{"took":392,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":8389,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7963175","_score":15.881051,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to express my extreme frustration and disappointment regarding the unresolved dispute of inaccurate late payment accounts on my credit report. Despite my repeated attempts to rectify this matter, the inaccuracies persist, staining my credit report and causing substantial harm to my financial standing. \nAccount Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. \nI am appalled by the prolonged and seemingly ineffective resolution process regarding my dispute. It has been years already since I initially raised the issue, and there has been no satisfactory progress or resolution. \nI previously escalated this dispute, as indicated in my earlier communications with your bureau. However, the length of time without any resolution is unacceptable. I demand an explanation for the extended delay in resolving this matter and an update on the status of the escalated dispute. I question the thoroughness of your bureau 's investigation process and demand a detailed account of the steps taken to verify the accuracy of the reported late payments.","date_sent_to_company":"2023-12-07T07:05:41.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"93560","tags":null,"has_narrative":true,"complaint_id":"7963175","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-07T06:59:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am appalled by the prolonged and seemingly ineffective <em>resolution</em> <em>process</em> regarding my <em>dispute</em>. It has been years already since I initially raised the issue, and there has been no satisfactory progress or <em>resolution</em>. \nI previously escalated this <em>dispute</em>, as indicated in my earlier communications with your bureau. However, the length of time without any <em>resolution</em> is unacceptable."]},"sort":[15.881051,"7963175"]},{"_index":"complaint-public-v1","_id":"7963056","_score":15.881051,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to express my extreme frustration and disappointment regarding the unresolved dispute of inaccurate late payment accounts on my credit report. Despite my repeated attempts to rectify this matter, the inaccuracies persist, staining my credit report and causing substantial harm to my financial standing. \nAccount Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. \nI am appalled by the prolonged and seemingly ineffective resolution process regarding my dispute. It has been years already since I initially raised the issue, and there has been no satisfactory progress or resolution. \nI previously escalated this dispute, as indicated in my earlier communications with your bureau. However, the length of time without any resolution is unacceptable. I demand an explanation for the extended delay in resolving this matter and an update on the status of the escalated dispute. I question the thoroughness of your bureau 's investigation process and demand a detailed account of the steps taken to verify the accuracy of the reported late payments.","date_sent_to_company":"2023-12-07T07:05:30.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"93560","tags":null,"has_narrative":true,"complaint_id":"7963056","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-07T06:59:06.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am appalled by the prolonged and seemingly ineffective <em>resolution</em> <em>process</em> regarding my <em>dispute</em>. It has been years already since I initially raised the issue, and there has been no satisfactory progress or <em>resolution</em>. \nI previously escalated this <em>dispute</em>, as indicated in my earlier communications with your bureau. However, the length of time without any <em>resolution</em> is unacceptable."]},"sort":[15.881051,"7963056"]},{"_index":"complaint-public-v1","_id":"11739409","_score":15.558444,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Concerns About Zelles Handling of Payment Disputes Dear CFPB, I am writing to express my concerns about the lack of adequate protections and dispute resolution processes for Zelle users. While Zelle is marketed as a safe and convenient payment platform, its current policies leave consumers vulnerable to financial loss in cases of accidental transfers, fraud, or scams. \nIn particular, I am troubled by the following issues : 1. Irreversible Transactions : Zelle payments are processed immediately, with no option to cancel or dispute the transaction after it has been senteven in cases where the payment was made in error or due to deceptive practices.\n\n2. Lack of Purchase Protection : Unlike other payment platforms, Zelle does not offer protections for consumers making payments to individuals or businesses, leaving users exposed to fraud with limited recourse.\n\n3. Insufficient Bank Support : While Zelle advises users to contact their banks for assistance, many banks lack clear or effective processes for handling Zelle-related disputes. This leaves consumers with little to no resolution for their issues.\n\n4. Fraud Vulnerabilities : Scammers frequently exploit Zelles instantaneous transfer system, preying on consumers who mistakenly believe their transactions are protected.\n\nAs Zelle continues to grow in popularity, I believe it is essential for stronger consumer protections to be implemented. These could include : Introducing a cancellation window for pending payments.\n\nOffering a secure resolution process for accidental or fraudulent transactions.\n\nIncreasing transparency about risks and improving fraud prevention measures.\n\nI urge the CFPB to investigate Zelles current policies and advocate for enhanced protections to ensure consumers are not left vulnerable when using this payment platform.\n\nThank you for your attention to this matter. I look forward to any updates or actions regarding these concerns. \nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-23T21:07:45.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"60644","tags":null,"has_narrative":true,"complaint_id":"11739409","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-23T20:48:00.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Concerns About Zelles Handling of <em>Payment</em> <em>Disputes</em> Dear CFPB, I am writing to express my concerns about the lack of adequate protections and <em>dispute</em> <em>resolution</em> <em>processes</em> for Zelle users. While Zelle is marketed as a safe and convenient <em>payment</em> platform, its current policies leave consumers vulnerable to financial loss in cases of accidental transfers, fraud, or scams. \nIn particular, I am troubled by the following issues : 1."]},"sort":[15.558444,"11739409"]},{"_index":"complaint-public-v1","_id":"7962212","_score":15.392174,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to express my extreme frustration and disappointment regarding the unresolved dispute of inaccurate late payment accounts on my credit report. Despite my repeated attempts to rectify this matter, the inaccuracies persist, staining my credit report and causing substantial harm to my financial standing. \nAccount Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. \nXXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. \nXXXX XXXX XXXXXXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. \nI am appalled by the prolonged and seemingly ineffective resolution process regarding my dispute. It has been years already since I initially raised the issue, and there has been no satisfactory progress or resolution. \nI previously escalated this dispute, as indicated in my earlier communications with your bureau. However, the length of time without any resolution is unacceptable. I demand an explanation for the extended delay in resolving this matter and an update on the status of the escalated dispute. I question the thoroughness of your bureau 's investigation process and demand a detailed account of the steps taken to verify the accuracy of the reported late payments.","date_sent_to_company":"2023-12-07T07:05:33.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"93560","tags":null,"has_narrative":true,"complaint_id":"7962212","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-07T06:59:06.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX - Those <em>payments</em> were made on time. I am requesting that the late <em>payment</em> markings be updated to reflect my accurate <em>payment</em> history. \nXXXX XXXX XXXXXXXX XXXX XXXXXXXX - Those <em>payments</em> were made on time. I am requesting that the late <em>payment</em> markings be updated to reflect my accurate <em>payment</em> history. \nI am appalled by the prolonged and seemingly ineffective <em>resolution</em> <em>process</em> regarding my <em>dispute</em>."]},"sort":[15.392174,"7962212"]},{"_index":"complaint-public-v1","_id":"2729487","_score":15.366222,"_source":{"product":"Debt collection","complaint_what_happened":"Payment Resolution Services is attempting to collect a refund for a payment from XXXX that was never sent to me. The payment was for an out of network medical claim that was processed incorrectly. The claim was corrected after multiple appeals found in my favor - but XXXX still processed this incorrectly eight ( 8 ) separate times. I have documentation from XXXX this payment was never sent, the check was never cashed, and I do not owe this amount. I have filed multiple complaints with XXXX to try to resolve this. My company 's XXXX department has tried to resolve this. I have sent a letter to Payment Resolution Services disputing the debt and asking them not to contact me further. I am still receiving letters that I owe {$37.00}. Please note Payment Resolution Services is now sending me a collection letter with a different account number. \n\nI have attached proof of delivery of the debt dispute letter. Continuing to contact me is a violation of the Fair Debt Collection Practices Act.","date_sent_to_company":"2017-11-15T07:12:06.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"22030","tags":null,"has_narrative":true,"complaint_id":"2729487","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Payment Resolution Services","date_received":"2017-11-15T01:32:40.000Z","state":"VA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Payment</em> <em>Resolution</em> Services is attempting to collect a refund for a <em>payment</em> from XXXX that was never sent to me. The <em>payment</em> was for an out of network medical claim that was <em>processed</em> incorrectly. The claim was corrected after multiple appeals found in my favor - but XXXX still <em>processed</em> this incorrectly eight ( 8 ) separate times. I have documentation from XXXX this <em>payment</em> was never sent, the check was never cashed, and I do not owe this amount."],"company":["<em>Payment</em> <em>Resolution</em> Services"]},"sort":[15.366222,"2729487"]},{"_index":"complaint-public-v1","_id":"18984833","_score":15.339751,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint against Citibank , N.A . regarding improper returned payment fees and the banks refusal to formally accept my dispute. \n\nIn XX/XX/year>, I attempted to make XXXX payments toward my Citibank credit card account ( card ending in XXXX ) from XXXX different XXXX XXXX accounts. Both payments were marked as failed. When I contacted Citibank by phone, I was informed that the payments failed due to insufficient funds. I dispute this explanation, as I am certain that both originating bank accounts had sufficient available funds at the time of the payment attempts. I have documentation supporting the availability of funds. \n\nDespite this, Citibank charged me a fee of XXXX XXXX for each failed payment, totaling XXXX  XXXX. I believe these fees are excessive and unjustified, particularly given that the payment amounts were small and that the accounts had sufficient funds. \n\nPayment details : XXXX  XXXX attempted on XX/XX/year> XXXX XXXX attempted on XX/XX/year> Credit card ending in XXXX I attempted to dispute these charges and file a formal complaint with Citibank by phone on XX/XX/year>, and XX/XX/year>. On both occasions, Citibank customer service representatives refused to formally register my complaint or initiate a dispute process. \n\nI believe the payment failures were caused by a technical or interbank processing issue between Citibank and the originating banks. This is outside of my control, and I should not be held financially responsible for such errors. \n\nRequested resolution : Full reversal of the returned payment fees charged to my account. \n\nA formal review of the payment failures considering evidence of sufficient funds. \n\nWritten confirmation of the resolution. \n\nI am submitting this complaint because Citibank has not provided a fair resolution and has refused to properly process my dispute. \n\nThank you for your assistance.","date_sent_to_company":"2026-01-24T21:38:53.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"92701","tags":null,"has_narrative":true,"complaint_id":"18984833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-01-24T20:59:53.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I am submitting this complaint because Citibank has not provided a fair <em>resolution</em> and has refused to properly <em>process</em> my <em>dispute</em>. \n\nThank you for your assistance."],"sub_issue":["Problem during <em>payment</em> <em>process</em>"]},"sort":[15.339751,"18984833"]},{"_index":"complaint-public-v1","_id":"6739198","_score":15.265741,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2023 I noticed a pending charge on my Amex credit card for the amount of {$60.00}. I disputed this charge with American Express as it posted several days later. American Express eventually closed the dispute without resolution. They said the card was used in person with no other details given. The charge was processed through a payment processing company called XXXX, and the name of the company accepting credit is a XXXX company called XXXX XXXX XXXX. \nI re-opened the dispute and have waited another 2 months for a resolution. The last 2 times I called Amex I was on the phone an hour each time, but the reps eventually hung up on me.","date_sent_to_company":"2023-03-23T20:24:08.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94118","tags":null,"has_narrative":true,"complaint_id":"6739198","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-03-23T20:14:40.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I <em>disputed</em> this charge with American Express as it posted several days later. American Express eventually closed the <em>dispute</em> without <em>resolution</em>. They said the card was used in person with no other details given. The charge was <em>processed</em> through a <em>payment</em> <em>processing</em> company called XXXX, and the name of the company accepting credit is a XXXX company called XXXX XXXX XXXX. \nI re-opened the <em>dispute</em> and have waited another 2 months for a <em>resolution</em>."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[15.265741,"6739198"]},{"_index":"complaint-public-v1","_id":"20767364","_score":14.843601,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing this complaint regarding ongoing payment discrepancies with Guild Mortgage that have not been resolved despite multiple attempts to address the issue directly. \n\nEarlier this month, XXXX experienced a payment processing glitch that resulted in multiple payments being withdrawn from my account in error. This appears to be the root cause of the ongoing issues. \n\nOn XX/XX/XXXX, I made a mortgage payment that XXXX later claimed was not received. However, my bank confirmed that this payment was successfully processed and settled. After several unsuccessful attempts to resolve this with XXXX, I was forced to dispute the transaction with my bank. \n\nTo ensure my account remained current, I made an additional payment on XX/XX/XXXX via debit card with a XXXX representative. I received confirmation that this payment was successful. However, approximately XXXX  days later, I was informed that this payment was also returned. \n\nAfter XXXX received notice of the dispute for the XX/XX/XXXX payment, the XX/XX/XXXX payment appears to have been removed or retracted from my account. As a result, XXXX is currently showing that no payment was made for XXXX, despite XXXX separate payments being processed on my banks end. \n\nMy bank has opened investigations into both transactions and confirmed that XXXX  payments were successfully processed. I continue to receive inconsistent and conflicting information from XXXX each time I contact them, and no resolution has been provided. \n\nThis situation is causing significant stress and concern. Most importantly, I do not want this issuecaused by payment processing errorsto result in a XXXX late mark on my account, as I have made multiple good-faith attempts to pay on time. \n\nDesired Resolution : A full investigation and correction of my account Proper credit for the XXXX payment A clear explanation of what occurred with both transactions Written confirmation that my account will not be reported as late to any credit bureaus I am requesting prompt resolution","date_sent_to_company":"2026-03-30T11:34:09.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"32218","tags":"Servicemember","has_narrative":true,"complaint_id":"20767364","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Guild Holdings Company","date_received":"2026-03-30T11:24:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["After XXXX received notice of the <em>dispute</em> for the XX/XX/XXXX <em>payment</em>, the XX/XX/XXXX <em>payment</em> appears to have been removed or retracted from my account. As a result, XXXX is currently showing that no <em>payment</em> was made for XXXX, despite XXXX separate <em>payments</em> being <em>processed</em> on my banks end. \n\nMy bank has opened investigations into both transactions and confirmed that XXXX  <em>payments</em> were successfully <em>processed</em>."],"issue":["Trouble during <em>payment</em> <em>process</em>"],"sub_issue":["<em>Payment</em> <em>process</em>"]},"sort":[14.843601,"20767364"]},{"_index":"complaint-public-v1","_id":"4629485","_score":14.747572,"_source":{"product":"Mortgage","complaint_what_happened":"We closed on our new house on XX/XX/2021. The Chase mortgage loan first payment was due XX/XX/XXXX. The principal and interest amount due was approximately {$3700.00}. Chase had previously told me to make 1st payment before re-casting the loan amount with proceeds from the sale of our previous house. \n\nI made the XX/XX/XXXX payment and then requested a loan re-cast on XX/XX/XXXX. I made an additional principal payment from my Chase checking account of {$400000.00} that was processed by Chase Mortgage on XX/XX/XXXX. \n\nI was told my new estimated monthly principal and interest payment would be approximately {$2000.00}. \n\nHowever, I was told that this new payment would not be effective for my XXXX payment, but begin with my XXXX payment. \n\nrequested that the new payment amount would start with XXXX since my loan principal was reduced on XX/XX/XXXX. I made this request to avoid additional interest payment of {$3700.00} minus {$2000.00} or {$1700.00} in the month of XXXX. \n\nMy request was rejected on Thursday, XX/XX/2021 and I requested dispute resolution. In the process of dispute resolution I was told at XXXX CST that the appropriate manager was not available until today Friday, XX/XX/XXXX, and that I would be called to resolve the dispute. \n\nI was not contacted today and believe XXXX does not want to treat me fairly. They processed my additional principal payment on the same day I made the transaction, but state that they can not process the loan recast transaction in time to be effective in XXXX XXXX 18 days from today? ) I request help in avoiding an unfair additional interest payment of {$1700.00} in XXXX.","date_sent_to_company":"2021-08-13T22:03:20.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"37075","tags":null,"has_narrative":true,"complaint_id":"4629485","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-08-13T21:52:56.000Z","state":"TN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My request was rejected on Thursday, XX/XX/2021 and I requested <em>dispute</em> <em>resolution</em>. In the <em>process</em> of <em>dispute</em> <em>resolution</em> I was told at XXXX CST that the appropriate manager was not available until today Friday, XX/XX/XXXX, and that I would be called to resolve the <em>dispute</em>. \n\nI was not contacted today and believe XXXX does not want to treat me fairly."]},"sort":[14.747572,"4629485"]},{"_index":"complaint-public-v1","_id":"21067743","_score":14.734476,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am submitting this complaint regarding Lightspeed XXXX and its handling of disputed payment transactions affecting my business ( XXXX XXXX XXXX ). \n\nMultiple customer transactions were processed legitimately and supported by full documentation, including authorization and proof of service. However, these transactions were later classified as fraudulent and reversed by Lightspeed without a proper or transparent investigation. \n\nDespite submitting all requested evidence, Lightspeed failed to provide justification for their decision or to protect my business from what appears to be abusive or fraudulent chargeback claims initiated by customers. \n\nThe lack of due process and transparency in handling these disputes has resulted in financial harm to my business. Furthermore, the platform appears to lack adequate safeguards to protect merchants from fraudulent claims. \n\nA support case ( XXXX XXXXXXXX ) was opened, but no satisfactory resolution has been provided. \n\nI am requesting : * A formal investigation into these chargebacks * Reversal of improperly refunded transactions * Clarification of Lightspeeds dispute resolution procedures This issue raises serious concerns about consumer financial protections and fair treatment of merchants within payment processing systems.","date_sent_to_company":"2026-04-08T21:16:34.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"33181","tags":null,"has_narrative":true,"complaint_id":"21067743","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Lightspeed Mortgage, Inc.","date_received":"2026-04-08T21:04:46.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting : * A formal investigation into these chargebacks * Reversal of improperly refunded transactions * Clarification of Lightspeeds <em>dispute</em> <em>resolution</em> procedures This issue raises serious concerns about consumer financial protections and fair treatment of merchants within <em>payment</em> <em>processing</em> systems."]},"sort":[14.734476,"21067743"]},{"_index":"complaint-public-v1","_id":"3837785","_score":14.674408,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Dispute for transaction dated XX/XX/XXXX ; dispute involving services from vendor for cleaning/maintenance of unique luxury leather products ( 3 ). Services were disputed with merchant without resolution. \nPayment for contracted services was made when items were phoned to be completed. Upon pickup, and inspection, some items ( 2 ) needed re-service, and was paid in full at that time. \nUpon pickup for re-service, inspection found additional damages made to the items. Only resolution offered were additional re-service, which was declined due to damage from previous re-service. Requested refund ; merchant denied. \n\nTimely filed a claim with credit card company XXXX XX/XX/XXXX XXXX used to pay for services. Credit card company \" lost record '' of initial claim. New claim was created ( XX/XX/XXXX ). Dispute went back and forth for Months, with \" dispute resolution denied '' supposedly due to incomplete information provided in untimely manner. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). \nThis 'late ' information describing the dispute in question was found by the dispute resolution team to have been timely, and the dispute went around again. This same instance of 'late presentation of dispute information ' occurred as error with the credit card company twice, delaying the ultimate resolution of the dispute, as processing takes up to 45 days. \nAs of today XX/XX/XXXX, the credit card dispute resolution team states that they \" can not verify the services in question '' although all information requested had been provided timely, and coupled with the delays in processing of the transaction being from XXXX, they ultimately denied the claim. \nIn our opinion, we maintain that the credit card dispute resolution service that is a integral part of our credit card service, and our stated issues with goods and services purchased with our credit card which should be handled by said credit card dispute resolution team, thoroughly failed in their duty to uphold their promises to protect our interest in accepting services contracted for. \nBank of America Mastercard Preferred Member","date_sent_to_company":"2020-09-09T21:07:12.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"3837785","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-09-09T20:40:30.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This same instance of 'late presentation of <em>dispute</em> information ' occurred as error with the credit card company twice, delaying the ultimate <em>resolution</em> of the <em>dispute</em>, as <em>processing</em> takes up to 45 days."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[14.674408,"3837785"]},{"_index":"complaint-public-v1","_id":"4374836","_score":14.55868,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I filed two legitimate disputes ( see attached ) the creditor failed to process, receIved from me full documentary evidence in support of my disputes, repeatedly lied to me about disputes processing and literally delayed timely action as needed for the chargeback. I sent few letters complaining for their failure to dispute two transactions detailed in my letters, however the creditor lacked to respond and spinned me in a runaround. In addition to it, I reached out to the creditor during COVID-19 pandemic, asking for taking my payments and to avoid bad credit reporting in compliance with CARES Act. Creditor did not follow the law, acted very unrpofessional, violated my rights as a consumer.As a borrower/card holder, I establsihed a very good, stable and timely payment history with the creditor for the last few years. Please review the attached records related to my recent communication and attached statements of disputed transactions. I am seeking your kind assistance in bringing this matter to full and satisfactory resolution, since I have troubles in communicating with Capital One corporate office liars. My goal is to keep my account active without delinquences, get all late fees and bad credit reporting reversed/updated and resolution of my two previous disputes filed on time.","date_sent_to_company":"2021-05-13T19:35:46.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"91324","tags":null,"has_narrative":true,"complaint_id":"4374836","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-05-13T19:07:46.000Z","state":"CA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I filed two legitimate <em>disputes</em> ( see attached ) the creditor failed to <em>process</em>, receIved from me full documentary evidence in support of my <em>disputes</em>, repeatedly lied to me about <em>disputes</em> <em>processing</em> and literally delayed timely action as needed for the chargeback. I sent few letters complaining for their failure to <em>dispute</em> two transactions detailed in my letters, however the creditor lacked to respond and spinned me in a runaround."]},"sort":[14.55868,"4374836"]},{"_index":"complaint-public-v1","_id":"4358997","_score":14.456122,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"National Small Loan charged me a payment that was outside of the agreed upon payment schedule. Payment of XXXX was suppose to be deducted on XX/XX/XXXX. The payment was processed on XX/XX/XXXX when funds for it were not in my account. I contacted them to dispute it and I am getting run around and no resolution. This unauthorized transaction overdrew my account and was un fixable.","date_sent_to_company":"2021-05-07T15:50:30.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"44221","tags":null,"has_narrative":true,"complaint_id":"4358997","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LDF Holdings, LLC","date_received":"2021-05-07T15:42:42.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["National Small Loan charged me a <em>payment</em> that was outside of the agreed upon <em>payment</em> schedule. <em>Payment</em> of XXXX was suppose to be deducted on XX/XX/XXXX. The <em>payment</em> was <em>processed</em> on XX/XX/XXXX when funds for it were not in my account. I contacted them to <em>dispute</em> it and I am getting run around and no <em>resolution</em>. This unauthorized transaction overdrew my account and was un fixable."]},"sort":[14.456122,"4358997"]},{"_index":"complaint-public-v1","_id":"10874163","_score":14.33287,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Complaint Regarding Squares Mishandling of Payment Dispute Business Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Summary of the Complaint I am filing this complaint against Square , Inc. for mishandling a payment dispute, resulting in financial harm to my small business. Squares dispute resolution process failed to provide a fair opportunity for me to present evidence of a refund, and its practices may violate federal laws, including the Electronic Fund Transfer Act ( EFTA ), the Fair Credit Billing Act ( FCBA ), and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions under the Dodd-Frank Act. \n\nDetailed Description of the Issue XXXX. Background Service Provided : Tree removal services contracted by the client, XXXX XXXX, for a property located on XXXX XXXX. Payment Processed : On XX/XX/year>, the client paid {$1000.00} via Square using a credit card linked to my XXXX business account. Refund Issued : Due to the clients refusal to secure required equipment, the job could not be completed. I refunded {$1000.00} ( the total received after Squares {$31.00} transaction fee ) directly through XXXX. \n\nXXXX. The Dispute On XX/XX/year>, the client disputed the full {$1000.00} payment with their bank, claiming services were not rendered. Despite having already refunded {$1000.00}, Square processed the dispute and deducted the full {$1000.00} from my account. I reached out to Square for guidance on submitting evidence of the refund. However, Square delayed their response, and by the time they replied, the deadline to submit documentation had passed. Square notified me on XX/XX/year>, that no further evidence could be submitted, resulting in the client receiving a duplicate refund of {$1000.00}. Applicable Laws and Violations 1. Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693 et seq. Square failed to ensure a fair and transparent process for resolving disputes as required under the EFTA. Their delayed communication and lack of procedural safeguards denied me the ability to present evidence of the refund. 2. Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 et seq. Square did not meet the FCBAs standards for investigating and resolving disputes fairly. The deduction of {$1000.00} from my account, despite evidence of a prior refund, demonstrates a failure to comply with the FCBA.\n\n3. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Squares actions are unfair under UDAAP provisions of the Dodd-Frank Act because their failure to account for my refund resulted in financial harm. Squares delayed response and rigid dispute process deprived me of my rights to a fair resolution. \n\n4. Breach of Good Faith and Fair Dealing As a payment processor, Square has an obligation to act in good faith. Their refusal to allow me to submit evidence of the refund breached this duty and caused financial harm to my business.\n\nSupporting Evidence Provided 1. Communication logs with the client, confirming their acknowledgment of the {$1000.00} refund. \nXXXX. Refund transaction record showing the refund issued through XXXX. \nXXXX. Squares notification of the dispute and subsequent communication denying evidence submission due to missed deadlines caused by their delay. \nXXXX. Documentation of Squares processing fees and dispute resolution policies.","date_sent_to_company":"2024-11-18T16:30:04.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"31204","tags":null,"has_narrative":true,"complaint_id":"10874163","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-11-18T16:08:08.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Squares notification of the <em>dispute</em> and subsequent communication denying evidence submission due to missed deadlines caused by their delay. \nXXXX. Documentation of Squares <em>processing</em> fees and <em>dispute</em> <em>resolution</em> policies."]},"sort":[14.33287,"10874163"]},{"_index":"complaint-public-v1","_id":"9523482","_score":14.31678,"_source":{"product":"Credit card","complaint_what_happened":"Dear PayPal, I am writing to address the recent dispute resolution process regarding my experience with XXXX. Unfortunately, due to their inappropriate conduct, a letter was sent by my Mayor to the State Judge in California concerning this matter. In light of this, XXXX has provided a full refund in their correspondence, which I have attached for your reference. \n\nI am disappointed, not only with the outcome of your resolution process, but also with the overall handling of this situation, which has led me and others to question the financial protection offered to your customers. \n\nI kindly request that you process my refund and reverse the payment to my XXXX XXXX account linked to my profile. Given the circumstances and the lack of fair resolution, I have decided that I will not be using your services in the future. \n\nThank you for your attention to this matter.","date_sent_to_company":"2024-07-16T04:41:07.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"07106","tags":null,"has_narrative":true,"complaint_id":"9523482","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-07-16T04:30:14.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I am disappointed, not only with the outcome of your <em>resolution</em> <em>process</em>, but also with the overall handling of this situation, which has led me and others to question the financial protection offered to your customers. \n\nI kindly request that you <em>process</em> my refund and reverse the <em>payment</em> to my XXXX XXXX account linked to my profile. Given the circumstances and the lack of fair <em>resolution</em>, I have decided that I will not be using your services in the future."]},"sort":[14.31678,"9523482"]},{"_index":"complaint-public-v1","_id":"11866259","_score":14.259356,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian Dispute Resolution for failing to ensure accurate reporting of late payments on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My dispute concerns XXXX inaccurately reported late payments on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nDetails of the Issue Inaccurate Late Payments : The late payment entries reported by Experian for the months mentioned above are incorrect. These entries are negatively affecting my credit score and financial opportunities.\n\nViolation of FCRA Requirements : Under FCRA 1681i, Experian is required to conduct a reasonable investigation of disputed information. However, Experian has failed to : Provide proper verification or documentation to support these reported late payments. \nConduct a reasonable reinvestigation of the disputed information.\n\nForward all relevant documentation I submitted to the furnisher of the information.\n\nCFPB Lawsuit Against Experian : The recent CFPB lawsuit against Experian highlighted systemic failures in their dispute process, including over-reliance on furnishers ' responses and failure to provide consumers with clear, accurate reinvestigation results. My case is yet another example of Experians disregard for consumer rights and FCRA compliance. \nConclusion Experians failure to comply with FCRA standards and their inadequate dispute resolution process has caused undue harm to my credit profile. I respectfully request that the CFPB take action to ensure Experian corrects these errors and implements proper compliance measures to prevent future violations. \n\nThank you for your attention to this matter. I am available to provide further information or documentation upon request.","date_sent_to_company":"2025-01-31T04:59:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"011XX","tags":null,"has_narrative":true,"complaint_id":"11866259","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-31T04:37:54.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing this complaint against Experian <em>Dispute</em> <em>Resolution</em> for failing to ensure accurate reporting of late <em>payments</em> on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My <em>dispute</em> concerns XXXX inaccurately reported late <em>payments</em> on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nDetails of the Issue Inaccurate Late <em>Payments</em> : The late <em>payment</em> entries reported by Experian for the months mentioned above are incorrect."]},"sort":[14.259356,"11866259"]},{"_index":"complaint-public-v1","_id":"8371821","_score":14.235341,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute and address a significant discrepancy in the credit reporting about my account, specifically XXXX in the first screenshot. This matter has arisen about a reported 60-day late payment on the aforementioned account, a claim that I maintain is not reflective of the accurate and timely payment history associated with this account. \n\nI have diligently followed the established protocol for addressing such discrepancies by submitting all requisite documentation, which unequivocally demonstrates the timely nature of my payments. It is crucial to emphasize that the reported late payment was a result of internal processing challenges encountered by XXXX, the creditor associated with the account, rather than any failure on my part to fulfill my financial obligations. \n\nUpon a thorough review of my dispute, XXXX has responded with a resolution that, regrettably, falls short of rectifying the issue at hand. Instead of acknowledging the accuracy of my payment history, XXXX has unilaterally opted to modify the reported late payment to 30 days, thereby failing to fully address the veracity of the situation. \n\nThis resolution is demonstrably inaccurate, as XXXX successfully rectified its internal processing issues on XX/XX/XXXX, which is subsequent to the erroneous 60-day late payment flag raised on XX/XX/XXXX. Consequently, the arbitrary adjustment to a 30-day late payment resolution lacks merit and fails to accurately represent the timeline of events. \n\nIn light of the foregoing, I formally request that XXXX conducts a comprehensive and impartial review of the evidence provided, rectifying the reporting on my credit account to accurately reflect the fact that I was not late in making payments. Furthermore, I request the removal of any derogatory information associated with the purported 30-day late payment resolution. \n\nI have sought counter evidence from XXXX and its affiliated entities to substantiate the resolution they have chosen, but regrettably, such evidence has not been forthcoming. As a consumer, I place great reliance on the integrity of credit reporting agencies in accurately representing consumer information, and I expect that due diligence will be exercised in reviewing and resolving disputes of this nature. \n\nEnclosed with this correspondence are comprehensive screenshots and documentation from XX/XX/year>, providing irrefutable evidence of my adherence to the agreed-upon payment schedule. These records must be meticulously examined, and if no contrary evidence can be produced, I insist that the payments be updated to \" paid as agreed '' and reflected by the accurate and timely payment history that characterizes my financial profile. \n\nI anticipate your prompt attention to this matter and the expeditious resolution of this dispute by the applicable laws and regulations governing credit reporting. Failure to do so will necessitate further legal action to protect my rights as a consumer. \n\nThank you for your attention to this serious matter.","date_sent_to_company":"2024-02-19T19:41:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11101","tags":null,"has_narrative":true,"complaint_id":"8371821","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-19T19:41:24.000Z","state":"NY","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":["This <em>resolution</em> is demonstrably inaccurate, as XXXX successfully rectified its internal <em>processing</em> issues on XX/XX/XXXX, which is subsequent to the erroneous 60-day late <em>payment</em> flag raised on XX/XX/XXXX. Consequently, the arbitrary adjustment to a 30-day late <em>payment</em> <em>resolution</em> lacks merit and fails to accurately represent the timeline of events."]},"sort":[14.235341,"8371821"]},{"_index":"complaint-public-v1","_id":"8372750","_score":14.232612,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute and address a significant discrepancy in the credit reporting about my account, specifically XXXX in the first screenshot. This matter has arisen about a reported 60-day late payment on the aforementioned account, a claim that I maintain is not reflective of the accurate and timely payment history associated with this account. \n\nI have diligently followed the established protocol for addressing such discrepancies by submitting all requisite documentation, which unequivocally demonstrates the timely nature of my payments. It is crucial to emphasize that the reported late payment was a result of internal processing challenges encountered by XXXX, the creditor associated with the account, rather than any failure on my part to fulfill my financial obligations. \n\nUpon a thorough review of my dispute, XXXX has responded with a resolution that, regrettably, falls short of rectifying the issue at hand. Instead of acknowledging the accuracy of my payment history, XXXX has unilaterally opted to modify the reported late payment to 30 days, thereby failing to fully address the veracity of the situation. \n\nThis resolution is demonstrably inaccurate, as XXXX successfully rectified its internal processing issues on XX/XX/XXXX, which is subsequent to the erroneous 60-day late payment flag raised on XX/XX/XXXX. Consequently, the arbitrary adjustment to a 30-day late payment resolution lacks merit and fails to accurately represent the timeline of events. \n\nIn light of the foregoing, I formally request that XXXX conducts a comprehensive and impartial review of the evidence provided, rectifying the reporting on my credit account to accurately reflect the fact that I was not late in making payments. Furthermore, I request the removal of any derogatory information associated with the purported 30-day late payment resolution. \n\nI have sought counter evidence from XXXX and its affiliated entities to substantiate the resolution they have chosen, but regrettably, such evidence has not been forthcoming. As a consumer, I place great reliance on the integrity of credit reporting agencies in accurately representing consumer information, and I expect that due diligence will be exercised in reviewing and resolving disputes of this nature. \n\nEnclosed with this correspondence are comprehensive screenshots and documentation from XX/XX/year>, providing irrefutable evidence of my adherence to the agreed-upon payment schedule. These records must be meticulously examined, and if no contrary evidence can be produced, I insist that the payments be updated to \" paid as agreed '' and reflected by the accurate and timely payment history that characterizes my financial profile. \n\nI anticipate your prompt attention to this matter and the expeditious resolution of this dispute by the applicable laws and regulations governing credit reporting. Failure to do so will necessitate further legal action to protect my rights as a consumer. \n\nThank you for your attention to this serious matter.","date_sent_to_company":"2024-02-19T19:41:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11101","tags":null,"has_narrative":true,"complaint_id":"8372750","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-19T19:41:24.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>resolution</em> is demonstrably inaccurate, as XXXX successfully rectified its internal <em>processing</em> issues on XX/XX/XXXX, which is subsequent to the erroneous 60-day late <em>payment</em> flag raised on XX/XX/XXXX. Consequently, the arbitrary adjustment to a 30-day late <em>payment</em> <em>resolution</em> lacks merit and fails to accurately represent the timeline of events."]},"sort":[14.232612,"8372750"]},{"_index":"complaint-public-v1","_id":"8373660","_score":14.230236,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute and address a significant discrepancy in the credit reporting about my account, specifically XXXX in the first screenshot. This matter has arisen about a reported 60-day late payment on the aforementioned account, a claim that I maintain is not reflective of the accurate and timely payment history associated with this account. \n\nI have diligently followed the established protocol for addressing such discrepancies by submitting all requisite documentation, which unequivocally demonstrates the timely nature of my payments. It is crucial to emphasize that the reported late payment was a result of internal processing challenges encountered by XXXX, the creditor associated with the account, rather than any failure on my part to fulfill my financial obligations. \n\nUpon a thorough review of my dispute, Experian has responded with a resolution that, regrettably, falls short of rectifying the issue at hand. Instead of acknowledging the accuracy of my payment history, Experian has unilaterally opted to modify the reported late payment to 30 days, thereby failing to fully address the veracity of the situation. \n\nThis resolution is demonstrably inaccurate, as XXXX successfully rectified its internal processing issues on XX/XX/XXXX, which is subsequent to the erroneous 60-day late payment flag raised on XX/XX/XXXX. Consequently, the arbitrary adjustment to a 30-day late payment resolution lacks merit and fails to accurately represent the timeline of events. \n\nIn light of the foregoing, I formally request that Experian conducts a comprehensive and impartial review of the evidence provided, rectifying the reporting on my credit account to accurately reflect the fact that I was not late in making payments. Furthermore, I request the removal of any derogatory information associated with the purported 30-day late payment resolution. \n\nI have sought counter evidence from Experian and its affiliated entities to substantiate the resolution they have chosen, but regrettably, such evidence has not been forthcoming. As a consumer, I place great reliance on the integrity of credit reporting agencies in accurately representing consumer information, and I expect that due diligence will be exercised in reviewing and resolving disputes of this nature. \n\nEnclosed with this correspondence are comprehensive screenshots and documentation from XX/XX/2023, providing irrefutable evidence of my adherence to the agreed-upon payment schedule. These records must be meticulously examined, and if no contrary evidence can be produced, I insist that the payments be updated to \" paid as agreed '' and reflected by the accurate and timely payment history that characterizes my financial profile. \n\nI anticipate your prompt attention to this matter and the expeditious resolution of this dispute by the applicable laws and regulations governing credit reporting. Failure to do so will necessitate further legal action to protect my rights as a consumer. \n\nThank you for your attention to this serious matter.","date_sent_to_company":"2024-02-19T19:41:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11101","tags":null,"has_narrative":true,"complaint_id":"8373660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-19T18:19:14.000Z","state":"NY","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":["This <em>resolution</em> is demonstrably inaccurate, as XXXX successfully rectified its internal <em>processing</em> issues on XX/XX/XXXX, which is subsequent to the erroneous 60-day late <em>payment</em> flag raised on XX/XX/XXXX. Consequently, the arbitrary adjustment to a 30-day late <em>payment</em> <em>resolution</em> lacks merit and fails to accurately represent the timeline of events."]},"sort":[14.230236,"8373660"]},{"_index":"complaint-public-v1","_id":"9041849","_score":14.220573,"_source":{"product":"Credit card","complaint_what_happened":"To Whom It May Concern, I am writing to formally lodge a complaint against Goldman Sachs regarding the handling of a disputed charge on my Apple Card. The details of my dispute are as follows : Dispute Case Number : XXXX Transaction Date : XX/XX/year> Merchant Name : XXXX XXXX Disputed Amount : {$110.00} Amount to be Re-billed : {$110.00} I initially disputed this charge due to inaccuracies and issues related to the transaction with XXXX  XXXX. Despite my efforts to resolve the matter through the appropriate channels, Goldman Sachs has determined the dispute to be invalid and has re-billed the disputed amount of {$110.00} to my account. \n\nMy primary concern is that Goldman Sachs has not refunded the merchant for the disputed amount, which raises serious questions about the integrity of their dispute resolution process. This action appears to be an attempt to collect payment from me without rectifying the transaction with the merchant, which I believe constitutes an act of misappropriation. \n\nGiven the gravity of this situation, I am seeking immediate intervention from the XXXX XXXX XXXX XXXX XXXX XXXX to address the following issues : 1. A thorough investigation into the handling of my dispute by Goldman Sachs.\n\n2. Confirmation that the disputed amount was either refunded to the merchant or a valid resolution was achieved.\n\n3. A clear explanation and documentation of the reasons for deeming my dispute invalid.\n\n4. Reimbursement of the disputed amount if Goldman Sachs is found to have mishandled the case. \n\nThis situation has caused me significant distress and inconvenience. I trust that the XXXX  will ensure a fair and transparent resolution process. Please find all necessary documentation and correspondence related to this dispute attached for your reference. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX","date_sent_to_company":"2024-05-18T23:56:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78626","tags":null,"has_narrative":true,"complaint_id":"9041849","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-05-18T23:54:28.000Z","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":["Confirmation that the <em>disputed</em> amount was either refunded to the merchant or a valid <em>resolution</em> was achieved.\n\n3. A clear explanation and documentation of the reasons for deeming my <em>dispute</em> invalid.\n\n4. Reimbursement of the <em>disputed</em> amount if Goldman Sachs is found to have mishandled the case. \n\nThis situation has caused me significant distress and inconvenience. I trust that the XXXX  will ensure a fair and transparent <em>resolution</em> <em>process</em>."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[14.220573,"9041849"]},{"_index":"complaint-public-v1","_id":"15993386","_score":14.17474,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint against Cash App regarding a {$60.00} payment I made on XX/XX/year> to $ XXXX. The recipient can not access this account, meaning the payment failed its intended purpose. \n\nCash App reviewed my dispute and denied it twice, stating that the payment was authorized. However, the problem is not fraud it is that Cash App is holding funds in an account that is inaccessible to the recipient and refusing to reverse or return them. \n\n\nThis case highlights a failure in Cash Apps dispute resolution process, leaving me without a remedy and my funds effectively trapped.","date_sent_to_company":"2025-09-17T20:42:10.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"10024","tags":null,"has_narrative":true,"complaint_id":"15993386","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-09-17T20:36:20.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This case highlights a failure in Cash Apps <em>dispute</em> <em>resolution</em> <em>process</em>, leaving me without a remedy and my funds effectively trapped."]},"sort":[14.17474,"15993386"]},{"_index":"complaint-public-v1","_id":"3059890","_score":14.143342,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My name is XXXX XXXX and I am the owner of XXXX XXXX XXXX XXXX. I process AMEX cards for my business. I have a customer that made two separate payments to XXXX XXXX XXXX XXXX for {$14000.00} on XX/XX/18 and XX/XX/18 for {$4700.00}. The customers requested a refund from AMEX for the {$4700.00} which XXXX XXXX XXXX disputed with a signed copy of the sales proposal and other information and AMEX denied XXXX XXXX XXXX rebuttal. AMEX then processed a chargeback for the {$14000.00} prior to our ability to dispute. The 2nd dispute was processed even though the notification states the customer can not request a dispute for items older then 120 days old. I have called AMEX nearly every day and never been able to speak to anyone other then their processing with XXXX. Several XXXX staff members and even a supervisor have stated that with our signed contract and information provided that the chargebacks should be reversed. I can provide all documentation needed. My best contact at XXXX is XXXX in Dispute Resolutions. Knowing that AMEX processors agree with our documentation, we put a stop payment on AMEX withdrawing the {$14000.00} from our XXXX XXXX   account. AMEX has now decided to hold all future payments processed through them until they recover this {$14000.00}. This is fraud by their customers XXXX and XXXX XXXX as they have all of the equipment and received service that is not refundable and signed our contract with all equipment. The contract proposal that was received by their customers had direct detailed descriptions and links to the customer products received and installed in the XXXX home.","date_sent_to_company":"2018-10-29T22:15:50.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"3059890","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2018-10-29T22:08:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["My best contact at XXXX is XXXX in <em>Dispute</em> <em>Resolutions</em>. Knowing that AMEX <em>processors</em> agree with our documentation, we put a stop <em>payment</em> on AMEX withdrawing the {$14000.00} from our XXXX XXXX   account. AMEX has now decided to hold all future <em>payments</em> <em>processed</em> through them until they recover this {$14000.00}. This is fraud by their customers XXXX and XXXX XXXX as they have all of the equipment and received service that is not refundable and signed our contract with all equipment."]},"sort":[14.143342,"3059890"]},{"_index":"complaint-public-v1","_id":"12161591","_score":14.138471,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am filing a consumer complaint against online payment processor, Klarna, for not properly acknowledging or hearing my dispute resolution case regarding my transaction with XXXX XXXX, on XX/XX/year>. \n\nPlease see attachment titled, Consumer Complaint Re Klarna, for the full complaint.","date_sent_to_company":"2025-02-22T01:15:14.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12161591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Klarna AB","date_received":"2025-02-21T23:12:46.000Z","state":"NV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am filing a consumer complaint against online <em>payment</em> <em>processor</em>, Klarna, for not properly acknowledging or hearing my <em>dispute</em> <em>resolution</em> case regarding my transaction with XXXX XXXX, on XX/XX/year>. \n\nPlease see attachment titled, Consumer Complaint Re Klarna, for the full complaint."]},"sort":[14.138471,"12161591"]},{"_index":"complaint-public-v1","_id":"11548323","_score":14.1378565,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to formally articulate my concerns about Zelle 's management of disputes, particularly in light of the recent lawsuit from the Consumer Financial Protection Bureau ( CFPB ). This legal action has illuminated significant issues within the platform : raising questions about its efficacy and the measures for consumer protection. Zelles swift rise as a favored payment method has not been matched by sufficient safeguards to shield users from fraud and unauthorized transactions. The CFPB lawsuit underscores systemic failures in Zelle 's dispute resolution process, which often leaves consumers vulnerable. Users frequently encounter difficulties in securing refunds or resolving disputes efficiently ; this suggests a lack of accountability from the financial institutions that partner with Zelle. Such deficiencies undermine consumer trust and raise ethical concerns regarding the platform 's operational practices. However, addressing these issues is crucial for restoring confidence in digital payment systems. Furthermore, the lack of effective mechanisms ( for addressing fraudulent transactions ) exacerbates these issues. As digital payment platforms become more and more ubiquitous, it is crucial that they prioritize user security ; this includes implementing clear processes for dispute resolution. The CFPBs findings should act as a catalyst for reform within Zelle, although some may argue that change is slow. Consumer protections must be enhanced, because restoring confidence among its users is essential. I would like for the CFPB to publish this statement as well.","date_sent_to_company":"2025-01-15T10:29:02.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"27604","tags":null,"has_narrative":true,"complaint_id":"11548323","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-15T10:12:08.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["However, addressing these issues is crucial for restoring confidence in digital <em>payment</em> systems. Furthermore, the lack of effective mechanisms ( for addressing fraudulent transactions ) exacerbates these issues. As digital <em>payment</em> platforms become more and more ubiquitous, it is crucial that they prioritize user security ; this includes implementing clear <em>processes</em> for <em>dispute</em> <em>resolution</em>."]},"sort":[14.1378565,"11548323"]},{"_index":"complaint-public-v1","_id":"3083825","_score":14.124636,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XX/XX/2018 I submitted a bill payment using America Express Serve in the amount of XXXX. XX/XX/2018 it was to be delivered. All went well until, XXXX XXXX XXXX advised to send a money order or pay in cash. They sent/mailed the check back to me. I got it and on XX/XX/2018 I filed a dispute with AMEX serve. 36 reps later, 5 migraines, and I still do not have my {$120.00}. I checked with the payment processing center number on the check they wrote and they couldn't do much to help me but they did say the stop payment was completed on their end. I have to pay my loan with those funds and they are holding them. here is a breakdown of the timeline of me calling : XX/XX/2018 Transaction was made XX/XX/2018 was the date it would be delivered to the merchant XX/XX/2018 the original dispute was requested XX/XX/2018-was told next follow up will be the XXXX XXXX I was told that i would be followed up with the same day. An email was sent to the back office and they responded saying I will be notified when credit is made to the account XXXXanother follow up was sent to the back office and yet no reply XX/XX/2018 advised dispute in process and that i will be notified once an update/advised 10 business days and still no resolution XXXX this is still in process and customer will be notified when the credit is placed on their account still no resolution XXXX Management above back-office would be emailed, today technically is the 10th day. so story changed again still no resolution So what it boils down to is that the back-office still did not provide any response but that \" This is still in progress '' and we will notify the customer when it is completed 36 calls were made with no resolution at all. \nI have also written their feedback site, along with tried attorneys and I am not getting any help. Can you guys give me some hope??","date_sent_to_company":"2018-11-27T08:15:56.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"30092","tags":null,"has_narrative":true,"complaint_id":"3083825","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2018-11-27T03:03:55.000Z","state":"GA","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["I checked with the <em>payment</em> <em>processing</em> center number on the check they wrote and they couldn't do much to help me but they did say the stop <em>payment</em> was completed on their end."],"sub_issue":["Card company isn't resolving a <em>dispute</em> about a purchase or 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