{"took":105,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1044,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6955719","_score":19.901543,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"1. On XX/XX/23 my Citibank Costco Anywhere Visa Credit Card was charged a total of {$350.00}. The charge was sent from XXXX XXXX to my XXXX account. This charge was not authorized. \n\nXXXX. On XX/XX/23 my Citibank Costco Anywhere Visa Credit Card was charged a total of {$350.00}. The charge was sent from XXXX XXXX to my XXXX account. This charge was not authorized. \n\nXXXX. On XX/XX/23 my Citibank Costco Anywhere Visa Credit Card was charged a total of {$350.00}. The charge was sent from XXXX XXXX to my XXXX account. This charge was not authorized. \n\nXXXX. On XX/XX/23 my Citibank Costco Anywhere Visa Credit Card was charged a total of {$2500.00}. This was in the form of 7 separate transactions in the amounts of {$350.00} each. The charges were sent from XXXX XXXX to my XXXX account. These charges were not authorized. \n\nXXXX. On XX/XX/23 I called and spoke with the Citibank Costco fraud department over the charges. I informed them these charges were fraudulent and were not authorized. My Costco credit card was canceled and a new card was issued to me. \n\nXXXX. On XX/XX/23 temporary credits in the amount of {$3500.00} were issued back to my Citibank Costco Anywhere Visa Credit Card account. This was in the form of 10 separate credits of {$350.00} each. \n\nXXXX. On XX/XX/23 I received an electronic notice from the Citibank Costco billing disputes department. The notice stated they needed more information from me regarding claim XXXXXXXX. They requested the information be sent back to them no later than XX/XX/23. I signed the document acknowledging the charges within the claim were fraudulent and emailed the signed document back on XX/XX/23 to XXXX as requested. \n\nXXXX. On XX/XX/23 I received an electronic notice from the Citibank Costco billing disputes department. The notice stated they needed more information from me regarding claim XXXXXXXX. They requested the information be sent back to them no later than XX/XX/23. I signed the document acknowledging the charges within the claim were fraudulent and emailed the signed document back on XX/XX/23 to XXXX as requested. \n\nXXXX. On XX/XX/23 I sent a follow-up email to XXXX regarding claims XXXX & XXXX. I requested that Citibank acknowledge they had received my emails and signed documents regarding these claims that were sent back to them on XX/XX/23 & XX/XX/23. I did not hear back from Citibank. \n\nXXXX. On XX/XX/23 I sent another follow-up email to XXXX regarding claims XXXX & XXXX. I requested information on when I could expect a final resolution from Citibank regarding these claims. \n\nXXXX. On XX/XX/23 I called and spoke with the Citibank Costco fraud department over the claims. The agent I spoke with stated that they had received all my information and nothing further was needed from me. I asked if they had a resolution yet to my claims. The agent stated the claims had been closed and that I would not be re-billed for the charges. I verified with the agent that the total credits of {$3500.00} were permanent and the agent stated yes they were. \n\nXXXX. On XX/XX/23 I called and spoke with the Citibank Costco fraud department over the claims. Citibank had sent me an electronic notice that they didn't receive my information and that I would be re-billed for the charges. The agent I spoke with stated they did have the information and wasn't sure why it was stating I would be re-billed. The agent was going to re-forward my disputes back to fix the issue. I was re-billed for 9 of the 10 transactions for a total of {$3200.00}.","date_sent_to_company":"2023-05-09T15:03:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"50266","tags":null,"has_narrative":true,"complaint_id":"6955719","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-05-09T14:29:54.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On XX/XX/23 I received an electronic notice from the Citibank Costco billing <em>disputes</em> <em>department</em>. The notice stated they needed more <em>information</em> from me <em>regarding</em> claim XXXXXXXX. They <em>requested</em> the <em>information</em> be <em>sent</em> back to them no later than XX/XX/23. I signed the document acknowledging the <em>charges</em> within the claim were fraudulent and emailed the signed document back on XX/XX/23 to XXXX as <em>requested</em>. \n\nXXXX. On XX/XX/23 I <em>sent</em> a follow-up email to XXXX <em>regarding</em> claims 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":[19.901543,"6955719"]},{"_index":"complaint-public-v1","_id":"10373675","_score":18.258913,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, I ordered 3-month prepaid celluar phone plan with the XXXX, but after making a payment, I went thru the eSim activation process, but couldn't activate the plan by transferring the number onto the XXXX. After speaking with the XXXX technical support, they were able to transferred my existing phone number onto their syste, but they couldn't activate my eSim card on my iphone.\n\nAfter many attempts and waiting hours and hours, next day, I spoke with the XXXX and requested for the full refund due to their failed eSim activation. On the phone, the technician told me that they would refund the money, and I had to request my phone number to be transferred back to my current provider. \n\nI sent several emails to the XXXX to check the status of the refund, but they had never responded before I opened the credit card charge dispute with CapitalOne credit card dispute department. \n\nCapitalOne dispute department requested additional information regarding the charge, so I sent my email communications along with the merchant cancellation policy, but CapitalOne asked me to work with directly with the XXXX to get refunded. \n\nBecause the cellular plan was never used due to the lack of eSim card activation, I should receive the full refund based on the merchant refund policy, but CapitalOne dispute department is somehow they could not help to dispute the charge.","date_sent_to_company":"2024-10-07T19:29:48.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"254XX","tags":null,"has_narrative":true,"complaint_id":"10373675","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-10-07T19:15:15.000Z","state":"WV","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>sent</em> several emails to the XXXX to check the status of the refund, but they had never responded before I opened the credit card <em>charge</em> <em>dispute</em> with CapitalOne credit card <em>dispute</em> <em>department</em>. \n\nCapitalOne <em>dispute</em> <em>department</em> <em>requested</em> additional <em>information</em> <em>regarding</em> the <em>charge</em>, so I <em>sent</em> my email communications along with the merchant cancellation policy, but CapitalOne asked me to work with directly with the XXXX to get refunded."],"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":[18.258913,"10373675"]},{"_index":"complaint-public-v1","_id":"11708987","_score":17.412857,"_source":{"product":"Credit card","complaint_what_happened":"I have been dealing with Sam 's Club Synchrony Bank Credit Card Services since XXXX and this issue is STILL not resolved. INVESTIGATION # XXXX CLAIM # XXXX and several attachments are being sent. \n\nI am seeking the following : *The {$620.00} charge be credited to my account and stay OFF. \n*Reimbursement/credit for the Certified Letter in the amount of {$10.00}. \n*Removing any and all negative information from ALL Credit Bureaus ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX I contacted Synchrony after I found a charge from RESERVATION HOTELS in the amount of {$620.00} XX/XX/XXXX. Synchrony removed the charge and then re-entered it about two months later. I caught it, called them again, and had it removed again. I have repeatedly asked verbally and then when faxes began being sent, it was also submitted in writing for this information/proof be sent to me. The last request was XX/XX/XXXX. Instead of receiving this information, it was the same BLANK FORM to be completed and returned. The blank form along with all previously submitted documents were returned via fax on XX/XX/XXXX. The fax also contains another request for any documentation substantiating Reservation Hotels claim this bill is owed. According to Synchrony this information/proof can not be sent via email ; it has to be mailed. I AM STILL WAITING. Many hours have been spent speaking to various agents with Synchrony, being put on hold, sent to the Fraud Department, to the Dispute Department, and then back to the Dispute Department. As of today, I'm not sure what the status of this issue might be.\n\nSynchrony Bank does not give you an option to even upload information. Everything has to be either faxed or mailed. It was MONTHS after I had been disputing the charges that I was finally given a fax number and a mailing address. The first fax was sent on XX/XX/XXXX. It contained the completed form along with other documentation. This information was also submitted via certified letter ( {$10.00} ). I'm still waiting to receive the receipt certifying the letter was received. \n\nI have requested several times to receive documentation verbally and in writing regarding this charge. If you google RESERVATION HOTELS, it is listed as as potential spam. I called the number ( XXXX ) and requested the information be sent to me, but was told this information was \" frozen '' and could not be sent. \n\nMy wife and I stayed at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. One of the many agents I spoke to acted as if the {$620.00} charge was from a XXXX XXXX. There is a letter from the Assistant Manager, XXXX XXXX, to dispute this also. \n\nI have tried everything I know to resolve this. I have had this credit card for several years now and have never had an issue. \n\nYour assistance in this matter is greatly appreciated.","date_sent_to_company":"2025-01-27T21:26:46.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32566","tags":"Servicemember","has_narrative":true,"complaint_id":"11708987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-01-24T02:04:18.000Z","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":["I have <em>requested</em> several times to receive documentation verbally and in writing <em>regarding</em> this <em>charge</em>. If you google RESERVATION HOTELS, it is listed as as potential spam. I called the number ( XXXX ) and <em>requested</em> the <em>information</em> be <em>sent</em> to me, but was told this <em>information</em> was \" frozen '' and could not be <em>sent</em>. \n\nMy wife and I stayed at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. One of the many agents I spoke to acted as if the {$620.00} <em>charge</em> was from a 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":[17.412857,"11708987"]},{"_index":"complaint-public-v1","_id":"2877697","_score":17.218447,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was in contact with an Associated bank phone banker on a Sunday ( I dont have dates due to not being able to log into my account currently ) and was told I needed to go into a branch to dispute unauthorized charges that were on my debit card. The phone banker put a freeze on my debit card that day. I was able to get into a branch 2 days later due to work schedule and there bank hours. I spoke to the branch manager and explained to him there were 3 charges that  were unauthorized for over XXXX with international fees and charges. I signed the form that the banker went over with me and he submitted it to there fraud department. He did say I would be receiving notice of the dispute and that if could take 7-10 business days. I received no notice during the 7-10 days that my dispute was in processing or any form of update throughout the 7-10 days stating that it was in process. On the 10th day I received a notice in the mail stating my dispute was denied and that the charges were authorized based on the information gathered. I then called 2 different occasions and requested that information that was gathered that said I did make those charges. I have yet to receive this information and keep getting the same answer \" we sent that department an email. '' I have not been given any information and noone has been willing to provide me a intelligent answer or provided me info regarding my dispute.","date_sent_to_company":"2018-04-17T17:22:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"55902","tags":null,"has_narrative":true,"complaint_id":"2877697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ASSOCIATED BANC-CORP","date_received":"2018-04-17T17:08:29.000Z","state":"MN","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I have yet to receive this <em>information</em> and keep getting the same answer \" we <em>sent</em> that <em>department</em> an email. '' I have not been given any <em>information</em> and noone has been willing to provide me a intelligent answer or provided me info <em>regarding</em> my <em>dispute</em>."]},"sort":[17.218447,"2877697"]},{"_index":"complaint-public-v1","_id":"8964068","_score":17.024797,"_source":{"product":"Credit card","complaint_what_happened":"CLAIM ID : XXXX This claim has been submitted to Chase Customer Claim Department , disputing a charge of {$58.00} to my credit card account posted on XX/XX/year>. The charge is in error because it was not authorized by me. \n\nI did reach out to the merchant in-person to correct this error ; the service staff has agreed that this charge should be voided ; however the charge is still posted. \n\nHere is the timeline after the dispute was submitted to Chase. \n\nOn XX/XX/year>, Chase sent a notice and requested me to fill out a form On XX/XX/year>, I responded with the requested information plus supporting document On XX/XX/year>, according to Chase online banking, the dispute claim has been opened by Chase ; On XX/XX/year>, the claim was closed by Chase. Chase sent me a notice We resolved your disputes ; the result is no credit, and the investigation summary seems irrelevant to my case ; the reasoning makes no sense to me. \n\nI would like to exercise my rights under FCRA ( Fair Credit Reporting Act ) and file a complaint with the CFPB regarding this potential negligent FCRA violation. \n\nI am also requesting Chase to reopen this claim immediately and correct the error on my account promptly.","date_sent_to_company":"2024-05-09T01:00:11.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94102","tags":null,"has_narrative":true,"complaint_id":"8964068","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-05-08T23:49:50.000Z","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":["On XX/XX/year>, Chase <em>sent</em> a notice and <em>requested</em> me to fill out a form On XX/XX/year>, I responded with the <em>requested</em> <em>information</em> plus supporting document On XX/XX/year>, according to Chase online banking, the <em>dispute</em> claim has been opened by Chase ; On XX/XX/year>, the claim was closed by Chase. Chase <em>sent</em> me a notice We resolved your <em>disputes</em> ; the result is no credit, and the investigation summary seems irrelevant to my case ; the reasoning makes no sense to me."],"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":[17.024797,"8964068"]},{"_index":"complaint-public-v1","_id":"14933951","_score":16.78221,"_source":{"product":"Debt collection","complaint_what_happened":"Around XXXX, I received a letter from National Credit Systems alerting me to a debt that I owed to a \" XXXX XXXX XXXX XXXX XXXX. '' This came as a surprise because I have never applied to apartments anywhere and do not live near the state of XXXX, where the apartments are located. I sent back the letter disputing the charge as they requested I do in their letter, filed a police report with the XXXX XXXX police department, and began following the steps from IdentityTheft.XXXX  as instructed. After contacting the apartments, I obtained the fake identity created that the person in question tried to pass of as myself. I forwarded this information to the police department and ensured it was part of the report. However, it has now been over 30 days since I have sent that letter to National Credit Systems and they have still not sent back any information regarding my debts nor what they are doing to address the issue. I have sent a follow up letter, as instructed by IdentityTheftXXXX, on the same day I am writing this complaint.","date_sent_to_company":"2025-07-28T11:05:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"087XX","tags":null,"has_narrative":true,"complaint_id":"14933951","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-07-28T10:50:28.000Z","state":"NJ","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I <em>sent</em> back the letter <em>disputing</em> the <em>charge</em> as they <em>requested</em> I do in their letter, filed a police report with the XXXX XXXX police <em>department</em>, and began following the steps from IdentityTheft.XXXX  as instructed. After contacting the apartments, I obtained the fake identity created that the person in question tried to pass of as myself. I forwarded this <em>information</em> to the police <em>department</em> and ensured it was part of the report."]},"sort":[16.78221,"14933951"]},{"_index":"complaint-public-v1","_id":"5199528","_score":16.754368,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I recently submitted a complaint with the CFPB regarding a billing error for {$930.00} with XXXX XXXX on my Chase credit card that Chase upheld when I disputed it. In the course of my two conversations with XXXX at Chase 's Executive Office in response to my complaint ( XXXX 's phone ext : XXXX ), XXXX admitted to me that negligence on Chase 's part had directly resulted in Chase 's inability to send my dispute to the correct department within Chase for resolving such billing issues. XXXX told me on a recorded line that, based on her finding of this negligence on Chase 's part, she was writing to Chase 's Dispute Department to request that my account be credited by Chase for the full {$930.00} as a form of Chase taking responsibility for its mistake. However, in the written explanation to my CFPB complaint that I received from Chase ( attached ), not only did Chase decide not to credit my account the disputed amount, but Chase further made no mention of the negligence XXXX described to me. Instead, the explanation said that Chase was opening up a separate dispute on another charge from XXXX on the basis of a double billing. XXXX called me again yesterday, XX/XX/XXXX, to inform me of this outcome. When I explained to XXXX that the information I provided in my original CFPB complain and my prior emails made clear that no double billing occurred, XXXX told me it was too late to pull this new dispute back. In sum, despite XXXX 's admitting to me over the phone that Chase 's negligence ( which I detail below ) directly prevented Chase 's compliance department from being able to review this charge, Chase 's written explanation to my CFPB complaint makes no mention of this, and instead their 'explanation ' is to open a dispute on a separate XXXX charge on the basis of double billing -- which is entirely wrong, and which I have never indicated to be the case. Now I will explain in detail the negligence that XXXX described to me on the part of the Dispute Department, which is what led her to request to the Dispute Department that Chase credit my account for the full amount of the dispute -- {$930.00}. XXXX explained to me that for Chase to find on the customer 's behalf in a dispute with a merchant for a service not rendered, the customer must be able to identify in advance specifically which service was not delivered. In my situation, because XXXX charged me -- as I explain in detail in my complaint -- after I departed XXXX, without my knowledge, and because XXXX never provided me an invoice for this additional charge, I never knew what XXXX had charged me. Therefore, all I could detail in my initial dispute submission with Chase was that I had paid all applicable charges relating to the rental contract in advance, and therefore that this additional charge from XXXX must, by definition, be a billing error. XXXX explained to me that in such a situation with a rental car company in which a customer is improperly billed for an unclear or unknown service at the end of the rental, it is Chase 's Compliance Department that is the correct department to review and adjudicate a resolution to the situation. XXXX told me that after I sent in additional information to Chase on XX/XX/XXXX, the Dispute Department reopened the dispute on XX/XX/XXXX. I originally disputed the charge with Chase on XX/XX/XXXX. Chase 's Dispute Department found in XXXX 's favor and upheld the charge during this first review without ever sending the dispute to Chase 's Compliance Department for review. Despite re-opening the dispute on XX/XX/XXXX, XXXX told me that the Dispute Department took until XX/XX/XXXX to finally forward the case to the Compliance Department. XXXX could find no explanation in the case notes from the Dispute Department either for this three-week delay in transferring the case to the Compliance Department after the dispute was re-opened, nor an explanation of why this dispute was not sent to the Compliance Department during the first review by the Dispute Department XXXX XXXX explained to me that a charge from a rental car company must be reviewed by the Compliance Department within 59 days of the charge. As such, the deadline for a review of this charge was XX/XX/XXXX, since XXXX billed my credit card the {$930.00} on XX/XX/XXXX. Had Chase 's Dispute Department transferred the case to the Compliance Department either during the original review, or within two weeks after the dispute was re-opened on XX/XX/XXXX, the Compliance Department would have had time to review. However, because Chase took until XX/XX/XXXX to finally transfer my case to the Compliance Department for review, Chase ensured that XXXXXXXX XXXX incorrect billing of my card for {$930.00} could not be rectified. It is unacceptable that Chase 's representative, XXXX, admitted this negligence on Chase 's part to me over the phone regarding the Dispute Department 's failure to transfer my case to the Compliance Department for review before the 59 day deadline, including telling me that she would request that Chase credit the full {$930.00} to me on the basis of this negligence, but that Chase then completely left this out of the written explanation to me. So what did Chase include in its CFPB explanation to me? Chase told me that on XX/XX/XXXX, Chase 's Dispute Department had opened up - on my behalf- a dispute with XXXX for a separate Charge of {$980.00}. Chase opened this up without consulting or informing me. This dispute has absolutely no justification or basis per the details I have provided Chase. What is this charge of {$980.00}? This was the charge that XXXX billed me when I took out the car on XX/XX/XXXX for the full balance of the rental contract ( car + insurance + tax ). As I've explained in great detail, the additional {$930.00} I was charged after I returned the car and left XXXX was -- per the closing invoice that XXXX provided to Chase during the original dispute -- for an additional service called \" Delivery. '' Therefore, this charge for {$930.00} is not a double billing -- it is for an additional service that I never ordered, received, and is not in the rental contract, as I've explained to Chase over and over and over. However, in keeping with this theme of total negligence on the part of Chase 's Dispute Resolution department, they have now submitted an additional and separate dispute with XXXX on my behalf for this {$980.00} charge as a \" double billing, '' when it clearly is NOT a double billing. It is unacceptable that Chase 's only explanation to my CFPB complaint is to tell me they have opened up another dispute for another transaction under the incorrect reason code of double billing while leaving out to me XXXX 's verbal admission of negligence on Chase 's part regarding the Dispute Department 's failure to transfer my case to the compliance department for review before the 59 day deadline. All of my conversations with XXXX were on recorded lines, so I encourage Chase to review those conversations and then provide me a substantive response to how Chase will address the Dispute Department 's failure to transfer my dispute for {$930.00} I submitted on XX/XX/XXXX to the Compliance Department within the 59 day deadline. I am, once again, allowing this complaint to be published publicly on the CFBP 's website.","date_sent_to_company":"2022-02-08T17:40:58.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32757","tags":null,"has_narrative":true,"complaint_id":"5199528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-02-08T16:13:42.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX explained to me that in such a situation with a rental car company in which a customer is improperly billed for an unclear or unknown service at the end of the rental, it is Chase 's Compliance <em>Department</em> that is the correct <em>department</em> to review and adjudicate a resolution to the situation. XXXX told me that after I <em>sent</em> in additional <em>information</em> to Chase on XX/XX/XXXX, the <em>Dispute</em> <em>Department</em> reopened the <em>dispute</em> on XX/XX/XXXX. I originally <em>disputed</em> the <em>charge</em> with Chase on XX/XX/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":[16.754368,"5199528"]},{"_index":"complaint-public-v1","_id":"2787646","_score":16.702356,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2017 I was contacted by Wells Fargo Bank 's Fraud Department regarding an online purchase of over {$1500.00} in which I stated the transaction was not authorized and was fraudulent. Additionally, the WFB representative made me aware of 2 additional credit card transactions that occurred at 2 retail locations, one for {$540.00} and the other for {$490.00} on XX/XX/2017. I stated these were also not authorized and were fraudulent. The Fraud Department credited my account for the charges ; however, WFB sent me a letter stating that the charges were mine and that they would be my responsibility. Therefore the amounts were charged back to my credit card. I continued to state that they were fraud and I did not do them. They insisted I did since my credit card was present with the chip card used. I stated that chip cards could be duplicated ; however, they stood by their \" investigation '' of the card transactions and deemed them to be my responsibility. I called on multiple occasions to try to get my credit card fraud transactions resolved ; however, as of date, there has been no resolution. \n\nI filed a dispute with their Disputes Department in which they requested for merchant receipts. The Disputes Department verified the signatures on both merchant receipts were not a match of one another given the transactions were conducted within 15 minutes of each other and did not match the signature card on file. The Fraud Department had access to this information as of XX/XX/2017 and did not utilize this information into their \" investigation. '' I filed a complaint regarding the Fraud Department to the Credit Card Executive Office with no resolution to my problem as well. I had called and left multiple messages with no call back or information sent to me. I received a phone call from a Fraud Department supervisor who stated that the Fraud Department was not aware of the signature card or merchant receipt requests ; which validates, the Fraud Department did not do their due diligence in reviewing my fraudulent claim. Additionally, WFB did not know which authorized users card was used in these fraudulent transactions until I found out on XX/XX/2017. The Disputes Department gave me the supporting documentation for the merchant receipts. At this time my fraudulent claim was already denied by the Fraud Department twice. I later found out that new credit cards were issued and mailed to me and this is how the cards were intercepted and used in the fraudulent transactions. I notified WFB about this and they had no record that new credit cards were even sent to me. All within the time frame from the initial contact from WFB Fraud and various other departments from XX/XX/2017 through XX/XX/2017, I filed a police report with my local police department, a United States Postal Inspector report, a Cardholder Statement of Disputed Transactions letter that WFB sent to me, and the credit bureaus were contacted. I spent multiple days and hours trying to have this resolved and for WFB to know that these transactions were fraudulent and I along with the authorized signer on my card are victims of Credit Card Fraud. \n\nAfter numerous attempts in calling and submitting documents, I received a phone call from a Police Department outside of my jurisdiction that the Police Officer had in their possession my credit card. I verified with the Officer ( I contacted the Police Department upon giving the Officer information ) that the additional card holder 's card may be included as well that was used in the initial fraud transactions at the 2 retail locations. The Officer confirmed that the additional card holder 's card was also in their possession. WFB did in fact issue new cards which were used in the fraudulent activity and was in possession of someone who was not authorized to use my cards and who was arrested on multiple criminal charges. \n\nWFB did not protect my rights as a credit card fraud victim at all. It appears they would just like to charge their consumers for the fraudulent transactions without any due diligence in their investigations. The Fraud Department already was aware there was fraud on my account and had documents readily available to them to indicate fraudulent activity ; however, WFB continued to deny my claims.","date_sent_to_company":"2018-01-19T19:41:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95148","tags":null,"has_narrative":true,"complaint_id":"2787646","timely":"No","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-01-19T17:36:46.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["The Fraud <em>Department</em> had access to this <em>information</em> as of XX/XX/2017 and did not utilize this <em>information</em> into their \" investigation. '' I filed a complaint <em>regarding</em> the Fraud <em>Department</em> to the Credit Card Executive Office with no resolution to my problem as well. I had called and left multiple messages with no call back or <em>information</em> <em>sent</em> to me."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[16.702356,"2787646"]},{"_index":"complaint-public-v1","_id":"3260437","_score":16.53328,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX Charge of {$5500.00} by Government Contracting XXXX Dispute of charge filed with Cardmember Service XXXX Contacted merchant to try and resolve issue - merchant refused XXXX Provisional credit of {$5500.00} charge XXXX Submitted 25 pages of supporting documents to Cardmember Service regarding dispute. XXXX Discovered that the provisional credit had been reversed. XXXX XXXX called and inquired about this. Then she requested that she be contacted by someone in the dispute department because we didn't agree with the information that Government Contracting had provided to Cardmember Service and wanted to continue to dispute this charge. She was told that she would receive a call back within two business days. XXXX XXXX XXXX contacted Cardmember Service by phone asking to speak to someone regarding the dispute. She was told by the person who took her call that someone would call her back that week. XXXX XXXX XXXX contacted XXXX XXXX  XXXX for help with our credit card issue and was told that they don't handle these things and we have to deal directly with XXXX, the owner of the credit card. XXXX We faxed a letter to Cardmember Service explaining that we were still waiting to hear back from someone regarding this dispute and that if we didn't hear anything by XXXX we would be filing a complaint with CFPB. XXXX we mailed a copy of the fax that was sent on XXXX XXXX XXXX XXXX is filing this complaint for us and is representing XXXX XXXX.","date_sent_to_company":"2019-05-31T23:01:54.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"730XX","tags":null,"has_narrative":true,"complaint_id":"3260437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2019-05-31T22:53:33.000Z","state":"OK","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":["Then she <em>requested</em> that she be contacted by someone in the <em>dispute</em> <em>department</em> because we didn't agree with the <em>information</em> that Government Contracting had provided to Cardmember Service and wanted to continue to <em>dispute</em> this <em>charge</em>. She was told that she would receive a call back within two business days. XXXX XXXX XXXX contacted Cardmember Service by phone asking to speak to someone <em>regarding</em> the <em>dispute</em>. She was told by the person who took her call that someone would call her back that week."],"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":[16.53328,"3260437"]},{"_index":"complaint-public-v1","_id":"20209243","_score":16.276094,"_source":{"product":"Prepaid card","complaint_what_happened":"On XX/XX/year>, fraudulent transactions were charged to my card in varying amounts, draining my account completely. Upon noticing these charges, I immediately contacted XXXX to XXXX my card. I learned that the charges were made by the retailer XXXX. I was informed that I could not file a dispute until the charges were posted, so I filed my dispute on XX/XX/year>. \n\nOn XX/XX/year>, XXXX from the fraud department emailed me from XXXX, stating that I had a history with this merchant and that I needed to contact them to request a refund. However, I do not use XXXX and have no history with it. I provided this information along with my complete Comdata transaction history from the day my account was created up to that point, clearly showing I had never interacted with that merchant. \n\nI also filed a police report on XX/XX/year> with my local police department and provided the case number to the dispute department. Since XX/XX/year>, I have called more than XXXX times to request updates about my dispute, and I sent emails to the dispute department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, asking for updates. On XX/XX/year>, a customer service representative informed me on a call that my dispute was approved on XX/XX/year>, but they could not provide any information about when a credit would be issued. At that point, the representative followed up with the dispute department internally. \n\nWhen I called again on XX/XX/year>, another representative submitted a second follow-up inquiry and told me that the dispute department was not responding to internal inquiries either. On XX/XX/year>, I requested to speak to a supervisor, but after being placed on hold, the representative disconnected the call. Since XX/XX/year>, I have not received any updates or follow-up correspondence from the dispute department regarding this matter. All information I have received has come through customer service, which has been unable to assist me further. \n\nI have read the cardholder agreement regarding refunds, disputes ( line XXXX ), losses, errors, and questions ( line XXXX ). However, the procedures outlined in the agreement for handling disputes have not been followed in my case. I did not receive a credit for the funds after the promised XXXX business days, nor was I notified of the decision within the required XXXX business days. Instead, I had to call multiple times to obtain any information, and the responses I received did not come from the dispute department. \n\nAt this point, this financial institution is refusing to refund my money for unauthorized transactions. There seems to be no safeguards in place to prevent unauthorized withdrawals from XXXX cards, and there is no recourse once they occur. I have also experienced a second unauthorized transaction on my replacement card, and I am now waiting for my third replacement card in the span of XXXX months. The transactions are occurring from locations on the other side of the world in the middle of the night, and I fear that either this financial institution or someone within it is responsible for compromising my information. I have not encountered this issue with any other bank, and they have refused to properly address the problem by crediting the funds back to my account. \n\nInstitution : Fintwist/ComData Customer Service Dept XXXX XXXX Dispute Dept : XXXX or fax XXXX Date of Disputed Transactions : XX/XX/year> Amounts of Disputed Transactions : {$360.00} and {$14.00} Case Numbers : XXXX and XXXX","date_sent_to_company":"2026-03-19T12:33:42.000Z","issue":"Problem with a purchase or transfer","sub_product":"Payroll card","zip_code":"77057","tags":null,"has_narrative":true,"complaint_id":"20209243","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2026-03-12T16:49:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["Since XX/XX/year>, I have called more than XXXX times to <em>request</em> updates about my <em>dispute</em>, and I <em>sent</em> emails to the <em>dispute</em> <em>department</em> on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, asking for updates. On XX/XX/year>, a customer service representative informed me on a call that my <em>dispute</em> was approved on XX/XX/year>, but they could not provide any <em>information</em> about when a credit would be issued. At that point, the representative followed up with the <em>dispute</em> <em>department</em> internally."]},"sort":[16.276094,"20209243"]},{"_index":"complaint-public-v1","_id":"4812810","_score":16.257347,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I purchased a dating service via my Chase Freedom Card ( Chase ) on XX/XX/2021. On or about XX/XX/2021, I notified Chase that the vendor was not provided the service pursuant to the terms of their Agreement, and I was disputing the charge of {$4500.00} from the vendor. \n\nOn XX/XX/2021, I completed a questionnaire from Chase regarding the disputed charge. I faxed the completed form at a Chase branch in XXXX XXXX, NJ. On XX/XX/2021, I received a second request from Chase requiring additional information regarding the disputed charge. I then submitted my 2nd completed questionnaire on XX/XX/2021 and faxed the questionnaire at the Chase branch in XXXX XXXX, NJ. \n\nOn XX/XX/2021 I received a letter from Chase saying that they found no billing error based on our research. They did no research nor did they review the two ( 2 ) questionnaires I completed. ( Please note that their letter was signed by an individual only providing their first name, which provided no accountability. ) After receiving their letter of XX/XX/2021, I called Chase and they then put the charge back in dispute. They sent me another letter dated XX/XX/2021, stating that I didnt have to pay the disputed charge while they investigated. From the period of XX/XX/2021 until XX/XX/2021, I received no communication from Chase regarding the disputed charge. \n\nOn XX/XX/2021 I received a letter ( again signed by Chase representative with their first name only ), stating that they are reinstating the charge since the merchant was willing to provide the services as described but you opted to cancel the agreement. This statement is false, since the merchant was totally unresponsive and did not provide the services pursuant to their Agreement. Chase attached a letter from the merchant dated XX/XX/2021, with a copy of the Agreement, which I had already provided Chase. \n\nThere were multiple falsehoods in the merchants letter, but Chase did nothing to investigate. I reached out to Chase via phone calls to speak to a representative, but they refused to do anything. There was NO INVESTIGATION by Chase. \n\nI then went to a Chase branch in XXXX XXXX, NJ and spoke with XXXX XXXX, VP at the bank and she submitted a request to Chases Solution Department. However, the Solutions Department did not investigate it further. At this point, I informed Chase that I was going to submit a complaint with the FTC, since Chase was negligent in their duties to thoroughly investigate the charge.","date_sent_to_company":"2021-10-15T16:30:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"07006","tags":"Older American","has_narrative":true,"complaint_id":"4812810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-10-15T16:24:42.000Z","state":"NJ","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On or about XX/XX/2021, I notified Chase that the vendor was not provided the service pursuant to the terms of their Agreement, and I was <em>disputing</em> the <em>charge</em> of {$4500.00} from the vendor. \n\nOn XX/XX/2021, I completed a questionnaire from Chase <em>regarding</em> the <em>disputed</em> <em>charge</em>. I faxed the completed form at a Chase branch in XXXX XXXX, NJ. On XX/XX/2021, I received a second <em>request</em> from Chase requiring additional <em>information</em> <em>regarding</em> the <em>disputed</em> <em>charge</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":[16.257347,"4812810"]},{"_index":"complaint-public-v1","_id":"19068258","_score":16.14836,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have online banking with Truist I set the payments to go out on the XXXX of everymonth. On XX/XX/year> I called the bank regarding a fee of XXXX being charge to my account online banking, they stated it was from insufficient fund not being in the account. I asked the representative at the time would they be sending the payment out again for they amount of XXXX. They told me know. At this time the funds were now in my account so I called the mortgage company to pay the amount of XXXX which is what they requested. I did a check by phone to pay the amount from this amount. I then look into my account the XXXX was withdrawn as I have requested and then to discover they sent out another payment of XXXX and my account was overdrawn of the amount of XXXX I called the bank asked to a supervisor and explained the situation and that the representative told me the wrong information. They referred me to the dispute department, spoke to some from the dispute department they listen to my story and gathered my information and would forward it to the analyst to make a final decision. 5 days later I called back to find out if it had been resolved it they denied my claim.","date_sent_to_company":"2026-01-28T14:57:15.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"19068258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-01-28T14:33:57.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["They referred me to the <em>dispute</em> <em>department</em>, spoke to some from the <em>dispute</em> <em>department</em> they listen to my story and gathered my <em>information</em> and would forward it to the analyst to make a final decision. 5 days later I called back to find out if it had been resolved it they denied my claim."]},"sort":[16.14836,"19068258"]},{"_index":"complaint-public-v1","_id":"10201136","_score":16.028357,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This account was opened without my consent. I have no relationship or contract formally binding me to XXXX. I sent Experian this letter because this was proved and removed from my XXXX account as well as XXXX. Therefore Experian is reporting this inaccurately. Below is the letter I sent in. \n\nSubject : Dispute of Inaccurate Reporting - XXXX XXXX XXXX XXXX Account # XXXX Dear Experian Dispute Department, I am writing to formally dispute the accuracy of the information reported on my Experian credit report regarding an account listed as a charge-off. The account in question is identified as Account # XXXX and is reported as having a balance, which I believe is incorrect. \nThis account was previously disputed and successfully removed from both XXXX and XXXX reports. However, it remains on my Experian credit report with a charge-off status and an outstanding balance. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, the reporting of inaccurate information is a violation of federal law.\n\nI kindly request that you investigate this matter and delete this account from reporting on my credit. Please correct this error as soon as possible and provide me with written confirmation once the update has been made. Additionally, I request that you send me an updated copy of my credit report reflecting these changes. \nThank you for your prompt attention to this matter. Please contact me at XXXX or XXXX if you require any additional information. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-21T14:24:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"31419","tags":null,"has_narrative":true,"complaint_id":"10201136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-21T13:59:38.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>sent</em> Experian this letter because this was proved and removed from my XXXX account as well as XXXX. Therefore Experian is reporting this inaccurately. Below is the letter I <em>sent</em> in. \n\nSubject : <em>Dispute</em> of Inaccurate Reporting - XXXX XXXX XXXX XXXX Account # XXXX Dear Experian <em>Dispute</em> <em>Department</em>, I am writing to formally <em>dispute</em> the accuracy of the <em>information</em> reported on my Experian credit report <em>regarding</em> an account listed as a <em>charge</em>-off."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[16.028357,"10201136"]},{"_index":"complaint-public-v1","_id":"21535526","_score":15.909332,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute a medical debt of {$680.00} currently being collected by Revco Solutions, related to my visit on XX/XX/year> with XXXX XXXX XXXX at XXXX  XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA. Please note that this clinic is now operating under the name XXXX XXXX XXXX. \n\nI initially sought consultation only regarding XXXX XXXX  and did not request any procedure. During the visit, I was persuaded to undergo a XXXX XXXX XXXX without being provided adequate medical or financial information. I was not informed of the nature or necessity of the procedure, the likelihood of recurrence, associated risks, post-procedure care, or that the XXXX would be sent for pathology. \n\nImportantly, I was not informed of the cost of pathology services, and I did not knowingly consent to these charges. The pathology fee alone ( {$320.00} ) was never disclosed or authorized. \n\nThe lesions were not diagnosed as malignant, and the procedure was not urgent, raising concerns regarding medical necessity and potential overtreatment. \n\nAfter receiving the bill, I contacted the providers financial department and was explicitly told that the charges would be waived and that any billing notices were system-generated. Relying on this representation, I did not take further action at that time. \n\nDespite this, the account was later sent to collections. \n\nI dispute the validity of this debt. The charges, other than the office visit fee, were not properly authorized, were not fully disclosed, and were previously represented as waived. Referring this disputed account to collections is inappropriate and reflects unfair and misleading billing practices. \n\nAs a fair resolution, I am willing to pay the office visit fee of {$140.00}. I request that all remaining charges be removed, that collection activity be stopped, and that the account be withdrawn from collections. \n\nAdditionally, I request written confirmation that this account will not be reported to any credit bureau, or that any existing negative reporting be removed.","date_sent_to_company":"2026-04-23T18:42:32.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"91770","tags":null,"has_narrative":true,"complaint_id":"21535526","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Revco Management, LLC","date_received":"2026-04-23T18:18:53.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The lesions were not diagnosed as malignant, and the procedure was not urgent, raising concerns <em>regarding</em> medical necessity and potential overtreatment. \n\nAfter receiving the bill, I contacted the providers financial <em>department</em> and was explicitly told that the <em>charges</em> would be waived and that any billing notices were system-generated. Relying on this representation, I did not take further action at that time. \n\nDespite this, the account was later <em>sent</em> to collections."]},"sort":[15.909332,"21535526"]},{"_index":"complaint-public-v1","_id":"3744968","_score":15.892277,"_source":{"product":"Checking or savings account","complaint_what_happened":"I bank online with Simple Bank. \nI had 6 fraudulent charges on my account by XXXX that posted XX/XX/XXXX were for the following amounts : {$0.00}, {$54.00}, {$1.00}, {$100.00}, {$210.00}, and {$2.00}. \nI called Simple Bank on XX/XX/XXXX to report fraudulent activity regarding numerous unauthorized charges from XXXX. \nAt the time i called, the charges were pending. When I spoke to the support person they were able to tell me that the charges coming from XXXX. They said that they would forward the information to the fraud/investigation department and to look out for a response from them. The fraud department asked me to send any documentation that I had. Since I did not make this transaction, I had no documentation to provide. \n\non XX/XX/XXXX I received the following message from XXXX  of Simple Fraud and Disputes department : \" Based on our investigation, we have concluded that no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. The reason ( s ) for denial : -The cardholder provided access to a third party, who exceeded the authority given. '' I can only assume that they were referring to the fact that my live-in partner of 7 years uses my card. \n\nOn I sent an email on XX/XX/XXXX and then on XX/XX/XXXX, I sent the following email : \" Dear Fraud Investigation Expert, I emailed the following message on XX/XX/XXXX, but havent even received confirmation that my message was received. I would really appreciate knowing that I am a valued customer and that this is being taken seriously. Can you please forward this to whoever needs to see it and give me some sort of communication to let me know what the status is? \n\nDear Fraud Investigator, I called to report fraudulent activity regarding numerous unauthorized charges from XXXX. \nAt the time i called, the charges were pending. When I spoke to your support person they were able to tell me that the charges coming from XXXX. They said that they would forward the information to the fraud/investigation department and to look out for a response from them. The feud department asked me to send any documentation that I had. Since I did not make this transaction, I had no documentation to provide. The 6 charges by XXXX that posted XX/XX/XXXX were for the following amounts : {$0.00}, {$54.00}, {$1.00}, {$100.00}, {$210.00}, and {$2.00}. \n\nI received the following message from XXXX of your Fraud and Disputes department : \" Based on our investigation, we have concluded that no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. The reason ( s ) for denial : -The cardholder provided access to a third party, who exceeded the authority given. '' This makes no sense to me whatsoever. As experts in fraud investigation, I'm certain that you are aware that the several small charges on my card are red flags for fraudulent activity. I can only assume the the third party that is mentioned as exceeding authority given refers to my girlfriend. \nMy girlfriend and partner of 7 years makes most of the payments and purchases with my card. I shared this with your support person on the phone call when I notified Simple of the unauthorized charges. The FTC limits consumer responsibility for fraud as follows ( as I'm sure that you're aware ) : ***If you report an ATM or debit card missing before someone uses it, the EFTA says you are not responsible for any unauthorized transactions. If someone uses your ATM or debit card before you report it lost or stolen, your liability depends on how quickly you report it : If you report : Your maximum loss : Before any unauthorized charges are made. {$0.00} Within 2 business days after you learn about the loss or theft. {$50.00} XXXX I'm disappointed in the response from the fraud department and would appreciate my money reimbursed, per FTC regulations. Failing that, I am requesting more detailed response that shows due diligence and rationale for the decisions made on the part of your fraud department. \nThere were also 2 (? ) fraudulent charges from XXXX made the same day, which we included in our original call regarding fraudulent charges, but they never cleared. \nThank you for your prompt attention in this matter, \" I have since called Simple numerous times requesting updates. Simple will not connect me to the Fraud Investigation department and customer service tells me every time that they will email me when they have an update. I have not received any updates of any kind, other than to acknowledge that I have sent communication regarding the fraudulent charges.","date_sent_to_company":"2020-07-14T18:21:28.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"97006","tags":null,"has_narrative":true,"complaint_id":"3744968","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BBVA FINANCIAL CORPORATION","date_received":"2020-07-14T17:47:44.000Z","state":"OR","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Failing that, I am <em>requesting</em> more detailed response that shows due diligence and rationale for the decisions made on the part of your fraud <em>department</em>. \nThere were also 2 (? ) fraudulent <em>charges</em> from XXXX made the same day, which we included in our original call <em>regarding</em> fraudulent <em>charges</em>, but they never cleared. \nThank you for your prompt attention in this matter, \" I have since called Simple numerous times <em>requesting</em> updates."]},"sort":[15.892277,"3744968"]},{"_index":"complaint-public-v1","_id":"15963338","_score":15.832816,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I was notified of a denied charge for over XXXX, than I received a notification of a charge for {$280.00} at a XXXX XXXX XXXX in another part of the city. I was on the phone with their XXXX Department to dispute the claim when I received a call from Navy Fed regarding the charge. I filed the claim and the funds were returned to me at that time. \n\nOn XX/XX/XXXX, the funds were withdrawn from my account, I never received any notification of the denial of the claim. \n\nI called the credit union and was told a letter should have been sent prior to the funds being withdrawn. I visited my local branch and the CS personnel was able to work with the fraud dept to request a letter be sent and I was instructed to file a claim for a XXXX review, it was also denied. \n\nI called Navy Fed to request a reason for the denial and they provided the following statement : Our information contradicts your claim of unauthorized activity. \n\nXXXX of the questions ask in the XXXX review was if I had my card in my possession and my answer was yes. I turned my card into to my local Navy Federal Credit Union on XX/XX/XXXX and a new card was issued. \n\nI called XXXX XXXX in the zip code provided by Navy Fed to request a copy of the re and was told they are unable to print a copy due to the volume of transactions they complete daily.","date_sent_to_company":"2025-09-16T16:16:47.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"78251","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"15963338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-09-16T15:44:34.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I was notified of a denied <em>charge</em> for over XXXX, than I received a notification of a <em>charge</em> for {$280.00} at a XXXX XXXX XXXX in another part of the city. I was on the phone with their XXXX <em>Department</em> to <em>dispute</em> the claim when I received a call from Navy Fed <em>regarding</em> the <em>charge</em>. I filed the claim and the funds were returned to me at that time. \n\nOn XX/XX/XXXX, the funds were withdrawn from my account, I never received any notification of the denial of the claim."]},"sort":[15.832816,"15963338"]},{"_index":"complaint-public-v1","_id":"9059518","_score":15.829792,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/2024, I submitted a complaint of a fraud charge by XXXX of {$2600.00}. This charge was a result of a XXXX email scam that I responded to. \nI contacted Chase when I discovered the {$2600.00} as a \" pending '' charge on my Chase Freedom card. I supplied phone numbers and description of the fraudulent activity. \nI had several conversations with Chase providing all requested information : by multiple phone calls, a confirmed Fax on XX/XX/2024, an email ( sent from a local Chase branch ), on XX/XX/2024, and certified mail on XX/XX/2024 \nI have since discovered that I have not known what Chase department I was dealing with at any given time - Dispute or Fraud. I thought each phone call and transfers within those calls, that everyone was accessing the same information that I had provided. Apparently, that is an incorrect assumption. \nI finally received a claim ID on XX/XX/2024. \nThe charge of {$2600.00} is posted on the current statement and I have heard nothing from Chase regarding the claim.","date_sent_to_company":"2024-05-21T14:15:15.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"339XX","tags":"Older American","has_narrative":true,"complaint_id":"9059518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-05-21T13:19:49.000Z","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 had several conversations with Chase providing all <em>requested</em> <em>information</em> : by multiple phone calls, a confirmed Fax on XX/XX/2024, an email ( <em>sent</em> from a local Chase branch ), on XX/XX/2024, and certified mail on XX/XX/2024 \nI have since discovered that I have not known what Chase <em>department</em> I was dealing with at any given time - <em>Dispute</em> or Fraud. I thought each phone call and transfers within those calls, that everyone was accessing the same <em>information</em> that I had provided."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[15.829792,"9059518"]},{"_index":"complaint-public-v1","_id":"7832099","_score":15.791266,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I awoke to find a message from my credit card company, Citibank, it indicated that it detected possibly fraudulent charges on my credit card. I immediately called Citibank and they closed my account and sent me a new credit card. The charges are from a company called XXXX XXXX XXXX XXXX XXXX XXXX. The charges totaled {$12000.00}. There were 4 charges for {$2500.00}. {$2500.00}, {$2000.00} and {$5800.00}. These were all fraudulent charges. \n\nThese were charged in the XXXX XXXX XXXX XXXX to a company in New York ( I live in Colorado ). These charges were NOT unauthorized by me and I have never heard of this company and did not receive any goods or services from this company. XXXX XXXX XXXX does not have much contact information via phone or email online either. The only information on this company I found is the following and is a fairly new company according to the details below : XXXX XXXX XXXX. is a XXXX XXXX XXXX XXXX XXXX  filed on XX/XX/XXXX. The company 's filing status is listed as Active and its XXXX XXXX XXXX XXXX \nThe Registered Agent on file for this company is XXXX XXXX XXXX and is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company 's principal address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nThe company has 1 contact on record. The contact is XXXX XXXX XXXX XXXX XXXX XXXX \n\n\nAfter the charges on XX/XX/XXXX occurred, Citibank closed my credit card and opened a fraud case. On XX/XX/XXXX, I received a letter from Citi stating that I was liable for the charges since, I provided my account number for the transaction. However, I NEVER provided my account number to XXXX XXXX XXXX I disclose to Citibank that I authorized XXXX to charge my account for {$1.00} on XXXX but not I did not authorize XXXX XXXX XXXX  to charge my account for {$12000.00} on XXXX  Citibank is saying that since I gave my credit card information to XXXX I am responsible for the charges to this XXXX XXXX XXXX because I authorized the transaction, but this is false, I did not authorize this company to charge any money to my credit card, therefore, this a fraudulent activity. \n\nTo be crystal clear, I did not authorize XXXX XXXX  to charge my credit card, I have never heard of this company, I did not receive any goods or services from this company, there is no contact information to call or email information for this company either. \n\nOnce Citibank deemed the charges \" authorized '', they said these were not fraudulent charges and that I was responsible to pay for the total charges. I then spoke to Citibank and they told me to call their Credit Dispute department as my last resort. The Credit Dispute department was confused and said this was actually fraud and so I told her Citibank closed the fraud case and my last option is Credit Dispute. So, on XX/XX/XXXXXXXX Citibank opened a dispute case and grated me conditional credit for the charges. \n\nOn XX/XX/XXXXXXXX Citibank asked for additional information on for the transaction that was {$5800.00} and I sent them the information they requested. On XX/XX/XXXX Citibank sent me a letter stating they have completed their investigation and I am responsible for the {$5800.00}. When I called the Citibank Dispute department to ask why this case was completed, they said that Citibank requested information, received it ( email attached is the confirmation ) but did not review the letter I sent for some reason, so I need to resend a letter with information regarding the charges. The Supervisor I spoke with said he would try to send the letter again and offer me a conditional credit for the {$5800.00} ( this has yet to happen ). He also asked me to send the letter again to the dispute center, which I did via email. He was not clear why the letter with additional information I sent was not reviewed or proceed by their review team. \n\nAt this point there is a charge for XXXX XXXX on my credit card for {$5800.00} and I have been trying hard to work with Citibank and their representatives. Citibank has been deceptive in stating that I gave my credit card information to this company, when I did not and I have been very clear that I have no connection to this company, XXXX XXXX XXXX","date_sent_to_company":"2023-11-10T18:19:15.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"800XX","tags":null,"has_narrative":true,"complaint_id":"7832099","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-11-10T17:23:42.000Z","state":"CO","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":["When I called the Citibank <em>Dispute</em> <em>department</em> to ask why this case was completed, they said that Citibank <em>requested</em> <em>information</em>, received it ( email attached is the confirmation ) but did not review the letter I <em>sent</em> for some reason, so I need to resend a letter with <em>information</em> <em>regarding</em> the <em>charges</em>. The Supervisor I spoke with said he would try to send the letter again and offer me a conditional credit for the {$5800.00} ( this has yet to happen )."],"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":[15.791266,"7832099"]},{"_index":"complaint-public-v1","_id":"12332491","_score":15.769136,"_source":{"product":"Checking or savings account","complaint_what_happened":"I CALLED CITI BANK AND FILE A DISPUTE 7 DAYS LATER THEY SENT ME A LETTER STATING THAT I NEEDED TO FILE A FORMAL DISPUTE IN WRITING AND THIS IS THE LETTER I FAXED TO THE DISPUTES DEPARTMENT OF CITI BANK CITI BANK Citibank Government Services, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Subject : Dispute of Unauthorized Charge Due to Fraud/ CASE NUMBER XXXX Dear CITI BANK BUSINESS DISPUTE DEPARTMENT , I am writing to formally dispute a fraudulent charge on my business checking account. On XXXX 21,2025, a charge of XXXX was posted to my account by XXXX XXXX XXXX FL XXXX without my knowledge or authorization. I did not make this transaction, nor did I authorize this companyor anyone elseto access or use my account in any way. \nI have never conducted business with XXXX XXXX XXXX FL XXXX and did not provide them with my banking details or consent for any transaction. This charge is entirely unauthorized and appears to be the result of fraud. I request that your office immediately investigate this matter, remove the charge from my account, and ensure that no further unauthorized transactions from this company or any related entity are processed. \nAdditionally, I would appreciate any assistance in securing my account against future fraudulent activity. Please advise on any necessary steps I should take, such as issuing a new card or updating security settings, to protect my financial information. \nI have attached relevant supporting documents, including copies of my recent account statements highlighting the unauthorized charge. Also, A copy of the police report filed regarding this unauthorized charge, and the Consumer Financial Protection Bureau compliant against the merchant as well. If you require any further information or documentation, please contact me at I trust that you will handle this matter with urgency and provide me with a resolution as soon as possible. Please confirm the status of my dispute and any corrective actions taken at your earliest convenience.","date_sent_to_company":"2025-03-05T14:12:10.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"33435","tags":null,"has_narrative":true,"complaint_id":"12332491","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-03-05T13:25:30.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I CALLED CITI BANK AND FILE A <em>DISPUTE</em> 7 DAYS LATER THEY <em>SENT</em> ME A LETTER STATING THAT I NEEDED TO FILE A FORMAL <em>DISPUTE</em> IN WRITING AND THIS IS THE LETTER I FAXED TO THE <em>DISPUTES</em> <em>DEPARTMENT</em> OF CITI BANK CITI BANK Citibank Government Services, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Subject : <em>Dispute</em> of Unauthorized <em>Charge</em> Due to Fraud/ CASE NUMBER XXXX Dear CITI BANK BUSINESS <em>DISPUTE</em> <em>DEPARTMENT</em> , I am writing to formally <em>dispute</em> a fraudulent <em>charge</em> on my business checking account."]},"sort":[15.769136,"12332491"]},{"_index":"complaint-public-v1","_id":"8757161","_score":15.768152,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2024, I noticed unauthorized charges on my Chime checking account. I filed a dispute for 4 different charges. These are the charges. \nXXXX XXXX XXXX {$47.00} {$26.00} XXXX XXXX  {$41.00} XXXX XXXX XXXX XXXX  {$39.00}. \nWithin two hours they denied the dispute. I requested proof of their investigation and 30 days later still had not received anything. \nSince that date I have filed 3 rebuttals, sent in documentation that they requested and requested the proof of investigation each time, and still have not received anything. \nThe last rebuttal was made on XX/XX/2024, in less than one hour the rebuttal was denied. \nI have also demanded an email or even an address of somewhere I can send a complaint and they have downright refused to give to me. \n\nI did not authorize these said transactions, and can get no where with their dispute department. Its like a merry go round nightmare. Im feel like they are hoping that I will finally just give up. However that is not the case. \n\nI also sent this in with the documentation, Subject : Formal Complaint Regarding Disputed Transactions and Lack of Response Dear Chime Support Team, I hope this message finds you well. I am writing to formally address a series of ongoing issues regarding disputed transactions on my Chime account. Despite multiple attempts to resolve these matters through your customer support channels, I have not received satisfactory responses or resolutions.I have diligently followed your procedures by submitting documentation and following the specified links provided in your emails. However, I continue to encounter difficulties as the emails bounce back with an \" unable to deliver '' notification. This has made it nearly impossible for me to provide the necessary evidence to support my claims that I did not authorize these transactions.Furthermore, I have reached out to your support team numerous times to request information about the investigation processes and the findings of your investigations into these disputed transactions. Unfortunately, I have not received any substantive information or updates regarding these inquiries.As a result of these unresolved issues and the lack of communication from your end, I have decided to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and intervention. I believe that this step is necessary to ensure transparency, accountability, and a fair resolution to the disputed transactions on my account.I kindly request that you take immediate action to address these concerns and provide me with the necessary documentation and information regarding the disputed transactions and your investigation processes.I appreciate your attention to this matter and look forward to a prompt and satisfactory resolution.Sincerely, XXXX  I have also attached what is said on Chimes website about unauthorized charges. \nXXXX XXXX XXXX. \nShop worry-free at millions of merchants. Chime debit cards are protected by the XXXX XXXX XXXX Policy to ensure that cardholders will not be responsible for unauthorized charges.","date_sent_to_company":"2024-04-12T15:14:43.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"952XX","tags":null,"has_narrative":true,"complaint_id":"8757161","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-04-12T14:52:50.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I also <em>sent</em> this in with the documentation, Subject : Formal Complaint <em>Regarding</em> <em>Disputed</em> Transactions and Lack of Response Dear Chime Support Team, I hope this message finds you well. I am writing to formally address a series of ongoing issues <em>regarding</em> <em>disputed</em> transactions on my Chime account."]},"sort":[15.768152,"8757161"]},{"_index":"complaint-public-v1","_id":"3832517","_score":15.717847,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Around XX/XX/2020, I received a phone call from Union Bank fraud department regrading suspicious transactions. Upon returning their call, the informed me that on XX/XX/2020 there were two purchases made, from XXXX XXXX and XXXX XXXX, totaling {$3100.00}, through my Union Bank credit card, that I did not make. I could not locate my physical card, and neither could my wife. The card was in her possession for several months, in case of an emergency. She did not make these purchases either. \n\nI contacted Union Bank and they credited the account and sent me a new card. \n\nOn XX/XX/XXXX, they sent a letter that they determined the transactions were authorized, and re billed my account for the stated amount. The letter stated that I can request to view the documents/information that they used to make the decision. I had sent a certified letter back to them, specifically to XXXX, Fraud Management Services, XXXX XXXX   XXXX, XXXX, XXXX XXXX, clearly requesting that information. \n\nA month later I get a reply from XXXX, Dispute Operations, XXXX XXXX   XXXX, XXXX, XXXX XXXX, asking me to explain what transaction I would like information on, a description of what happened, date/dollar amount, and what I am expecting from them. I called XXXX at the number in the letter, XXXX ex XXXX and left two voicemails explaining that I am replying to a letter from XXXX, and looking for the specific information that was used to determine the charge as authorized. \n\nOn XX/XX/XXXX I receive another letter from XXXX, regarding a different charge, for {$210.00}, from XXXX, asking me to complete a dispute form and fax it to them. This was a transaction that I never continued to dispute because I was able to eventually resell the item and get my money back.\n\nUnion Bank is giving me a run around regarding providing information for this fraudulent charge. The two employees, XXXX and XXXX, have -never- answered their phone, and are completely avoiding providing direct answers and information, and resolving this latter.","date_sent_to_company":"2020-09-06T04:58:29.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"91342","tags":null,"has_narrative":true,"complaint_id":"3832517","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"MUFG AMERICAS HOLDINGS CORPORATION","date_received":"2020-09-06T00:33:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I receive another letter from XXXX, <em>regarding</em> a different <em>charge</em>, for {$210.00}, from XXXX, asking me to complete a <em>dispute</em> form and fax it to them. This was a transaction that I never continued to <em>dispute</em> because I was able to eventually resell the item and get my money back.\n\nUnion Bank is giving me a run around <em>regarding</em> providing <em>information</em> for this fraudulent <em>charge</em>."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[15.717847,"3832517"]},{"_index":"complaint-public-v1","_id":"4331140","_score":15.674433,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Please see emails between vendor and myself. I canceled and requested a refund. Capital 1 removed charge then applied it bank to my credit card. I made every attempt to contact vendor by email and by phone to cancel and request them to refund my card asap. They never contacted me until I contacted Capital 1. Package was delivered, refused and returned to XXXX. Please see tracking information also regarding vendor received return. Capital 1 sent a letter to me that the charge is being applied back to my responsibility. They also requested further information if I did not agree with their decision. They said I could respond by fax which I tried numerous times. It is a non working fax number which continually rings busy. I called to speak with a supervisor to ask for assistance. She said there was no other fax number available to send documentation. They did send a link to upload my documents which also did not allow screen shots which they recommended I take and upload. After numerous calls an attempts with Capital 1, I had no recourse but to file a complaint, which is what I am doing. I also contacted customer service department at Capital 1 for their fax number, which the representative was kind enough to provide. Faxed over documentation to the ATTN : DISPUTE DEPARTMENT c/o CUSTOMER SERVICE. Please review. Thank you for your help to resolve this matter asap. \nXXXX XXXX XXXX","date_sent_to_company":"2021-05-03T20:15:48.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"080XX","tags":"Older American","has_narrative":true,"complaint_id":"4331140","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-04-27T19:00:04.000Z","state":"NJ","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 canceled and <em>requested</em> a refund. Capital 1 removed <em>charge</em> then applied it bank to my credit card. I made every attempt to contact vendor by email and by phone to cancel and <em>request</em> them to refund my card asap. They never contacted me until I contacted Capital 1. Package was delivered, refused and returned to XXXX. Please see tracking <em>information</em> also <em>regarding</em> vendor received return. Capital 1 <em>sent</em> a letter to me that the <em>charge</em> is being applied back to my responsibility."],"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":[15.674433,"4331140"]},{"_index":"complaint-public-v1","_id":"12319697","_score":15.542276,"_source":{"product":"Credit card","complaint_what_happened":"This was the last letter requesting the charge be reversed and requesting arbitration. In addition I have multiple requests for this action as well as pictures to prove this product was removed and returned by the company. \nXX/XX/2025 RE : XXXX XXXX  Charge To whom it may concern, XXXX XXXX  is currently in litigation involving the only charge on this account. In addition, the contract for this charge has been cancelled as the product involving this charge has been removed and returned per XXXX XXXX themselves. In addition, for this charge to be on my credit card I want XXXX XXXX to provide a contract that states this transaction to be made to my account. Also, I am reiterating that I have already submitted all the documentation, including pictures of the product removed and loaded into a XXXX XXXX  vehicle, verifying my claim that the original product charges on my account HAS BEEN REMOVED AND RETURNED by XXXX XXXX themselves. Therefore, this charge should be reversed immediately and all money that I paid towards this charge should be credited to my account and returned to me. Synchrony Bank has failed me as a consumer as they know as well that the product has been removed and returned. In addition, they ( Synchrony Bank ) have NEVER sent anything to me letting me know the status of any disputes that I have filed, asked me questions regarding this transaction or asked for any other information that might be needed to conduct an adequate review of my dispute. But I will reiterate that ALL the product was removed and returned by XXXX XXXX  themselves. NO RESOLUTION HAS BEEN REACHED. And the only resolution that I will agree to is for this charge to be reversed immediately and for my account credited and money paid by me to be refunded. I have continuously requested Arbitration for this charge and again, I AM REQUESTING AND DEMANDING arbitration immediately. I am also requesting that a formal complaint be filed against any and all persons that have said they have reviewed this complaint in the dispute department.","date_sent_to_company":"2025-03-03T21:11:11.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"310XX","tags":null,"has_narrative":true,"complaint_id":"12319697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-03-03T20:54:38.000Z","state":"GA","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 addition, they ( Synchrony Bank ) have NEVER <em>sent</em> anything to me letting me know the status of any <em>disputes</em> that I have filed, asked me questions <em>regarding</em> this transaction or asked for any other <em>information</em> that might be needed to conduct an adequate review of my <em>dispute</em>. But I will reiterate that ALL the product was removed and returned by XXXX XXXX  themselves. NO RESOLUTION HAS BEEN REACHED."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[15.542276,"12319697"]},{"_index":"complaint-public-v1","_id":"17132619","_score":15.522433,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : [ XXXX ] Email : XXXX Date : XX/XX/year> Billing Department / Patient Accounts XXXX XXXX XXXX Subject : Dispute of Collection Active Insurance Coverage on XX/XX/year> Dear Billing Department, I am writing to dispute a collection account that was sent in my name regarding medical services received at XXXX XXXX XXXX on XX/XX/year>. I recently learned that my account was sent to collections ; however, I had active health insurance coverage at that time through XXXX XXXX. \n\nPlease review my account and confirm that the charges were correctly submitted to my insurance provider. If there was any issue with claim processing, I ask that you resubmit the claim to XXXX XXXX and notify the collection agency to remove the account from my credit report. \n\nFor your reference, my insurance information at the time of service was : Insurance Company : XXXX XXXX ID : XXXX Member ID : XXXX I request written confirmation once this issue has been corrected and the collection has been withdrawn. Please contact me if additional documentation is required to resolve this matter.\n\nThank you for your prompt attention to this issue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-11-10T04:16:03.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"18102","tags":null,"has_narrative":true,"complaint_id":"17132619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Medical Data Systems, Inc.","date_received":"2025-11-10T04:10:20.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : [ XXXX ] Email : XXXX Date : XX/XX/year> Billing <em>Department</em> / Patient Accounts XXXX XXXX XXXX Subject : <em>Dispute</em> of Collection Active Insurance Coverage on XX/XX/year> Dear Billing <em>Department</em>, I am writing to <em>dispute</em> a collection account that was <em>sent</em> in my name <em>regarding</em> medical services received at XXXX XXXX XXXX on XX/XX/year>."]},"sort":[15.522433,"17132619"]},{"_index":"complaint-public-v1","_id":"4802155","_score":15.458651,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2021 we began a dispute with our Fifth Third Mastercard. The dispute was regarding a charge for lodging that was unsafe. We were asking to be refunded the nights that we could not stay at the unsafe cabin. Fifth Third 's dispute team had to handle the dispute as opposed to Mastercard. We were notified on XX/XX/2021 that Fifth Third sided in favor of XXXX XXXX. We asked that the case be reopened and our responses to XXXX XXXX  report be considered. However, we are very concerned that Fifth Third never reviewed our responses as we got no communication from them concerning the new information. The case was reopened and, in essence, immediately closed. We never got a phone call or a letter regarding the closing of the case. We feel that Fifth Third disregarded our facts and responses. When I call the dispute department to clarify why it was closed so quickly after reopening, the associates seem irritated and impatient with me. \nWe were charged {$3100.00} by XXXX XXXX and are asking a refund for the nights we did not stay which would be {$2000.00}. \nSee attached documents sent to Fifth Third upon reopening of case request.","date_sent_to_company":"2021-10-12T16:36:42.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33707","tags":null,"has_narrative":true,"complaint_id":"4802155","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2021-10-12T16:01:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["See attached documents <em>sent</em> to Fifth Third upon 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