{"took":798,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":39221,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4803629","_score":16.070524,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This is a follow up to complaint XXXX and case number XXXX. US Bank denied my dispute for {$3500.00} under the Fair Credit Billing Act, \" If you think there is an error on your bill, you must contact us within 60 days after we send you the statement the error appeared on. Unfortunately, your inquiry about this transaction was received after this 60-day period had passed, and we are unable to assist you further. '' Per the XXXX XXXX statement where the transaction appears, the wording under Information About Your Account states, \" If you have a problem with the quality of goods or services you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than {$50.00} and the purchase was made in your home state or within 100 miles of your mailing address. '' I have tried in good faith to resolve the issue with the merchant. Merchant has told us to go to XXXX to get XXXX to fix the issue. The purchase was more than {$50.00} and the purchase was made within 100 miles of my mailing address and in my home state. I am not raising an issue with a billing error but with the dissatisfaction of the goods and services. \n\nDoes US Bank not have to honor the rights for the cardholder since it took over XXXX XXXX? Even US Bank has a disclosures regarding the \" Your Rights If You Are Dissatisfied With Your Credit Card Purchases '' and there is not any mention of a 60-day period. The criteria for a 60-day period is under \" What To Do If You Think You Find A Mistake On Your Statement ''. This is not a complaint regarding a mistake but with the my rights since I am dissatisfied with my credit card purchase, which falls under \" Your Rights If You Are Dissatisfied With Your Credit Card Purchases ''. \n\nBased on the agreement I entered into with XXXX XXXX XXXX when I applied for card, this complaint falls under the criteria for \" Special Rules for Credit Card Purchases '' as stated in the enclosed XXXX XXXX Credit Card statement where the {$3500.00} appears.","date_sent_to_company":"2021-10-12T22:03:53.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78628","tags":null,"has_narrative":true,"complaint_id":"4803629","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2021-10-12T19:53:34.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["US Bank denied my <em>dispute</em> for {$3500.00} under the Fair Credit Billing Act, \" If you think there is an error on <em>your</em> bill, you must contact us within 60 days after we send you the <em>statement</em> the error appeared on."],"issue":["Problem with a <em>purchase</em> shown on <em>your</em> <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> <em>about</em> a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[16.070524,"4803629"]},{"_index":"complaint-public-v1","_id":"12659544","_score":15.974292,"_source":{"product":"Credit card","complaint_what_happened":"In your recent letter ( XXXX ), SynchronyBank wrote : \" XXXX XX/XX/XXXX, you opened a dispute for the XX/XX/XXXX, charge of {$1200.00} described above ''. THAT'S A LIE because i began disputing this so-called \" purchase '' since XX/XX/XXXX Not XXXX as you claim. \n\nOn XXXX, SynchronyBank wrote : \" ... a credit of {$9.00} posted as a merchandise return.... the credit was initiated by the PROVIDER ''. This is a Contradiction of your earlier explanation dated XXXX, stating : \" In addition, a credit for {$9.00} was also applied to your balance ... as resolution for a billing dispute opened BY YOU ( XXXX ) on XX/XX/XXXX, in which you ( XXXX ) claimed you were overcharged by the merchant by {$9.00}, for the purchase in question ''. Why did you give this credit when THERE'S NO INVOICE/Charge of {$1200.00} by XXXX XXXX XXXX XXXX A credit i could never request since there was NO SUCH extra charge. YOU ARE LIARS and CRIMINALS, That's What You Are : LIARS and CRIMINALS. \n\nWHY IS SynchronyBank ISSUING ME A CREDIT BEYOND THE DISPUTE OF {$1200.00}?? This means your accounting, Statements and billing ARE FRAUDULENT and that's what i had been complaining about since XXXX. \n\nAlso, contrary to SynchronyBank Statement that i PURCHASED something in XX/XX/XXXX, SynchronyBank has NO EVIDENCE for this {$30.00} PURCHASE dated XXXX. Why does SynchronyBank Statement XXXX state : PAYMENT OF AMOUNT IN DISPUTE {$1800.00} NOT REQUIRED, when {$1800.00} is something you Criminals Fabricated and LATER CANCELED. \n\nIn the face of all these Fraudulent Statements by SynchronyBank, you will perish in your Obstinate Fraud because there's certainly no spirit of remorse or repentance in your evil spirit.","date_sent_to_company":"2025-03-24T20:59:08.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"92831","tags":null,"has_narrative":true,"complaint_id":"12659544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-03-24T20:32:00.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["WHY IS SynchronyBank ISSUING ME A CREDIT BEYOND THE <em>DISPUTE</em> OF {$1200.00}?? This means <em>your</em> accounting, <em>Statements</em> and billing ARE FRAUDULENT and that's what i had been complaining <em>about</em> since XXXX. \n\nAlso, contrary to SynchronyBank <em>Statement</em> that i <em>PURCHASED</em> something in XX/XX/XXXX, SynchronyBank has NO EVIDENCE for this {$30.00} <em>PURCHASE</em> dated XXXX."],"issue":["Problem with a <em>purchase</em> shown on <em>your</em> <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> <em>about</em> a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[15.974292,"12659544"]},{"_index":"complaint-public-v1","_id":"11867004","_score":15.528383,"_source":{"product":"Credit card","complaint_what_happened":"I had a dispute with Citi bank on my Shop Your Way Card back in XXXX. The company is saying that the dispute was resolved, and the amount was removed. I have called multiple times about this dispute still being in my card balance. The company has not resolved the issue and the wrong amount is being reported on my credit report. The last time I called and tried to resolve the issue was XX/XX/XXXX. The company then tried to say that I brought something and that's why my balance is so high, but my statements do not reflect what they are saying. Also, when I try to pay my card there is a statement that says, \" Payment amount can not exceed the current balance. '' my current balance is currently XXXX. The company is not trying to resolve this issue. If this was a purchase that I made why will the system not let me pay it and why is the purchase not reflected on my statements.","date_sent_to_company":"2025-02-07T18:35:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"197XX","tags":null,"has_narrative":true,"complaint_id":"11867004","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-02-01T03:19:07.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I had a <em>dispute</em> with Citi bank on my Shop <em>Your</em> Way Card back in XXXX. The company is saying that the <em>dispute</em> was resolved, and the amount was removed. I have called multiple times <em>about</em> this <em>dispute</em> still being in my card balance. The company has not resolved the issue and the wrong amount is being reported on my credit report. The last time I called and tried to resolve the issue was XX/XX/XXXX."],"issue":["Problem with a <em>purchase</em> shown on <em>your</em> <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> <em>about</em> a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[15.528383,"11867004"]},{"_index":"complaint-public-v1","_id":"11911665","_score":15.398931,"_source":{"product":"Credit card","complaint_what_happened":"WHY IS SynchronyBank ISSUING ME A CREDIT BEYOND THE DISPUTE OF {$1200.00}?? This Means Your Accounting ( Statements and Billing ) ARE CROOKED and that's what i had been complaining about since XXXX. \n\nOn XXXX, SynchronyBank wrote : \" .XXXX a credit of {$9.00} posted as a merchandise return.... the credit was initiated by the PROVIDER ''. This Contradicts your earlier explanation dated XXXX stating : \" In addition, a credit for {$9.00} was also applied to your balance ... as resolution for a billing dispute opened BY YOU ( XXXX ) on XX/XX/year>, in which YOU ( XXXX ) claimed you were overcharged by the merchant by {$9.00}, for the purchase in question ''. Why did you give this credit when THERE'S NO INVOICE/Charge of {$1200.00} by XXXX XXXX ? ? A credit i ( XXXX ) could never request since there was NO SUCH extra charge. YOU ARE LIARS and CRIMINALS, THAT'S WHAT YOU ARE : LIARS and CRIMINALS. \n\nWhy does SynchronyBank Statement XXXX state : PAYMENT OF AMOUNT IN DISPUTE {$1800.00} NOT REQUIRED, WHEN {$1800.00} IS SOMETHING YOU CRIMINALS FABRICATED And Later Had To Cancel. \n\nAlso, contrary to SynchronyBank Statement that i ( XXXX ) PURCHASED something in XX/XX/year>, SynchronyBank has NO EVIDENCE for this {$30.00} PURCHASE dated XXXX.","date_sent_to_company":"2025-02-03T20:51:19.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"92831","tags":null,"has_narrative":true,"complaint_id":"11911665","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-02-03T20:20:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["WHY IS SynchronyBank ISSUING ME A CREDIT BEYOND THE <em>DISPUTE</em> OF {$1200.00}?? This Means <em>Your</em> Accounting ( <em>Statements</em> and Billing ) ARE CROOKED and that's what i had been complaining <em>about</em> since XXXX. \n\nOn XXXX, SynchronyBank wrote : \" .XXXX a credit of {$9.00} posted as a merchandise return.... the credit was initiated by the PROVIDER ''."],"issue":["Problem with a <em>purchase</em> shown on <em>your</em> <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> <em>about</em> a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[15.398931,"11911665"]},{"_index":"complaint-public-v1","_id":"11132515","_score":14.887206,"_source":{"product":"Credit card","complaint_what_happened":"In additional to complaint numbers : XXXX and XXXX for the same Wells Fargo Visa credit card , I would like to add more information. I don't want to be repetitive because both Wells Fargo Visa finally responded to some of the inquiries and I attached my information that is still available in attachment. Unfortunately, CFPB platform provided by your organization doesn't give enough time for Wells Fargo Visa and myself to respond withing your timeline. How do you serve the purpose in decision making? Please provide me with a contact information, including e-mail with whom I will have ongoing conversations until this problem fully resolved. I will be happy to provide additional information upon request. \n\nAfter I reviewed all statements for XXXX and XXXX, transactions, purchases and returns this is what is not resolved. \n\n1 ) Disputes about billing, transactions, purchases that I never made and credits that I never received for returns. I do have documentation and receipts, provided multiple times to place of business and Wells Fargo Visa. Disputes over wording on statements with large amounts, stating that payment is not required. I'm unable to locate date and business for those amounts. Dispute over lost product that was mailed to place of business. No credit was issued and item was not returned to me. I lost money and product. Dispute over statement balance in XXXX that showed final balance on one statement and showed XXXX balance in biggening balance in following statement that's without payment. The balance appeared in purchases in the next statement. This is a huge bookkeeping mistake because it's neither purchase or return, a bellyflop! Disputes about no customer service in span of two years or more, slow response, no response or inability to problem solve as problem arises, this is why same disputes are still disputed to this day. Disputes over debt that wasn't paid back to me.\n\n2 ) Accrual of late fees and interests. According to Wells Fargo Visa, while the case is still under investigation they will not report to credit bureaus for no payment. In many cases they state on the statement that their clients will not be responsible for payment until case is resolved for however amount time they take. Unfortunately, this is not true the company continues to charge fees and interest on the card regardless of incomplete investigation. \n\n3 ) False credit reporting to credit bureaus that does more than lower my credit score and good standing reputation. This goes along with statement in # 2. \n\n4 ) Lowered credit limit from {$7500.00} in XXXX to {$900.00} as of right now on Wells Fargo Visa credit card. This is revolving kid or student balance for a person who has no credit history, not and experienced credit card owner with steady full payment history and good credit history. This amount will buy me nothing! \n\n5 ) Unpaid debt to me The last statement balance is {$600.00}. According to my calculations debt owed to me in XXXX is {$3600.00} - debt owed in XXXX to Wells Fargo Visa is {$14.00} = {$3500.00}. Please issue immediately issue check for {$3500.00}!","date_sent_to_company":"2024-12-12T09:24:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98031","tags":null,"has_narrative":true,"complaint_id":"11132515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-12-12T08:36:03.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["After I reviewed all <em>statements</em> for XXXX and XXXX, transactions, <em>purchases</em> and returns this is what is not resolved. \n\n1 ) <em>Disputes</em> <em>about</em> billing, transactions, <em>purchases</em> that I never made and credits that I never received for returns. I do have documentation and receipts, provided multiple times to place of business and Wells Fargo Visa. <em>Disputes</em> over wording on <em>statements</em> with large amounts, stating that payment is not required. I'm unable to locate date and business for those amounts."],"issue":["Problem with a <em>purchase</em> shown on <em>your</em> <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> <em>about</em> a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[14.887206,"11132515"]},{"_index":"complaint-public-v1","_id":"7765319","_score":14.721901,"_source":{"product":"Credit card","complaint_what_happened":"Statement dated XX/XX/23 had a balance of {$5100.00} due on XX/XX/23. That statement covered the period XXXX. Before the due date, I made two additional purchases in amount of {$640.00}, which were also paid the same day. I paid off the card in full ( statement balance plus the {$640.00} additional purchases ) on XX/XX/23 and my account reflected a {$0.00}. I then locked my card. I had to make an emergency purchase today ( XX/XX/23 ) and was initially declined and realized I had my card locked, so when I logged on to unlock my card I see a balance of {$83.00} and was confused. I look and see that despite my card being paid in full within the grace period, Barclays was now assessing me interest charges. I have never been assessed charges if balance paid in full or if paid over the minimum balance due ( please refer to prior months statements I am attaching. \n\nAlso according to their own policy in my statement about interest : \" Accrual of Interest and How to Avoid Paying Interest on Purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However, you can avoid paying interest if you pay your Purchases subject to interest ( excluding XXXX XXXX Offers ) plus any monthly XXXX XXXX Payment Amount in full by the Payment Due Date every month '' They specifically state you can avoid interest if you pay your Purchases in full by Payment Due date. Which I did. \n\nI am not disputing any month where I was assessed interest and carried a balance ( See XXXX I was assessed {$67.00}, but I also had carried a balance over so that is fine ). I am disputing as I paid in full before due date so was within grace period. And as you can see in prior months I was also not assessed interest even when carrying a balance over. I want the interest reversed as account balance was paid off well within the grace period. They are using deceptive practices and don't even follow a consistent pattern when interest could have been assessed legitimately. \n\nConsumers need to be aware of these shady practices by financial institutions.","date_sent_to_company":"2023-10-27T13:44:32.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"08054","tags":null,"has_narrative":true,"complaint_id":"7765319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2023-10-27T13:19:04.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["Also according to their own policy in my <em>statement</em> <em>about</em> interest : \" Accrual of Interest and How to Avoid Paying Interest on <em>Purchases</em>. <em>Your</em> due date is at least 23 days after the close of each billing cycle. On <em>Purchases</em>, interest begins to accrue as of the transaction date."]},"sort":[14.721901,"7765319"]},{"_index":"complaint-public-v1","_id":"7182143","_score":14.717986,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am filing yet another complaint against Synchrony Bank, due to recurring issues. My primary concern is the lack of clarity regarding the outcomes of my previous disputes. In this complaint, I will be providing specific transaction amounts and approximate dates related to some of my disputes. Yesterday, I spoke for an hour and a half with XXXX from the dispute department. She told me that for many of the disputes that I filed, I was given provisional credits that were then overturned in favor of the merchant and rebilled to my account. Synchrony Bank neglected to inform me about these reversals, which led me to believe that I had received permanent credits. When Synchrony overturned the disputes, they rebilled me for the amounts without my knowledge. In many cases, I had re-disputed the amounts multiple times, and this is reflected on the statement they sent me. Synchrony Bank 's failure to notify me about the rebilling of these disputed amounts while allowing me to believe I had received credits is deceptive. I have contacted them on numerous occasions, and they confirmed to me many times that the disputes were resolved in my favor. However, upon reviewing the statement they provided, it is evident that many of these credits were later overturned, without my knowledge. Also, the statement they sent me doesnt include the names of the merchants nor what products or services were purchased, but I have kept some notes on this information, so I will try my best to provide you with the most accurate details I have. Some of the purchases are not even on the statement they gave me for some reason, the statement is missing a few transactions. Furthermore, I contacted Synchrony today and experienced unhelpful customer service from XXXX. He displayed no willingness to assist in resolving the issues related to my disputes. XXXX even stated that he was unable to provide me with crucial information regarding the disputes, including the names of the merchants involved or the dates of the disputes or purchases. To make matters worse, he placed me on hold for an extensive 20-minute period before hanging up on me. I have included the data for my disputes in an attached file. Thank you again for your time.","date_sent_to_company":"2023-06-29T01:32:16.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92840","tags":null,"has_narrative":true,"complaint_id":"7182143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-06-29T01:14:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Synchrony Bank neglected to inform me <em>about</em> these reversals, which led me to believe that I had received permanent credits. When Synchrony overturned the <em>disputes</em>, they rebilled me for the amounts without my knowledge. In many cases, I had re-<em>disputed</em> the amounts multiple times, and this is reflected on the <em>statement</em> they sent me. Synchrony Bank 's failure to notify me <em>about</em> the rebilling of these <em>disputed</em> amounts while allowing me to believe I had received credits is deceptive."],"issue":["Problem with a <em>purchase</em> shown on <em>your</em> <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> <em>about</em> a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[14.717986,"7182143"]},{"_index":"complaint-public-v1","_id":"3859658","_score":14.472579,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XX/XX/2020 Sears Credit Complaint XXXX XXXX XXXX XXXX SD XXXX Re : Reimbursement Dispute To whom it may concern, I am writing this letter, in accordance with your guidelines, to dispute the amount of reimbursement for a program I enrolled in on XXXX XXXX under offer code : XXXX. The offer was to earn 10 % back in a statement credit on eligible online purchases. I called in several times to insure I understood the qualifications to participate in the stated program offer. Each time, I was told, as long as you make the purchase, or make the payment online, it will qualify for reimbursement. I proceeded to make purchases online during the qualifying period of XXXX after I had activated the promotion. I was reimbursed for some of the purchases, but not for others. Each time I received my statement, I called in to question the rate of reimbursement. The first time was after receiving my statement with closing date of XX/XX/2020. This call was made on XX/XX/2020 with a CSR named XXXX, who informed me she filed a complaint ( Reference # XXXX ) and that I should have a response from the appropriate Department. I heard/received nothing. The next time I called in was XX/XX/2020 after receiving my XX/XX/2020 statement and spoke to 3 different CSR with different levels of authority. Each one said the complaint had been filed and I should hear/receive an updated status from that Department. As previously stated, I heard/received nothing in response. The last time I called was in reference to a specific payment I made online after calling and speaking to one of your CSR and asking specifically about the category. I was told by your CSR named Mr. XXXX on XX/XX/2020 that a payment made online to my Cable Company ( XXXX ) would definitely qualify as being eligible. I made that payment on XX/XX/2020 online in the amount of {$230.00} and it posted to my account on XX/XX/2020. After waiting for the usual lag time of posting to reimbursement on a statement, I called on XX/XX/2020 and was told by your CSR named XXXX ( after speaking with his supervisor ) that the payment was registered as being done in store. This is ironic, because the XXXX store was CLOSED because of Covid-19 on that date. This is the same, excuse my expression, ridiculous answers I have received for all of the purchases/payments that have not been reimbursed properly. \nTherefore, after many calls to your CSR team and non-response from your Complaint Department, I am officially filing this dispute of your handling of this matter. The charges I am asking for reimbursement, that I have not received are as follows : TRANS DATE DESCRIPTION $ AMOUNT REIMBURSEMENT AMOUNT XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX This amounts to a total of {$140.00} additional amount due from reimbursement of Online purchases made during the promotional period. I would ask that you acknowledge receipt of this claim and a determination of payment procedures. Thank you, in advance for your anticipated prompt attention to this matter. \n\nXX/XX/2020 Sears Credit Complaint XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Re : Reimbursement of Promo Funds Attn : Billing Disputes Department To whom it may concern, I am writing this letter to refute your statement of We were not contacted in a timely manner on some of your documents posted to my account. As I mentioned in my letter dated XX/XX/2020, I called beginning XX/XX/2020 to dispute the reimbursement amounts for the promotion on my online purchases. At that time, I was told by your representative that a complaint had been filed ( reference # XXXX ) and that your department would be in touch with me. I continued to call EACH month when I received my statement, and was told that the complaint had been filed and you were continuing your investigation into the complaint, and that I would hear from you when you had made a decision. These calls are within the time guidelines of your terms to file a dispute and you are the the ones that DID NOT RESPOND IN A TIMELY MANNER. It was not until I wrote my letter that you FINALLY responded to my claims for reimbursement. Please review my Account Documents beginning XX/XX/2020 with NOTHING being documented from XX/XX/2020 until that time, contrary to what your representatives stated to me on each call. I wish to have my claims reinstated and have reimbursement for the promised Promotional Amounts credited to my account. \nAlso, for your records, I have NEVER disputed the amounts charged to my account from the vendor, as you stated in some of your documents. You are asking me to provide vendor contacts in an attempt to rectify the charges. This is an erroneous statement on your behalf, as the ONLY amounts I am disputing are YOUR reimbursement amounts for my ONLINE PURCHASES I made in accordance with the guidelines provided to me by your CSR associates on numerous occasions during the promotional  purchase period from XX/XX/2020 through XX/XX/2020. Please correct your records and proceed to investigate the correct amounts of my disputes. \nI am anticipating a prompt response to my inquiry and a satisfactory remedy prior to beginning the next actions if necessary.","date_sent_to_company":"2020-09-22T16:15:56.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"21146","tags":"Older American","has_narrative":true,"complaint_id":"3859658","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-09-22T15:44:41.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["This is an erroneous <em>statement</em> on <em>your</em> behalf, as the ONLY amounts I am <em>disputing</em> are <em>YOUR</em> reimbursement amounts for my ONLINE <em>PURCHASES</em> I made in accordance with the guidelines provided to me by <em>your</em> CSR associates on numerous occasions during the promotional  <em>purchase</em> period from XX/XX/2020 through XX/XX/2020. Please correct <em>your</em> records and proceed to investigate the correct amounts of my <em>disputes</em>."]},"sort":[14.472579,"3859658"]},{"_index":"complaint-public-v1","_id":"10072669","_score":14.460144,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Dispute of Interest Charges on Best Buy Credit Card Account Dear Sir/Madam, I formally disputed the interest charges that have been applied to my Best Buy credit card account ending with XXXX. Despite my efforts to make regular payments and adhere to the promotional terms offered at the time of my purchases, I believe that these interest charges are incorrect and unfairly applied. \n\nOn XX/XX/XXXX, I made my first purchase using the Best Buy credit card, acquiring two XXXX XXXX for a total amount of {$4100.00} from Best Buy. I began making monthly payments of {$180.00} starting in XX/XX/XXXX. This purchase was made during a promotional campaign a 0 % APR offer. \n\nOn XX/XX/XXXX, I made a second purchase of XXXX XXXX amounting to {$770.00}, which was under a one-year 0 % APR promotion. I continued my monthly payments of {$180.00} for both purchases. \n\nIn XX/XX/XXXX, while reviewing my statements in preparation for the end of what I believed to be the promotional period, I discovered that {$1200.00} of interest was charged to my account in XX/XX/XXXXXXXX  and another {$380.00} of interest was charged in XX/XX/XXXX. \nAs of XX/XX/XXXX, the total amount of my payments was {$3700.00}, and the remaining amount before the interest charges was {$1100.00}. To my surprise, I found that my remaining balance was higher than expected due to these interest charges. I immediately paid the remaining balance of {$1100.00} on XX/XX/XXXX, excluding the disputed interest charges According to the billing statement, \" Your Rights If You Are Dissatisfied with Your Credit Card Purchases '' indicates that if certain criteria are met, I may have the right not to pay the remaining amount due on the purchase if I am dissatisfied with the goods or services and have tried in good faith to correct the problem with the merchant. \n\nTo use this right, all the following must be true : The purchase must have been made in my home state or within XXXX miles of my current mailing address, and the purchase price must have been more than {$50.00}. \nI must have used my credit card for the purchase. \nI must not yet have fully paid for the purchase. \nGiven that all these criteria are met and I am still dissatisfied with the application of interest charges despite my good faith efforts, I believe I am within my rights to dispute these charges. \n\nI should have been adequately notified before these interest charges were applied. The statements were only available online, and I neither received any physical mail, email, or text ( SMS ) warnings about the impending interest charges. As a responsible customer, I made consistent payments under the impression that I complied with the promotional terms. Another important fact is that there was no notice in the statement before the promotion term ending month. \n\nGiven these circumstances, I request that the interest charges be reviewed and removed from my account. I have acted in good faith to resolve this issue directly with Best Buy writing a formal letter explaining the situation in detail. \n\n\nThank you for your prompt attention to this matter. I look forward to your response and a resolution to this issue. \n\nSincerely,","date_sent_to_company":"2024-09-11T02:15:12.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"08053","tags":null,"has_narrative":true,"complaint_id":"10072669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-09-11T01:44:07.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I immediately paid the remaining balance of {$1100.00} on XX/XX/XXXX, excluding the <em>disputed</em> interest charges According to the billing <em>statement</em>, \" <em>Your</em> Rights If You Are Dissatisfied with <em>Your</em> Credit Card <em>Purchases</em> '' indicates that if certain criteria are met, I may have the right not to pay the remaining amount due on the <em>purchase</em> if I am dissatisfied with the goods or services and have tried in good faith to correct the problem with the merchant."],"sub_issue":["Confusing or misleading advertising <em>about</em> the credit card"]},"sort":[14.460144,"10072669"]},{"_index":"complaint-public-v1","_id":"5791397","_score":14.3776455,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am involved in a dispute with the CitiCards regarding fraudulent charges that were made using my credit card on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was alerted via email about the suspicious activities by the CitiCard Fraud Department. Later, the same day, I spoke to the CitiCard Fraud Department representative, and I was made aware of three \" suspicious '' purchases charged to my account on XX/XX/XXXX and XX/XX/XXXX. I informed the person to whom I spoke that neither me, my wife or my daughter ( two other authorized card holders ) made these purchases and that we did not use the card at all on the days in question. However, when I received a statement for the period of XXXX through XX/XX/XXXX, there were 27 more charges made during the period between XXXX and XX/XX/XXXX, amounting to XXXX dollars. When I disputed the charges, I was informed, via a generic letter, that the \" dispute has been closed '' and that I am responsible for the charges I was not told about because and I quote \" The card 's XXXX chip was used to make disputed transaction ( s ) at the chip enabled card reader. You verified that your card was in your possession at the time of the transition ( s ), so we don't consider this fraudulent activity ''.\n\nI have made numerous phone calls and sent three emails to CitiBank Security Services that I am submitting as the attachments for your review. I have been very frustrated with the contradicting messages that I was given during my numerous attempts to resolve the problem. CitiCards admits that the purchases that they alerted me about and that they identified as fraudulent were made with the same card and with the same chip as the purchases they want me to pay for. They ignore my inquiries and refuse to explain how they reached two contradicting decisions about the purchases that were made with the same card, during the same time and in the same area. Even though the charges were made 40 miles away from my place of residence and we provided CitiBank with the evidence that none of the card holders were in this area at the time when the disputed purchases took place.","date_sent_to_company":"2022-07-20T21:54:25.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"60018","tags":"Older American","has_narrative":true,"complaint_id":"5791397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-07-20T21:18:07.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["When I <em>disputed</em> the charges, I was informed, via a generic letter, that the \" <em>dispute</em> has been closed '' and that I am responsible for the charges I was not told <em>about</em> because and I quote \" The card 's XXXX chip was used to make <em>disputed</em> transaction ( s ) at the chip enabled card reader. You verified that <em>your</em> card was in <em>your</em> possession at the time of the transition ( s ), so we don't consider this fraudulent activity ''."],"issue":["Problem with a <em>purchase</em> shown on <em>your</em> <em>statement</em>"],"sub_issue":["Card was charged for something you did not <em>purchase</em> with the card"]},"sort":[14.3776455,"5791397"]},{"_index":"complaint-public-v1","_id":"16234734","_score":14.34994,"_source":{"product":"Credit card","complaint_what_happened":"On XXXX, Synchrony Bank wrote : `` Upon further review, we have determined that incorrect information was provided ( by Synchrony Bank ) in our previous response ... dated XX/XX/XXXX, we stated we previously waived interest charges totaling {$17.00} ; however, only {$8.00} was for interest charges ''. I have stated numerous times since XXXX thatyour accounting, Statements and billing are FRAUDULENT. That's what i had been complaining about since XXXX. \n\nIn your recent letter, XXXX, Synchrony wrote : '' XXXX.. you contacted us ( LIARS ) to dispute {$9.00} of the purchase ( LIARS ) in the amount of {$1200.00} made on XX/XX/XXXX... we issued a credit in the amount of {$9.00} ( in XXXX ) ''. On XXXX, SynchronyBank wrote : \" XXXX a credit of {$9.00} posted as a merchandise return. ... the credit was INITIATED BY THE PROVIDER ''. This is a Contradiction of Synchrony 's earlier explanation dated XXXX, stating : \" In addition, a credit for {$9.00} was also applied to your balance ... as resolution for a billing dispute opened by you ( LIARS ) on XX/XX/XXXX, in which you claimed you were overcharged ( LIARS ) by the merchant by {$9.00}, for the purchase in question ''. Why did Synchrony give this credit when THERE'S NO INVOICE/Charge of {$1200.00} by XXXX XXXX XXXX? A credit i could never request since there was NO SUCH extra charge. YOU ARE LIARS and CRIMINALS, That's what you are : Liars and Criminals. \n\nIn your recent letter, XXXX, Synchrony wrote : \" we determined your billing statement may have been delayed or not sent. Therefore, an adjustment was made to your account, and a credit for interest charges totaling {$8.00} was issued ( in XXXX ) '' ; when the purchase was on a PROMOTIONAL and the purchase was DISPUTED since XXXX.","date_sent_to_company":"2025-09-30T04:23:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"92831","tags":null,"has_narrative":true,"complaint_id":"16234734","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-09-30T04:07:03.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["In <em>your</em> recent letter, XXXX, Synchrony wrote : \" we determined <em>your</em> billing <em>statement</em> may have been delayed or not sent. Therefore, an adjustment was made to <em>your</em> account, and a credit for interest charges totaling {$8.00} was issued ( in XXXX ) '' ; when the <em>purchase</em> was on a PROMOTIONAL and the <em>purchase</em> was <em>DISPUTED</em> since XXXX."],"issue":["Problem with a <em>purchase</em> shown on <em>your</em> <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> <em>about</em> a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[14.34994,"16234734"]},{"_index":"complaint-public-v1","_id":"1390329","_score":14.20999,"_source":{"product":"Credit card","complaint_what_happened":"I obtained a Target Red Credit Card about 3 years ago. In XX/XX/XXXX, I stopped using the card after noticing high interest rates, hidden fees, can not view a copy of your receipt or billing statement XXXX it does not show actual line item purchases, just the sale total ), the running total is not accurate and other hidden charges. If you lose your receipt, you can not dispute these charges or show proof of purchase on a warranty and Target deliberately does this, hoping the customer will lose their receipt so that they can continue to hide hidden fees on their Redcard Statement and do not have to honor a warranty. They will not assist you in locating the purchase either. I purchased a XXXX XXXX vacuum that broke. When I contacted Target to assist me in getting a copy of my receipt, I was told if I did not know the date of purchase, the exact amount of the total purchase or the price of the item they could not help me, although I provided them with the information from the item. I complained to Target 's main office and the BBB, but Target basically stopped cooperating. The card has a line of credit for {$1500.00} the balance in XX/XX/XXXX Target claimed was {$1400.00}. Since XX/XX/XXXX, I have paid between $ 100- {$120.00} per month for a total of {$1200.00} to date or XX/XX/XXXX. My balance therefore should be {$370.00}. Just like XXXX, Target is ripping off their customers and the public.","date_sent_to_company":"2015-05-23T16:06:29.000Z","issue":"Billing statement","sub_product":null,"zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"1390329","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2015-05-23T16:06:28.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["If you lose <em>your</em> receipt, you can not <em>dispute</em> these charges or show proof of <em>purchase</em> on a warranty and Target deliberately does this, hoping the customer will lose their receipt so that they can continue to hide hidden fees on their Redcard <em>Statement</em> and do not have to honor a warranty. They will not assist you in locating the <em>purchase</em> either. I <em>purchased</em> a XXXX XXXX vacuum that broke."],"issue":["Billing <em>statement</em>"]},"sort":[14.20999,"1390329"]},{"_index":"complaint-public-v1","_id":"9246273","_score":14.1167965,"_source":{"product":"Credit card","complaint_what_happened":"Bank of America , N.A . ( \" Defendant '' ), account number ending in XXXX Credit card company isn't resolving a dispute about a purchase on your statement billing dispute, dispute resolution process, FRAUD TRANSACTION ( S ) ON ACCOUNT, I do not recognize this transaction and have never authorized it. Pursuant to XXXX XXXX XXXX XXXX, I am politely requesting to dispute this charge and the issuance of a full credit to my account. I have attached additional details below on this matter. \n\nXXXX. Request Please credit the full amount back to my account and open a case against the merchant. I have always appreciated your timely and professional customer support and that is the main reason why I am a loyal patron of Bank Of America to this day.","date_sent_to_company":"2024-06-12T16:02:43.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33313","tags":null,"has_narrative":true,"complaint_id":"9246273","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-06-12T15:52:46.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Bank of America , N.A . ( \" Defendant '' ), account number ending in XXXX Credit card company isn't resolving a <em>dispute</em> <em>about</em> a <em>purchase</em> on <em>your</em> <em>statement</em> billing <em>dispute</em>, <em>dispute</em> resolution process, FRAUD TRANSACTION ( S ) ON ACCOUNT, I do not recognize this transaction and have never authorized it. Pursuant to XXXX XXXX XXXX XXXX, I am politely requesting to <em>dispute</em> this charge and the issuance of a full credit to my account. I have attached additional details below on this matter. \n\nXXXX."],"issue":["Problem with a <em>purchase</em> shown on <em>your</em> <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> <em>about</em> a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[14.1167965,"9246273"]},{"_index":"complaint-public-v1","_id":"18319815","_score":14.09367,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Greetings, I would like to report the recipient below transaction for using Friends and Family payment option for business transaction. \n\nI did not receive the purchased service. I believe I was scammed by requesting payment through Friends and Family. I contacted the recipient several times but to no avail. \n\nI realize I am not covered by PayPal refund policy however I want to ensure this recipients account would be flagged for PayPal policy violation. \n\n\nXXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX Hello, XXXX XXXX PayPal Your payment details Transaction ID XXXX Transaction Date XX/XX/year> Sender XXXX XXXX XXXX Recipient XXXX XXXX XXXX Funds will be available to your recipient on or before : XX/XX/year> Description Amount Payment amount ( in currency funded ) XXXX XXXX  Your fee XXXX XXXX  Your total charge XXXX XXXX  Conversion rate XXXX XXXX  = XXXX XXXX  Payment amount ( in currency received ) XXXX XXXX  Cancellations Rights Statement You have the right to cancel for a full refund unless your designated recipient has already received the payment. However, since most PayPal payments are received within seconds, you may not be able to cancel your payment for a full refund once the payment is made. To determine whether your payment is eligible for cancellation, log in to PayPal.com, select the transaction in your transaction details, and select Cancel, or call PayPal Customer Service at XXXX XXXX. \n\nDisputes Rights and Complaints Statements About Disputes If this payment is for an item you purchased but havent received, or its not as described, your purchase may be covered under PayPal, Inc.s purchase protection. In those cases, you can file a dispute in the Resolution Center within 180 days of payment. Just log in to your PayPal account at www.paypal.com and go to the Resolution Center or call Customer Service at XXXX. \n\nYou have a right to dispute errors in your transaction. If you think there is an error, such as a payment that was never received or that was processed for the wrong amount, contact Customer Service at XXXX within 180 days. You can also contact us for a written explanation of your rights. \n\nIf you dont recognize this payment or want to report it as unauthorized, you should contact the Resolution Center at XXXX or call Customer Service at the number above.\n\nFor questions or complaints about PayPal, you can contact these agencies : Department of Banking and Finance XXXX XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX or XXXX ( TTY/TDD ) www.consumerfinance.gov PayPal Help & Contact | Security | Apps XXXX XXXX XXXX XXXX PayPal XXXXs committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing","date_sent_to_company":"2025-12-27T18:20:42.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"30087","tags":"Older American","has_narrative":true,"complaint_id":"18319815","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-12-27T18:11:36.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Disputes</em> Rights and Complaints <em>Statements</em> <em>About</em> <em>Disputes</em> If this payment is for an item you <em>purchased</em> but havent received, or its not as described, <em>your</em> <em>purchase</em> may be covered under PayPal, Inc.s <em>purchase</em> protection. In those cases, you can file a <em>dispute</em> in the Resolution Center within 180 days of payment. Just log in to <em>your</em> PayPal account at www.paypal.com and go to the Resolution Center or call Customer Service at XXXX. \n\nYou have a right to <em>dispute</em> errors in <em>your</em> transaction."]},"sort":[14.09367,"18319815"]},{"_index":"complaint-public-v1","_id":"5353408","_score":14.061783,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XX/XX/XXXX I received a billing statement for my XXXX XXXX XXXX XXXX credit card issued by Comenity Bank. The Statement Balance amount was {$170.00} with a Minimum Balance of {$36.00} needing to be paid by XX/XX/XXXX. I paid the entire {$170.00} online for XX/XX/XXXX and such payment was reflected on my online transaction history ( see attached ), as well as on my XX/XX/XXXX billing statement. I scheduled the XX/XX/XXXX payment on XX/XX/XXXX and selected to pay the \" Current Balance '' when I made such payment to ensure it would be at a zero balance. The disclosure on my statement says \" HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the dues date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment or Budget Payment Credit Plan from the date of the purchase. \n\nMy payment was posted on XX/XX/XXXX. I did not make any additional charges AFTER paying off that balance. Generally, my other Comenity issued credit cards disclose the balance and any Min. Amounts Due in the email template ( e.g. XXXX and XXXX ). On XX/XX/XXXX I happened to hit the CTA on my XXXX Bath and XXXX emailed statement. To my surprise I had a PAST DUE balance. I immediately paid the balance thinking that I must have made an additional purchase that I forgot about. On XX/XX/XXXX, I received a notice from the CRAs that my account was being reported as 30 days past due. While I did still receive email notifications regarding monthly statements from XX/XX/XXXX - XX/XX/XXXX, there was only a CTA and no balance information or past due email warning in any of my emails so I had assumed the balance was zero. Additionally, I did not receive any new purchase alerts and I already paid off my balance by the Due Date back in XX/XX/XXXX, so not expecting a balance of any kind. I called to dispute the credit reporting status with Comenity and was told that in XX/XX/XXXX, after I paid the full balance, I was charged an additional {$3.00} interest on XX/XX/XXXX. I was confused by this since I paid the XXXX XXXX amount for the previous cycle by the Due Date to avoid additional interest, as indicated in my statement disclosures. I was advised to submit an electronic secure message through the XXXXXXXX XXXX XXXX XXXXXXXX Comenity portal. I submitted the request on or about XX/XX/XXXX disputing the additional interest, as well as the late status because I should never have been charged the interest by the Company. I received a response on XX/XX/XXXX that I received a reversal of one of their late fees and would receive a letter in the mail about my credit report request. I received the letter in snail mail today, XX/XX/XXXX stating that my request was denied, but there was no reason as to why.","date_sent_to_company":"2022-03-22T21:29:24.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"11729","tags":null,"has_narrative":true,"complaint_id":"5353408","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2022-03-22T20:23:43.000Z","state":"NY","company_public_response":null,"sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["The disclosure on my <em>statement</em> says \" HOW TO AVOID PAYING INTEREST. <em>Your</em> due date is at least 25 days after the close of each billing cycle. We will not charge you interest on <em>purchases</em> if you pay <em>your</em> entire balance by the dues date each month. We will begin to charge interest on new <em>purchases</em> made under a Low APR, Equal Payment or Budget Payment Credit Plan from the date of the <em>purchase</em>. \n\nMy payment was posted on XX/XX/XXXX."]},"sort":[14.061783,"5353408"]},{"_index":"complaint-public-v1","_id":"5266837","_score":13.931415,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XX/XX/2021 we contacted XXXX stating we noticed charges on our credit card statement that we did not purchase from XXXX. XXXX acknowledge in writing on XX/XX/2021 to XXXX XXXX that \" I was able to find the charges on another customer 's account for {$3700.00} but, for security purposes, I am unable to share the details with you. If you still do not recognize these charges, please dispute the charges with your bank. To avoid any additional charges, I also recommend asking your bank about the possibility of having the card reissued. Also, none of these purchases were related to your XXXX account or address ( es ) listed in your account ''. \nXXXX contacted Bank of America an a new card was reissued. Old card ended is XXXX. Also disputed the charges multiply times and Bank of America always responded in writing \" As you requested, we completed a re-evaluation of your credit card dispute {$3700.00} - unfortunately, our decision to decline your fraud clam for this transaction ( s ) hasn't changed. '' We have disputed this many, many times including sending a police report and a copy of the XXXX email stating they were not our changes and still Bank of America declines the claims. \n\nXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-02-27T20:47:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"028XX","tags":"Older American","has_narrative":true,"complaint_id":"5266837","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-02-27T19:42:54.000Z","state":"RI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["To avoid any additional charges, I also recommend asking <em>your</em> bank <em>about</em> the possibility of having the card reissued. Also, none of these <em>purchases</em> were related to <em>your</em> XXXX account or address ( es ) listed in <em>your</em> account ''. \nXXXX contacted Bank of America an a new card was reissued. Old card ended is XXXX."],"issue":["Problem with a <em>purchase</em> shown on <em>your</em> <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> <em>about</em> a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[13.931415,"5266837"]},{"_index":"complaint-public-v1","_id":"3182600","_score":13.8527565,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I believe that WELLS FARGO committed fraud on my Visa XXXX XXXX Account via keeping a bank credited dispute transaction fee on my account for a prolonged period of time thereby falsely inflating my negative credit balance. In other words, this fraudulent practice made me believe that I had more monies on my account than I actually did since WELLS FARGO failed to removed the disputed credited transactions from my account in a timely manner, and made me think that the credited transactions were in fact permanent, when they were in fact temporary. It was not until months later that said WELLS FARGO removed the bank credited temporary balances from my account after I made additional purchases with my WELLS FARGO XXXX XXXX  VISA CARD. \n\nPlease Review Supplemental Data as Follows From Wells Fargo : A : XXXX We are currently investigating your dispute. This review could take up to 60 days to complete.\n\nIn the meantime, weve temporarily credited your account ( this can take 48 hours to show on your account ) for the amount of the disputed transaction. \n\nIf the merchant agrees that you are owed a refund, the temporary credit becomes permanent, and well close your dispute. \n\nIf the merchant disagrees with our request, well contact you with more details on what happens next.\n\nA notation may appear on your next billing statement advising you that the amount of your dispute is not required for payment. This notice will be removed after the statement period closes, unless you have another dispute open or under review. Waiting until the statement closes ensures that you will not be charged any finance charges or fees on the disputed transaction while under investigation. \n\nB : XXXX We are currently investigating your dispute. This review could take up to 60 days to complete. \n\nIn the meantime, weve temporarily credited your account ( this can take 48 hours to show on your account ) for the amount of the disputed transaction. \n\nIf the merchant agrees that you are owed a refund, the temporary credit becomes permanent, and well close your dispute. \n\nIf the merchant disagrees with our request, well contact you with more details on what happens next. \n\nA notation may appear on your next billing statement advising you that the amount of your dispute is not required for payment. This notice will be removed after the statement period closes, unless you have another dispute open or under review. Waiting until the statement closes ensures that you will not be charged any finance charges or fees on the disputed transaction while under investigation. \n\nC : XXXX 2018 We contacted the merchant 24 days ago about your dispute. \n\nWe have no news yet, but the merchant has a total of 45 days to get back to us. \n\nWell let you know as soon as we hear from the merchant. \n\nYou do not need to take any action at this time. We just wanted to assure you that your dispute is still in process. Thank you for your patience. \n\nD : XXXX.2018 We are pleased to let you know that the temporary credit we posted to your account for XXXX on XX/XX/2018 is now permanent. \n\nYour dispute is now closed. \nA dispute final close letter will be sent through the US postal service. \n\nXXXX : XXXX18 We are pleased to let you know that the temporary credit we posted to your account for XXXX on XX/XX/2018 is now permanent. \n\nYour dispute is now closed. \nA dispute final close letter will be sent through the US postal service.\n\n// END OF WELLS FARGO DATA// SUMMARY As one can see, from this date forward, WELLS FARGO should have immediately removed the temporary credit that they issued to me months ago. instead, they kept the credit that they issued me along with the merchants credit to fraudulently inflate my negative credit card balance. After a few months, when I finally made a few purchases, they then removed the temporary credit immediately showing that I in fact owed them, when in fact they should have removed the temporary BANK ISSUED CREDIT months ago prior to my making any purchases which was in fact months later. This practice of over inflating my negative balance is in fact fraud due to the lack of BANKING & CREDIT CARD ACCOUNTABILITY AND REPORTING AS PER 18 U.S. Code 1344.","date_sent_to_company":"2019-03-17T09:03:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"89149","tags":"Servicemember","has_narrative":true,"complaint_id":"3182600","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-03-17T08:14:41.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["A notation may appear on <em>your</em> next billing <em>statement</em> advising you that the amount of <em>your</em> <em>dispute</em> is not required for payment. This notice will be removed after the <em>statement</em> period closes, unless you have another <em>dispute</em> open or under review. Waiting until the <em>statement</em> closes ensures that you will not be charged any finance charges or fees on the <em>disputed</em> transaction while under investigation. \n\nC : XXXX 2018 We contacted the merchant 24 days ago <em>about</em> <em>your</em> <em>dispute</em>."],"issue":["Problem with a <em>purchase</em> shown on <em>your</em> <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> <em>about</em> a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[13.8527565,"3182600"]},{"_index":"complaint-public-v1","_id":"18867100","_score":13.824031,"_source":{"product":"Credit card","complaint_what_happened":"On XXXX, Synchrony Bank wrote : XXXX We can confirm that incorrect information was provided ( by XXXX ) in our previous response... It was incorrectly stated that interest charges in the amount of {$17.00} were waived... Further review ... confirms a credit in the amount of {$9.00} was previously provided by Synchrony on XX/XX/XXXX '' ; for a PROMOTIONAL Purchase that was DISPUTED since XXXX. You Are Criminals. \n\nOn XXXX, Synchrony wrote : \" we determined your billing statement may have been delayed or not sent. Therefore, an adjustment was made to your account, and a credit for interest charges totaling {$8.00} was issued ( in XXXX ) '' ; for a PROMOTIONAL Purchase that was DISPUTED since XXXX. There should be Apologies and Compensation for these Bank ATTEMPTS TO STEAL FROM THE VULNERABLE. It is INHUMANE. For months, since XXXX, Synchrony Bank Attempted To Steal from me as Synchrony Bank terrorized me with Harassing Letters over Synchrony Bank XXXX FRAUDULENT Accounting and Fraudulent Statements. Synchrony Bank XXXX Attempt to steal from the vulnerable is INHUMANE. \n\nOn XXXX, Synchrony Bank wrote : `` Upon further review, we have determined that incorrect information was provided ( by Synchrony Bank )... waived interest charges totaling {$17.00} ; however, only {$8.00} was for interest charges ''. I have stated numerous times since XXXX thatyour accounting, Statements and billing are FRAUDULENT. That's what i had been complaining about since XXXX. \n\nOn XXXX, Synchrony wrote : '' XXXX.. you contacted us to dispute {$9.00} ( XXXX  ) of the purchase in the amount of {$1200.00} made on XX/XX/XXXX... we issued a credit in the amount of {$9.00} ( in XXXX ) ''. On XXXX, XXXX wrote : \" XXXX a credit of {$9.00} posted as a merchandise return... the credit was INITIATED BY THE PROVIDER ''. This is a Contradiction of Synchrony 's earlier explanation dated XXXX, stating : \" In addition, a credit for {$9.00} was also applied to your balance ... as resolution for a billing dispute opened by you ( XXXX  ) on XX/XX/XXXX, in which you claimed you were overcharged ( XXXX  ) by the merchant by {$9.00}, for the purchase in question ''. Why did Synchrony give this credit when THERE'S NO INVOICE/Charge of {$1200.00} by XXXX XXXX XXXX? A credit i could never request since there was NO SUCH extra charge. YOU ARE XXXX, CRIMINALS and INHUMANE XXXX.","date_sent_to_company":"2026-01-20T19:38:36.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"92831","tags":null,"has_narrative":true,"complaint_id":"18867100","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-01-20T19:15:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Further review ... confirms a credit in the amount of {$9.00} was previously provided by Synchrony on XX/XX/XXXX '' ; for a PROMOTIONAL <em>Purchase</em> that was <em>DISPUTED</em> since XXXX. You Are Criminals. \n\nOn XXXX, Synchrony wrote : \" we determined <em>your</em> billing <em>statement</em> may have been delayed or not sent. Therefore, an adjustment was made to <em>your</em> account, and a credit for interest charges totaling {$8.00} was issued ( in XXXX ) '' ; for a PROMOTIONAL <em>Purchase</em> that was <em>DISPUTED</em> since XXXX."],"issue":["Problem with a <em>purchase</em> shown on <em>your</em> <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> <em>about</em> a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[13.824031,"18867100"]},{"_index":"complaint-public-v1","_id":"1456248","_score":13.799362,"_source":{"product":"Debt collection","complaint_what_happened":"I received a letter from Portfolio Recovery in Reference to the below mentioned account number. This debt was cancelled by the original Credit Card Company after I disputed this debt as paid and also filed a complaint against the company, XXXX Bank. Portfolio has stated that I failed to submit information to prove that the debt was invalid, I did not receive any communication from Portfolio Recovery until today about this debt. It was cancelled in XX/XX/XXXX. I am enclosing the statement issued thru CFPB by Portfolio Recover after my filing and also I am faxing the letter that they sent to me, that I received yesterday. \n\nThis debt was settled years ago thru another collection agency. \nCase number : XXXXRelated Case Number : XXXXBackStatus Response not disputedPortfolio Recovery Associates LLC said : Explanation of closurePRA purchased the XXXX Bank XXXX credit card account ending in XXXX from XXXX Bank on or about XX/XX/XXXX. Business records provided to PRA by XXXX Bank at the time of our purchase verify that the account was opened on XX/XX/XXXX, by XXXX XXXX whose social security number ends in XXXX and that a balance of {$620.00} was due on the account at the time of PRA 's purchase. \nIn response to your dispute, we closed the PRA account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. \n\n\n\nReliefIn response to your dispute, Portfolio Recovery Associates , LLC ( \" PRA '' XXXX closed the account and requested that the consumer reporting agencies remove our tradeline for the PRA account ending in XXXX from their credit reporting. \n\n\n\n\n\nResponsePRA received and investigated your dispute. We closed the PRA account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. We believe that no further steps in response to your complaint or follow-up actions are required at this time.","date_sent_to_company":"2015-07-09T12:01:17.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Credit card","zip_code":"758XX","tags":null,"has_narrative":true,"complaint_id":"1456248","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2015-07-08T14:57:25.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I am enclosing the <em>statement</em> issued thru CFPB by Portfolio Recover after my filing and also I am faxing the letter that they sent to me, that I received yesterday. \n\nThis debt was settled years ago thru another collection agency. \nCase number : XXXXRelated Case Number : XXXXBackStatus Response not <em>disputed</em>Portfolio Recovery Associates LLC said : Explanation of closurePRA <em>purchased</em> the XXXX Bank XXXX credit card account ending in XXXX from XXXX Bank on or <em>about</em> XX/XX/XXXX."]},"sort":[13.799362,"1456248"]},{"_index":"complaint-public-v1","_id":"9703151","_score":13.734531,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Complaint Against American Express On XX/XX/year>, a cash rewards credit balance of {$9.00} due me was issued to my American Express Business Cash account. On XX/XX/year>, without prior warning or notification, American Express refunded this credit balance to themselves. \nI called American Express on XX/XX/year>, to inquire about this. I was informed by a customer service representative that if an account is inactive for 60 days, American Express takes back any credit balances. ( Note, this refund was done after 105 days of inactivity on XX/XX/XXXX ). I asked where this policy/practice was documented. He said it was a part of my card member agreement. Upon reviewing the agreement we both noticed it only made reference to a rewards balance being forfeited at the time an account is closed. We both continued to search for the answer to my question. In the interim, the representative offered to send me a check for the amount of the balance while subsequently stating it is the card members responsibility to request a check. I suggested that he not spend any more time on searching for the policy, and that I would continue to search for answers independently. \nEventually what I found in the The Reward Dollars Summary subsection of the Cardmember Agreement : If a credit to your Card Account places your eligible purchases in a negative status, the Reward Dollars Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. \nAlso, in the Credit Balances subsection ( Page XXXX ) of my statements : A credit balance ( designated CR ) shown on this statement represents money owed to you. If within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is {$1.00} or more. \nWhile logged into my account online, I found no way to inquire further about this practice, no email address for customer support, and no option to attach a document with my findings to the 'dispute ' the customer representative opened on my behalf. \nThis practice of reclaiming credit balances without clear communication or documentation is unacceptable and caused unnecessary inconvenience and research only to find confusing and conflicting statements as to how credit balances are handled. I believe it violates consumer protection laws and regulations designed to ensure fair and transparent treatment of customers. I ask that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that American Express rectifies these issues and adheres to fair business practices, as well as to their own practices. Please find attached copies of relevant documentation, including billing statements. \nThank you for your attention to this matter.","date_sent_to_company":"2024-08-05T03:05:43.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"08822","tags":null,"has_narrative":true,"complaint_id":"9703151","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-08-05T02:57:30.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["Eventually what I found in the The Reward Dollars Summary subsection of the Cardmember Agreement : If a credit to <em>your</em> Card Account places <em>your</em> eligible <em>purchases</em> in a negative status, the Reward Dollars Summary on <em>your</em> billing <em>statement</em> will show a negative balance. It will continue to show a negative balance until you accumulate eligible <em>purchases</em> exceeding the negative eligible <em>purchases</em>."]},"sort":[13.734531,"9703151"]},{"_index":"complaint-public-v1","_id":"3368914","_score":13.687913,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint Number XXXXStep 1What product or service is your complaint about?Step 2What type of problem are you having?(https://www.consumerfinance.gov/)Submit a complaint / Complaint filedPRODUCT OR SERVICECredit card or prepaid cardTYPEGeneral-purpose credit card or charge cardISSUEProblem with a purchase shown on your statementHAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?YesTYPE OF ISSUECredit card company isn't resolving a dispute about a purchase on your statementXX/XX/ Complaint Printhttps://complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print?sessionid=XXXX... XXXXStep 3What happened?Last month the above took out a debt consolidation loan with a company by the name ofXXXX XXXX account was approved for XXXX as a line of credit and about the 25th of last\n\nmonth the above issued check from his XXXX account in the amount of $XXXX. mailedthe check with his monthly credit card statement to XXXX less than 48 hours XXXX hadcredited the amount of the check to the above credit card and available balance , afterabout 10 days there became a problem with that check that was deposited and then whenthe above made contact with XXXX XXXX XXXX to ask them why they did not Institute aHold on said check in order to verify funds before accrediting my account they said they donot verify checks, after speaking with my account representative at XXXX XXXX   heinforms me that after XX/XX/XXXX With XXXX XXXX XXXX problem all federal and state institutionsare required to verify accounts if they are above $1000. Therefore if XXXX had placed ahold on said check and then said check had a problem then the only issue between thecustomer and the bank would be a returned check fee not a account overdrawn fee?XXXX XXXX feels XXXX  is negligent and therefore XXXX feels that they do nothave to pay for XXXX  mistakesWhat would be a fair resolution to this issue?no fees and no negative information on credit filesStep 4What company is this complaint about? I want the CFPB to publish this description on consumerfinance.gov","date_sent_to_company":"2019-09-10T12:27:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34472","tags":null,"has_narrative":true,"complaint_id":"3368914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-09-10T12:16:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["YesTYPE OF ISSUECredit card company isn't resolving a <em>dispute</em> <em>about</em> a <em>purchase</em> on <em>your</em> <em>statement</em>XX/XX/ Complaint Printhttps://complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print?sessionid=XXXX... XXXXStep 3What happened?"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[13.687913,"3368914"]},{"_index":"complaint-public-v1","_id":"22174442","_score":13.645679,"_source":{"product":"Credit card","complaint_what_happened":"CARE CREDIT ( Synchrony ) is still in Error on Many Points, for example : On XXXX, Synchrony wrote : \" XXXX.. you contacted us to dispute {$9.00} ( THAT'S A LIE ) of the purchase in the amount of {$1200.00} made on XX/XX/XXXX... we issued a credit in the amount of {$9.00} ( in XXXX ) ''. On XXXX, XXXX wrote : \" XXXX a credit of {$9.00} posted as a merchandise return... the credit was INITIATED BY THE PROVIDER ''. This is a Contradiction of Synchrony 's earlier explanation dated XXXX, stating : \" In addition, a credit for {$9.00} was also applied to your balance ... as resolution for a billing dispute opened by you ( LIE - I NEVER CONTACTED SYNCHRONY TO DISPUTE XXXX DOLLARS ) on XX/XX/XXXX, in which you claimed you were overcharged ( LIARS ) by the merchant by {$9.00}, for the purchase in question '' ( LIARS ). Why did Synchrony give this credit when THERE'S NO INVOICE/Charge of {$1200.00} by XXXX XXXX XXXX? A credit i could never request since there was NO SUCH Extra Charge. YOU ARE LIARS, CRIMINALS and INHUMANE devils. \n\nOn XXXX, Synchrony wrote : \" Upon further review, we have determined that incorrect information was provided ( by Synchrony Bank )... waived interest charges totaling {$17.00} ; however, only {$8.00} was for interest charges ''. I have stated numerous times since XXXX thatyour accounting, Statements and billing are FRAUDULENT. That's what i had been complaining about since XXXX. \n\nOn XXXX, Synchrony wrote : \" we determined your billing statement may have been delayed or not sent. Therefore, an adjustment was made to your account, and a credit for interest charges totaling {$8.00} was issued ( in XXXX ) '' ; for a PROMOTIONAL Purchase that was DISPUTED since XXXX. There should be Apologies and Compensation for these Bank ATTEMPTS TO STEAL FROM THE VULNERABLE. It is INHUMANE. For months, since XXXX, CareCredit Attempted To Steal from me as Synchrony terrorized me with Harassing Letters over Synchrony 's FRAUDULENT Accounting and Fraudulent Statements. Synchrony 's Attempt to steal from the vulnerable is INHUMANE.","date_sent_to_company":"2026-05-13T20:46:40.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"92831","tags":null,"has_narrative":true,"complaint_id":"22174442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-05-13T20:28:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I have stated numerous times since XXXX thatyour accounting, <em>Statements</em> and billing are FRAUDULENT. That's what i had been complaining <em>about</em> since XXXX. \n\nOn XXXX, Synchrony wrote : \" we determined <em>your</em> billing <em>statement</em> may have been delayed or not sent. Therefore, an adjustment was made to <em>your</em> account, and a credit for interest charges totaling {$8.00} was issued ( in XXXX ) '' ; for a PROMOTIONAL <em>Purchase</em> that was <em>DISPUTED</em> since XXXX."],"issue":["Problem with a <em>purchase</em> shown on <em>your</em> <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> <em>about</em> a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[13.645679,"22174442"]},{"_index":"complaint-public-v1","_id":"17077621","_score":13.553258,"_source":{"product":"Checking or savings account","complaint_what_happened":"I noticed several charges were made on my account at different XXXX  stores in XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX and also XXXX in XXXX, XXXX. I live in XXXX  so I was very confused how this could have happened. The charges were ALL made on XX/XX/year>. When I contacted JPMorgan Chase about these charges they said the charges were all made in person through XXXX XXXX and they would open an investigation. After XXXX weeks they denied my claim. Their reasoning was that since the purchases were all made in person using XXXX XXXX, then I had to have lent out my card info in order for those purchases to be made. They said there was no signs of any passwords being stolen, so I authorized those purchases. This is a wild statement considering to add any card to an XXXX XXXX there is no steps you have to take to authorize that it is in fact your card you are using. No email, text, or phone verification you have to do in order to add a card to your wallet. They also said these purchases were all made IN PERSON at XXXX different XXXX  locations all in different cities and different states than the one I live in. They told me there is nothing more they could do and that if I still wanted to dispute the charges I would have to contact XXXX and take it up with them. When I contacted XXXX they said they could not dispute 3rd party purchases and that I need to contact my bank, pretty scummy.","date_sent_to_company":"2025-11-06T15:46:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"06810","tags":null,"has_narrative":true,"complaint_id":"17077621","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-06T15:04:52.000Z","state":"CT","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["This is a wild <em>statement</em> considering to add any card to an XXXX XXXX there is no steps you have to take to authorize that it is in fact <em>your</em> card you are using. No email, text, or phone verification you have to do in order to add a card to <em>your</em> wallet. They also said these <em>purchases</em> were all made IN PERSON at XXXX different XXXX  locations all in different cities and different states than the one I live in."]},"sort":[13.553258,"17077621"]},{"_index":"complaint-public-v1","_id":"9333666","_score":13.497784,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I used my Citi Double Cash credit card to purchase 4 copies of a special edition of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on CD for a total of {$86.00}. When I received the order, XXXX of the items was damaged. I reached out to the XXXX XXXX site I purchased from with details including at least XXXX photo of the damage. I was told to initiate a return request through the website. After entering what I felt was an excessive amount of information, I got to a page that said I needed to agree to some sort of legal terms to process the request, however, I could not figure out how to view those terms. I replied to the e-mail describing the issue, and I got an almost identical response telling me to initiate the return request online at the same link that was provided before, with no attempt to address the problem. I opened a dispute through Citi for {$21.00} ( 1/4 of the purchase price ), and was given a conditional credit while a decision was being made. On XX/XX/XXXX, I logged into my Citi account online and noticed that the credit was reversed. There was a message that stated, \" We've concluded our investigation of your dispute, and provided details about the resolution in your Statements and Documents [. ] '' This is untrue. Besides my monthly statements, the most recent document in that section is from XXXX of XXXX. I tried to call Citi at the number on my card, but as is typical for them lately, their AI system can not understand XXXX, and takes me around and around in circles before eventually hanging up on me.","date_sent_to_company":"2024-06-25T19:44:34.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"19454","tags":null,"has_narrative":true,"complaint_id":"9333666","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-06-25T19:39:36.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I opened a <em>dispute</em> through Citi for {$21.00} ( 1/4 of the <em>purchase</em> price ), and was given a conditional credit while a decision was being made. On XX/XX/XXXX, I logged into my Citi account online and noticed that the credit was reversed. There was a message that stated, \" We've concluded our investigation of <em>your</em> <em>dispute</em>, and provided details <em>about</em> the resolution in <em>your</em> <em>Statements</em> and Documents [. ] '' This is untrue."],"issue":["Problem with a <em>purchase</em> shown on <em>your</em> <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> <em>about</em> a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[13.497784,"9333666"]},{"_index":"complaint-public-v1","_id":"13058318","_score":13.497761,"_source":{"product":"Credit card","complaint_what_happened":"Bank of America Credit card company isn't resolving a dispute about the {$500.00} billing dispute purchase on your statement since XX/XX/year>. \n\nOn XX/XX/year>, I disputed a billing charge for {$500.00} by the Merchant : XXXX * XXXX, that was charged by me on XX/XX/year>. The Merchant gave false deception of product and later became unreachable, then Merchant illegally inflated the price and contacted me on XX/XX/year> with inflated price of the Order to {$1000.00}, and never sent an amended order contract for me to sign. After several failed attempts from XXXX to XXXX to reach the Merchant, she stated on XX/XX/year>, she would now only do 1 of the 5 products ordered on XX/XX/year>, now at {$1800.00} which voided the contract which was agreed upon when the Contract was signed on XX/XX/year> when I used my Bank of America Credit Card ending in XXXX to make one payment for {$500.00} to pay the Merchant. \n\nClaim ID XXXX Claim amount {$500.00} Claim opened XX/XX/year> I contacted Bank of America regarding this matter and I also found that when I provided the billing dispute information, they later changed it around to state something else, which I also believe what has caused the the delays on the {$500.00} credit owed back on my credit card XXXX. I called Bank of America and I was given the run around about the {$500.00} dispute credit. As a XXXX, I was totally ignore by Bank of America. I am asking for help with Bank of America with the refund return back as credit on my Bank of America credit card ending in XXXX, due to the Merchants misconduct and behaviors to include a scam. Bank of America credit card is suppose to fight for its Consumers and I need the {$500.00} charge returned and credited back to my account. \n\nI need help with Bank of America to get the other {$500.00} permanently credited back to my account. I have received the complete run a round from XXXX XXXX regarding the credit I am owed and need your help. \n\nBank of America Credit card company isn't resolving a dispute about the {$500.00} purchase on your statement.","date_sent_to_company":"2025-04-18T14:15:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"13058318","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-04-18T13:48:18.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I have received the complete run a round from XXXX XXXX regarding the credit I 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