{"took":168,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7306,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7329350","_score":14.08184,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XXXX of XXXX, XXXX, a domain and website hosting company, falsely stated and advertised through their chat customer service and through their online account that they could renew a domain and XXXX falsely advertised that they could provide 1 ). Hosting and 2 ). Privacy & Protection for the domain. After purchasing their falsely advertised services and XXXX not renewing the domain and not being able to provide the services that they falsely advertised they could provide, I contacted them for a refund. \n\nXXXX did not deny that they had not provided any services even though they had charged me {$260.00} on XXXX XXXX. XXXX also did not deny that they could not even provide the services. Still, XXXX failed to provide a refund. \n\nA credit card dispute was initialed on XXXX XXXX with the Chase Credit Card Dispute Dept. Attached are documentation of the dispute initiation, documentation of the complete initial submitted dispute information, and a letter sent to the Chase Credit Card Dispute Dept. on XXXX XXXX requesting that they properly process this credit card dispute. \n\nDuring the processing of this dispute, the Chase Credit Card Dispute Dept. failed to mail any information to me regarding the dispute except for short basic generic form responses with essentially no real information in regard to the dispute. \n\nA representative from the Chase Credit Card Dispute Dept. called but did not say they were calling from the Chase Credit Card Dispute Dept. and did not say why they were calling, making it appear to be a spam call and not from Chase. \n\nThe Chase Credit Card Dispute Dept. failed to inform me of anything in regard to the processing of the dispute and I only found out that they did not follow-up on the dispute because I saw a reversal of the dispute credit on my credit card account. \n\nThe Chase Credit Card Dispute Dept. failed to inform me that they put some limited information regarding the dispute online, accessible by clicking through menu items online. \n\nThe information that the Chase Credit Card Dispute Dept. put online was just basic status information and did not contain the detailed dispute information that credit card dispute departments normally forward to their customers as a normal part of the dispute process. \n\nThe Chase Credit Card Dispute Dept. failed to forward the response from the merchant. \n\nI had to contact the Chase Credit Card Dispute Dept. to try to obtain information that they should have provided to me as part of the dispute process. \n\nWhen I contacted the Chase Credit Card Dispute Dept. on XXXX XXXX, they told me that the Chase Credit Card Dispute Dept. had closed the dispute and failed to follow-up on the dispute. \n\nThe Chase Credit Card Dispute Dept. had failed to allow me an opportunity to respond to the merchants response. \n\nI asked that Chase reopen the dispute and follow-up on the dispute. \n\nI was asked to fax additional information to the Chase Credit Card Dispute Dept., even though they had never provided a copy of the response from the merchant. \n\nI asked for information on the merchants response, as the merchant had never provided the services, so, obviously, there should be a refund. \n\nThe Chase Credit Card Dispute Dept. gave me very little information and they could not explain why they had not obtained a refund when the merchant had never provided any services. \n\nI requested that the Chase Credit Card Dispute Dept. send me the response from the merchant. The representative said that she would request that the response be given to me and said that it would be available online in 48 hours. ( It wasnt. ) The Chase Credit Card Dispute Dept. representative could not explain why Chase did not and does not send a copy of the merchants response to their credit card customer as a normal part of the dispute process. \n\nThe Chase Credit Card Dispute Dept. still failed to timely provide a copy of the merchants response to the initiated dispute. \n\nI provided and faxed additional information to the Chase Credit Card Dispute Dept. on XXXX XXXX, shortly before their stated deadline, even though they still never provided a copy of the merchants response that they were asking me to address. \n\nOn XXXX XXXX, I contact the Chase Credit Card Dispute Dept. again to ensure that they were following-up on the dispute, and the representative could not answer hardly any of my questions and was only able to say that they would provide an update in 15 days. \n\nI then also contacted the Chase Fraud Dept. on XXXX XXXX, since the merchant was apparently not agreeing to a refund, even though they had not provided any services and were attempting to take funds when they could not provide any services. \n\nThe Chase Fraud Dept. representative put me on hold and contacted the dispute team. She then got back to me and assured me that the dispute department would follow-up on the dispute and get a refund since the merchant had not provided any services and since the merchant was trying to offer and charge people for services that they could not provide. She said that she was making notes on the account. \n\nI did not hear back from the Chase Credit Card Dispute Dept. \n\nThen, on XXXX XXXX, I received an email from the merchant saying that I had been charged again. \n\nWithout any notice to me, the Chase Credit Card Dispute Dept. had put a short status on the online account ( underneath menus ) that stated that they did not follow-up on the dispute and had just simply closed the dispute, even though the merchant had never provided any services, and despite that fact that it appears that the merchant is trying to intentionally defraud people and despite the fact that I was told by their fraud dept. that they would follow-up on the dispute and make sure that I received a refund. \n\nThe Chase Credit Card Dispute Dept. failed to follow standard, normal, basic procedures in processing this dispute. \n\nThe Chase Credit Card Dispute Dept. failed to communicate information to us, as their customer, in regard to this dispute. \n\nThe Chase Credit Card Dispute Dept. failed to even provide documentation from the merchant to me before deciding not to follow-up on the dispute.\n\nThe Chase Credit Card Dept. failed to obtain a refund for the charged amount, even though the merchant never provided services.\n\nI have never before seen a Credit Card Dispute Dept. that doesnt even take basic steps to follow-up on a Credit Card dispute. \n\nI have never before seen a Credit Card Dispute Dept. that fails to communicate basic information to their customer.\n\nI have never before seen a Credit Card Dispute Dept. that can not obtain a refund when the merchant never provided the services.\n\nI have never before seen a Credit Card Dispute Dept. that doesnt care if a merchant is very apparently trying to defraud people.\n\nI have never before seen a Credit Card Dispute Dept. that so obviously has no regard for the interests of their customers. \n\nThe Chase Credit Card Dispute Dept. failed to follow-up on this dispute, despite the fact that the merchant had not provided services and a refund is due. \n\nThis was an easy dispute. There were no services provided by the merchant. The merchant does not ( and can not ) dispute this. The merchant never provided nor made available any services. There is nothing to pay for. It is fraud on the part of the merchant to not provide a refund. \n\nThere is nothing for them to charge for. They have provided nothing. \n\nIt is extremely poor for Chase not to provide personnel who can handle such an easy dispute. It is extremely poor for Chase to allow their customers to be defrauded. \n\nAs stated, the Chase Credit Card Dispute Dept. failed to forward the information from the merchant, which is a standard part of the dispute process and the only way for them to get responses from their customer so that they can make sure to have all pertinent information in regard to the dispute. \n\nOnly after they erroneously closed the dispute and after I specifically requested the information from the merchant twice did they finally forward the response from the merchant. \n\nThe response from the merchant does not even address the fact that they did not provide any services. In other words, the merchant does not even deny that they did not provide the services. \n\nThe response from the merchant does not address any of the pertinent facts in regard to this dispute. Their response is just a canned response that they probably forward for all disputes that is just a copy of their terms and conditions. Their terms and conditions are irrelevant when they falsely advertised that they could provide services that they could not provide and they did not provide any services. \n\nIn addition, the fact that the merchant is trying to take money from people with false advertising of services through customers online accounts, and not provide a refund when they know that they falsely advertised and did not provide any services, constitutes illegal activity and fraud on the part of the merchant. \n\nIt is unbelievable that Chases Credit Card Dept. would let a merchant get away with fraud in regard to their customers accounts.","date_sent_to_company":"2023-07-31T19:57:25.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"22003","tags":null,"has_narrative":true,"complaint_id":"7329350","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-07-31T18:30:24.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I had to contact the Chase <em>Credit</em> <em>Card</em> <em>Dispute</em> Dept. to try to obtain information that they should have <em>provided</em> to me as part of the <em>dispute</em> <em>process</em>. \n\nWhen I contacted the Chase <em>Credit</em> <em>Card</em> <em>Dispute</em> Dept. on XXXX XXXX, they told me that the Chase <em>Credit</em> <em>Card</em> <em>Dispute</em> Dept. had closed the <em>dispute</em> and failed to follow-up on the <em>dispute</em>. \n\nThe Chase <em>Credit</em> <em>Card</em> <em>Dispute</em> Dept. had failed to allow me an opportunity to respond to the merchants response."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[14.08184,"7329350"]},{"_index":"complaint-public-v1","_id":"3430879","_score":13.860152,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Americans express are not processing my credit card dispute and have overcharge my credit card. \n\nThey are sharing with me that the balance is not due but is reporting an inaccurate information with the credit bureau regarding my balance due that is under dispute. And hasn't provided any disputes resolution.","date_sent_to_company":"2019-11-07T08:02:24.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"223XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3430879","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-11-07T02:40:13.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Americans express are not <em>processing</em> my <em>credit</em> <em>card</em> <em>dispute</em> and have overcharge my <em>credit</em> <em>card</em>. \n\nThey are sharing with me that the balance is not due but is reporting an inaccurate information with the <em>credit</em> bureau regarding my balance due that is under <em>dispute</em>. And hasn't <em>provided</em> any <em>disputes</em> resolution."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.860152,"3430879"]},{"_index":"complaint-public-v1","_id":"6346198","_score":13.620583,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"None of the credit card companies I complained about in CFPB complaint numbers XXXX ( XXXX ) XXXX and XXXX ( Bank of America ) XXXX have provided me with copies of the documents the merchants submitted to the credit card companies relating to my disputes. As a cardholder who disputed charges related to said merchants, the cardholder has the right to view said documents and challenge their content as part of a discovery process, and to appeal credit card company decisions. This cardholders due process rights have been violated and as a consumers I deserve fair treatment. A consumers bill of rights which includes fair handling of credit card disputes is needed.","date_sent_to_company":"2023-01-12T21:27:07.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"88011","tags":"Older American","has_narrative":true,"complaint_id":"6346198","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-12-21T15:37:23.000Z","state":"NM","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":["None of the <em>credit</em> <em>card</em> companies I complained about in CFPB complaint numbers XXXX ( XXXX ) XXXX and XXXX ( Bank of America ) XXXX have <em>provided</em> me with copies of the documents the merchants submitted to the <em>credit</em> <em>card</em> companies relating to my <em>disputes</em>. As a cardholder who <em>disputed</em> charges related to said merchants, the cardholder has the right to view said documents and challenge their content as part of a discovery <em>process</em>, and to appeal <em>credit</em> <em>card</em> company decisions."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.620583,"6346198"]},{"_index":"complaint-public-v1","_id":"3526733","_score":13.608635,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"TD Bank/TD Card Services did not properly handle a credit card dispute and did not follow-up on the dispute, as other banking institutions would have done. In addition, this credit card dispute involved four banking institutions, and all three of the other banking institutions followed-up on this credit card dispute and provided a permanent credit for the disputed amounts. TD Bank is the only bank that has not followed-up on the dispute and provided a permanent credit for the disputed amount.\n\nTD Bank does not respond to written communication and never responded to the attached letters written to TD Bank asking them to properly handle this credit card dispute. \n\nAs shown in the enclosed correspondence, a service provider agreed to provide ongoing representation in a legal matter for XXXX. Because of the amount of the charge, it was split over four credit cards. The service provider failed to provide the agreed upon services for the payment of XXXX. I then requested a refund for the charges totaling XXXX. The service provider admitted they did not provide the agreed upon services but ignored requests for a refund. I submitted disputes to the four credit card companies for the four credit cards involved in the dispute. TD Bank did not follow-up on the dispute process. ALL three of the other credit card companies properly followed-up on the dispute and provided credits on my credit card accounts for the dispute amount. \n\nI wrote to TD Bank on XX/XX/2019 initiating this dispute in regard to services that were not provided. \n\nI wrote to TD Bank on XX/XX/2019 providing additional information and thanking them in advance for their assistance in regard to the dispute. \n\nI wrote to TD Bank on XX/XX/2019, asking them to follow-up on this dispute. They never responded. \n\nWhen I received another credit card statement from TD Bank and they had still not given me a credit for the dispute amount, I wrote to TD Bank again on XX/XX/2019, again asking them to follow-up on this dispute. They never responded. \n\nWhen I received yet another credit card statement from TD Bank and they had still not given me a credit for the dispute amount, I wrote to TD Bank again on XX/XX/2019, again asking them to follow-up on this dispute. They never responded. \n\nTD Bank NEVER provided any response to my letter of XX/XX/2019, NOR to my letter of XX/XX/2019, NOR to my letter of XX/XX/2019. \n\nI called TD Bank on XX/XX/2019, and they told me that the dispute had been closed but they told me on the phone that they were reopening the dispute. Again, it has been months and I have not received any follow-up communications from TD Bank in regard to this dispute.\n\nAll three of the other credit card companies, involved in the SAME dispute, have given me refunds for the amounts that are part of this same dispute. The other three credit card companies provided those permanent credits months ago. TD Bank has still not handled this dispute with the other bank involved. TD Bank NEVER follows-up on the dispute process and repeatedly NEVER responds to communications. \n\nI am attaching the correspondence with TD Bank. TD Bank only sent three form letters at the beginning of the dispute process. The only information specific to my dispute was the date received, the Case Amount, Merchant Name, and Transaction Date. Each time, all of the other information in the short letter was just a form letter that was not specific to my dispute. And, TD Bank failed to provide any documentation from the merchant as they state in the third form letter.\n\nTD Bank never took the proper steps to properly process this dispute.","date_sent_to_company":"2020-02-10T18:45:44.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"22042","tags":null,"has_narrative":true,"complaint_id":"3526733","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2020-02-10T17:42:30.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I submitted <em>disputes</em> to the four <em>credit</em> <em>card</em> companies for the four <em>credit</em> cards involved in the <em>dispute</em>. TD Bank did not follow-up on the <em>dispute</em> <em>process</em>. ALL three of the other <em>credit</em> <em>card</em> companies properly followed-up on the <em>dispute</em> and <em>provided</em> <em>credits</em> on my <em>credit</em> <em>card</em> accounts for the <em>dispute</em> amount. \n\nI wrote to TD Bank on XX/XX/2019 initiating this <em>dispute</em> in regard to services that were not <em>provided</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.608635,"3526733"]},{"_index":"complaint-public-v1","_id":"20197950","_score":13.45639,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding the handling of a disputed credit card charge by Apple Card, issued by Goldman Sachs. \n\nOn XX/XX/25, I paid {$1100.00} using my Apple Card through a payment link processed by XXXX for the purchase of a puppy from an online seller, XXXX. The seller advertised a puppy for sale on a website and provided a delivery date after payment was made. \n\nAfter the payment was processed, the seller immediately ceased all communication and never delivered the puppy. It is clear that this was a fraudulent puppy sale scam. \n\nI promptly disputed the charge with Apple Card and provided documentation including email correspondence with the seller showing the agreement to purchase the puppy and the promised delivery. Despite this evidence, Apple Card repeatedly denied my dispute. \n\nThis transaction should qualify as a goods not received dispute, as the merchant accepted payment but never delivered the product. To my knowledge, the merchant can not provide any proof of shipment or delivery. \n\nI have requested that Apple Card provide the documentation submitted by the merchant to justify denying my claim, including any proof of delivery, but this has not resolved the issue.","date_sent_to_company":"2026-03-12T11:35:40.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30068","tags":null,"has_narrative":true,"complaint_id":"20197950","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2026-03-12T11:21:02.000Z","state":"GA","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 am filing a complaint regarding the handling of a <em>disputed</em> <em>credit</em> <em>card</em> charge by Apple <em>Card</em>, issued by Goldman Sachs. \n\nOn XX/XX/25, I paid {$1100.00} using my Apple <em>Card</em> through a payment link <em>processed</em> by XXXX for the purchase of a puppy from an online seller, XXXX. The seller advertised a puppy for sale on a website and <em>provided</em> a delivery date after payment was made. \n\nAfter the payment was <em>processed</em>, the seller immediately ceased all communication and never delivered the puppy."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.45639,"20197950"]},{"_index":"complaint-public-v1","_id":"4192144","_score":13.442275,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I made a purchase in Saks Fifth Avenue with the store credit card managed by Capital One. \nI never received the package and called the store to notify them. Store promised a refund and they said that refund will be in my credit card within 7 to 10 days. Refund never came to my card. \nI called back to check the status and then I was informed that they decided not to process the refund even that they promised. \nThe I called the credit card department yo open a dispute per required in Regulation E. \nI was never provided with a temporary credit even that I took more than 10 days, the credit card disputes department never investigated or provided with a resolution.","date_sent_to_company":"2021-03-08T15:21:57.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"89110","tags":null,"has_narrative":true,"complaint_id":"4192144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-03-08T15:13:35.000Z","state":"NV","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The I called the <em>credit</em> <em>card</em> department yo open a <em>dispute</em> per required in Regulation E. \nI was never <em>provided</em> with a temporary <em>credit</em> even that I took more than 10 days, the <em>credit</em> <em>card</em> <em>disputes</em> department never investigated or <em>provided</em> with a resolution."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.442275,"4192144"]},{"_index":"complaint-public-v1","_id":"3751275","_score":13.425328,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I'm creating this with regards to a charge on my Chase credit card from XX/XX/20 for {$2800.00}. I have tried twice to resolve this dispute with Chase but have not been refunded. I have provided proof that the party I transacted with still has all of my funds and has not provided their service ( travel agent ). I provided proof of trying to reach the vendor on the phone, email chains between the vendor, myself and the resort I was to stay with and the fact that the travel agent 's own website states to reach out to the credit card to process a refund as the travel agent has laid off their staff due to COVID and are unable to process it on their end.","date_sent_to_company":"2020-07-17T22:59:11.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"3751275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-07-17T22:42:56.000Z","state":"NJ","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["I'm creating this with regards to a charge on my Chase <em>credit</em> <em>card</em> from XX/XX/20 for {$2800.00}. I have tried twice to resolve this <em>dispute</em> with Chase but have not been refunded. I have <em>provided</em> proof that the party I transacted with still has all of my funds and has not <em>provided</em> their service ( travel agent )."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose prepaid <em>card</em>"],"sub_issue":["<em>Card</em> company isn't resolving a <em>dispute</em> about a purchase or transfer"]},"sort":[13.425328,"3751275"]},{"_index":"complaint-public-v1","_id":"3052368","_score":13.402323,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Credit card company ignored exhibits I submitted as evidence of my dispute with merchant, their on line dispute platform failed to upload documents I submitted as evidence of my dispute. I had to reload documents after confirming with them that documents were not uploaded as their online platform relating false and incorrect data. \nThe credit card company advised me of was an arbitration procedure which they refused to excercise and allow me the opportunity defend my dispute with the merchant. Included with this process the credit card company also failed to provide me with any exhibits they were provided by the merchant as a part of the dispute process. I have requested those exhibits which they have failed to provide as required. \n\nI was told by their billing dispute Dept that they would not accept exhibits from me in audio format from recordings I had provided them as evidence to support my dispute claim. They rejected my audio files and indicated to me that I would need to provide transcripts in pdf format of those files if I was submitting them with my claim dispute I provided those files and they ignored them as is evident by their dispute resolution result. \nI was also told that any pics previously submitted to support my claim even if submitted in pdf format would not be considered.","date_sent_to_company":"2018-10-21T18:55:25.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90022","tags":null,"has_narrative":true,"complaint_id":"3052368","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2018-10-21T18:25:16.000Z","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":["Included with this <em>process</em> the <em>credit</em> <em>card</em> company also failed to provide me with any exhibits they were <em>provided</em> by the merchant as a part of the <em>dispute</em> <em>process</em>. I have requested those exhibits which they have failed to provide as required. \n\nI was told by their billing <em>dispute</em> Dept that they would not accept exhibits from me in audio format from recordings I had <em>provided</em> them as evidence to support my <em>dispute</em> claim."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.402323,"3052368"]},{"_index":"complaint-public-v1","_id":"12536540","_score":13.333086,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Refusing to Process My Dispute Illegal Request for Full Social Security Card I submitted a dispute to Equifax regarding inaccurate information on my credit report. Instead of processing my dispute, Equifax falsely claimed that they can not verify my identity unless I provide a copy of my full Social Security card. \n\nUnder FCRA 611, credit bureaus are required to investigate disputes within 30 days, and a full Social Security card is NOT a legal requirement for identity verification. I have already provided my drivers license and a recent utility bill, which is more than sufficient proof of identity. \n\nEquifax is clearly using this request as a delay tactic to avoid investigating my dispute. \n\nAttach is certify receipts that I mailed it to them with no reply","date_sent_to_company":"2025-03-18T21:00:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"610XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12536540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-18T20:55:24.000Z","state":"IL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Equifax Refusing to <em>Process</em> My <em>Dispute</em> Illegal Request for Full Social Security <em>Card</em> I submitted a <em>dispute</em> to Equifax regarding inaccurate information on my <em>credit</em> report. Instead of <em>processing</em> my <em>dispute</em>, Equifax falsely claimed that they can not verify my identity unless I provide a copy of my full Social Security <em>card</em>. \n\nUnder FCRA 611, <em>credit</em> bureaus are required to investigate <em>disputes</em> within 30 days, and a full Social Security <em>card</em> is NOT a legal requirement for identity verification."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.333086,"12536540"]},{"_index":"complaint-public-v1","_id":"7567510","_score":13.317542,"_source":{"product":"Credit card","complaint_what_happened":"Someone I was seeing, dating, took my credit card without permission. This card was used for a number of purchases and services. When I received my statement, I notified Citibank, NA of the charges. I also wrote them according to their dispute rules. Citibank, NA ruled that the charges were by an authorized user. I requested receipts of the transactions and additional information related to their dispute process. This was not provided. \n\nI have mailed no less than 7 letters to Citibank regarding these unauthorized charges. They have since reported to the credit agencies that this is a delinquent account, which is not true. Citibank has failed to respond related to the dispute of the unauthorized charges since their decision letter. I asked for appeal process and arbitration information. It was not provided. \n\nThese charges are from XX/XX/2023, in the amount around {$1400.00}.","date_sent_to_company":"2023-09-18T21:02:01.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"894XX","tags":null,"has_narrative":true,"complaint_id":"7567510","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-09-18T20:52:01.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Someone I was seeing, dating, took my <em>credit</em> <em>card</em> without permission. This <em>card</em> was used for a number of purchases and services. When I received my statement, I notified Citibank, NA of the charges. I also wrote them according to their <em>dispute</em> rules. Citibank, NA ruled that the charges were by an authorized user. I requested receipts of the transactions and additional information related to their <em>dispute</em> <em>process</em>. This was not <em>provided</em>."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.317542,"7567510"]},{"_index":"complaint-public-v1","_id":"10073206","_score":13.314912,"_source":{"product":"Credit card","complaint_what_happened":"In XXXX, 2024, there was an issue with a purchase made with my Fidelity Rewards credit card issued by Elan Financial. I immediately notified Elan of the issue and started the dispute process for the transaction. Throughout the process, Elan asked me multiple times for various pieces of information and I provided thorough documentation showing that the merchandise was returned and that the merchant failed to provide credit for the transaction. Despite the clear evidence, Elan did not help resolving the dispute and returned the disputed amount to my credit card balance on XX/XX/2024. Now I am unable to reopen the dispute on their website for some reason, but a credit of {$730.00} is still due to my account.","date_sent_to_company":"2024-09-11T00:13:39.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"60607","tags":null,"has_narrative":true,"complaint_id":"10073206","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2024-09-11T00:07:26.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["In XXXX, 2024, there was an issue with a purchase made with my Fidelity Rewards <em>credit</em> <em>card</em> issued by Elan Financial. I immediately notified Elan of the issue and started the <em>dispute</em> <em>process</em> for the transaction. Throughout the <em>process</em>, Elan asked me multiple times for various pieces of information and I <em>provided</em> thorough documentation showing that the merchandise was returned and that the merchant failed to provide <em>credit</em> for the transaction."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.314912,"10073206"]},{"_index":"complaint-public-v1","_id":"3354414","_score":13.300636,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The person who processes credit card disputes at PenFed does a terrible job. In XX/XX/XXXX-XX/XX/XXXX, I had several disputes with a Utility company that was charging my credit card for another customer 's utility bill - the disputes person at PenFed did not process the case in time and I lost several hundred dollars. \n\nLast year, I had fraudulent charges from an airline on my credit card. Once again, this person delayed the processing of my disputes and then closed them out as being late ... even though I provided all the documentation in time and she sat on them for weeks until it was too late. Once again, I lost over {$100.00} this time around. \n\nNow I have submitted two disputes and I am worried that they also will not be processed correctly. \n\nI love PenFed, but I simply don't use the credit cards because I am afraid that this person, and PenFed, doesn't have my back on the rare occasion where disputes arise with merchants.","date_sent_to_company":"2019-08-29T16:21:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"60174","tags":null,"has_narrative":true,"complaint_id":"3354414","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2019-08-26T23:03:29.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The person who <em>processes</em> <em>credit</em> <em>card</em> <em>disputes</em> at PenFed does a terrible job. In XX/XX/XXXX-XX/XX/XXXX, I had several <em>disputes</em> with a Utility company that was charging my <em>credit</em> <em>card</em> for another customer 's utility bill - the <em>disputes</em> person at PenFed did not <em>process</em> the case in time and I lost several hundred dollars. \n\nLast year, I had fraudulent charges from an airline on my <em>credit</em> <em>card</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"company":["PENTAGON FEDERAL <em>CREDIT</em> UNION"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.300636,"3354414"]},{"_index":"complaint-public-v1","_id":"19962616","_score":13.254043,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding the handling of a credit card dispute by Goldman Sachs Bank USA ( Apple Card ). \nOn XX/XX/year> I made a purchase from an online merchant, XXXX, in the amount of {$170.00}. After receiving the item, I contacted the merchant to request a return. On XX/XX/year> the merchant approved the return in writing and confirmed that a refund would be processed once the item was received. \nThe merchant wrote : Yes absolutely. As long as the lamp is new and unopened, we can process a return. All you have to do is ship it to the return address on the package and include your order number or original packing slip if you have it. Once I receive it, I will process a refund for you. \nBased on these written instructions, I returned the item to the address provided by the merchant. After receiving the item, the merchant refused to issue the refund and claimed the item was damaged. However, the merchant never provided photographs, an inspection report, or any documentation supporting the alleged damage. \nI disputed the charge with Apple Card ( Goldman Sachs ). I provided the email showing the merchant approved the return and promised a refund. Despite this documentation, Goldman Sachs denied the dispute and categorized it as services provided or not canceled in accordance with the merchants terms. \nThis transaction did not involve a service. It involved a physical product return where the merchant authorized the return and promised a refund that was never issued. \nI requested a reinvestigation and submitted additional documentation, including the merchants written return authorization and return policy. The dispute was again denied and the temporary credit was reversed. \nI am concerned that the dispute was evaluated under the wrong dispute category and that the available documentation showing the merchant promised a refund was not properly considered. \nI am requesting that Goldman Sachs review the dispute handling and provide the documentation the merchant submitted to support their claim that the item was damaged. I am also requesting a reconsideration of the dispute under the appropriate category of a credit not processed or refund not issued.","date_sent_to_company":"2026-03-04T14:15:22.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78705","tags":null,"has_narrative":true,"complaint_id":"19962616","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2026-03-04T14:10:59.000Z","state":"TX","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 am also requesting a reconsideration of the <em>dispute</em> under the appropriate category of a <em>credit</em> not <em>processed</em> or refund not issued."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.254043,"19962616"]},{"_index":"complaint-public-v1","_id":"1809174","_score":13.202141,"_source":{"product":"Credit card","complaint_what_happened":"First, we tried to resolve the subject dispute with citicards, the credit card issuer for several months, and could not resolve the issue. \nBriefly, we are disputing a charge on our credit card for a purchase where we did not receive the services we purchased. \nWe have provided our explanation and related documents to show how the services we purchased were not provided by the merchant, to citicards, during the course of the dispute process. \nUnfortunately, citicards refused to direct our complaints and documents to the relevant merchant and demand an explanation from the merchant regarding our claim. Or, if citicards indeed have communicated with the merchant regarding this complaint, they have failed to provide that communication to us. \nThe issue here is that : Does a credit card issuer such as citicards, have a fiduciary duty to ensure that the charges on a cardholder 's account are legitimate and products and services purchased using their credit cards are actually provided. And, what are the responsibilities that a credit card issuer has when a charge becomes illegitimate and products and services are not provided by the relevant merchant?","date_sent_to_company":"2016-03-01T00:45:49.000Z","issue":"Billing disputes","sub_product":null,"zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"1809174","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-03-01T00:45:48.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["First, we tried to resolve the subject <em>dispute</em> with citicards, the <em>credit</em> <em>card</em> issuer for several months, and could not resolve the issue. \nBriefly, we are <em>disputing</em> a charge on our <em>credit</em> <em>card</em> for a purchase where we did not receive the services we purchased. \nWe have <em>provided</em> our explanation and related documents to show how the services we purchased were not <em>provided</em> by the merchant, to citicards, during the course of the <em>dispute</em> <em>process</em>."],"product":["<em>Credit</em> <em>card</em>"]},"sort":[13.202141,"1809174"]},{"_index":"complaint-public-v1","_id":"19450531","_score":13.190339,"_source":{"product":"Debt or credit management","complaint_what_happened":"CFPB Complaint Draft Self Financial / Self Credit Builder Company Name Self Financial , Inc. ( Self Credit Builder / Self XXXX Credit Card ) Bank involved : Lead Bank Product Credit card ( secured credit card / credit builder product ) Issue Type Charged for a product not provided Refund or money not received Billing dispute Problems with application or denial Complaint Description I am submitting this complaint regarding a {$200.00} security deposit taken by Self Financial , Inc. in connection with a Self XXXX  secured credit card application that was ultimately denied. \n\nOn XX/XX/2026, Self Financial processed and charged my debit card {$200.00} as a security deposit for a Self XXXX credit card. I later received an email confirmation from Self stating that the payment has now been processed. The transaction posted to my bank account on XX/XX/2026. \n\nHowever, I then received an adverse action/denial notice dated XX/XX/2026, stating that my application was denied because the Security Deposit funding source failed processing. This denial reason directly contradicts Selfs own confirmation that the payment was successfully processed and the fact that the funds were withdrawn from my account.\n\nBecause the card was denied and no credit product was provided, I contacted my bank and filed a dispute. I also contacted Self Financial. A representative cancelled my account and informed me that it would take up to 30 days to recover my {$200.00}, even though the application was denied, no credit product was provided, and the security deposit had already been taken.\n\nHolding my money for up to 30 days after denying the application is unreasonable and inappropriate. If the funding truly failed, the charge should never have been processed. If the\ncharge processed, the denial reason is inaccurate.\n\nDesired Resolution Immediate refund of the {$200.00} security deposit Written explanation for the contradictory denial and payment processing Correction of internal records related to this transaction Assurance that funds are not retained after denied applications Supporting Documentation Available Bank transaction showing {$200.00} debit to SELF LENDER XXXX Email confirmation stating payment was processed Adverse action/denial notice dated XX/XX/2026 Record of account cancellation and refund delay explanation Additional Notes This complaint concerns the retention of funds after denial and conflicting explanations, not the credit approval decision itself.","date_sent_to_company":"2026-03-26T19:16:36.000Z","issue":"Didn't provide services promised","sub_product":"Credit repair services","zip_code":"347XX","tags":null,"has_narrative":true,"complaint_id":"19450531","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2026-02-12T15:35:12.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["CFPB Complaint Draft Self Financial / Self <em>Credit</em> Builder Company Name Self Financial , Inc. ( Self <em>Credit</em> Builder / Self XXXX <em>Credit</em> <em>Card</em> ) Bank involved : Lead Bank Product <em>Credit</em> <em>card</em> ( secured <em>credit</em> <em>card</em> / <em>credit</em> builder product ) Issue Type Charged for a product not <em>provided</em> Refund or money not received Billing <em>dispute</em> Problems with application or denial Complaint Description I am submitting this complaint regarding a {$200.00} security deposit taken by Self Financial , Inc. in connection with"],"product":["Debt or <em>credit</em> management"],"sub_product":["<em>Credit</em> repair services"]},"sort":[13.190339,"19450531"]},{"_index":"complaint-public-v1","_id":"5758249","_score":13.180816,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have two outstanding credit card disputes ( one dispute is two transactions Claim XXXX and XXXX, and one dispute is XXXX ). I have been working with Bank of Americas credit card dispute team checking the status, providing additional information, etc. These disputes date back to XX/XX/XXXX. \nAs you can see from my communications dated XX/XX/XXXX, the credit card dispute team has provided information but they have not completed or resolved the inquiry / dispute : In one situation, the credit card dispute team told me that the two claims had been resolved in my favor ( and the credit was permanent ) but they could not send me anything confirming that information. I pointed out that I did not believe that was correct I provided an example of a claim in which they had provided me such a written confirmation. \nIn the other situation, I am still due a credit and looking for similar written correspondence that the dispute is permanent and credited to my account. \n\nWhile not in my escalation to the Executive Complaints Team at Bank of America, the process has been confusing an disjointed. For example, during one call to the credit card dispute team, I asked for the fax number to send additional information related to my disputes to Bank of America the Bank of America contact ( in card disputes ) told me that they did not have that information that they could provide for me. In another case, a Bank of America contact provided me information about the disputes process ( i.e., 30 days to complete ) and when I called again another Bank of America contact told me I had been given incorrect information. \nAll I am l requesting is that Bank of America confirm in writing the details of the discussions that were provided verbally and confirm that these disputes are permanent and resolved in my favor. The two letters I sent to Bank of America ( dated XX/XX/XXXX ) so indicate ( sections marked My request to Bank of America ). \nWhile I did not want to file a CFPB complaint, I was very clear that this would be an action step if the Bank could not complete the inquiry. I so informed Bank of America contacts when speaking on the phone. I have also sent this information to the Executive Complaints department ( via certified mail receipt attached ) and through several e-mail contacts. Bank of America has not acknowledged my escalation, and no additional information has been provided.","date_sent_to_company":"2022-07-11T15:40:25.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"282XX","tags":null,"has_narrative":true,"complaint_id":"5758249","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-07-11T15:37:30.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["As you can see from my communications dated XX/XX/XXXX, the <em>credit</em> <em>card</em> <em>dispute</em> team has <em>provided</em> information but they have not completed or resolved the inquiry / <em>dispute</em> : In one situation, the <em>credit</em> <em>card</em> <em>dispute</em> team told me that the two claims had been resolved in my favor ( and the <em>credit</em> was permanent ) but they could not send me anything confirming that information."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.180816,"5758249"]},{"_index":"complaint-public-v1","_id":"5311703","_score":13.166951,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"To Whom It May Concern/Consumer Finance Protection Bureau : I am writing to file a formal complaint against Discover Card and their credit card dispute process. As a consumer and Discover credit cardholder of more than 25 years, I do not believe that Discover Card has represented my best interests fairly or transparently in the dispute process and, their actions and inactions in this case amount to gross negligence in addressing my concerns. I am asserting that Discover Card has failed to uphold their cardholder agreement for protection against fraud and receipt of fraudulent goods from a merchant and, therefore, I have not been protected under existing federal consumer financial laws. As you know, the Fair Credit Billing Act of XXXX  entitles me to dispute charges for failure to receive the goods that I purchased. In this case, I failed to receive the goods that I purchased, and I have supplied the Discover Card dispute team with necessary documents to substantiate and solidify the facts of my dispute case while the merchant failed to supply documentation to support the authenticity of the goods provided, and the merchant, in fact, has never denied my claim that the product is not authentic. \n\nIn summary, my dispute to Discover Card was made on XX/XX/XXXX after my return from a vacation in XXXX, XXXX where I made a purchase on XX/XX/XXXX using my Discover Card. My dispute was in reference to receiving fraudulent merchandise and the goods received were not what I purchased. I purchased several jewelry items from a merchant, XXXX XXXX, who identified the items as precious stone jewelry to include a pendant and earrings with genuine sapphires and a jewelry set including a pendant, earrings, ring, and bracelet with natural Paraiba tourmaline  stones. I asked for documentation from the salesman of the authenticity of the stones purchased for which he provided a handwritten documentation of the stones and approximate carat weight on a merchant receipt. For these stones set in sterling silver, I was charged a total of {$4900.00} USD. Upon my return home, I paid for a XXXX-certified gemologist at a local jeweler to evaluate and identify the jewelry and stones. I was informed by the gemologist that the stones were cubic zirconia ( colored and colorless ) set in sterling silver and was provided with documentation of the XXXX-certified gemologist assessment of the jewelry. This supports my claim of fraud and gross misrepresentation of the product by the merchant and that I did not receive the goods that I purchased as I did not receive sapphire or Paraiba tourmaline stones as represented by the merchant at the time of purchase. I received fraudulent and unsatisfactory goods at a price commensurate with the price of genuine, authentic goods. \n\nAdditional facts in the case presented to Discover Card during the dispute process included the fact that I discovered that the merchant was not XXXX XXXX, as listed on the jewelry item tags which is the name that we saw during evaluation and purchase of the jewelry. For reference, XXXX XXXX was identified as a store supported and recommended by XXXX XXXX  XXXX  in their shopping guide. I learned that the merchants name was XXXX XXXX which was not included in the XXXX shopping guide as a reputable dealer. This represented another deliberate attempt by this merchant to fraudulently represent their store as supported by XXXXXXXX XXXX XXXX and amounts to an act of deception by the merchant. In fact, the salesman in the store informed us that XXXX had purchased many of the stores at port including the one where we made the purchase which we now know is not true. \n\nDuring the dispute process, the only response from the merchant has been that no returns were allowed for buyers remorse or size change and that I made the purchase with the card. The merchant has provided no evidence that the goods are authentic and has not denied my claim that the products are fraudulent. I notified Discover Card that this is not a case of buyers remorse or a size issue. This is a case of receiving fraudulent goods that were grossly misrepresented at the time of purchase, thus I did not receive the goods purchased and therefore, I have asked for Discover Card to fulfill their obligation to provide protection under my cardholder agreement against such occurrences. Despite being reassured by Discover Card agents along the process that I had provided all that was needed to support this with the official jewelers assessment and that the merchant would be required to prove that the items were authentic and as represented at purchase, the only response provided by the merchant through the entire dispute process was that no returns were allowed for buyers remorse or size change. After receiving this response for the second time, I contacted Discover Card again and this time I asked to speak with a supervisor. When the supervisor returned my call, she informed me that Discover card had initially submitted my dispute incorrectly, so she corrected it as a fraud claim but there was no additional internal review by Discover Card. She stated that the process would go to arbitration and that the documents provided would be all that was allowed as the merchant would not be allowed to submit anything additional to the case. This process started around midXXXX XXXX ( my call with the supervisor was on XX/XX/XXXX ). I was just informed on XX/XX/XXXX that Discover Card closed the dispute case and found the charges to be valid. I called Discover card to file an appeal on XX/XX/XXXX at XXXX. I asked to speak to a supervisor who called me around XXXX on XX/XX/XXXX. I spoke with XXXX in the Ohio office of Discover Card and filed a formal verbal appeal to the dispute decision. She informed me that she had no other avenues other than filing a formal complaint to the Discover Card corporate office regarding my concerns. She searched for a means for me to file a consumer complaint as a cardholder, but was unable to locate any avenue for me to file a formal complaint with Discover Card. She also informed me that she was not allowed to tell me if or when I would hear back about the complaint from someone at their corporate office. I have also uploaded a formal appeal letter to my Discover Card dispute referencing my concerns. In addition, the charge has been reapplied to my account and will be due in the next billing cycle. She was unable to reverse the charge to my account during my appeal, therefore, I would appreciate an expedited review of my case. \n\nI am reaching out to you for assistance in this matter as, in my opinion, Discover Card has failed to uphold their cardholder agreement for protection against fraud as I have not received the goods that I purchased due to gross misrepresentation and merchandise fraud by the merchant. In addition, the Discover Card dispute process is inherently flawed and ineffective. I have provided necessary documentation, including a paid XXXX-certified gemologist assessment of the product, to support my claims. The merchant has provided no documentation that supports the authenticity of the product and they have also not denied my claim that the product is fake. The dispute process also lacks transparency and as a consumer, it appears that Discover Card team members lacked due diligence in investigating and resolving my concerns. Each stage of the dispute process returned the same response as if the dispute investigators were simply checking off boxes to move the process along to the next stage without any real investigation into the dispute and any attention to addressing my concerns. \nBased on Discover Cards response to my concerns, it appears that they will accept any response from a merchant in order to avoid a chargeback to the merchant. In this case, they have blindly accepted the merchants statement regardless of the fact that the merchants response failed to address the dispute claim in any manner. In this dispute case, my claim was for fraudulent merchandise received which has nothing to do with buyers remorse or issues with size. As I have noted, at each stage, I spoke to an agent to address my concerns regarding the dispute process and each time was reassured that I had provided all necessary documentation. If the initial dispute was filed incorrectly, as stated by the supervisor, there should have been additional internal review by the Discover dispute team prior to pushing this to arbitration given their own internal error. \nIt is also my understanding that as a creditor, Discover Card, is obligated to resolve disputes within two billing cycles ( but not more than 90 days ) after getting the official dispute notification. I filed this dispute with Discover Card on XX/XX/XXXX and did not receive notification of their decision until XX/XX/XXXX which was a total of 187 days. I should have had resolution to my dispute no later than XX/XX/XXXX per these guidelines/standards. \n\nI am frankly very disappointed in Discover Card as this has been my primary credit card for more than 25 years and I have simply requested the buyer protection support that they claim they provide. I hope you will be able to help direct me to the next steps in proceeding with this complaint against Discover Card as expeditiously as possible given their failure to place the charge on hold pending further review. In addition, I hope you will be able to recommend any avenues to help me as the consumer to obtain a refund for receiving fraudulent merchandise from this merchant. \n\nThank you for your attention to this matter. \n\nBest regards, Uploaded Attachments include : Receipt of purchase Written documentation from the merchant on the merchants receipt paper of the merchandise purchased detailing a description of the jewelry and precious stones as represented at the time of purchase Jewelry assessment documentation from XXXX-certified jeweler Jewelry tags removed from the items listing the store as XXXX XXXX instead of XXXX XXXX XXXXXXXX XXXX shoppers guide of approved/reputable merchants XXXX XXXX response letter to Discover Card","date_sent_to_company":"2022-03-13T22:05:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"229XX","tags":null,"has_narrative":true,"complaint_id":"5311703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2022-03-13T21:43:10.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["To Whom It May Concern/Consumer Finance Protection Bureau : I am writing to file a formal complaint against Discover <em>Card</em> and their <em>credit</em> <em>card</em> <em>dispute</em> <em>process</em>. As a consumer and Discover <em>credit</em> cardholder of more than 25 years, I do not believe that Discover <em>Card</em> has represented my best interests fairly or transparently in the <em>dispute</em> <em>process</em> and, their actions and inactions in this case amount to gross negligence in addressing my concerns."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.166951,"5311703"]},{"_index":"complaint-public-v1","_id":"21272926","_score":13.165,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding how my credit card company handled my dispute for a {$6500.00} charge from XXXX. \n\nIn early XX/XX/2026, I booked a hotel reservation through XXXX for XX/XX/2026 through XX/XX/2026. This reservation was for my XXXX. During the booking process, the room was presented as refundable, which influenced my decision to move forward with the purchase. \n\nShortly after booking, and well in advance of the stay date, I attempted to cancel the reservation. I made multiple efforts to resolve this directly with the merchant, but XXXX directed me to the hotel, and the hotel directed me back to XXXX. I was unable to get any resolution despite acting in good faith. \n\nI then filed a dispute with my credit card company and provided documentation, including confirmation that the reservation has now been canceled and that no service will be provided. \n\nDespite this clear evidence, my credit card company denied the dispute and is holding me responsible for the full {$6500.00} charge. \n\nMy concern is not only with the merchant, but with how my credit card company handled this dispute. I provided documentation showing that the reservation is canceled and that no service will be delivered, yet this was not properly considered. I was not given a clear or sufficient explanation as to how I can be charged for a service that will not be provided. \n\nAdditionally, when I called to request further assistance and escalation, I was in the process of being transferred to a supervisor and the call was disconnected. This added to the frustration and prevented me from properly addressing the issue. \n\nI relied on my credit card company to fairly review this situation and protect me in a case where services were not delivered. Instead, the dispute was denied despite the evidence, leaving me responsible for a charge for something I will never receive. \n\nThis has been extremely frustrating, especially given that this booking was for my honeymoon, and I made every effort to resolve the issue properly and in advance. \n\nI am requesting that my credit card company conduct a proper and thorough re-review of this dispute, taking into account the documentation provided and the fact that no service will be delivered. \n\nI am requesting a full reversal of the charge based on services not being provided.","date_sent_to_company":"2026-04-15T18:45:07.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"99216","tags":null,"has_narrative":true,"complaint_id":"21272926","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-04-15T18:35:51.000Z","state":"WA","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 then filed a <em>dispute</em> with my <em>credit</em> <em>card</em> company and <em>provided</em> documentation, including confirmation that the reservation has now been canceled and that no service will be <em>provided</em>. \n\nDespite this clear evidence, my <em>credit</em> <em>card</em> company denied the <em>dispute</em> and is holding me responsible for the full {$6500.00} charge. \n\nMy concern is not only with the merchant, but with how my <em>credit</em> <em>card</em> company handled this <em>dispute</em>."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.165,"21272926"]},{"_index":"complaint-public-v1","_id":"2818110","_score":13.127771,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Formal complaint credit dispute claim was opened with Capital One following an online order from XXXX XXXX. \n\nIn short, XXXX XXXX charged the credit card. The order that was placed online was cancelled by XXXX XXXX due to inventory. XXXX attempted to rebill credit card despite this cancellation and not fulfilling their end of the order. \n\nA billing dispute was open with Capital One and as part of remediation, the original amount was credited back to card. However, Capital One received a charge authorization in \" investigation '' BUT no other support documentation was provided by XXXX XXXX. No documentation involving delivery or processing of the order was uncovered in the dispute. Capital One 's dispute process saw the charge authorization as the only necessary component to side with XXXX XXXX of an online purchase that was cancelled by XXXX and decided to rebill credit card. Since this, we have called Capital One but they claim the burden of proof falls on the consumer now with solely a charge authorization. No sufficient evidence of the vendor 's fulfillment is a direct oversight on the process of disputing claims especially when investigating online order fulfillment. \n\nThe initial purchase was made on XX/XX/XXXX. The dispute in question is for the value of {$61.00}. The complaint was lodged around XX/XX/XXXX.","date_sent_to_company":"2018-02-18T19:38:25.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"37013","tags":null,"has_narrative":true,"complaint_id":"2818110","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-02-18T19:24:12.000Z","state":"TN","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["However, Capital One received a charge authorization in \" investigation '' BUT no other support documentation was <em>provided</em> by XXXX XXXX. No documentation involving delivery or <em>processing</em> of the order was uncovered in the <em>dispute</em>. Capital One 's <em>dispute</em> <em>process</em> saw the charge authorization as the only necessary component to side with XXXX XXXX of an online purchase that was cancelled by XXXX and decided to rebill <em>credit</em> <em>card</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.127771,"2818110"]},{"_index":"complaint-public-v1","_id":"6808793","_score":13.12418,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX XXXX ( # XXXX ) charged amount of XXXX for Automobile/Vehicle Rentals on XX/XX/XXXX to my Bank of America Credit Card ( copies attached ). It came as a shock to me. On XX/XX/XXXX my car sustained damage due to hit and run ( likely a criminal act ). As required I contacted the Police ( XXXX XXXX ) and an examination was done at location XXXX XXXX XXXX XXXX lot of XXXX XXXX XXXX and report issued. I was enrolled in Automobile Insurance and was authorized to take my vehicle to their designated repair shop - Collision Express. In the mean time I was provided with a rental car by insurance company as required by law/policy. Apparently the Insurance didn't pay the Rental XXXX as required even though they were apparently billed. So XXXX charged my credit card to the amount. I disputed the charge with the credit card company in about XX/XX/XXXX. Though I provided myside of the story, the dispute went for more than 90 days despite me calling them several times and even promised expedited process. Few days ago I called and was told that they dismissed my dispute. The dispute is bona fide and should have been forwarded to XXXX for their response. Instead the credit card simply dismissed my dispute and I believe acted in bad faith and simply dismissed. I explained to them it is a dispute and not a service provided. The Insurance company did not pay them. That the insurance company along with their client the repair shop ( XXXX XXXX ) arranged their client XXXX 's car for rental. Not my choice. The insurance company did not pay XXXX as required. Clearly mal-practice of insurance company refusing and/or delaying the payment to XXXX, their business partner. After 90 days they dismissed my complaint without even seeking a response from XXXX who charged my credit card unusual amount. The reason provided by Bank of America business card is I believe fraudulent and/or wanted to pull this under the rug as the dispute resolution process would have unearthed/ exposed the unethical and illegal activities of XXXX and/or their partner XXXX XXXX. So they did not go through the normal / required dispute resolution process but I believe purposely delayed 90 days and/or beyond as they had no intention of going through the process. I also believe they engaged in un-ethical and/or illegal backdoor communications with XXXX for the purpose of dismissing my dispute. Simply fishy, unethical, fraudulent and likely breaches rules and regulations.","date_sent_to_company":"2023-04-07T22:41:52.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33068","tags":null,"has_narrative":true,"complaint_id":"6808793","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-04-07T21:43:48.000Z","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":["In the mean time I was <em>provided</em> with a rental car by insurance company as required by law/policy. Apparently the Insurance didn't pay the Rental XXXX as required even though they were apparently billed. So XXXX charged my <em>credit</em> <em>card</em> to the amount. I <em>disputed</em> the charge with the <em>credit</em> <em>card</em> company in about XX/XX/XXXX. Though I <em>provided</em> myside of the story, the <em>dispute</em> went for more than 90 days despite me calling them several times and even promised expedited <em>process</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.12418,"6808793"]},{"_index":"complaint-public-v1","_id":"12825603","_score":13.111688,"_source":{"product":"Credit card","complaint_what_happened":"I was part of a hijack move and my card was billed fraudulently. All contracts are made in a XXXX XXXX name. I notified PenFed and they disputed the charge twice and did not properly dispute the charge. I provided two police report as well as asked for supporting documents that warranted their pay out and they have nothing been able to secure any documents with the card holders name in it. Just a XXXX XXXX by the name of XXXX XXXX Which backs my claims and does not support grounds for they to process payment. They are still processing payments for amount of {$830.00} and {$1700.00}. Totaling {$2500.00} and holding me responsible by placing in my credit card and credit file.","date_sent_to_company":"2025-04-04T19:39:13.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32712","tags":null,"has_narrative":true,"complaint_id":"12825603","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2025-04-04T19:20:09.000Z","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":["Just a XXXX XXXX by the name of XXXX XXXX Which backs my claims and does not support grounds for they to <em>process</em> payment. They are still <em>processing</em> payments for amount of {$830.00} and {$1700.00}. Totaling {$2500.00} and holding me responsible by placing in my <em>credit</em> <em>card</em> and <em>credit</em> file."],"product":["<em>Credit</em> <em>card</em>"],"company":["PENTAGON FEDERAL <em>CREDIT</em> UNION"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.111688,"12825603"]},{"_index":"complaint-public-v1","_id":"9037404","_score":13.055141,"_source":{"product":"Credit card","complaint_what_happened":"I entered an agreement with a XXXXXXXX XXXXXXXX XXXX XXXXXXXX, on XX/XX/XXXX for sales support, at the amount of $ XXXX. The company did not live up to or honor their agreement, and I cancelled the service on XX/XX/XXXX, when I received out of office replies to my inquiries on XX/XX/XXXX. \n\nThe $ XXXX payment was setup through AppleCard/Goldman Sachs, and I began the dispute process on XX/XX/XXXX. I provided Goldman Sachs all email correspondence and documentation. I NEVER received anything for the payments ( {$600.00} ) XXXX received. Goldman Sachs provided me a temporary credit, but later reversed it, stating that their investigation contradicted the documents I provided. I filed an updated dispute, which was reopened with Goldman Sachs on XX/XX/XXXX. My account went into 30-day collections during this process. \n\nXXXX has not provided me deliverables for the {$600.00} debited to my account and Goldman Sachs says \" Your Apple Card transaction dispute investigation is complete and the merchant charges will remain on your account.","date_sent_to_company":"2024-05-17T17:38:38.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"76227","tags":null,"has_narrative":true,"complaint_id":"9037404","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-05-17T17:06:48.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The $ XXXX payment was setup through Apple<em>Card</em>/Goldman Sachs, and I began the <em>dispute</em> <em>process</em> on XX/XX/XXXX. I <em>provided</em> Goldman Sachs all email correspondence and documentation. I NEVER received anything for the payments ( {$600.00} ) XXXX received. Goldman Sachs <em>provided</em> me a temporary <em>credit</em>, but later reversed it, stating that their investigation contradicted the documents I <em>provided</em>. I filed an updated <em>dispute</em>, which was reopened with Goldman Sachs on XX/XX/XXXX."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.055141,"9037404"]},{"_index":"complaint-public-v1","_id":"5027833","_score":13.028878,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"A payment was made with my credit card to a roofer merchant. \nThe service was not provided and I have submitted clear proofs to that ( pictures and contract ). \nChase has refused to look at the proof provided and has dismissed the dispute based on no reason. \nI demand a fair and honest process to resolve the issue","date_sent_to_company":"2021-12-20T21:02:19.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"08701","tags":null,"has_narrative":true,"complaint_id":"5027833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-12-20T20:55:30.000Z","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":["A payment was made with my <em>credit</em> <em>card</em> to a roofer merchant. \nThe service was not <em>provided</em> and I have submitted clear proofs to that ( pictures and contract ). \nChase has refused to look at the proof <em>provided</em> and has dismissed the <em>dispute</em> based on no reason. \nI demand a fair and honest <em>process</em> to resolve the issue"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.028878,"5027833"]},{"_index":"complaint-public-v1","_id":"3072667","_score":13.005588,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Discover card was clearly provided the tracking number in dispute case number : XXXX, in regards to a used black belt that the merchant sent me for purchase price dispute of {$19.00}. XXXX tracking number XXXX was clearly returned to the merchant on XX/XX/18, at XXXX XXXX, signed by XXXX, delivered in XXXX, IA, the home office location of the retailer. As of today, retailer neglected to process the credit. Additionally, Discover card could have taken 30 seconds to type in the above tracking information to show that the item was returned to the retailer. Rather, Discover card relied on the original proof of delivery provided by the retailer which is irrelevant.","date_sent_to_company":"2018-11-14T05:03:44.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"08859","tags":null,"has_narrative":true,"complaint_id":"3072667","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2018-11-14T04:56:03.000Z","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":["Discover <em>card</em> was clearly <em>provided</em> the tracking number in <em>dispute</em> case number : XXXX, in regards to a used black belt that the merchant sent me for purchase price <em>dispute</em> of {$19.00}. XXXX tracking number XXXX was clearly returned to the merchant on XX/XX/18, at XXXX XXXX, signed by XXXX, delivered in XXXX, IA, the home office location of the retailer. As of today, retailer neglected to <em>process</em> the <em>credit</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.005588,"3072667"]},{"_index":"complaint-public-v1","_id":"18071275","_score":12.883309,"_source":{"product":"Credit card","complaint_what_happened":"In XX/XX/year>, my landlord collected rent twice for the same rent period in the amount of {$1700.00}. \n\nI paid rent via money order/cashiers check on or about XX/XX/year> in the amount of {$1700.00}. The landlord also processed an automatic credit card payment on XX/XX/year> for the same rent period and the same amount, resulting in two payments for one rent obligation. \nOnly one rent payment was owed. The landlord retained both payments and has refused to assist because I am a former resident. \n\nI contacted Citi Bank to dispute the duplicate credit card charge and provided documentation showing both payments. I was escalated to a supervisor and informed verbally that the dispute would not be credited unless documentation was provided from the merchant. No written denial or explanation was provided to me. \n\nThis is a duplicate charge and a failure to properly resolve a billing dispute. I am requesting reversal/refund of the duplicate credit card rent charge in the amount of {$1700.00}.","date_sent_to_company":"2025-12-16T13:51:36.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32828","tags":null,"has_narrative":true,"complaint_id":"18071275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-12-16T13:34:31.000Z","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":["The landlord also <em>processed</em> an automatic <em>credit</em> <em>card</em> payment on XX/XX/year> for the same rent period and the same amount, resulting in two payments for one rent obligation. \nOnly one rent payment was owed. The landlord retained both payments and has refused to assist because I am a former resident. \n\nI contacted Citi Bank to <em>dispute</em> the duplicate <em>credit</em> <em>card</em> charge and <em>provided</em> documentation showing both payments."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.883309,"18071275"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":7306,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":7306}]}},"product":{"doc_count":7306,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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