{"took":163,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":12656,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"20067098","_score":11.396298,"_source":{"product":"Debt collection","complaint_what_happened":"In 2024 I purchased a phone from XXXX while traveling for business. I initially received a XXXXXXXX XXXX device but decided to exchange it within XXXX allowed return window. XXXX shipped replacement XXXX devices and provided a return box for the XXXX. I promptly returned the XXXXXXXX XXXX  device according to XXXX instructions. \nDespite returning the device, XXXX continued charging monthly device payments for the XXXX. I contacted XXXX customer support multiple times to correct the billing error. During my most recent call, a XXXX representative confirmed that their system shows the device was returned but that the system failed to trigger the credit that should have removed the device payments. The representative attempted to apply a manual credit but stated the system denied the adjustment. \nSince XX/XX/year>, XXXX has charged me approximately {$27.00} per month for the returned device. I have made approximately XXXX payments totaling about {$550.00} for a device that XXXX confirmed was returned. \nXXXX subsequently sent a balance of {$610.00} to Transworld Systems Inc. ( TSI ) for collection related to the returned device. \nThis debt is invalid because the device was returned to XXXX and the balance exists only due to a billing/system error on XXXX side. I have already filed a complaint with the FCC regarding this issue. \nRequested Resolution : Remove the {$610.00} balance related to the returned device Recall the account from collections Refund the device payments already charged for the returned Pixel device ( approximately {$27.00} per month since XX/XX/year> ) Confirm that no negative credit reporting will occur","date_sent_to_company":"2026-03-07T16:52:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"598XX","tags":null,"has_narrative":true,"complaint_id":"20067098","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2026-03-07T16:44:13.000Z","state":"MT","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I initially received a XXXXXXXX XXXX <em>device</em> but decided to exchange it within XXXX allowed return window. XXXX shipped replacement XXXX <em>devices</em> and provided a return box for the XXXX. I promptly returned the XXXXXXXX XXXX  <em>device</em> according to XXXX instructions. \nDespite returning the <em>device</em>, XXXX continued charging monthly <em>device</em> payments for the XXXX. I contacted XXXX customer support multiple times to correct the billing error."]},"sort":[11.396298,"20067098"]},{"_index":"complaint-public-v1","_id":"2089945","_score":11.223069,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX charged me for streaming on a device they said would be comparable to Clears device for internet. I called sprint to continue service for internet when XXXX went out of business. The person said they would send me a device comparable to the device that XXXX had. I was also referred to XXXX after XXXX went out of business. They told me that this device would be the same as XXXX device. They even told me they would charge then same as XXXX. After a few months of being charged {$60.00} a month the device I was using said I was streaming or what ever and said I used the device for something else and changed me XXXX one month. I told them on the date I got the bill I had not used it any other way than as internet and it was supposed to be used for said amount of XXXX. I told them I could not pay more than {$60.00} and they said I had ran up the bill for that month of {$300.00}. They said they would not change and I stopped using the device. I switch to XXXX because a XXXX employee said the device was not the same as XXXX. They in turn have me as owing them as ridiculous amount of {$300.00}. They even have me being called by said collection agency.","date_sent_to_company":"2016-08-31T16:53:41.000Z","issue":"Communication tactics","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"19131","tags":null,"has_narrative":true,"complaint_id":"2089945","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2016-08-31T16:53:41.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["XXXX charged me for streaming on a <em>device</em> they said would be comparable to Clears <em>device</em> for internet. I called sprint to continue service for internet when XXXX went out of business. The person said they would send me a <em>device</em> comparable to the <em>device</em> that XXXX had. I was also referred to XXXX after XXXX went out of business. They told me that this <em>device</em> would be the same as XXXX <em>device</em>. They even told me they would charge then same as XXXX."]},"sort":[11.223069,"2089945"]},{"_index":"complaint-public-v1","_id":"16163746","_score":11.095318,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX XXXX withdrew {$450.00} from my checking account .. a few hours later per the tracking info XXXX requested that XXXX send the device back to them AFTER withdrawing my money from my account ( literally within hours ). Ive been contacting XXXX to figure out what is going on and no one has been able to provide me with an actual reason as to what happened. I never requested a cancellation. Now XXXX is refusing to refund my money until the device reached back to the warehouse but the device never even has a chance to be on my possession. A label was created for the device on XX/XX/XXXX .. XX/XX/XXXX they withdrew my money and on XX/XX/XXXX they told XXXX  to return the device back to sender. Upon checking the XXXX  tracking info the device has been moving all around XXXX  for whatever reason and has been sitting at XXXX  since XX/XX/XXXX .. its is now XX/XX/XXXX and the device is still with XXXX  and the delivery date keeps being pushed back. I did my part and I paid for the device and I never got my merchandise. So now XXXX has my money and XXXX  is holding the device and none of this is due to fault of my own. XXXX  wont even send out a replacement device for this mess up. They are telling me if I want the device Id have to pay them another {$450.00} on top of the {$450.00} they already took from me and havent returned or given me the product.","date_sent_to_company":"2025-09-24T08:55:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"28451","tags":null,"has_narrative":true,"complaint_id":"16163746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-09-24T08:45:49.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Now XXXX is refusing to refund my money until the <em>device</em> reached back to the warehouse but the <em>device</em> never even has a chance to be on my possession. A label was created for the <em>device</em> on XX/XX/XXXX .. XX/XX/XXXX they withdrew my money and on XX/XX/XXXX they told XXXX  to return the <em>device</em> back to sender."]},"sort":[11.095318,"16163746"]},{"_index":"complaint-public-v1","_id":"3008040","_score":11.088648,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX  insurance sent me two XXXX devices that I never used or wanted. I was then billed for the devices, and later sent to collections for them. I have paid for the devices, and returned the devices which I never even wanted in the first place and I still have negative information on my credit report because of it. At this point XXXX owes me money as I have returned the devices but also paid for them, but worst of all my credit score is damaged. on XX/XX/2018 I paid {$110.00} confirmation # XXXX. Also on XX/XX/XXXX I received an email saying Thanks for returning the XXXX devices.","date_sent_to_company":"2018-09-28T12:45:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33324","tags":null,"has_narrative":true,"complaint_id":"3008040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Receivable Management Services LLC","date_received":"2018-09-01T22:24:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX  insurance sent me two XXXX <em>devices</em> that I never used or wanted. I was then billed for the <em>devices</em>, and later sent to collections for them. I have paid for the <em>devices</em>, and returned the <em>devices</em> which I never even wanted in the first place and I still have negative information on my credit report because of it."]},"sort":[11.088648,"3008040"]},{"_index":"complaint-public-v1","_id":"9126527","_score":11.086817,"_source":{"product":"Credit card","complaint_what_happened":"To Whom it May Concern : Attached is a recap of the events leading up to the return of the XXXX XXXX XXXX device purchased on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nThe XXXX XXXX device was sold to myself as a XXXX XXXX device that would help treat my XXXX XXXX XXXX on my body, specifically my XXXX XXXX. It was also sold under the pretense that I could get reimbursed the monies for the device ; if not full reimbursement, partial reimbursement from my medical insurance ( since this was a XXXX XXXX device ). When I received the device at my home, I was surprised once opened, that it appeared to be a used device. There were fingerprints all over the device, box had been opened and re-taped. Clearly, this was not a new XXXX XXXX device. Also, I had asked at the time of purchase, that I did not want to purchase something that was made in XXXX? They assured me that wasnt the case. MADE IN XXXX was the first thing I saw while opening. I proceeded to take it to XXXX of my doctors offices and asked if it was a XXXX XXXX device that would help treat my XXXX XXXX, both doctors let me know that it would do nothing in the treatment of XXXX XXXX. I then contacted my medical insurance and was notified that absolutely nothing would be reimbursed for the device since it was not a XXXX XXXX device. Therefore, my next step was to return the device along with the products they had given me at the time of purchase. The sale was based on fraudulent claims that were untrue. I returned the XXXX XXXX  device and all of the products that were given to me on XX/XX/year> via XXXX XXXX. It was received, accepted and signed for on XX/XX/year> by XXXX. \nAmerican Express was notified to retract the {$13000.00} charge ( which they did ) ; however, the company charged my card again. American Express has retracted the charge for a second time and asked that I give an accounting of what took place with any paperwork I might have. This is the true accounting of what took place. Attached are photos of the device ( when delivered ), a copy of the details of when the delivery of the returned items were received, accepted and signed for and the original receipt. \nThank you so much for your attention to this matter. If there are any questions, please do not hesitate to contact the undersigned. \n\nXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-05-31T19:39:32.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92673","tags":"Older American","has_narrative":true,"complaint_id":"9126527","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-05-29T21:22:37.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["It was also sold under the pretense that I could get reimbursed the monies for the <em>device</em> ; if not full reimbursement, partial reimbursement from my medical insurance ( since this was a XXXX XXXX <em>device</em> ). When I received the <em>device</em> at my home, I was surprised once opened, that it appeared to be a used <em>device</em>. There were fingerprints all over the <em>device</em>, box had been opened and re-taped. Clearly, this was not a new XXXX XXXX <em>device</em>."]},"sort":[11.086817,"9126527"]},{"_index":"complaint-public-v1","_id":"3008029","_score":11.065436,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX  insurance sent me two XXXX devices that I never used or wanted. I was then billed for the devices, and later sent to collections for them. I have paid for the devices, and returned the devices which I never even wanted in the first place and I still have negative information on my credit report because of it. At this point XXXX owes me money as I have returned the devices but also paid for them, but worst of all my credit score is damaged. on XX/XX/2018 I paid {$110.00} confirmation # XXXX. Also on XX/XX/XXXX I received an email saying Thanks for returning the snapshot devices.","date_sent_to_company":"2018-09-01T22:24:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33324","tags":null,"has_narrative":true,"complaint_id":"3008029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-09-01T21:56:52.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX  insurance sent me two XXXX <em>devices</em> that I never used or wanted. I was then billed for the <em>devices</em>, and later sent to collections for them. I have paid for the <em>devices</em>, and returned the <em>devices</em> which I never even wanted in the first place and I still have negative information on my credit report because of it."]},"sort":[11.065436,"3008029"]},{"_index":"complaint-public-v1","_id":"3664756","_score":11.026683,"_source":{"product":"Debt collection","complaint_what_happened":"I received a letter from DS Erickson, an attorney, on XX/XX/XXXX, alleging that I owe a medical debt from XXXX XXXX of {$1300.00}. I have also received notice of the same amount from two other credit collection services, also alleging the same debt. I filed complaints with CFPB for these also. The debt is allegedly from services never received from the XXXX XXXX in Arizona. I completed my medical care with XXXX in XXXX, and received a XXXX XXXX XXXX   that was fully paid by XXXX XXXX as XXXX. I was told there would be no charge to me for the quarterly monitoring of this device. I began receiving bills for monitoring of the device last year : apparently the XXXX device calls XXXX XXXX without me knowing and send them information about my device. I have not gone to XXXX clinic, nor did I call them to monitor the device. This device calls on its own, and then XXXX sends me a bill each time the device calls them for over {$450.00} for each call. I have no ability to stop these calls and I did not authorize them to call or for any services. Again, when XXXX installed the device they promised me that all future monitoring would not be charged to me since this device was implanted at no charge to me as charity.","date_sent_to_company":"2020-05-28T14:21:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"85022","tags":null,"has_narrative":true,"complaint_id":"3664756","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"D.S. Erickson & Associates, PLLC","date_received":"2020-05-22T19:34:31.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I was told there would be no charge to me for the quarterly monitoring of this <em>device</em>. I began receiving bills for monitoring of the <em>device</em> last year : apparently the XXXX <em>device</em> calls XXXX XXXX without me knowing and send them information about my <em>device</em>. I have not gone to XXXX clinic, nor did I call them to monitor the <em>device</em>. This <em>device</em> calls on its own, and then XXXX sends me a bill each time the <em>device</em> calls them for over {$450.00} for each call."]},"sort":[11.026683,"3664756"]},{"_index":"complaint-public-v1","_id":"8695868","_score":11.004393,"_source":{"product":"Debt collection","complaint_what_happened":"I open an account with XXXX XXXX of XXXX. I received XXXX devices in which I traded in XXXX devices and was not supposed to be charged for the devices due to the trade in. My bill was supposed to be XXXX. The first bill that I received was over XXXX dollars, the second bill was over XXXX and the third was over XXXX. Each bill I reached out to the phone number of the representative that I purchase the phone from XXXX and was told that it takes XXXX billing cycles for the credits to be applied to the account. After the third billing cycle still no changes I attempted to reach out and did not receive a response. I sent multiple messages asking for clarification. I finally called into XXXX customer service to discuss the crediting on the account. I explained to them that I had sent all XXXX devices in XXXX box because i only received XXXX return label and that I had to send them in a XXXX XXXX. I gave all of the information that I had at the time. I was told that the devices were received but they did not know where to apply the credits. Then the representative told me that they could not apply credits for all devices because they were not sent in separate boxes. I then went into the XXXX store locally and asked what could I do and they told me that customer services makes the final decision. I contacted them back and asked if they could send my device back to me and I will take their devices into the local store to be sent back to them. I was told no and was sent a bill to collection XX/XX/XXXX. I am still asking for my devices to be returned and I will return their devices.","date_sent_to_company":"2024-04-04T18:12:19.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Telecommunications debt","zip_code":"206XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8695868","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Prince Parker & Associates","date_received":"2024-04-04T17:21:33.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I contacted them back and asked if they could send my <em>device</em> back to me and I will take their <em>devices</em> into the local store to be sent back to them. I was told no and was sent a bill to collection XX/XX/XXXX. I am still asking for my <em>devices</em> to be returned and I will return their <em>devices</em>."]},"sort":[11.004393,"8695868"]},{"_index":"complaint-public-v1","_id":"18441737","_score":10.973972,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding an inaccurate and unfair collection account that originated with XXXX and was later assigned or sold to a third-party collection agency without proper resolution of an active dispute. \n\nIn XX/XX/year>, I had active device protection coverage through XXXX. I reported a damaged device and was sent a replacement. Upon receiving the replacement device, I immediately notified XXXX that the device itself was defective, specifically noting poor battery health and camera issues. No corrective action was taken by XXXX to resolve this issue. \n\nI was instructed by a XXXX representative to return my original damaged device. I complied fully and returned the device via XXXX, following the instructions provided. Several months later, I noticed a charge of approximately {$910.00} on my account. When I contacted XXXX to dispute this charge, I was informed that they claimed not to have received the returned device. I provided all information available to me regarding the return and reiterated that the device was sent as instructed. \n\nDespite this unresolved billing dispute, XXXX XXXX XXXX charge and transferred or sold the account to a third-party collection agency. I did not authorize this transfer while the account was in dispute. The collection account is now being reported on my credit report, causing significant and ongoing credit harm. \n\nThe balance being reported is inaccurate and unvalidated. The charge stems from a mishandled device protection claim, failure to process a returned device, and failure to resolve a documented dispute prior to collection activity. Reporting this account under these circumstances is unfair and does not reflect my actual obligation.","date_sent_to_company":"2026-01-03T11:16:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"21117","tags":null,"has_narrative":true,"complaint_id":"18441737","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2026-01-03T10:53:47.000Z","state":"MD","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In XX/XX/year>, I had active <em>device</em> protection coverage through XXXX. I reported a damaged <em>device</em> and was sent a replacement. Upon receiving the replacement <em>device</em>, I immediately notified XXXX that the <em>device</em> itself was defective, specifically noting poor battery health and camera issues. No corrective action was taken by XXXX to resolve this issue. \n\nI was instructed by a XXXX representative to return my original damaged <em>device</em>."]},"sort":[10.973972,"18441737"]},{"_index":"complaint-public-v1","_id":"7351144","_score":10.973932,"_source":{"product":"Debt collection","complaint_what_happened":"I canceled my internet service with XXXXXXXX XXXX I returned the device- router via XXXX XXXX Company claims they havent received the device and tried collecting a fee for not receiving device. I called to let them know I had returned this device. I received a notice later from collections. My credit score is affected by this erroneous charge.","date_sent_to_company":"2023-08-21T17:52:16.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"92374","tags":null,"has_narrative":true,"complaint_id":"7351144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2023-08-05T04:27:14.000Z","state":"CA","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I canceled my internet service with XXXXXXXX XXXX I returned the <em>device</em>- router via XXXX XXXX Company claims they havent received the <em>device</em> and tried collecting a fee for not receiving <em>device</em>. I called to let them know I had returned this <em>device</em>. I received a notice later from collections. My credit score is affected by this erroneous charge."]},"sort":[10.973932,"7351144"]},{"_index":"complaint-public-v1","_id":"2732385","_score":10.950142,"_source":{"product":"Debt collection","complaint_what_happened":"In XXXX of XXXX I ordered an XXXX from XXXX using their online store for a total of {$770.00}, when I made the order I mistakenly ordered a 9.7 inch XXXX when I wanted to 12 inch. I immediately called XXXX to change the order, the agent on the phone took the new order and canceled the original order. \n\nXXXX mailed both XXXX to my home address and started billing me for both XXXX including ; {$32.00} per month for the tablet purchase {$10.00} per month for the carrier access fees {$34.00} per month for the highspeed data When I received the devices I notified XXXX by phone they had sent two devices and I need to return one. They said they would send a return shipping label for the device, but that did not arrive. \n\nOver the course of 6 months I made repeated attempts to return the device with XXXX via phone, eMail and store visits. From XXXX until XXXX I consistently paid the bill in full every month despite the over charges for the XXXX. It should be noted I had a number of devices in addition to the iPad in question. In XXXX of XXXX I was finally able to return the device to XXXX, but out of frustration I canceled all services with XXXX and returned the remaining devices. \n\nI was credited {$760.00} for the XXXX, but given no credits for the services ( 6 Months * $ {$44.00} = {$260.00} ). XXXX then started to charge additional fees for other devices returned and for base cell service ( Given a base charge would be shared with the other devices ). \n\nNow XXXX has recharged for the tablet and is again charging services for a device I did not order, was delivered in error and returned.","date_sent_to_company":"2017-11-17T23:29:19.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"98422","tags":null,"has_narrative":true,"complaint_id":"2732385","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ORG GC GP BUYER, LLC","date_received":"2017-11-17T22:52:27.000Z","state":"WA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX then started to charge additional fees for other <em>devices</em> returned and for base cell service ( Given a base charge would be shared with the other <em>devices</em> ). \n\nNow XXXX has recharged for the tablet and is again charging services for a <em>device</em> I did not order, was delivered in error and returned."]},"sort":[10.950142,"2732385"]},{"_index":"complaint-public-v1","_id":"9140065","_score":10.946141,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX I was told to ship back their devices after use. I shipped the devices a really longtime ago. They still went ahead and charged me XXXX dollar, sent me to collection while the devices were indeed ship to them. I do not have the devices, i should be placed at collection for something that i do not have and something that was sent back to them.","date_sent_to_company":"2024-05-30T09:07:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"56301","tags":null,"has_narrative":true,"complaint_id":"9140065","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2024-05-30T08:48:52.000Z","state":"MN","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX I was told to ship back their <em>devices</em> after use. I shipped the <em>devices</em> a really longtime ago. They still went ahead and charged me XXXX dollar, sent me to collection while the <em>devices</em> were indeed ship to them. I do not have the <em>devices</em>, i should be placed at collection for something that i do not have and something that was sent back to them."]},"sort":[10.946141,"9140065"]},{"_index":"complaint-public-v1","_id":"16617615","_score":10.939113,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a formal billing dispute regarding the {$860.00} device charge that has been added to my XXXX XXXX account without justification on my CapitalOne credit card. \n\nBelow is the full and accurate record of events : On XX/XX/2025, I spoke with an XXXX XXXX sales representative and agreed to switch from T-Mobile to XXXX XXXX  based on the promise of a {$400.00} device credit promotion and a free unlimited line for XXXX year. The representative stated my cost would be approximately XXXX XXXXXXXX for the device. \n\nI received the XXXX XXXX XXXX XXXX XXXX XXXX My account then showed I was being billed XXXX XXXXXXXX, not what I was promised. \n\nI immediately contacted XXXX support on XX/XX/XXXX. Their agent admitted I was placed on the wrong plan, which made me ineligible for the promotion. I was told the only way to correct this was to exchange the device for a new one and upgrade to the XXXX XXXX plan to receive the promotional credits. \n\nXXXX created a device exchange order on XX/XX/XXXX, and I received the replacement device on XX/XX/XXXX. \n\nI activated the replacement device and returned the original XXXX XXXX using the prepaid XXXX label provided by XXXX, exactly as instructed. \n\nI shipped the original device on XX/XX/XXXX only because I had to transfer my number and information, within the required return window. \n\nXXXX confirmed delivery of the returned device on XX/XX/XXXX. \n\nOn XX/XX/XXXX, I was wrongfully charged {$860.00} for alleged device damage, even though I returned the device exactly as required, used XXXX own shipping label, and have received no proof of damage or explanation or even the device back as of today ( XX/XX/2025 ). \n\nI am requesting all of the following documentation for this charge, as required under federal billing law and your own Device Payment Plan Agreement : Timestamped photos of any alleged damage taken upon arrival at your warehouse Full inspection report from the return center Copy of internal notes that led to this damage claim Proof that I caused damage before shipment Proof that a XXXX insurance claim was initiated ( because XXXX provided the label ) Explanation of why I was charged while XXXX still has the device Return evaluation decision document required under your return policy I fulfilled all contract obligations, returned the device on time, and used your return label. I acted in good faith and did everything as instructed even though it was your mistake initially to falsely sign me up. \n\nUnder XXXX XXXX, once the device was shipped using the seller/merchants prepaid label, risk of loss transfers to the merchant XXXX XXXX XXXX \n\nXXXX can not keep both my returned device AND charge me {$860.00} this is unjust enrichment and has happend ( as of XX/XX/2025, I did not get the device back but I was charged on XX/XX/2025 ) The Device Payment Plan Agreement I agreed includes this clause : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER Retail Installment Agreement ( Consumer Rights Clause ) This means I am legally permitted to dispute this charge and assert a defense against XXXX which I am now doing.","date_sent_to_company":"2025-10-16T17:43:42.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"21227","tags":null,"has_narrative":true,"complaint_id":"16617615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-10-16T17:29:33.000Z","state":"MD","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I shipped the original <em>device</em> on XX/XX/XXXX only because I had to transfer my number and information, within the required return window. \n\nXXXX confirmed delivery of the returned <em>device</em> on XX/XX/XXXX. \n\nOn XX/XX/XXXX, I was wrongfully charged {$860.00} for alleged <em>device</em> damage, even though I returned the <em>device</em> exactly as required, used XXXX own shipping label, and have received no proof of damage or explanation or even the <em>device</em> back as of today ( XX/XX/2025 )."]},"sort":[10.939113,"16617615"]},{"_index":"complaint-public-v1","_id":"5083621","_score":10.920888,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern, Me XXXX XXXX, the Consumer is protected by the rights under The Consumer Protection Act of 1968. XXXX is Violating the law. I have requested numerous times for certain accounts and items to be removed from my consumer report. I have had no contract with your company. XXXX VIOLATED Title 15 U.S. Code 1681b ( a ) ( 2 ). I never gave written instructions, or power of attorney to create a consumer report on me XXXX XXXX XXXX. This Is A VIOLATION of My Consumer Rights.\n\nTitle 15 U.S. Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Meaning my social security card! Every account or alleged account was open with my credit card SOCIAL SECURITY CARD I have credit card accounts that should have never been on my consumer report. Its a VIOLATION of my Consumer rights pursuant to Title 15 U.S. Code 1681a ( 2 ) ( b ) Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I Want All Inquiries Hard/Soft To Be Removed From My Consumer Reports. Every inquiry I dont have an open account with is in violation. Inquirys without a valid permissible purpose is a violation. \n\nTitle 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \nI Never gave consent to any credit agency or corporation to report or/and furnish and have any of my personal private information which is identity theft pursuant to 12 Cfr 1022.3 ( h ). \n\nThe following accounts and/or items that are violation of FCRA & need to be remove immediately : XXXX XXXX  credit card or similar device fraud identity theft Account # XXXX XXXX XXXX XXXX credit card or similar device fraud identity theft Account # XXXX XXXX credit card or similar device Account # XXXX XXXX  XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX XXXX credit card or similar device Charge Off Account # XXXX XXXX XXXX XXXX. fraud credit card or similar device identity theft Account # XXXX XXXX XXXX fraud credit card or similar device identity theft Account # XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX XXXX credit card or similar device Account # XXXX Department of Education/XXXX credit card or similar device Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX Bank credit card or similar device Account # XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX  credit card or similar device Account # XXXX XXXX XXXX credit card or similar device charge off Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX fraud credit card or similar device identity theft Account # XXXX XXXX XXXX  fraud credit card or similar device identity theft Account # XXXX XXXX XXXX fraud credit card or similar device identity theft Account # XXXX Original creditor XXXX fraud credit card or similar device identity theft Account # XXXX Hard Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-01-07T20:43:46.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37128","tags":null,"has_narrative":true,"complaint_id":"5083621","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-01-07T20:43:42.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX. fraud credit card or similar <em>device</em> identity theft Account # XXXX XXXX XXXX fraud credit card or similar <em>device</em> identity theft Account # XXXX XXXX credit card or similar <em>device</em> Account # XXXX XXXX XXXX XXXX credit card or similar <em>device</em> Account # XXXX Department of Education/XXXX credit card or similar <em>device</em> Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX credit card or similar <em>device</em> Account # XXXX XXXX XXXX XXXX XXXX credit card or similar <em>device</em>"]},"sort":[10.920888,"5083621"]},{"_index":"complaint-public-v1","_id":"5082969","_score":10.920888,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern, Me XXXX XXXX, the Consumer is protected by the rights under The Consumer Protection Act of 1968. XXXX is Violating the law. I have requested numerous times for certain accounts and items to be removed from my consumer report. I have had no contract with your company. XXXX VIOLATED Title 15 U.S. Code 1681b ( a ) ( 2 ). I never gave written instructions, or power of attorney to create a consumer report on me XXXX XXXX XXXX. This Is A VIOLATION of My Consumer Rights. \n\nTitle 15 U.S. Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Meaning my social security card! Every account or alleged account was open with my credit card SOCIAL SECURITY CARD I have credit card accounts that should have never been on my consumer report. Its a VIOLATION of my Consumer rights pursuant to Title 15 U.S. Code 1681a ( 2 ) ( b ) Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I Want All Inquiries Hard/Soft To Be Removed From My Consumer Reports. Every inquiry I dont have an open account with is in violation. Inquirys without a valid permissible purpose is a violation. \n\nTitle 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \nI Never gave consent to any credit agency or corporation to report or/and furnish and have any of my personal private information which is identity theft pursuant to 12 Cfr 1022.3 ( h ). \n\nThe following accounts and/or items that are violation of FCRA & need to be remove immediately : XXXX XXXX credit card or similar device fraud identity theft Account # XXXX XXXX XXXX XXXX credit card or similar device fraud identity theft Account # XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX XXXX  credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX XXXX credit card or similar device Charge Off Account # XXXX XXXX XXXX XXXX. fraud credit card or similar device identity theft Account # XXXX XXXX XXXX fraud credit card or similar device identity theft Account # XXXX XXXX credit card or similar device Account # XXXX XXXX XXXXXXXX XXXX credit card or similar device Account # XXXX XXXX XXXX XXXXXXXX credit card or similar device Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX credit card or similar device charge off Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX  credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX fraud credit card or similar device identity theft Account # XXXX XXXX XXXX fraud credit card or similar device identity theft Account # XXXX XXXX XXXX  fraud credit card or similar device identity theft Account # XXXX Original creditor XXXX fraud credit card or similar device identity theft Account # XXXX Hard Inquiries XX/XX/XXXX XXXX XXXX Tn XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Tn XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Full Name : XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-01-07T20:43:46.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37128","tags":null,"has_narrative":true,"complaint_id":"5082969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-01-07T20:43:42.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX. fraud credit card or similar <em>device</em> identity theft Account # XXXX XXXX XXXX fraud credit card or similar <em>device</em> identity theft Account # XXXX XXXX credit card or similar <em>device</em> Account # XXXX XXXX XXXXXXXX XXXX credit card or similar <em>device</em> Account # XXXX XXXX XXXX XXXXXXXX credit card or similar <em>device</em> Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX credit card or similar <em>device</em> Account # XXXX XXXX XXXX XXXX XXXX credit card or similar <em>device</em> Account"]},"sort":[10.920888,"5082969"]},{"_index":"complaint-public-v1","_id":"5086032","_score":10.91295,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern, Me XXXX XXXX, the Consumer is protected by the rights under The Consumer Protection Act of 1968. Equifax is Violating the law. I have requested numerous times for certain accounts and items to be removed from my consumer report. I have had no contract with your company. Equifax VIOLATED Title 15 U.S. Code 1681b ( a ) ( 2 ). I never gave written instructions, or power of attorney to create a consumer report on me XXXX XXXX XXXX. This Is A VIOLATION of My Consumer Rights. \n\nTitle 15 U.S. Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Meaning my social security card! Every account or alleged account was open with my credit card SOCIAL SECURITY CARD I have credit card accounts that should have never been on my consumer report. Its a VIOLATION of my Consumer rights pursuant to Title 15 U.S. Code 1681a ( 2 ) ( b ) Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I Want All Inquiries Hard/Soft To Be Removed From My Consumer Reports. Every inquiry I dont have an open account with is in violation. Inquirys without a valid permissible purpose is a violation. \n\nTitle 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \nI Never gave consent to any credit agency or corporation to report or/and furnish and have any of my personal private information which is identity theft pursuant to 12 Cfr 1022.3 ( h ). \n\nThe following accounts and/or items that are violation of FCRA & need to be remove immediately : XXXX XXXX credit card or similar device fraud identity theft Account # XXXX XXXX XXXX XXXX credit card or similar device fraud identity theft Account # XXXXXXXX XXXX  credit card or similar device Account # XXXX XXXX  XXXXXXXX XXXX  credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXXXXXX XXXX XXXX XXXX credit card or similar device Charge Off Account # XXXX XXXX XXXX XXXX. fraud credit card or similar device identity theft Account # XXXX XXXX XXXX XXXX credit card or similar device identity theft Account # XXXX XXXX  credit card or similar device Account # XXXXXXXX XXXX XXXXXXXX XXXX credit card or similar device Account # XXXX Department of XXXX credit card or similar device Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX Tn XXXX credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXXXXXX XXXX credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX  credit card or similar device charge off Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX credit card or similar device Account # XXXX XXXX XXXX XXXX XXXX or similar device Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXXXXXX XXXX  credit card or similar device identity theft Account # XXXX XXXX XXXX XXXX credit card or similar device identity theft Account # XXXXXXXX XXXX XXXX XXXX  credit card or similar device identity theft Account # XXXX Original creditor XXXXXXXX XXXX  credit card or similar device identity theft Account # XXXX Hard Inquiries XX/XX/XXXX XXXX XXXX Tn XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Tn XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-01-07T20:43:13.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37128","tags":null,"has_narrative":true,"complaint_id":"5086032","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-01-07T20:35:03.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>device</em> Account # XXXX XXXX XXXX credit card or similar <em>device</em> Account # XXXXXXXX XXXX credit card or similar <em>device</em> Account # XXXX XXXX XXXX credit card or similar <em>device</em> Account # XXXX XXXX XXXX  credit card or similar <em>device</em> charge off Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX credit card or similar <em>device</em> Account # XXXX XXXX XXXX credit card or similar <em>device</em> Account # XXXX XXXX XXXX XXXX XXXX or similar <em>device</em> Account # XXXX Account # XXXX Account #"]},"sort":[10.91295,"5086032"]},{"_index":"complaint-public-v1","_id":"3175331","_score":10.902213,"_source":{"product":"Debt collection","complaint_what_happened":"The XXXX XXXX XXXX debt of {$470.00} is invalid. It should not be collected on my credit reports from the 3 credit reporting agencies ( XXXX XXXX XXXX ) which destroy my credit. \n\nContrary to its promise, XXXX XXXX XXXX devices ( for which I already paid $ 1000+ for them ) did not work with XXXX. I asked XXXX XXXX XXXX ( XXXX ) to help solve the issue, but XXXX XXXX XXXX did not cooperate. \n\nXXXX XXXX XXXX provided wrong instruction for unlocking its devices. After I paid off the balance of my phones on XX/XX/2018, XXXX XXXX XXXX told me that the devices would be unlocked and then work for other carriers. I waited a few days and received an email of unlock instruction ( first email of unlock instruction, attached below ). I followed the instruction but without success. The instruction says max 5 tries are allowed before a phone becomes permanently locked to XXXX XXXX XXXX. I suffered a lot. I called XXXX XXXX XXXX customer care. I waited another few days and received another email of unlock instruction instruction ( second email of unlock instruction, attached below ) .which is completely different from the first unlock instruction. I followed it and seems like it was successful. However, when using the phones with XXXX, I never had mobile data connection. I had unlocked other XXXX XXXX XXXX phones in the past and they work well with other carriers -- but only one unlock instruction was received. Therefore, I believe that problems happened somewhere inside XXXX XXXX XXXX which caused my phones does not work with other carriers even if I paid them off. It is illegal for XXXX XXXX XXXX to sell defunct product. Either XXXX XXXX XXXX refunds the money I paid for the devices, or replaces them with functioning devices. \n\n-- -- -- -- -- -- -- -- -- first email of unlock instruction -- -- -- -- -- -- -- -- -- - From : XXXX XXXX XXXX Order Status XXXX Sent : Thursday, XX/XX/2018 XXXX XXXX  To : XXXX Subject : We approved your unlock request Use these instructions to unlock your device. \nDevice IMEI number : XXXX Request number : XXXX Hi XXXX, Your unlock code : XXXX Unlock instructions : 1. Power off the device and remove the SIM card. 2. Power on the device. 3. Enter # XXXX, the unlock code, and #. The device cycles off and back on. Note : You are allowed five attempts to unlock before your device permanently locks to the XXXX XXXX XXXX network. Note : If your device has been altered from the original manufacturer? s standards, such as rooting the device, your unlock code may not work and you will need to contact the original manufacturer for assistance. \n\n\n-- -- -- -- -- -- -- -- -- second email of unlock instruction -- -- -- -- -- -- -- -- -- - From : XXXX XXXX Sent : Wednesday, XX/XX/2018 XXXX XXXX  To : XXXX Subject : Subsidy Device Unlock Request Thank you for contacting XXXX XXXX XXXX Customer Care about unlocking your XXXX XXXX XXXX XXXX device : CASE : XXXX IMEI : XXXX UNLOCK CODE : XXXX We have reviewed your request and confirmed that the device may be unlocked. Please allow 24 hours upon receipt of this notification to complete the unlock process. To unlock your device, simply : Five unsuccessful unlock attempts permanently locks the device to the XXXX XXXX XXXX network. 1 ) Power off the device, remove the battery, and insert a non-XXXX XXXX XXXX SIM card. 2 ) Re-insert the battery and power on the device with non-XXXX XXXX XXXX SIM. 3 ) The device displays Enter the device unlock code. 4 ) Enter the unlock code. 5 ) Press OK.","date_sent_to_company":"2019-03-10T22:43:50.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"60504","tags":null,"has_narrative":true,"complaint_id":"3175331","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sequium Asset Solutions, LLC","date_received":"2019-03-10T21:44:45.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["To unlock your <em>device</em>, simply : Five unsuccessful unlock attempts permanently locks the <em>device</em> to the XXXX XXXX XXXX network. 1 ) Power off the <em>device</em>, remove the battery, and insert a non-XXXX XXXX XXXX SIM card. 2 ) Re-insert the battery and power on the <em>device</em> with non-XXXX XXXX XXXX SIM. 3 ) The <em>device</em> displays Enter the <em>device</em> unlock code. 4 ) Enter the unlock code. 5 ) Press OK."]},"sort":[10.902213,"3175331"]},{"_index":"complaint-public-v1","_id":"4407122","_score":10.870987,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX turned account over to collection with providing final accounting. I have contacted collection agency who provided a summarized bill that reflects balance due on each device with out credit for returned devices. I have subsequently verified with XXXX devices were received on XX/XX/2020, however no credits have been replied to reflect the return of device, therefore the wrong balance due is being provided.","date_sent_to_company":"2021-05-26T15:47:15.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"30032","tags":null,"has_narrative":true,"complaint_id":"4407122","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Diversified Adjustment Service, Inc.","date_received":"2021-05-26T13:59:28.000Z","state":"GA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I have contacted collection agency who provided a summarized bill that reflects balance due on each <em>device</em> with out credit for returned <em>devices</em>. I have subsequently verified with XXXX <em>devices</em> were received on XX/XX/2020, however no credits have been replied to reflect the return of <em>device</em>, therefore the wrong balance due is being provided."]},"sort":[10.870987,"4407122"]},{"_index":"complaint-public-v1","_id":"17427789","_score":10.864135,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX ) Category : Mobile or Digital Wallet Sub-Issue : Unauthorized account access ; Issues with account security ; Problem with companys investigation into an existing issue What Happened? ( XXXX XXXX ) I am filing this complaint regarding Cash App due to repeated security failures, session instability, and unacknowledged unauthorized device login behavior. \n\nMy Cash App account is repeatedly generating New device login alerts even though I am using the same XXXX I have always used. These alerts appear multiple times per week, and sometimes multiple times per day. I have screenshots showing : Repeated New device login warnings Device listed as XXXX ( This device ) Logins appearing at times when I was not logging in Prior device sessions spontaneously logged out without my action Verification prompts indicating suspicious activity Despite contacting Cash App Support and receiving a reply from a XXXX ( Case # XXXX ), the response was a generic template instructing me how to log out devices manually. This does not address the issue. Devices that I manually log out reappear again, and the unauthorized logins continue.\n\nThis suggests a deeper problem involving persistent session tokens, reactivation of previously revoked sessions, or backend device reauthorization that is occurring without my consent.\n\nThis repeated login activity is creating : legitimate concern about account tampering loss of trust in the platforms security controls inability to rely on Cash App for safe transactions repeated forced login verifications interrupted account access unauthorized session persistence Cash App has failed to investigate or explain why my single device is repeatedly being logged out and logged back in without my action.\n\nI am requesting federal assistance because Cash App has not provided a meaningful or technical explanation, and the issue is ongoing.\n\nWhat Would Be a Fair Resolution?\n\nI request that Cash App : 1. Conduct a full audit of all device sessions, login artifacts, and security tokens associated with my account.\n\n2. Permanently revoke all active sessions and issue a server-side reset of my security tokens.\n\n3. Explain why New device login alerts continue to appear on the same device, even when no new device was used.\n\n4. Investigate session persistence and unauthorized reactivation of previously logged-out devices.\n\n5. Acknowledge this security failure in their internal consumer record.\n\n6. Provide a clear explanation of whether these repeated logins are caused by : backend token regeneration identity conflict security breach app-level instability or internal routing issues I want written confirmation that my account is secure and that unauthorized access has been fully resolved.\n\nEvidence Provided You may reference the following : Screenshots of repeated New device login warnings Activity logs showing unexplained session resets Cash Apps unhelpful investigation response Documented timeline showing multiple consecutive login events Screen captures froXXXX XXXX XXXX XXXX XXXX XXXX upload these files to the CFPB XXXX or provide them upon request. \n\n\n\nXXXX XXXX Cash App ( Owned by Block , Inc . )","date_sent_to_company":"2025-11-21T13:51:26.000Z","issue":"Identity theft protection or other monitoring services","sub_product":"Other personal consumer report","zip_code":"75703","tags":null,"has_narrative":true,"complaint_id":"17427789","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-11-21T13:44:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["I have screenshots showing : Repeated New <em>device</em> login warnings <em>Device</em> listed as XXXX ( This <em>device</em> ) Logins appearing at times when I was not logging in Prior <em>device</em> sessions spontaneously logged out without my action Verification prompts indicating suspicious activity Despite contacting Cash App Support and receiving a reply from a XXXX ( Case # XXXX ), the response was a generic template instructing me how to log out <em>devices</em> manually. This does not address the issue."]},"sort":[10.864135,"17427789"]},{"_index":"complaint-public-v1","_id":"5187339","_score":10.864086,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : CASE NO. XXXX My dog became paraplegic overnight and had undergone emergency IVDD or XXXXuptured disc surgery on XX/XX/2021. Part of his rehabilitation is acupuncture, physical and laser therapy. As there is no laser therapist in our area and his current therapist is a 4-hour drive away, I decided just to purchase a laser device which I desperately need even up to date as my dog is still unable to walk. On XX/XX/2021, I received the laser device that I ordered from XXXX, the seller. To my surprise, the device was not sealed, no user manual, already fully charged, no thin clear plastic removable cover on the laser and the USB chord was just placed on top of the device. Later, after purchasing exactly similar device from another seller, it became conclusive to me that the device sold by XXXX is a USED one. This was bolstered by the fact that on my first use, the device stopped working. I then immediately turned it off, and on, and it worked again. For almost 10 days since its delivery, the device will occasionally stop in the middle of my dogs treatment and functioning again after turning it off until XX/XX/2021 when the device completely shut off. \n\nXXXX is guilty of unfair and trade practices on following grounds : 1. Selling used and defective merchandise under pretense that it is new. \nSee discussion above. \n\n2. Every sale in the state of Louisiana carries with it the legal warranty that the thing sold is free of hidden defects or redhibitory vices. \n\nLA CC Art. 2475 Seller 's obligations of delivery and warranty. The seller is bound to deliver the thing sold and to warrant to the buyer ownership and peaceful possession of, and the absence of hidden defects in, that thing. The seller also warrants that the thing sold is fit for its intended use. \n\nFurther, Article 2520 of the Louisiana Civil Code provides that the seller warrants the buyer against redhibitory defects, or vices, in the thing sold, and further defines the term redhibitory as a defect which renders the thing useless, or its use so inconvenient that it must be presumed that a buyer would not have bought the thing had he known of the defect. \n\nThe device was used for approximately 10 days until it completely stopped working. Clearly, XXXX warranty against hidden defects and/or redhibitory defect was/were breached. Since the device is no longer working, XXXX likewise violated its warranty that the thing sold is fit for its intended use. \n\n3. Return/Refund policy of XXXX lasts for 14 days. \nSince XXXX violated the law of Louisiana, the Return/Refund policy of XXXX is inapplicable as the law governs first and foremost. \n\n( Nevertheless, the following premises are based on the assumption that XXXX warranty obligation under Louisiana law is not breached. ) Attached is a copy of the XXXX Return/ Refund Policy. The merchandise was received on XX/XX/2021 and it completely stopped working on XX/XX/2021, but that day was a holiday as well as the following day which is XXXX day thus, I was unable to inform XXXX. Nonetheless, XXXX was notified of the defect on XX/XX/2021, only 11 days from delivery datewell within the 14 days. \n\n4. Return/Refund policy of XXXX enumerates products that are non-returnable which did not include handheld pain relief cold laser device, the device in dispute. \n\nThe laser device is to be used 4 inches away from the area of treatment hence the device does not even touch any skin. I purchased 2 similar items from XXXX which later proved to be ineffective and were able to return the items for a refund without questions asked. \n\n5. XXXX is guilty of price gouging. \n\nThe original advertised price of the disputed device is $ XXXX and XXXX is claiming that it is selling half its price which is {$250.00}. On the contrary, when I later purchased exactly similar device, the price I paid for the device is less than {$100.00}. \n\n6. XXXX is guilty of unlawful appropriation. \n\nAfter XXXX asked for the return of the device, XXXX is now misappropriating my device by refusing to issue a refund. They are currently keeping my money and my device, too. On its last email, XXXX acknowledged the return of the device and alleged that, We never refused to refund you. \n\nXXXX intentionally made their Refund Policy completely ambiguous ; apparently, to include all merchandise that they sell not eligible for a refund. However, all those ambiguities must be construed against XXXX. \n\nSurprisingly, XXXX no longer carries or sells the same laser device in dispute which they claimed to be their popular item. \n\nCAPITAL ONE, the credit card company involves in debiting or crediting the disputed amount, is acting arbitrarily in reapplying the charge of {$210.00} to my account.","date_sent_to_company":"2022-02-05T00:08:44.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"70056","tags":null,"has_narrative":true,"complaint_id":"5187339","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-02-04T23:41:04.000Z","state":"LA","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 original advertised price of the disputed <em>device</em> is $ XXXX and XXXX is claiming that it is selling half its price which is {$250.00}. On the contrary, when I later purchased exactly similar <em>device</em>, the price I paid for the <em>device</em> is less than {$100.00}. \n\n6. XXXX is guilty of unlawful appropriation. \n\nAfter XXXX asked for the return of the <em>device</em>, XXXX is now misappropriating my <em>device</em> by refusing to issue a refund. They are currently keeping my money and my <em>device</em>, too."]},"sort":[10.864086,"5187339"]},{"_index":"complaint-public-v1","_id":"18993472","_score":10.863098,"_source":{"product":"Debt collection","complaint_what_happened":"I returned an XXXX to XXXX within the XXXX return window. The device was accepted by a XXXX retail store. Other devices returned the same day were properly credited, but this device was not. \n\nXXXX later resold the returned phone to another customer, yet failed to apply the required credit to my account. Instead, XXXX charged me the full device price and transferred the balance to a XXXX-party debt collector. \n\nI disputed the balance in writing and explained that the device had been returned and resold. Despite this, the debt collector continues to attempt to collect the balance and has stated the account will remain in collections. \n\nCharging a consumer for a device that was returned, recovered, and resold is improper billing. The balance exists only due to XXXX internal processing error, not because a valid debt is owed. \n\nI am requesting correction of the account, recall of the collection, and cessation of collection and credit reporting activity related to this error.","date_sent_to_company":"2026-01-25T20:27:50.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"655XX","tags":null,"has_narrative":true,"complaint_id":"18993472","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Sequium Asset Solutions, LLC","date_received":"2026-01-25T19:35:30.000Z","state":"MO","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The <em>device</em> was accepted by a XXXX retail store. Other <em>devices</em> returned the same day were properly credited, but this <em>device</em> was not. \n\nXXXX later resold the returned phone to another customer, yet failed to apply the required credit to my account. Instead, XXXX charged me the full <em>device</em> price and transferred the balance to a XXXX-party debt collector. \n\nI disputed the balance in writing and explained that the <em>device</em> had been returned and resold."]},"sort":[10.863098,"18993472"]},{"_index":"complaint-public-v1","_id":"18585273","_score":10.859168,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I received multiple PayPal security alerts for activity that I did not initiate. At XXXX XXXX  EST, PayPal sent me an email stating that a device identified as XXXX  XXXX XXXX XXXX was marked as a trusted device on my account. I did not add this device, and I do not recognize it. \nOne minute later, at XXXX XXXX  EST, I received another PayPal email stating that a new device logged into my account from XXXX XXXX XXXX in XXXX, XXXX. I did not log in from XXXX, I do not own an XXXX, and I did not authorize any new device to access my account. \nImmediately after that, at XXXX XXXX  EST, I received a third email from PayPal stating that a decision on a Pay in 4 application was ready. I did not apply for Pay in 4, and I did not authorize anyone else to apply for credit using my PayPal account. \nThese three events happened backtoback within minutes, and all of them were unauthorized. I did not log in, I did not add a trusted device, and I did not submit any credit application. This indicates that someone gained unauthorized access to my PayPal account and attempted to use my identity and account features without my permission. \nI am requesting that PayPal investigate how these unauthorized device logins and credit attempts occurred, secure my account, remove any unauthorized devices, and provide documentation showing the device information, IP addresses, and activity logs associated with these events.","date_sent_to_company":"2026-01-09T00:48:47.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"460XX","tags":null,"has_narrative":true,"complaint_id":"18585273","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-01-09T00:36:50.000Z","state":"IN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["At XXXX XXXX  EST, PayPal sent me an email stating that a <em>device</em> identified as XXXX  XXXX XXXX XXXX was marked as a trusted <em>device</em> on my account. I did not add this <em>device</em>, and I do not recognize it. \nOne minute later, at XXXX XXXX  EST, I received another PayPal email stating that a new <em>device</em> logged into my account from XXXX XXXX XXXX in XXXX, XXXX. I did not log in from XXXX, I do not own an XXXX, and I did not authorize any new <em>device</em> to access my account."]},"sort":[10.859168,"18585273"]},{"_index":"complaint-public-v1","_id":"3908714","_score":10.851046,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I bought a water purification system through Aqua Finance. The device has had several issues and currently does not work. The company I  bought the device through wants to charge $ XXXX {$50.00} per half hour to fix. I refuse to pay such large fees every time the device breaks, and was made to believe all warranty and repair would be covered in price of purchase. However, now I am stuck with a broken device and forced to pay the financing contract. I would like to have the unit returned and be refunded for the device. I do not care for either of these companies and feel I have been taken advantage of.","date_sent_to_company":"2020-10-20T18:44:49.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"3908714","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Aqua Finance, Inc.","date_received":"2020-10-20T18:29:32.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["The <em>device</em> has had several issues and currently does not work. The company I  bought the <em>device</em> through wants to charge $ XXXX {$50.00} per half hour to fix. I refuse to pay such large fees every time the <em>device</em> breaks, and was made to believe all warranty and repair would be covered in price of purchase. However, now I am stuck with a broken <em>device</em> and forced to pay the financing contract. I would like to have the unit returned and be refunded for the <em>device</em>."]},"sort":[10.851046,"3908714"]},{"_index":"complaint-public-v1","_id":"7626503","_score":10.841502,"_source":{"product":"Debt collection","complaint_what_happened":"I previously had Internet service with XXXX XXXX. Couldn't afford the service anymore. I was informed I owed {$240.00} for the devices used for the Internet service. Called them and instructed a sales rep come pick up their device. He did pick it up and informed me there was nothing owed once the device was returned. I received a call from an attorney who stated I owed the amount listed above. I informed her the device was returned. I look at my credit report and the amount they claim I owe has gone up to {$500.00}. I don't owe XXXX XXXX anything once their device was returned.","date_sent_to_company":"2023-10-01T02:13:27.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"70815","tags":null,"has_narrative":true,"complaint_id":"7626503","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2023-10-01T01:52:39.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I was informed I owed {$240.00} for the <em>devices</em> used for the Internet service. Called them and instructed a sales rep come pick up their <em>device</em>. He did pick it up and informed me there was nothing owed once the <em>device</em> was returned. I received a call from an attorney who stated I owed the amount listed above. I informed her the <em>device</em> was returned. I look at my credit report and the amount they claim I owe has gone up to {$500.00}. I don't owe XXXX XXXX anything once their <em>device</em> was returned."]},"sort":[10.841502,"7626503"]},{"_index":"complaint-public-v1","_id":"9961415","_score":10.840784,"_source":{"product":"Debt collection","complaint_what_happened":"I DO NOT OWE THIS DEBT : I would like to file a complaint against CREDENCE RESOURCE MANAGE. I received a notification through XXXX on XX/XX/XXXX that CREDENCE RESOURCE MANAGE has placed a collection on my credit report. I immediately contacted XXXX and informed them that I had no CREDENCE RESOURCE MANAGE or on which company 's behalf were they trying to collect a debt. I haven't received any notices from CREDENCE RESOURCE MANAGE this was the first time that I heard of them. XXXX informed me that the original debt collector was XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX any money. I purchased a phone from XXXX back in XX/XX/XXXX at XXXX. XXXX is an authorized dealer for XXXX XXXX XXXX. I returned to the store within 8 days to return the device because it was glitching, and I requested a new device. XXXX requested that I let their technical support team look at the device and I declined I wanted a brand new device because it was clear that the device that I purchased was having some issues. XXXX stated that they did not have the same device in the color that I purchased. At that point, I requested to return the device which I did. In XX/XX/XXXX I received a final bill from XXXX XXXX XXXX for XXXX which I called in and disputed because I returned the device XXXX  days after I received it because the device was defective and XXXX XXXX XXXX credited the {$160.00} charge. \n\nAround 6 months later I received a charge from. XXXX XXXX XXXX for XXXX I contacted XXXX XXXX XXXX immediately and I informed the customer service representative that the amount was inaccurate. I did not owe XXXX XXXX XXXX any money, I was told that the charge was from an equipment charge. I informed XXXX XXXX XXXX that I returned the device to XXXX. I requested to speak with a Supervisor and I was transferred to XXXX. The Supervisor was able to trace the device and she stated that she saw no usage on the device. The Supervisor stated that if I had the device or if someone else had the device there would be some sort of usage, The supervisor stated that she did not believe that I had the device in my possession and she informed me that she was going to credit the account the XXXX and XXXX out the account. This occurred over a year ago. I called in later that month to verify that the charges were cleared of my account and I was told that my account had a XXXX balance. Now over a year later, the charges are back. I just notified XXXX XXXX XXXX to correct their error. I am requesting that CREDENCE RESOURCE MANAGE remove all derogatory remarks from my credit report. I CREDENCE RESOURCE MANAGE will not remove the derogatory remark I will take legal action. This is a notice of dispute and a request for all documents about my account because I have not received any documentation from CREDENCE RESOURCE MANAGE.","date_sent_to_company":"2024-08-30T03:28:36.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"11691","tags":null,"has_narrative":true,"complaint_id":"9961415","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2024-08-30T02:55:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I returned to the store within 8 days to return the <em>device</em> because it was glitching, and I requested a new <em>device</em>. XXXX requested that I let their technical support team look at the <em>device</em> and I declined I wanted a brand new <em>device</em> because it was clear that the <em>device</em> that I purchased was having some issues. XXXX stated that they did not have the same <em>device</em> in the color that I purchased. 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