the exact reason ( s ) the account was closed, as required under ECOA and Regulation B.\n\n2. A review and reconsideration of the closure decision.\n\n3. Assurance that no inaccurate or derogatory information regarding this closure will be furnished to any consumer reporting agency, consistent with FCRA accuracy requirements. \n\nI am requesting the CFPBs assistance in obtaining a lawful and transparent explanation and ensuring that my credit report is not harmed due to a non-specific or automated closure. \n\nThank you.","date_sent_to_company":"2025-11-11T04:22:23.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"570XX","tags":null,"has_narrative":true,"complaint_id":"17176767","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-11-11T04:18:34.000Z","state":"SD","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Under the Equal Credit Opportunity Act ( ECOA ), creditors are required to provide a <em>specific</em>, <em>detailed</em> <em>reason</em> for adverse action notices : 15 U.S.C. 1691 ( d ) ( 2 ) requires creditors to provide a statement of <em>specific</em> <em>reasons</em> for adverse action.\n\n15 U.S.C. 1691 ( d ) ( 3 ) prohibits creditors from giving vague or generic explanations."],"issue":["Closing your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[22.964823,"17176767"]},{"_index":"complaint-public-v1","_id":"17305139","_score":22.8742,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"My XXXX account was recently closed without any clear or specific explanation. I received a notification that my account was permanently closed, but XXXX  has not provided any details about what triggered this action, nor have they explained what information was reviewed or what policy they believe was violated. \n\nI rely on this account for personal transactions and to send/receive money with friends and family, and the sudden closure has caused significant inconvenience. I have reached out to XXXX support team multiple times seeking clarification, but each response was a generic statement that my account could not be reopened. No specific reason or evidence has been provided, and I have not been informed of any steps I can take to resolve the issue. \n\nTo my knowledge, I did not violate any terms of service. I would like XXXX  to conduct a full review of my account and provide : 1. The specific reason for the account closure, 2. The policies or criteria used to make this decision, and 3. Any documentation supporting the closure. \n\nIf there is no legal or regulatory basis to keep my account closed, I am requesting that XXXX  restore access or provide a more detailed explanation of their determination. \n\nThank you for your assistance in obtaining a clear, complete response from the company.","date_sent_to_company":"2025-11-17T16:02:29.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"026XX","tags":null,"has_narrative":true,"complaint_id":"17305139","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-11-17T15:58:28.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have reached out to XXXX support team multiple times seeking clarification, but each response was a generic statement that my <em>account</em> could not be reopened. No <em>specific</em> <em>reason</em> or evidence has been provided, and I have not been informed of any steps I can take to resolve the issue. \n\nTo my knowledge, I did not violate any terms of service. I would like XXXX  to conduct a full review of my <em>account</em> and provide : 1. The <em>specific</em> <em>reason</em> for the <em>account</em> <em>closure</em>, 2."],"issue":["Managing, opening, or closing your mobile wallet <em>account</em>"]},"sort":[22.8742,"17305139"]},{"_index":"complaint-public-v1","_id":"17764006","_score":22.720846,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chase Bank closed my account without providing a clear or specific explanation. I received no detailed notification of the reason for the closure, nor was I given the opportunity to clarify or correct any issues. \n\nI have tried to obtain an explanation by contacting Chase, but I only receive generic responses stating that they can not provide further information for security reasons. I require a formal explanation as to why my account was closed, as well as a full review of the case. \n\nI also request confirmation of the status of my funds and official documentation of the closure. \n\nI request the CFPB 's intervention to compel Chase to provide a clear explanation and review its procedures, as this action has harmed me without any apparent justification.","date_sent_to_company":"2025-11-22T00:58:18.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"40229","tags":null,"has_narrative":true,"complaint_id":"17764006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-22T00:38:00.000Z","state":"KY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Chase Bank closed my <em>account</em> without providing a clear or <em>specific</em> explanation. I received no <em>detailed</em> notification of the <em>reason</em> for the <em>closure</em>, nor was I given the opportunity to clarify or correct any issues. \n\nI have tried to obtain an explanation by contacting Chase, but I only receive generic responses stating that they can not provide further information for security <em>reasons</em>. I require a formal explanation as to why my <em>account</em> was closed, as well as a full review of the case."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[22.720846,"17764006"]},{"_index":"complaint-public-v1","_id":"20236008","_score":22.625479,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am submitting this complaint regarding the closure of my account by Cash App, a service operated by Block , Inc. My account was recently closed with the explanation that I allegedly violated Cash Apps policies. I immediately contacted customer support and requested clarification about what specific policy or rule I had violated. I was informed that my case would be reviewed. \n\nAfter approximately XXXX days, I received another response stating the same general claim that I had violated Cash Apps policies, but again no specific policy, rule, or explanation was provided. When I contacted customer support again, the representatives were unable to provide any information regarding the alleged violation. In fact, XXXX representative stated they did not have a clear reason for the account closure. \n\nAs the account holder, I believe I am entitled to at least a basic explanation of the alleged policy violation that resulted in the termination of my account. Without that information, I am unable to understand what occurred, correct any potential issue, or determine whether the account closure was made in error. \n\nI am respectfully requesting that Cash App provide a clear explanation identifying the specific policy or rule they believe was violated, as well as any supporting information used to make the determination to close my account. If the closure was made in error, I request that my account be reconsidered and restored. \n\nAdditionally, I am requesting that this matter receive a thorough review and that a clear explanation be provided regarding the basis for this decision. As a consumer, I believe transparency and fair treatment are essential when financial service providers take actions that significantly affect a customer 's access to their account. I would appreciate a detailed response addressing my concerns and clarifying the specific reason for the account closure.","date_sent_to_company":"2026-03-13T13:47:26.000Z","issue":"Confusing or missing disclosures","sub_product":"Mobile or digital wallet","zip_code":"08902","tags":null,"has_narrative":true,"complaint_id":"20236008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-03-13T13:30:05.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["As a consumer, I believe transparency and fair treatment are essential when financial service providers take actions that significantly affect a customer 's access to their <em>account</em>. I would appreciate a <em>detailed</em> response addressing my concerns and clarifying the <em>specific</em> <em>reason</em> for the <em>account</em> <em>closure</em>."]},"sort":[22.625479,"20236008"]},{"_index":"complaint-public-v1","_id":"10484684","_score":22.409376,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, I received two notices from Capital One stating that my credit card accounts ( ending in XXXX and XXXX ) were closed due to non-compliance with their Customer Agreement and the inability to verify the documents I had provided. After reviewing my transaction history, I found no irregularities or activities that violated the agreement. All transactions were legitimate, including transfers to and from family members for shared expenses, loans, and repayments. \n\nOn XX/XX/year>, I sent a formal letter to Capital Ones customer service, requesting an explanation and offering to provide additional documentation to support the legitimacy of my transactions and the authenticity of the documents. However, despite this effort, I never received a response addressing my specific concerns. \n\nOn XX/XX/year>, I received a follow-up letter from Capital One stating that my accounts had been closed and that I was no longer able to make transactions. The letter also referenced a previous letter that supposedly explained the reasons for the account closures, but I never received that communication. This lack of transparency and the failure to provide a clear explanation for the account closures has caused significant financial inconvenience and disruption to my plans. \n\nActions taken by me : Sent a detailed letter to Capital One on XX/XX/year>, requesting an explanation and offering additional documentation. \n\nMaintained a consistent record of on-time payments and responsible account management before the closures. \n\nTried to resolve the issue directly with Capital One through multiple communications. \nActions taken by the company : Capital One closed both of my credit card accounts on XX/XX/year>, without providing a detailed explanation. \n\nThe company claims to have sent an additional letter explaining the reasons for the closures, but I never received this communication. \n\nOn XX/XX/year>, they sent a letter confirming the account closures but failed to address my specific concerns or provide any new information.","date_sent_to_company":"2024-10-18T00:11:16.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"33137","tags":null,"has_narrative":true,"complaint_id":"10484684","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-10-17T22:57:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Actions taken by the company : Capital One closed both of my credit card <em>accounts</em> on XX/XX/year>, without providing a <em>detailed</em> explanation. \n\nThe company claims to have sent an additional letter explaining the <em>reasons</em> for the <em>closures</em>, but I never received this communication. \n\nOn XX/XX/year>, they sent a letter confirming the <em>account</em> <em>closures</em> but failed to address my <em>specific</em> concerns or provide any new information."],"issue":["Closing your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[22.409376,"10484684"]},{"_index":"complaint-public-v1","_id":"9407384","_score":22.216187,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am of legal age required to obtain an unrestricted financial services account ; that allow a person to send and receive money, money can be withdrawn and a prepaid debit card can be issued for said above account. It is unclear to me how long I held the account before the action was taken. \n\nCash-app took an action against my account that was unfavorable for reasons to broad and or ambiguous for me to understand. I contacted them by way of chat and requested to know the specific reason detailed that my account was suspended followed by closed without contacting me, in a timely manner regarding this claim against me, providing me with Due Process Protection under the law. Furthermore, I have contacted them numerous times on different occasions trying to find out exactly the reason for the closing of my account, and wanted them to provide me a reason for not contacting me in advance regarding this said issue that caused the closure.\n\nIn addition to the run around whenever I contact them. I believe I am a victim of unfair business practices in which my guaranteed protection under the Constitution of the United States was violated in a way that is malicious and unconstitutional. \nI am again formally requesting the specific reason for the closure and the evidence of me willfully ignoring and violating cashapp policies.","date_sent_to_company":"2024-07-02T14:52:22.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"94602","tags":null,"has_narrative":true,"complaint_id":"9407384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-07-02T14:20:06.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am again formally requesting the <em>specific</em> <em>reason</em> for the <em>closure</em> and the evidence of me willfully ignoring and violating cashapp policies."]},"sort":[22.216187,"9407384"]},{"_index":"complaint-public-v1","_id":"13937128","_score":21.940504,"_source":{"product":"Credit card","complaint_what_happened":"Company : Bank of America Product : Credit card Issue : Account was closed without notice or explanation Consumers Description : I have been a Bank of America credit card customer for over XXXX years. Ive always paid my balances on timeoften earlyand have never missed a payment or violated any terms. Despite this, Bank of America abruptly closed my credit card account without prior notice and provided only a vague explanation that it was due to risk. No specific reason was given, and my account was in excellent standing at the time of closure. \n\nAfter I contacted them to request a more detailed explanation and to dispute the decision, they refused to provide further clarification. Even more concerning, they permanently withheld my accumulated reward points, which I had earned through responsible card usage. \n\nAfter I submitted a formal complaint directly to Bank of America, they escalated the situation by initiating the closure of my checking account as wellagain, with no specific reason provided. This feels retaliatory and unprofessional, particularly as I still had funds in the account and have not engaged in any questionable or prohibited financial activity. \n\nI am requesting a full written explanation of the closure decisions, the reinstatement or payout of my earned rewards points, and a formal review of whether these actions constitute an unfair or retaliatory business practice.","date_sent_to_company":"2025-06-06T19:14:07.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"11354","tags":null,"has_narrative":true,"complaint_id":"13937128","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-06-06T19:04:04.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["No <em>specific</em> <em>reason</em> was given, and my <em>account</em> was in excellent standing at the time of <em>closure</em>. \n\nAfter I contacted them to request a more <em>detailed</em> explanation and to dispute the decision, they refused to provide further clarification. Even more concerning, they permanently withheld my accumulated reward points, which I had earned through responsible card usage."],"issue":["Closing your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[21.940504,"13937128"]},{"_index":"complaint-public-v1","_id":"10598274","_score":21.871567,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Account Closure Inquiry Unable to Provide Account Number Due to Account Lock I am writing to formally document the recent developments concerning my Marcus by Goldman Sachs account. \n\nBackground : Account Opening Date : XX/XX/year> Current Status : Locked and closed as of XX/XX/year> Timeline of Events : 1. On XX/XX/year>, I attempted to access my account via the Marcus mobile app and received a message indicating that my account was locked, requiring me to contact customer service. \nXXXX. I called Marcus customer service on XX/XX/year>, and spoke with four representatives. After discussing the issue, I was transferred to a specialist who informed me that a business decision had been made to close my account. The reasons provided included possibilities such as fraudulent information or illegal activity, but no specific details were given. \nXXXX. Unsatisfied with the initial response, I made a follow-up call on XX/XX/year> and spoke with a specialist named XXXX. I requested to speak with a supervisor and was informed that supervisors are available XXXX  through XXXX, and a request for a call-back was submitted. \n\nConcerns : Lack of Transparency : I have not been provided with specific reasons for the closure of my account, which is concerning. This lack of communication has affected my trust in the institution.\n\nFinancial Impact : The closure of my account without prior warning or notification has the potential to impact my financial standing. \nNo Prior Warning : I did not receive any warning or notification before the closure, which is not only unsettling but also unfair. \n\nRequests : XXXX. I am requesting a detailed explanation regarding the closure of my account, including any specific activities or information that led to this decision. \nXXXX. Please provide written confirmation of the account closure and the reasons behind it. \nXXXX. I also request the full refund of my {$500.00} deposit, as previously mentioned by your representatives. \n\nI would appreciate a prompt response to this letter, ideally before my scheduled supervisor call. This will allow me to have a more informed discussion and seek a resolution effectively.","date_sent_to_company":"2024-10-29T02:41:04.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"11411","tags":"Servicemember","has_narrative":true,"complaint_id":"10598274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-10-29T02:26:41.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I am requesting a <em>detailed</em> explanation regarding the <em>closure</em> of my <em>account</em>, including any <em>specific</em> activities or information that led to this decision. \nXXXX. Please provide written confirmation of the <em>account</em> <em>closure</em> and the <em>reasons</em> behind it. \nXXXX. I also request the full refund of my {$500.00} deposit, as previously mentioned by your representatives. \n\nI would appreciate a prompt response to this letter, ideally before my scheduled supervisor call."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Savings <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[21.871567,"10598274"]},{"_index":"complaint-public-v1","_id":"10785540","_score":21.804512,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Request for Assistance with TD Bank Account Closure and Placement in XXXX XXXX XXXX XXXXXXXX Dear Consumer Financial Protection Bureau, I am writing to seek assistance regarding the recent closure of my account with TD Bank. Without prior notice or detailed explanation, TD Bank closed my account, and I was subsequently reported to XXXX XXXX XXXX and XXXX, which has significantly impacted my ability to open an account with any other financial institution. \n\nI have contacted TD Bank for clarification on the reasons behind this decision, but they have not provided specific information regarding why my account was closed or what actions led to my placement in XXXX XXXX XXXX XXXX XXXX. As a result, I am unable to address or resolve the issue because I am unaware of any alleged account misuse or violations. \n\nI am requesting the CFPBs assistance in obtaining the following from TD Bank : XXXX. A detailed explanation of the specific reasons for my account closure and my placement in XXXX XXXX XXXX XXXX XXXXXXXX. \nXXXX. Steps I can take to clear my name from these systems so that I may regain access to basic banking services. \nXXXX. Clarification on any outstanding obligations or requirements, if applicable, that I need to meet in order to resolve this matter. \n\nThis issue has made it impossible for me to open accounts at other banks, which has disrupted my financial well-being and access to essential banking services. I would appreciate the CFPBs support in helping me address this situation and, if possible, to have TD Bank assist in removing my name from XXXX XXXX XXXX XXXX XXXXXXXX upon resolution. \n\nThank you for your time and assistance with this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-11-13T18:57:24.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"076XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10785540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2024-11-13T18:39:45.000Z","state":"NJ","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["A <em>detailed</em> explanation of the <em>specific</em> <em>reasons</em> for my <em>account</em> <em>closure</em> and my placement in XXXX XXXX XXXX XXXX XXXXXXXX. \nXXXX. Steps I can take to clear my name from these systems so that I may regain access to basic banking services. \nXXXX. Clarification on any outstanding obligations or requirements, if applicable, that I need to meet in order to resolve this matter."],"product":["Checking or savings <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Unable to open an <em>account</em>"]},"sort":[21.804512,"10785540"]},{"_index":"complaint-public-v1","_id":"11987045","_score":21.65804,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I created a Cash App account, and without warning, it was immediately closed for no stated reason. When I attempted to open a new account, I was falsely informed that my device was involved in a policy violationan allegation I strongly deny. \n\nI have never violated any terms, yet Cash App refuses to provide a specific reason or evidence for this wrongful account closure. Despite multiple escalations, including complaints to CFPB, FTC, and XXXX Cash App has only responded with vague, automated replies that do not address my concerns. \n\nI have repeatedly requested : A clear, detailed explanation of why my account was closed. \nProof or documentation of any alleged violations. \nA fair opportunity to dispute this decision and reinstate my account. \nInstead of properly addressing my concerns, Cash App closed my case without resolution and continues to deny me access to their platform. This wrongful restriction has caused financial harm and disrupted my ability to conduct business. \n\nI am requesting immediate action to review this case thoroughly, provide a specific justification for the account closure, and remove the unfair device ban so I can access the services I rightfully deserve.","date_sent_to_company":"2025-02-07T23:11:58.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"76244","tags":null,"has_narrative":true,"complaint_id":"11987045","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-02-07T23:04:32.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I created a Cash App <em>account</em>, and without warning, it was immediately closed for no stated <em>reason</em>. When I attempted to open a new <em>account</em>, I was falsely informed that my device was involved in a policy violationan allegation I strongly deny. \n\nI have never violated any terms, yet Cash App refuses to provide a <em>specific</em> <em>reason</em> or evidence for this wrongful <em>account</em> <em>closure</em>."],"issue":["Managing, opening, or closing your mobile wallet <em>account</em>"]},"sort":[21.65804,"11987045"]},{"_index":"complaint-public-v1","_id":"14354858","_score":21.64675,"_source":{"product":"Checking or savings account","complaint_what_happened":"For the past nine months, my husband has been using direct deposit to deposit his wages from his employer directly into my personal checking account without issue. Recently, his employer changed their payment method to paper checks. On XX/XX/year>, I deposited his paycheck into my account at [ Bank Name ], consistent with the previous pattern of deposits. \n\nTo my surprise, I discovered shortly thereafter that all of my bank accounts had been closed without any prior notice or communication from your institution. I immediately contacted customer service on XX/XX/year>, seeking clarification. Unfortunately, I was told that no reason could be provided for the account closures. \n\nThis situation has caused significant distress and inconvenience. I have been a loyal customer, and the abrupt closure of my accounts without explanation or warning is unacceptable. I respectfully request a detailed written explanation of the reason for the closures and the specific policy or issue that prompted this action. Additionally, I request immediate access to any remaining funds in the closed accounts and assistance in resolving this matter promptly.","date_sent_to_company":"2025-06-30T06:00:43.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"841XX","tags":null,"has_narrative":true,"complaint_id":"14354858","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-06-30T05:49:21.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I have been a loyal customer, and the abrupt <em>closure</em> of my <em>accounts</em> without explanation or warning is unacceptable. I respectfully request a <em>detailed</em> written explanation of the <em>reason</em> for the <em>closures</em> and the <em>specific</em> policy or issue that prompted this action. Additionally, I request immediate access to any remaining funds in the closed <em>accounts</em> and assistance in resolving this matter promptly."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[21.64675,"14354858"]},{"_index":"complaint-public-v1","_id":"9002983","_score":21.588814,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Chase, I am writing to formally address an issue that occurred with my account, which was unexpectedly closed by Chase. Below, I have detailed the sequence of events, including dates and actions taken by both myself and Chase, to request your assistance in resolving this matter. \n\nIncident Description : Date of Notification : XXXX week ago I received notification from Chase indicating that my account would be closed. No specific reasons were provided for this action. \nClosure Communication : It was communicated that the account would not officially close for an additional XXXX weeks, and any remaining funds would be sent to me thereafter. \nImmediate Concern : The delayed closure and the withholding of funds have put me in a financial predicament as I need the available funds to meet upcoming financial obligations, specifically to pay my credit card bill due soon. \nActions Taken : Inquiry to Chase : Upon receiving the closure notification, I contacted Chase customer service to understand the reasons behind the account closure and to express my need for the funds to be released earlier due to my pending financial commitments. \nResponse from Chase : The representatives refused to provide any explanation for the closure or accommodate an earlier release of the funds. \n\n\nThank you for your attention to this matter. I am looking forward to your prompt response to help resolve this issue. \n\nSincerely,","date_sent_to_company":"2024-05-14T20:42:31.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"46038","tags":null,"has_narrative":true,"complaint_id":"9002983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-05-14T20:32:29.000Z","state":"IN","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Dear Chase, I am writing to formally address an issue that occurred with my <em>account</em>, which was unexpectedly closed by Chase. Below, I have <em>detailed</em> the sequence of events, including dates and actions taken by both myself and Chase, to request your assistance in resolving this matter. \n\nIncident Description : Date of Notification : XXXX week ago I received notification from Chase indicating that my <em>account</em> would be closed. No <em>specific</em> <em>reasons</em> were provided for this action."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[21.588814,"9002983"]},{"_index":"complaint-public-v1","_id":"16955623","_score":21.534843,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"My Cash App account was closed without clear explanation. I did not receive any notice of violation or request for verification prior to the closure. I was not engaged in fraud or illegal activity. All activity on the account was with legal, regulated merchants and gambling is legal in my state.\n\nI use Cash App for regular day-to-day personal transactions and would like to continue doing so. I have been a long-time user with no prior issues. Cash App has stated the decision is final but has not provided a specific reason, which prevents me from correcting or understanding what triggered the closure.\n\nI am requesting that my account be reinstated or that a more detailed written explanation be provided so that I can remedy the issue if possible.","date_sent_to_company":"2025-10-31T10:40:24.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"21060","tags":"Servicemember","has_narrative":true,"complaint_id":"16955623","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-10-31T10:35:17.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Cash App has stated the decision is final but has not provided a <em>specific</em> <em>reason</em>, which prevents me from correcting or understanding what triggered the <em>closure</em>.\n\nI am requesting that my <em>account</em> be reinstated or that a more <em>detailed</em> written explanation be provided so that I can remedy the issue if possible."],"issue":["Managing, opening, or closing your mobile wallet <em>account</em>"]},"sort":[21.534843,"16955623"]},{"_index":"complaint-public-v1","_id":"14786209","_score":21.438461,"_source":{"product":"Credit card","complaint_what_happened":"In the first week of XXXX, I was notified that my account was closed by Synchrony, the card issuer, due to a \" risk '' identified during a routine audit. This determination was made without providing any specific reasoning or supporting evidence. I would like to highlight that I have maintained a flawless credit history over the past XXXX years, with no late payments or delinquencies on any credit card account. \n\nWhile I respect Synchrony 's right to close accounts at their discretion, I strongly object to the forfeiture of the {$460.00} in cashback rewards that I rightfully earned prior to the account closure. Initially, Synchrony 's customer service assured me that the cashback would be refunded within XXXX  days. However, I later received a written notice stating that, under your terms, cashback is forfeited upon account closure. \n\nThis policy appears unfair and unreasonableespecially when the account closure was unilateral and unexplained, and there is no history of misuse or delinquency on my part. I am therefore requesting the following : A full refund of the {$460.00} in cashback rewards I earned. \n\nA reconsideration and reversal of the account closure, or at minimum, a detailed explanation of the specific reasons for marking the account as \" risky. '' I hope this issue can be resolved amicably and fairly. I look forward to your prompt attention to this matter.","date_sent_to_company":"2025-07-20T17:53:02.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"94555","tags":null,"has_narrative":true,"complaint_id":"14786209","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-07-20T17:34:15.000Z","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 with rewards from credit card"},"highlight":{"complaint_what_happened":["This policy appears unfair and unreasonableespecially when the <em>account</em> <em>closure</em> was unilateral and unexplained, and there is no history of misuse or delinquency on my part. I am therefore requesting the following : A full refund of the {$460.00} in cashback rewards I earned. \n\nA reconsideration and reversal of the <em>account</em> <em>closure</em>, or at minimum, a <em>detailed</em> explanation of the <em>specific</em> <em>reasons</em> for marking the <em>account</em> as \" risky. '' I hope this issue can be resolved amicably and fairly."]},"sort":[21.438461,"14786209"]},{"_index":"complaint-public-v1","_id":"13081633","_score":21.430363,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally express my concern regarding the recent closure of XXXX of my Chase credit card accountstwo personal and XXXX business. XXXX of these closures occurred while I was traveling overseas, and at the time, they were the only cards I had access to. I hope you can appreciate how inconvenient and difficult this situation was for me. \n\nThis specific complaint pertains to my business credit card ending in XXXX, which was closed just a week or XXXX after it was opened and while I was overseas on a business trip relying on this card. I am requesting a clear and specific explanation for the closure of this account, rather than the vague and seemingly unrelated reasons provided in previous communications. ( attached from Chase ) Furthermore, I have been informed, as per the attached letter, that XXXX the exclusive credit card partner of XXXX XXXX not allowing me to hold any credit cards with their institution. I am unsure whether this blanket denial is fair or legally justifiable. \n\nI would appreciate a detailed and transparent explanation regarding this matter and guidance on any potential recourse available. \n\nSincerely,","date_sent_to_company":"2025-04-21T02:52:58.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"77019","tags":null,"has_narrative":true,"complaint_id":"13081633","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-04-21T02:30:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I am requesting a clear and <em>specific</em> explanation for the <em>closure</em> of this <em>account</em>, rather than the vague and seemingly unrelated <em>reasons</em> provided in previous communications. ( attached from Chase ) Furthermore, I have been informed, as per the attached letter, that XXXX the exclusive credit card partner of XXXX XXXX not allowing me to hold any credit cards with their institution. I am unsure whether this blanket denial is fair or legally justifiable."],"issue":["Closing your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[21.430363,"13081633"]},{"_index":"complaint-public-v1","_id":"9417262","_score":21.40357,"_source":{"product":"Checking or savings account","complaint_what_happened":"Re : Closure of Account Request for Explanation and Reconsideration Reference Number : XXXX To Whom It May Concern, I am writing in response to the letter dated XX/XX/year>, which I received from your office, informing me of the impending closure of my account ( account number XXXX ) effective XX/XX/year>. I am deeply concerned and perplexed by this decision, which appears to have been made without prior notice or explanation. \n\nAs a loyal customer of TD Bank, I find this action unjustified and detrimental to my financial wellbeing. The letter states that TD Bank can no longer support my banking relationship due to an internal review, but it fails to provide any specific reasons or evidence for this decision. This lack of transparency is unacceptable, and I demand a clear and detailed explanation for the closure of my account. \n\nI require the following information as a matter of urgency : 1. A comprehensive explanation of the reasons behind the decision to close my account. \n2. Any specific findings from the internal review that led to this decision. \n3. Details of any alleged breaches or issues related to my account. \n\nUntil these details are provided, I formally request that the closure of my account be suspended. I also expect immediate clarification regarding this matter to avoid any unnecessary disruption to my financial affairs. \n\nPlease treat this letter as a formal notice of dispute regarding the closure of my account. I expect a written response within 7 business days from the date of this letter. Failure to provide a satisfactory explanation will compel me to seek legal advice and explore further actions to resolve this matter. \n\nI hope that TD Bank will handle this situation with the urgency and seriousness it deserves. \n\nYours faithfully,","date_sent_to_company":"2024-07-03T18:43:19.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9417262","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2024-07-03T18:37:12.000Z","state":null,"company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The letter states that TD Bank can no longer support my banking relationship due to an internal review, but it fails to provide any <em>specific</em> <em>reasons</em> or evidence for this decision. This lack of transparency is unacceptable, and I demand a clear and <em>detailed</em> explanation for the <em>closure</em> of my <em>account</em>. \n\nI require the following information as a matter of urgency : 1. A comprehensive explanation of the <em>reasons</em> behind the decision to close my <em>account</em>. \n2."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[21.40357,"9417262"]},{"_index":"complaint-public-v1","_id":"11349313","_score":21.316177,"_source":{"product":"Credit card","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Unjust Account Closure by Goldman Sachs Bank Dear CFPB Team , I am filing this complaint regarding the unjust and unexplained closure of my Apple Card account, issued by Goldman Sachs Bank XXXX \n\nOn XXXX, Goldman Sachs Bank informed me that my account was closed. Despite my efforts to obtain clarification, I was provided no detailed or specific explanation for this action. The bank stated that the decision was based on a flag, but they refused to provide any further information to justify this closure. \n\nI have consistently managed my account responsibly, adhering to all terms and conditions. The abrupt and unexplained closure has caused significant inconvenience and disrupted my financial stability. Furthermore, the lack of transparency from Goldman Sachs Bank prevents me from understanding or addressing any alleged issues. \n\nDetails of My Request to Goldman Sachs Bank 1. I requested a clear explanation of the reason for the account closure.\n\n2. I requested a review of the decision, including the basis for the flag.\n\n3. I requested the reinstatement of my Apple Card account if no valid justification for the closure exists.\n\nDesired Resolution I ask the CFPB to assist in resolving this issue by compelling Goldman Sachs Bank to : Provide a detailed explanation for the account closure.\n\nReopen my Apple Card account if no valid reason is found.\n\nThis matter has caused me undue stress and financial inconvenience, and I feel it is unfair and inconsistent with consumer rights.\n\nSupporting Information Bank Name : Goldman Sachs Bank USA Account Type : Apple Card Address : XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX I trust the CFPB to investigate this matter and ensure Goldman Sachs Bank adheres to fair and transparent banking practices. \n\nThank you for your attention to this complaint. I am happy to provide additional information if necessary. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX New Jersey","date_sent_to_company":"2025-01-03T03:53:36.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"07036","tags":null,"has_narrative":true,"complaint_id":"11349313","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-01-03T03:25:13.000Z","state":"NJ","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I requested a clear explanation of the <em>reason</em> for the <em>account</em> <em>closure</em>.\n\n2. I requested a review of the decision, including the basis for the flag.\n\n3. I requested the reinstatement of my Apple Card <em>account</em> if no valid justification for the <em>closure</em> exists.\n\nDesired Resolution I ask the CFPB to assist in resolving this issue by compelling Goldman Sachs Bank to : Provide a <em>detailed</em> explanation for the <em>account</em> <em>closure</em>.\n\nReopen my Apple Card <em>account</em> if no valid <em>reason</em> is found."],"issue":["Closing your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[21.316177,"11349313"]},{"_index":"complaint-public-v1","_id":"9136893","_score":21.249731,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally lodge a complaint regarding the sudden closure of my bank account by JPMorgan Chase Bank , N.A . ( \" Chase '' ). Despite my efforts to obtain information, Chase has not provided any explanation or justification for the closure. I can not remember the exact dates and Chase refuses to give me those dates but I do know that my account was closed before XXXX. After that I was approved for a credit card through Chase from Amazon XXXX and which I received the letter then my account will be closed as of XX/XX/XXXX and I was given no reason or explanation as of why. I contacted Chases customer service department in XXXX of XXXX to inquire about the reasons for the closure of my account. Unfortunately, I was informed that they could not provide me with any specific details or reasons for this action. I made multiple attempts to seek clarification both via phone and in-person at my local branch, but each effort was met with the same response.The lack of transparency and communication from Chase has caused me significant inconvenience and distress. As a customer, I believe I have the right to understand why my account was closed and to receive a formal explanation.I am requesting the Consumer Financial Protection Bureau to assist me in obtaining a clear and detailed explanation from Chase regarding the closure of my account. Additionally, I would appreciate any guidance or assistance that the CFPB can provide to ensure that this matter is resolved promptly and fairly.","date_sent_to_company":"2024-05-30T17:35:39.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"94509","tags":null,"has_narrative":true,"complaint_id":"9136893","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-05-30T16:56:33.000Z","state":"CA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["After that I was approved for a credit card through Chase from Amazon XXXX and which I received the letter then my <em>account</em> will be closed as of XX/XX/XXXX and I was given no <em>reason</em> or explanation as of why. I contacted Chases customer service department in XXXX of XXXX to inquire about the <em>reasons</em> for the <em>closure</em> of my <em>account</em>. Unfortunately, I was informed that they could not provide me with any <em>specific</em> details or <em>reasons</em> for this action."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[21.249731,"9136893"]},{"_index":"complaint-public-v1","_id":"20045088","_score":21.155085,"_source":{"product":"Credit card","complaint_what_happened":"I am not satisfied with Capital Ones response. \n\nI was informed that the closure of accounts ending in XXXX, XXXX, and XXXX was connected to the investigation of a XXXX account ending in XXXX. However, Capital One ultimately determined that I was responsible for the balances on the former XXXX accounts. Despite finding me liable, they still proceeded to permanently close the accounts and refuse reopening. \n\nThis is contradictory. \n\nIf the accounts were closed due to suspected fraud, and Capital Ones investigation concluded that I am responsible for the charges, then the basis for continued closure is unclear. I called them throughout the months of XXXX, XXXX and XXXX of XXXX pleading for these accounts to be reopened and sending affidavits confirming that these are in fact my accounts and need to be reopened, the never responded to my documentation. A fraud-based closure followed by a determination of liability should logically resolve the fraud concern. Instead, Capital One maintained the closure without providing a new or specific justification. \n\nThese accounts were closed without meaningful explanation and without providing a clear adverse action reason as required under the Equal Credit Opportunity Act ( ECOA ) and Regulation B. A vague reference to internal information does not satisfy the requirement to provide specific reasons for adverse action. \n\nIf the XXXX account was confirmed as identity theft and removed, and the remaining XXXX accounts were determined to be valid and my responsibility, then the original fraud concern should not justify the continued closure of the legitimate accounts. \n\nCapital One has not provided : A clear, specific reason for closing the XXXX legitimate accounts The policy or contractual provision relied upon Clarification as to whether the closure is fraud-based, risk-based, or discretionary A copy of any adverse action notice explaining the decision Closing legitimate accounts after determining they were not fraudulent and while holding me financially responsible without providing a transparent explanation raises serious concerns regarding procedural fairness and compliance with Regulation B ( ECOA adverse action requirements ). \n\nAdditionally, the accounts were restricted during this process, limiting my ability to manage and maintain them. \n\nI am formally requesting : 1. A detailed written explanation for why the XXXX legitimate accounts remain closed after the fraud determination cleared them.\n\n2. Identification of the exact factors relied upon to refuse reopening.\n\n3. A copy of any adverse action notice issued.\n\n4. A good-faith reconsideration of reopening these accounts.","date_sent_to_company":"2026-03-06T18:55:39.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"20045088","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-03-06T18:39:56.000Z","state":"MI","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["A vague reference to internal information does not satisfy the requirement to provide <em>specific</em> <em>reasons</em> for adverse action. \n\nIf the XXXX <em>account</em> was confirmed as identity theft and removed, and the remaining XXXX <em>accounts</em> were determined to be valid and my responsibility, then the original fraud concern should not justify the continued <em>closure</em> of the legitimate <em>accounts</em>."],"issue":["Closing your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[21.155085,"20045088"]},{"_index":"complaint-public-v1","_id":"19411015","_score":21.142273,"_source":{"product":"Credit card","complaint_what_happened":"Hello dear Team, I am submitting this complaint regarding the closure of my credit card account by First National Bank of Omaha. \n\nI maintained this account for approximately three years and 9 months. During that time, I used the card responsibly and in accordance with the terms and conditions. I actively used the card, including making substantial purchases, and I believe I maintained a positive payment history and complied with all account requirements. \n\nLast month, my account was closed by the bank without prior warning. When I contacted the bank for clarification, I was informed only that the closure was due to risk, but no specific explanation or supporting details were provided. Despite requesting further clarification, I have not received a clear or detailed reason for the decision. \n\nI firmly believe that I did not violate any terms or conditions of the account agreement. The lack of transparency regarding the closure has negatively affected me, including potential impact on my credit profile and financial planning.","date_sent_to_company":"2026-02-11T07:09:26.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"912XX","tags":null,"has_narrative":true,"complaint_id":"19411015","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST NATIONAL BANK OF OMAHA","date_received":"2026-02-11T06:36:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Last month, my <em>account</em> was closed by the bank without prior warning. When I contacted the bank for clarification, I was informed only that the <em>closure</em> was due to risk, but no <em>specific</em> explanation or supporting details were provided. Despite requesting further clarification, I have not received a clear or <em>detailed</em> <em>reason</em> for the decision. \n\nI firmly believe that I did not violate any terms or conditions of the <em>account</em> agreement."],"issue":["Closing your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[21.142273,"19411015"]},{"_index":"complaint-public-v1","_id":"9995091","_score":21.134224,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Certainly! Heres how you can frame your complaint for an online submission to the Consumer Financial Protection Bureau ( CFPB ) : -- - **Complaint about Unjustified Account Closure by Cash App** **Account Information : ** XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX I am writing to report an issue with Cash App, which has unjustifiably closed my account without any clear explanation. On [ insert date ], I received a notification that my account had been closed. Cash App has not provided any specific reason for this action, nor have they given me a chance to address any concerns or issues that might have led to this closure. \n\n**Details of the Issue : ** XXXXCash App failed to provide a clear explanation for the closure of my account. I have not been informed of any specific policy violations or reasons behind this decision. \n\nXXXX.I did not receive any prior warnings or notifications indicating that my account might be at risk. This lack of communication prevented me from resolving any potential issues beforehand. \n\nI have made multiple attempts to contact Cash App 's customer support to seek clarification and resolve this matter. Unfortunately, I have not received any satisfactory responses or solutions. \n\n**Requested Resolution : ** XXXX.I request that my account be reinstated. \n\nXXXXI seek a detailed explanation for why my account was closed, including any specific actions or policies that led to this decision. \n\nXXXX.I ask that Cash App review their procedures to ensure transparent and fair handling of account closures in the future. \n\nI would appreciate your assistance in addressing this matter and facilitating a resolution. Thank you for your attention to this issue. \n\nSincerely, XXXX XXXX XXXX Make sure to replace placeholders with your actual details and adjust any information to better reflect your specific situation.","date_sent_to_company":"2024-09-02T04:45:14.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"10457","tags":null,"has_narrative":true,"complaint_id":"9995091","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-09-02T04:38:38.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Cash App has not provided any <em>specific</em> <em>reason</em> for this action, nor have they given me a chance to address any concerns or issues that might have led to this <em>closure</em>. \n\n**Details of the Issue : ** XXXXCash App failed to provide a clear explanation for the <em>closure</em> of my <em>account</em>. I have not been informed of any <em>specific</em> policy violations or <em>reasons</em> behind this decision. \n\nXXXX.I did not receive any prior warnings or notifications indicating that my <em>account</em> might be at risk."],"issue":["Managing, opening, or closing your mobile wallet <em>account</em>"]},"sort":[21.134224,"9995091"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":216,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":216}]}},"product":{"doc_count":216,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":80,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":69},{"key":"Other banking product or service","doc_count":8},{"key":"Savings account","doc_count":3}]}},{"key":"Credit 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