{"took":544,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3680,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4078434","_score":13.697161,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been having a issue with this credit bureau for the past 2 weeks and not AUTHORIZED someone had fraudulently obtained my credit report and it is some hard inquiries on my account that i was told i can dispute if it is unauthorized. These XXXX refused to dispute these charges and im livid. I don't have this problem with the other credit bureaus Tbesides EQUIFAX AND IM FED UP ABOUT THIS. The other credit bureaus disputed this with no issues. But Equifax is giving me a hard time.","date_sent_to_company":"2021-01-19T21:03:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"4078434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-01-19T20:52:10.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>have</em> been <em>having</em> a issue with this credit bureau for the past 2 weeks and not AUTHORIZED someone had fraudulently obtained my credit report and it is some <em>hard</em> inquiries on my account that i was told i can <em>dispute</em> if it is unauthorized. These XXXX refused to <em>dispute</em> these <em>charges</em> and im livid. I don't <em>have</em> this problem with the other credit bureaus Tbesides EQUIFAX AND IM FED UP ABOUT THIS. The other credit bureaus <em>disputed</em> this with no issues. But Equifax is giving me a <em>hard</em> <em>time</em>."]},"sort":[13.697161,"4078434"]},{"_index":"complaint-public-v1","_id":"4502935","_score":13.685066,"_source":{"product":"Checking or savings account","complaint_what_happened":"I made online purchases from XXXX and they send defected products. When I call XXXX to have these products returned for a refund the XXXX representatives tells me to dispute the charges with my Financial Institution. My Bank is Chase and when I contact Chase to dispute the charges Chase gives me a hard time and sides with XXXX and denies my claim. \n\nI'm filing a charge against XXXX and Chase.","date_sent_to_company":"2021-06-29T21:14:41.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"33073","tags":"Older American","has_narrative":true,"complaint_id":"4502935","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-06-29T20:45:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Can't stop withdrawals from your account"},"highlight":{"complaint_what_happened":["When I call XXXX to <em>have</em> these products returned for a refund the XXXX representatives tells me to <em>dispute</em> the <em>charges</em> with my Financial Institution. My Bank is Chase and when I contact Chase to <em>dispute</em> the <em>charges</em> Chase gives me a <em>hard</em> <em>time</em> and sides with XXXX and denies my claim. \n\nI'm filing a <em>charge</em> against XXXX and Chase."]},"sort":[13.685066,"4502935"]},{"_index":"complaint-public-v1","_id":"13072341","_score":13.641047,"_source":{"product":"Credit card","complaint_what_happened":"Using my credit health software to track financial status and open credit accounts i came a across a fraudulent credit cars hard inquiry with capital one venture. I attempted to discover more information regarding this credit card application through capital one mobile services and discovered fraudulent charges were also made to the fraudulently opened credit card account. I attempted to dispute the application and charges and have had a hard time receiving information regarding the application.","date_sent_to_company":"2025-04-19T19:00:12.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"78552","tags":null,"has_narrative":true,"complaint_id":"13072341","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-04-19T18:43:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Sent card you never applied for"},"highlight":{"complaint_what_happened":["Using my credit health software to track financial status and open credit accounts i came a across a fraudulent credit cars <em>hard</em> inquiry with capital one venture. I attempted to discover more information regarding this credit card application through capital one mobile services and discovered fraudulent <em>charges</em> were also made to the fraudulently opened credit card account. I attempted to <em>dispute</em> the application and <em>charges</em> and <em>have</em> had a <em>hard</em> <em>time</em> receiving information regarding the application."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[13.641047,"13072341"]},{"_index":"complaint-public-v1","_id":"18031342","_score":13.462782,"_source":{"product":"Debt collection","complaint_what_happened":"I never received a hard-copy ( paper ) statement for my account. At no time was a mailed paper statement provided showing the balance, due dates, or itemization of charges. Because no paper statement was sent, I was unable to properly review or verify the account details. \n\nIn addition, XXXX charged late fees to my account even though I made my payments on time. I contacted XXXX to have these late fees removed, but they refused to take them off despite my timely payments. \n\nThe failure to provide a paper statement combined with the refusal to remove incorrect late fees has resulted in inaccurate billing and unnecessary charges. These practices have caused financial harm and prevented me from fairly disputing the account. \n\nI am requesting a hard copy of the statement.","date_sent_to_company":"2025-12-15T02:13:06.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"782XX","tags":null,"has_narrative":true,"complaint_id":"18031342","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bounce AI, Inc.","date_received":"2025-12-15T02:05:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The failure to provide a paper statement combined with the refusal to remove incorrect late fees has resulted in inaccurate billing and unnecessary <em>charges</em>. These practices <em>have</em> caused financial harm and prevented me from fairly <em>disputing</em> the account. \n\nI am requesting a <em>hard</em> copy of the statement."]},"sort":[13.462782,"18031342"]},{"_index":"complaint-public-v1","_id":"18031345","_score":13.448282,"_source":{"product":"Debt collection","complaint_what_happened":"I never received a hard-copy ( paper ) statement for my account. At no time was a mailed paper statement provided showing the balance, due dates, or itemization of charges. Because no paper statement was sent, I was unable to properly review or verify the account details.\n\nIn addition, Imprint charged late fees to my account even though I made my payments on time. I contacted Imprint to have these late fees removed, but they refused to take them off despite my timely payments.\n\nThe failure to provide a paper statement combined with the refusal to remove incorrect late fees has resulted in inaccurate billing and unnecessary charges. These practices have caused financial harm and prevented me from fairly disputing the account.\n\nI am requesting a hard copy of the statement.","date_sent_to_company":"2026-05-06T20:47:07.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"782XX","tags":null,"has_narrative":true,"complaint_id":"18031345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Imprint Payments, Inc.","date_received":"2025-12-15T02:12:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The failure to provide a paper statement combined with the refusal to remove incorrect late fees has resulted in inaccurate billing and unnecessary <em>charges</em>. These practices <em>have</em> caused financial harm and prevented me from fairly <em>disputing</em> the account.\n\nI am requesting a <em>hard</em> copy of the statement."]},"sort":[13.448282,"18031345"]},{"_index":"complaint-public-v1","_id":"9028516","_score":13.4190645,"_source":{"product":"Credit card","complaint_what_happened":"I have contacted American Express at least half a dozen times asking for a hard block on previous credit card numbers after receiving replacement cards. I did this in order to stop certain companies from continuing to charge my account for services I did not authorize. As these charges occurred, I have done my best to keep up with them and filed disputes, but it is time consuming and sometimes difficult to keep up with. Each time I have attempted to initiate the hard blocks, I have gotten various answers from American Express, but always the same results. Sometimes the agents have guaranteed me that none of my old credit card numbers will continue to work after they supposedly put the block in place, while other times I have even had agents ( including supervisors ) tell me there is no such thing as a hard block. When I called again Last week The agent told me that American Express had streamlined the hard block process and it was now easier to put it in place. I waited while he said he blocked all old card numbers and sent me a new card, but within 48 hours I had two unauthorized charges to my account","date_sent_to_company":"2024-05-16T13:51:54.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32952","tags":null,"has_narrative":true,"complaint_id":"9028516","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-05-16T13:25:32.000Z","state":"FL","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I <em>have</em> contacted American Express at least half a dozen times asking for a <em>hard</em> block on previous credit card numbers after receiving replacement cards. I did this in order to stop certain companies from continuing to <em>charge</em> my account for services I did not authorize. As these <em>charges</em> occurred, I <em>have</em> done my best to keep up with them and filed <em>disputes</em>, but it is <em>time</em> consuming and sometimes difficult to keep up with."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[13.4190645,"9028516"]},{"_index":"complaint-public-v1","_id":"4835852","_score":13.386026,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am having problems specifically with 2 banks- XXXX XXXX and Chase. Both represent that you can dispute a charge or transaction online although neither of them actually allow you to do that. Chase used to allow you to dispute a charge online and submit your dispute electronically. Now, they require that you call, and every time you call, you get the outgoing message, \" due to the unusually high call volume, expect wait times in excess of 1 hour '' or whatever the message says that tells you you are going to wait a long time. I have tried multiple times to get through to someone and can not reach someone to dispute a charge. I feel as though Chase is doing this to purposely make it harder for people to dispute charges on their bills. \n\nSame thing with XXXX XXXX. They offer you the option to dispute a charge online but you go through the whole online process of providing information about the charge only to be prompted to call the 800 number which you end up having to wait on line forever to get a hold of someone. \n\nIn both instances, trying to dispute a simple overcharge ends up taking hours. I feel as though both Chase and XXXX XXXX misrepresented themselves telling me that you can dispute a charge online and then making me call and wait hours to dispute a charge. I think the goal is to discourage people from disputing charges by making it so difficult and time consuming to do so.","date_sent_to_company":"2021-10-22T21:20:04.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"60647","tags":null,"has_narrative":true,"complaint_id":"4835852","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-10-22T20:59:49.000Z","state":"IL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Now, they require that you call, and every <em>time</em> you call, you get the outgoing message, \" due to the unusually high call volume, expect wait times in excess of 1 hour '' or whatever the message says that tells you you are going to wait a long <em>time</em>. I <em>have</em> tried multiple times to get through to someone and can not reach someone to <em>dispute</em> a <em>charge</em>. I feel as though Chase is doing this to purposely make it <em>harder</em> for people to <em>dispute</em> <em>charges</em> on their bills. \n\nSame thing with XXXX XXXX."],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.386026,"4835852"]},{"_index":"complaint-public-v1","_id":"7488074","_score":13.112361,"_source":{"product":"Checking or savings account","complaint_what_happened":"I filed a dispute with Truist over about {$85.00} of incidental charges against my account from a hotel in XXXX called the XXXX XXXX XXXX XXXX. I got a XXXX email from the hotel saying I was not supposed to have any of those charges but the charges remain on my account anyway and when I sent this info to Trust that didnt do XXXX about it. Why does it have to be so XXXX hard to simply dispute a XXXX transaction? The merchant sent me the proof but the bank dont do XXXX about it anyway. What a waste of time.","date_sent_to_company":"2023-09-01T19:23:14.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"37211","tags":null,"has_narrative":true,"complaint_id":"7488074","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-09-01T19:18:13.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I filed a <em>dispute</em> with Truist over about {$85.00} of incidental <em>charges</em> against my account from a hotel in XXXX called the XXXX XXXX XXXX XXXX. I got a XXXX email from the hotel saying I was not supposed to <em>have</em> any of those <em>charges</em> but the <em>charges</em> remain on my account anyway and when I sent this info to Trust that didnt do XXXX about it. Why does it <em>have</em> to be so XXXX <em>hard</em> to simply <em>dispute</em> a XXXX transaction? The merchant sent me the proof but the bank dont do XXXX about it anyway."]},"sort":[13.112361,"7488074"]},{"_index":"complaint-public-v1","_id":"17399564","_score":12.907892,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I was involved in a identity theft of my SS #, etc. I had a non-authorized charge that was opened in my name without my authorization though a company by the name of XXXX XXXX out of XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. I've reached out to XXXX XXXX multiple times and filed complaints in XXXX and XXXX. I've also reached out and filed disputes with Equifax multiple times in XXXX and XXXX and both companies have not removed the Hard Inquiry form my Equifax credit report. They keep telling me that one or the other companies will reach out to one another and then have it removed. I've got the same response every time now with zero removal or resolution. I do not know what else to do to get the XXXX XXXX  fraudulent charge removed off my Equifax hard inquires. Ive sent all my documents as they have requested via certified mail for the dispute, also requested a dispute over the phone, also disputed it via my credit report below under file dispute, and they still have not removed it. Every time I dispute this charge with Equifax, they continue to say that XXXX XXXX should contact them to inform them to have it removed. When we call XXXX XXXX, they say they called Equifax and alerted them. So now Im going in circles because they both are pointing fingers at one another. I do not know what else to do to get it removed from my Equifax Credit report.","date_sent_to_company":"2025-11-20T18:32:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28037","tags":null,"has_narrative":true,"complaint_id":"17399564","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-20T18:02:26.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Ive sent all my documents as they <em>have</em> requested via certified mail for the <em>dispute</em>, also requested a <em>dispute</em> over the phone, also <em>disputed</em> it via my credit report below under file <em>dispute</em>, and they still <em>have</em> not removed it. Every <em>time</em> I <em>dispute</em> this <em>charge</em> with Equifax, they continue to say that XXXX XXXX should contact them to inform them to <em>have</em> it removed. When we call XXXX XXXX, they say they called Equifax and alerted them."]},"sort":[12.907892,"17399564"]},{"_index":"complaint-public-v1","_id":"10530229","_score":12.890564,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX until XX/XX/XXXX I was incarcerated and my account was hacked and all my funds was stolen from me chime allowed it once I was released and I tried to access my account. I noticed that my account Password was changed. I contacted trying to get help regaining access to my account and was told that I had to provide proof of my ID before they allow me in my account once I provided the proof of ID I was able to access my account when I noticed that my account was not only hacked, but all my funds were stolen. I immediately filed a dispute. I had a hard time filing this dispute. I had to file the dispute over XXXX different times they approve me for some of the charges that was made while I was incarcerated. There was a total of XXXX unauthorized charges I was approved for XXXX of those charges is what I was told, and I was denied the remaining of the charges summing in the amount of {$5000.00}. Im having a hard time understanding. How could they approve me for some of the charges and deny me for the rest, the charges that they approved or charges that was made while I was incarcerated, the remaining of the charges that was made was denied, and those charges was also made while I was incarcerated when I filed a dispute I was asked for a copy of my release paper. I provided a copy of my release paper and then I was also asked for a written statement stating that those charges was unauthorized. I provided that as well as of XX/XX/XXXX Im still being denied for the remaining of those charges. I requested documents to explain why were the charges denied I have yet to receive those documents still to this day. Someone is still able to access my account. I dont know who it is and chime seems to not know who it is as well. Ive changed my password and theyre still allowed to access my account","date_sent_to_company":"2024-10-21T07:35:59.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"326XX","tags":null,"has_narrative":true,"complaint_id":"10530229","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-10-21T07:00:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I immediately filed a <em>dispute</em>. I had a <em>hard</em> <em>time</em> filing this <em>dispute</em>. I had to file the <em>dispute</em> over XXXX different times they approve me for some of the <em>charges</em> that was made while I was incarcerated. There was a total of XXXX unauthorized <em>charges</em> I was approved for XXXX of those <em>charges</em> is what I was told, and I was denied the remaining of the <em>charges</em> summing in the amount of {$5000.00}. Im <em>having</em> a <em>hard</em> <em>time</em> understanding."]},"sort":[12.890564,"10530229"]},{"_index":"complaint-public-v1","_id":"16585116","_score":12.775103,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dispute charges been having problems with account but they pick and choose what they want to. I made a non report to XXXX XXXX and sent the form since that's what agents told me and giving me a hard time with process and I provided the information needed made me feel like a criminal not a customer.","date_sent_to_company":"2025-10-15T00:24:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30314","tags":null,"has_narrative":true,"complaint_id":"16585116","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-10-15T00:17:11.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["<em>Dispute</em> <em>charges</em> been <em>having</em> problems with account but they pick and choose what they want to. I made a non report to XXXX XXXX and sent the form since that's what agents told me and giving me a <em>hard</em> <em>time</em> with process and I provided the information needed made me feel like a criminal not a customer."]},"sort":[12.775103,"16585116"]},{"_index":"complaint-public-v1","_id":"6126337","_score":12.759711,"_source":{"product":"Debt collection","complaint_what_happened":"I have never been a customer with them. So I couldnt contact them but I kept disputing the charges and it keeps showing back. It has been hurting me in so many ways especially financially. My score I work so hard for keeps going down by so many points every time.","date_sent_to_company":"2022-10-26T00:40:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"90006","tags":null,"has_narrative":true,"complaint_id":"6126337","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2022-10-26T00:28:44.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I <em>have</em> never been a customer with them. So I couldnt contact them but I kept <em>disputing</em> the <em>charges</em> and it keeps showing back. It has been hurting me in so many ways especially financially. My score I work so <em>hard</em> for keeps going down by so many points every <em>time</em>."]},"sort":[12.759711,"6126337"]},{"_index":"complaint-public-v1","_id":"7582893","_score":12.742307,"_source":{"product":"Checking or savings account","complaint_what_happened":"I recently discovered a number of unauthorized charges made using my Chime account. I immediately notified Chime and they canceled my debit card to prevent further fraudulent charges from being made and I also filed a dispute in relation to the charges. There was a total of 8 charges, 5 of which I filed in one dispute and the other 3 I filed individually due to the time that it took for them to switch from lending to posted. The main dispute including the 5 charges was twice denied despite providing Chime with a police report and details of how I believe these charges were ultimately made. Of the other 3 disputes that I filed, 1 is still under investigation and the other 2 have been approved. The circumstances surrounding the charges on all 4 disputes were identical yet the results of each investigation varied. Given the identical circumstances related to each dispute, its hard to understand how such different outcomes were come to. As it stands, the dispute involving 5 of the unauthorized charges totaling {$380.00} remains denied and the other dispute still not approved is under investigation.","date_sent_to_company":"2023-09-21T13:20:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"190XX","tags":null,"has_narrative":true,"complaint_id":"7582893","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2023-09-21T13:10:38.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["The main <em>dispute</em> including the 5 <em>charges</em> was twice denied despite providing Chime with a police report and details of how I believe these <em>charges</em> were ultimately made. Of the other 3 <em>disputes</em> that I filed, 1 is still under investigation and the other 2 <em>have</em> been approved. The circumstances surrounding the <em>charges</em> on all 4 <em>disputes</em> were identical yet the results of each investigation varied."]},"sort":[12.742307,"7582893"]},{"_index":"complaint-public-v1","_id":"12539398","_score":12.712311,"_source":{"product":"Checking or savings account","complaint_what_happened":"I had an account with PNC Bank PNC Bank, On XX/XX/XXXX It I had a fraudulent charge. I noticed it on XX/XX/XXXX disputed it and received a new card. I throughout the entire time had possession of my card 100 % each and every subsequent cards as well. on XX/XX/XXXX the new card was hacked.I noticed on XX/XX/XXXX because my card was rejected. I went in and disputed charges again and was issued a new account number. They had put a hard hold on the account because the additional passcode they had given me for my online account had been compromised by the hacker verbally talking his way through PNC security on the phone, and they had noticed it. They created an entirely different account for me. On XX/XX/XXXX the new account was hacked. I made the disputes and again opened up a new account number. I figured this guy must have hacked my online account which I had been changing passwords to and they had added an additional Passcode for so I shut the online part off. It did the trick. Perioically they would 1 by one approve the disputed charges. As I was waiting for the investigation at around XXXX I removed most of my money and turned in my card. I received a phone call some time later explaining 1 dispute was recurring back 6 months before the initial hack on XX/XX/XXXX and they denied all dispute charges. They debited my account somewhere between XXXX and XXXX XXXX Social Security put a backpay deposit of XXXX something XXXX and they took it. They used a recurring charge of {$19.00} that I hadn't previously noticed and had flagged for a dispute to say they were not liable for charges after 6 months. Even though they had previously been approving the provisional credits along the way and recognized someone had gained access to my online account getting past security they added to stop him and at one time putting a hard stop on it when they recognized it. I was working with them the whole time and in the end {$12000.00} was worth more than me as a customer.","date_sent_to_company":"2025-03-18T19:24:36.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"12539398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2025-03-18T18:29:33.000Z","state":"MI","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I received a phone call some <em>time</em> later explaining 1 <em>dispute</em> was recurring back 6 months before the initial hack on XX/XX/XXXX and they denied all <em>dispute</em> <em>charges</em>. They debited my account somewhere between XXXX and XXXX XXXX Social Security put a backpay deposit of XXXX something XXXX and they took it. They used a recurring <em>charge</em> of {$19.00} that I hadn't previously noticed and had flagged for a <em>dispute</em> to say they were not liable for <em>charges</em> after 6 months."]},"sort":[12.712311,"12539398"]},{"_index":"complaint-public-v1","_id":"10056065","_score":12.708493,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX of 2024, there was a charge of {$210.00} dollars from a location called XXXX XXXX XXXX. I then come to realize another two charges, both from the same location. These charges were from XXXX ( A location far from where I live ). I initially called on XX/XX/XXXX to dispute all the charges because they were not made by me as well as replace my credit card. I explicitly stated that I want to reverse these but they end up only replacing my credit card and leaving these charges undisputed. I had to wait around a week before calling again. This time they tell me that the charges were never disputed but that theyll go ahead and add that to the claim. I wait another week, with no updates and after more than the 5-10 days they told me I would receive an update, a letter finally arrives multiple weeks after disputing the charges. The letter then states that the XXXX transactions were adjusted and that I will receive credit for the issue. However, they never even disputed the charge of {$210.00} at XXXX XXXX XXXX. I had been patient and kind with all of the representatives during these calls so I was left wondering why I was not receiving quality care. Thus, for a fourth time I had to call to finally have it disputed. In the end, they rejected my dispute with the reasoning that I had it in my possession at the time of transaction. I am extremely dissatisfied and frankly, upset with the runarounds. I have never been to that location neither or would ever because one, i am not interested in their services, especially as a more masculine male. Two, Im not their target customer base. It has impacted my credit score and has made it much harder for me financially as I am a full-time student and work part-time to be able to support myself.","date_sent_to_company":"2024-09-08T00:55:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"20904","tags":null,"has_narrative":true,"complaint_id":"10056065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-09-08T00:20:38.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I <em>have</em> never been to that location neither or would ever because one, i am not interested in their services, especially as a more masculine male. Two, Im not their target customer base. It has impacted my credit score and has made it much <em>harder</em> for me financially as I am a full-<em>time</em> student and work part-<em>time</em> to be able to support myself."],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Problem with personal statement of <em>dispute</em>"]},"sort":[12.708493,"10056065"]},{"_index":"complaint-public-v1","_id":"8843097","_score":12.697806,"_source":{"product":"Credit card","complaint_what_happened":"There are unauthorized charges on my credit card statement that needs to be disputed. I contacted Navy Federal almost 2 weeks ago and never got a reply back. Im having a very hard time trying to understand this. I have a XXXX  XXXX so things is not clear to me and Navy Federal is not trying to reach out to help me with this.","date_sent_to_company":"2024-04-23T14:04:15.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"60564","tags":null,"has_narrative":true,"complaint_id":"8843097","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-04-23T13:55:55.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["There are unauthorized <em>charges</em> on my credit card statement that needs to be <em>disputed</em>. I contacted Navy Federal almost 2 weeks ago and never got a reply back. Im <em>having</em> a very <em>hard</em> <em>time</em> trying to understand this. I <em>have</em> a XXXX  XXXX so things is not clear to me and Navy Federal is not trying to reach out to help me with this."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[12.697806,"8843097"]},{"_index":"complaint-public-v1","_id":"10631028","_score":12.641316,"_source":{"product":"Credit card","complaint_what_happened":"I filed a dispute for a charge that was PENDING on my account, asking the company to NOT allow the charge to go through because I felt that the merchant had defrauded me and I wasn't getting a good feeling that the merchant would remove the charge from my account like they said they would. The company allowed the charge to go through anyway which has caused me a lot of headache - hours and hours of time spent providing documentation to the company to prove why I should not have to pay for the charge. The company sent all of the details over to the merchant and said they were working on my behalf to get the charges removed but it is clear to me that they have not read my documentation and only forwarded it on and accepted the response from the XXXX that they will not issue a refund to me and repeated it verbatum back to me in various letters indicating that I will not be reimbursed and they have closed my dispute. I have a ton of documentation and dates, notes, etc that is very hard to remove all personal information from in order to paste it all in this box. Instead of giving all of the details here, I am attaching all of the documents for your review and determination of what to send to the company for the complaint. Please start by reading the document that says \" READ FIRST ... '', followed by the numbered documents in order of number. \nThis started on XX/XX/year> when I disputed the charge that was put on my account on XX/XX/year> and was still pending at the time. It has been ongoing since then. The company closed out my dispute for the XXXX time on XX/XX/year> in favor of the merchant.","date_sent_to_company":"2024-10-30T19:44:01.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"956XX","tags":null,"has_narrative":true,"complaint_id":"10631028","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-10-30T19:21:32.000Z","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":["This started on XX/XX/year> when I <em>disputed</em> the <em>charge</em> that was put on my account on XX/XX/year> and was still pending at the <em>time</em>. It has been ongoing since then. The company closed out my <em>dispute</em> for the XXXX <em>time</em> on XX/XX/year> in favor of the merchant."],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.641316,"10631028"]},{"_index":"complaint-public-v1","_id":"2752639","_score":12.619799,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The Office of the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX http : //www.belvoir.army.mil/osja/ ) referred me to your office for help regarding the following situation. \n\nCapital one is manually charging my credit card account for products I do not have, and services I did not receive. The merchant XXXX XXXX has their products, and did not provide any services. \n\nSo far the bank have manually charged the credit card account {$2300.00}. The dates of the manually transactions are XXXX XXXX, XXXX XXXX, and XXXX XXXX. Every time I called the bank for the past weeks regarding these transactions, I was placed on hold and was transferred between the fraud and disputes departments for almost an hour with no one able to help. Every time each department gave me the following information. \n\nThe dispute department said that the manual charges dont make sense and there are no notes or reasons on the account regarding these charges. But there is nothing they can do at this time so I need to talk to the fraud department. Consequently, they transferred me to the fraud department. \n\nThen the fraud department told me that they dont understand what is going on with the account and that they dont see any reasons for the manually charges. But, the only person that can help me is not available they will have that person call me soon. \n\nEvery time it is the same process and explanations. \n\nLast time I talked to a representative that identified himself as XXXX XXXX on XXXX XXXX, XXXX at the fraud department, he told me that the name of the representative that was manually charging my account was XXXX XXXX, and that he sent her an email to contact me regarding the manual transactions on the account. Unfortunately, it has been days and weeks and I have not received any correspondences or phone call from Capital One about those charges. \n\nAs an XXXX XXXX XXXX of the XXXX XXXX XXXXy, I work hard every day proudly serving my country. Sometimes I dont see my kids for days. I do not have money to give out for free, and I do not have the time or resources to resolve this issue on my own. \n\nSo please help me. \n\nThank you so much for your help, your expertise, and understanding in helping me to get my hard-earned money back. \n\nThanks and Regards.","date_sent_to_company":"2017-12-12T10:57:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"22192","tags":"Servicemember","has_narrative":true,"complaint_id":"2752639","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2017-12-12T10:34:04.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Every <em>time</em> I called the bank for the past weeks regarding these transactions, I was placed on hold and was transferred between the fraud and <em>disputes</em> departments for almost an hour with no one able to help. Every <em>time</em> each department gave me the following information. \n\nThe <em>dispute</em> department said that the manual <em>charges</em> dont make sense and there are no notes or reasons on the account regarding these <em>charges</em>."],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.619799,"2752639"]},{"_index":"complaint-public-v1","_id":"16544268","_score":12.614977,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have filed several disputes with TD Bank on charges I did not authorize. I contacted the bank and told them my phone was stolen and that I did not make all any of the XXXX XXXX charges! They stated that I approved the charges through text. It wasnt me! My phone was not with me and it took me a while to be able to get another phone. During this time I was not aware of the charges and didnt think anyone was using my phone or making charges to my account. I did as the bank stated and filed the disputes once they were processed. I filed several times and explained the situation of my phone being stolen/missing. I told them I didnt make or approve of anyone making these transactions. That was my money that I worked hard for and I need it back. My bank is supposed to support me!","date_sent_to_company":"2025-10-13T19:09:03.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"29316","tags":null,"has_narrative":true,"complaint_id":"16544268","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-10-13T18:58:56.000Z","state":"SC","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I <em>have</em> filed several <em>disputes</em> with TD Bank on <em>charges</em> I did not authorize. I contacted the bank and told them my phone was stolen and that I did not make all any of the XXXX XXXX <em>charges</em>! They stated that I approved the <em>charges</em> through text. It wasnt me! My phone was not with me and it took me a while to be able to get another phone. During this <em>time</em> I was not aware of the <em>charges</em> and didnt think anyone was using my phone or making <em>charges</em> to my account."]},"sort":[12.614977,"16544268"]},{"_index":"complaint-public-v1","_id":"12404906","_score":12.401255,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XXXXXXXX XXXX XXXX I been trying to dispute a late payment on my transunion and Experian report and the credit bureau have just been giving me hard time after providing several bank statements that it was paid in XXXX and I wants late. This is becoming so fustrating my credit score dropped tremendously. I wants late the lte charge removed immediately.","date_sent_to_company":"2025-03-10T20:21:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06610","tags":null,"has_narrative":true,"complaint_id":"12404906","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-10T20:21:04.000Z","state":"CT","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Since XXXXXXXX XXXX XXXX I been trying to <em>dispute</em> a late payment on my transunion and Experian report and the credit bureau <em>have</em> just been giving me <em>hard</em> <em>time</em> after providing several bank statements that it was paid in XXXX and I wants late. This is becoming so fustrating my credit score dropped tremendously. I wants late the lte <em>charge</em> removed immediately."]},"sort":[12.401255,"12404906"]},{"_index":"complaint-public-v1","_id":"12408826","_score":12.385561,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XXXXXXXX XXXX XXXX I been trying to dispute a late payment on my transunion and Experian report and the credit bureau have just been giving me hard time after providing several bank statements that it was paid in XXXX and I wants late. This is becoming so fustrating my credit score dropped tremendously. I wants late the lte charge removed immediately.","date_sent_to_company":"2025-03-10T20:21:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06610","tags":null,"has_narrative":true,"complaint_id":"12408826","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-10T20:12:45.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Since XXXXXXXX XXXX XXXX I been trying to <em>dispute</em> a late payment on my transunion and Experian report and the credit bureau <em>have</em> just been giving me <em>hard</em> <em>time</em> after providing several bank statements that it was paid in XXXX and I wants late. This is becoming so fustrating my credit score dropped tremendously. I wants late the lte <em>charge</em> removed immediately."]},"sort":[12.385561,"12408826"]},{"_index":"complaint-public-v1","_id":"12408201","_score":12.385561,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XXXXXXXX XXXX XXXX I been trying to dispute a late payment on my transunion and Experian report and the credit bureau have just been giving me hard time after providing several bank statements that it was paid in XXXX and I wants late. This is becoming so fustrating my credit score dropped tremendously. I wants late the lte charge removed immediately.","date_sent_to_company":"2025-03-10T20:21:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06610","tags":null,"has_narrative":true,"complaint_id":"12408201","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-10T20:21:04.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Since XXXXXXXX XXXX XXXX I been trying to <em>dispute</em> a late payment on my transunion and Experian report and the credit bureau <em>have</em> just been giving me <em>hard</em> <em>time</em> after providing several bank statements that it was paid in XXXX and I wants late. This is becoming so fustrating my credit score dropped tremendously. I wants late the lte <em>charge</em> removed immediately."]},"sort":[12.385561,"12408201"]},{"_index":"complaint-public-v1","_id":"2635159","_score":12.377199,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Money deposited on XX/XX/XXXX. I advised Direct express XX/XX/XXXX of unauthorized fraudlant activity. 2 amountsvi explained to rep one fot XXXX another for XXXX Rep explained i would recive via, mail paperwork for me to summit with any unauthorized charges. There were one other truthfinder and magazines. Also, i had to obtain another card. I paid for 2 day shipping for card. I did not receive the card for 4 dsys. I was able only to speak to the dispute department one time when i first moticed. Now i sre those charges, as paid. And i am having a hard time financially afraid i wint have enough money to pay remaining bills.","date_sent_to_company":"2017-08-17T23:06:07.000Z","issue":"Unexpected or other fees","sub_product":"Government benefit card","zip_code":"85301","tags":"Older American","has_narrative":true,"complaint_id":"2635159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Comerica","date_received":"2017-08-17T22:35:20.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Now i sre those <em>charges</em>, as paid. And i am <em>having</em> a <em>hard</em> <em>time</em> financially afraid i wint <em>have</em> enough money to pay remaining bills."]},"sort":[12.377199,"2635159"]},{"_index":"complaint-public-v1","_id":"3945914","_score":12.328527,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have been having a hard time getting disputes resolved with Capital One lately. I emailed the disputes but got no response, so now filing this. I filed with XXXX and Capital One said I didnt respond which I absolutely did a week prior. I have called them, emailed them and have got nowhere. There are 4 transaction rebills, 3 of which I got no notice on before they were rebilled to keep these open. I just called Capital One and they said that the letter for {$930.00} dispute was also for the {$59.00}, {$2200.00}, and {$220.00}! I have been a long time customer of Capital One! Since when do they not take the side of your customer and actually ask the merchant about it.I submitted more papers online for the {$930.00} + {$59.00} charge. With this covid, businesses have been closed, we can't get our money back. I filed papers online and by mail ( which is how Capital One wants it ) for {$2200.00}. That's why I charge things to my credit card to make it easier for fraud or disputes. Please look into these charges because am still disputing them and they should be taken off. I have got nothing that the merchants responded to on these.","date_sent_to_company":"2020-11-10T15:55:01.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"80229","tags":null,"has_narrative":true,"complaint_id":"3945914","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-11-10T15:44:59.000Z","state":"CO","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 <em>have</em> been <em>having</em> a <em>hard</em> <em>time</em> getting <em>disputes</em> resolved with Capital One lately. I emailed the <em>disputes</em> but got no response, so now filing this. I filed with XXXX and Capital One said I didnt respond which I absolutely did a week prior. I <em>have</em> called them, emailed them and <em>have</em> got nowhere. There are 4 transaction rebills, 3 of which I got no notice on before they were rebilled to keep these open."],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.328527,"3945914"]},{"_index":"complaint-public-v1","_id":"9800536","_score":12.304625,"_source":{"product":"Credit card","complaint_what_happened":"I received a charge a few months ago on my Apple Card/Goldman Sachs Bank statement . Shows 4 transactions to \" XXXX XXXXXXXX XXXX. Each was {$49.00} I disputed. They did a temporary credit Now, yesterday, on my new statement they show 'DISPUTE REVERSAL '' and are re charging me XXXX x XXXX = {$190.00} I have called them twice. Second time, call never came off \" hold '' .... \nBut first time, their person said \" I can't tell you what that is. You are supposed to KNOW what that is! Huh? Their staff each time has seemed unprofessional and poorly trained. On hold, they play rap music with curses and their employees had heavy New York accents, making them hard to understand. I read in the newspaper that Apple has won an early termination of their contract with Goldman Bank because of so many complaints.","date_sent_to_company":"2024-08-14T20:09:32.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"92037","tags":"Older American","has_narrative":true,"complaint_id":"9800536","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-08-09T22:17:03.000Z","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":["I received a <em>charge</em> a few months ago on my Apple Card/Goldman Sachs Bank statement . Shows 4 transactions to \" XXXX XXXXXXXX XXXX. Each was {$49.00} I <em>disputed</em>. They did a temporary credit Now, yesterday, on my new statement they show '<em>DISPUTE</em> REVERSAL '' and are re <em>charging</em> me XXXX x XXXX = {$190.00} I <em>have</em> called them twice. Second <em>time</em>, call never came off \" hold '' .... \nBut first <em>time</em>, their person said \" I can't tell you what that is. You are supposed to KNOW what that is! Huh?"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.304625,"9800536"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3680,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3680}]}},"product":{"doc_count":3680,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1801,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1797},{"key":"Other personal consumer report","doc_count":4}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":567,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":559},{"key":"Other personal consumer 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