{"took":170,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":165,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6012924","_score":18.643373,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have a XXXX XXXX Visa Card. Originally, this card was serviced by Comenity bank. However, in early 2022 this card transitioned to XXXX XXXX. I was not aware that this occured, so I continued to send my payments through to the account that I had setup foXXXX XXXX with XXXX XXXX XXXXXXXX. For a while, Comenity sent the payments to XXXX XXXX and they were applied to the Visa balance. However in about XXXX of this year Comentiy stopped forwarding the payments to XXXX XXXX. When I finally realized that my payments were not being applied to the Visa account, Comenity had {$5200.00} in unapplied payments. I have called them more than a dozen times since XXXX and have sent 4 letters. I am not getting anywhere with this issue. I have a copy of payments that were posted on my bank account and I can show that no corresponding payments were made to the Visa account. Comenity has been so unresponsive. First they tell me to go through XXXX XXXX XXXXXXXX to dispute and then when XXXX XXXX XXXXXXXX disputes they tell XXXX XXXX XXXXXXXX they will not discuss a customers account with a third party. \n\nAttached you will find payments that have processed to XXXX but not posted to the credit card. And you will also see the credit card payment history for the same dates. As you will see from the recon file, these payments do not appear in the payment history. \n\nKindly assist me in getting a refund for this overpayment.","date_sent_to_company":"2022-09-23T23:47:38.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"30327","tags":"Servicemember","has_narrative":true,"complaint_id":"6012924","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2022-09-23T23:05:51.000Z","state":"GA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I have a XXXX XXXX <em>Visa</em> Card. Originally, this card was serviced by Comenity bank. However, in early 2022 this card transitioned to XXXX XXXX. I was not aware that this occured, so I continued to send my payments through to the account that I had setup foXXXX XXXX with XXXX XXXX XXXXXXXX. For a <em>while</em>, Comenity <em>sent</em> the payments to XXXX XXXX and they were applied to the <em>Visa</em> balance. However in about XXXX of this year Comentiy stopped forwarding the payments to XXXX XXXX."]},"sort":[18.643373,"6012924"]},{"_index":"complaint-public-v1","_id":"4907308","_score":17.42913,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I had a dispute sent in with Total Visa XX/XX/2021 and also in XX/XX/2021 while in dispute of billing errors total Visa closed and restricted access to my account this is a violation of 15 USC 1666 ( d ) they can not close or restrict my account while in dispute and 15 USC 1666 ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error- Pursuant to regulations of the Bureau , a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. \n\n\nAnd for correspondening action to this violation 15 USC 1666 ( e ) states- Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.","date_sent_to_company":"2021-11-13T16:15:24.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"705XX","tags":null,"has_narrative":true,"complaint_id":"4907308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Total Card, Inc.","date_received":"2021-11-13T15:58:15.000Z","state":"LA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I had a <em>dispute</em> <em>sent</em> in with Total <em>Visa</em> XX/XX/2021 and <em>also</em> in XX/XX/2021 <em>while</em> in <em>dispute</em> of billing errors total <em>Visa</em> closed and restricted access to my account this is a violation of 15 USC 1666 ( d ) they can not close or restrict my account <em>while</em> in <em>dispute</em> and 15 USC 1666 ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error- Pursuant to regulations of the Bureau , a creditor operating an open end consumer credit plan may not, prior to the sending"]},"sort":[17.42913,"4907308"]},{"_index":"complaint-public-v1","_id":"4341310","_score":17.116386,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have contacted the company over 13 times regarding an issue with a dispute I tried filing with them. I have received an onslaught of various communications all from supervisors. \n\nSeveral months later and my dispute is still not being handled appropriately. \n\nI have successfully disputed these charges with the same merchant with Visa with 4 other banks. This is the ONLY bank that refuses to forward my dispute to Visa. I know I have the proper documentation and proof and that I qualify for Visa dispute code 13.5 Misrepresentation after going through the process with several other institutions and reading the Visa Dispute Code handbook. \n\nBelow is a letter I sent the company regarding my numerous contacts with them : Im writing you all regarding the disputes I submitted for both my husband and I prior to XXXX. During this time Ive spoken to over 8 supervisors in the disputes department regarding my case and my dispute has still NOT been sent to Visa for resolution. \n\nIn XXXX I had called to submit a dispute that was initially filed as fraud despite me telling your team that it was not fraud as I recognized the charges but that I was wanting to file a dispute. Your team then forwarded the fraud investigation to the disputes team later on. \n\nOn XX/XX/XXXX I spoke to XXXX in XXXX XXXX, TX who told me my dispute was in the review stage and that you all were waiting the 30 days for the merchant to respond. She provided me a date of XX/XX/XXXX by which the merchant had to respond. \n\nOn XX/XX/XXXX I spoke to XXXX XXXX who gave me the following case numbers for my husband and Is disputes : XXXX XXXX XXXX also informed me our credit cards had been placed on hold so we no longer be acquiring interest while we await the merchants response. She reiterated what I was told by XXXX on the XXXX which was that we had to give the merchant 30 days to respond from the date the investigation was initiated. I inquired what the day the investigation was initiated for clarification and she provided the day of XX/XX/XXXX that the investigation was initiated. \n\nOn XX/XX/XXXX I spoke to XXXX. I was calling to ensure the merchant still hadnt responded and we were still on track to receive our reversals so long as they dont respond. To my surprise I was informed by her that it hadnt been forwarded to Visa due to lack of information and clarification. I had informed her that I had sent you all over 70 pages of supporting documentation regarding my dispute. \n\nI also had NOT received any notification for both my husband and I that you all wanted or needed any additional information or clarification since I last called in XXXX. She also informed me that my husbands case had been closed even though I received no follow-up communication that you needed anything to continue his dispute. \n\nXXXX then reopened my husbands dispute and walked me through what clarifying information I needed to provide for both my husband and I, which I provided via our member portals while on the phone with her. XXXX then informed me after providing the clarifying information for both my husband and I to wait 2 business days for a temporary credit to be processed to our accounts and that would signal to us that it had been sent off to Visa. \n\nOn XX/XX/XXXX I called as a temporary credit had still not been applied and spoke to XXXX XXXX at XXXX XXXX XXXX who informed me that he was escalating my case and that someone would review it and call me in XXXX XXXX. \n\nOn XX/XX/XXXX I call back as I never received the above call and spoke to XXXX at XXXX XXXX XXXX who to my surprise told me that both my husbands and Is cases had been closed! He told me it was due to the fact that I had no dispute rights after 120 days. \n\nI informed him that this was incorrect as dispute code XXXX of Misrepresentation, which was what my dispute should be disputed as, allows for exceptions to this time frame and has specific verbiage regarding credit and investment services which applies to my situation. \n\nDue to the fact that I had submitted an abundance of documentation showing that there were ongoing communications between me and the merchant regarding this transaction and that communication occurred within the 120 days and continued through XXXX of this year XXXX reopened and resubmitted our disputes. \n\nHe informed me that it could take up to 5 days for an approval update on his submission and that I would receive a temporary credit within that time frame. He, like XXXX, stated that receiving that temporary credit would signal that it was sent off to Visa and that the merchant would have 30 days to respond, just as XXXX and XXXX had informed me back in XXXX. He provided me the following case numbers : XXXX XXXX On XX/XX/XXXX, I still hadnt received the temporary credit and spoke to XXXX at XXXX XXXX who informed me it was submitted for re-review but that the previous representatives who had told me I would receive a temporary credit were incorrect. He also informed me that there was no timeframe he could give me in which I could expect my dispute to be forwarded to Visa. \n\nOn XX/XX/XXXX, I faxed a letter to Chases Executive office, On XX/XX/XXXX around XXXX XXXX XXXX I received a call from XXXX from the Executive Office Team. He told me he would be my advocate regarding this matter and that he was reaching out to the disputes department to get this taken care of. \n\nOn XX/XX/XXXX around XXXX XXXX I received a call from XXXX a supervisor in disputes who told me that both my husband and Is disputes are being reviewed by the offline team and within 15 days from the XXXX ( the XXXX ) I would be receiving a call from the person reviewing my case and never did. \n\nOn XX/XX/XXXX I received notification that my dispute had been closed as the charges were viewed as valid as they were disputed under services not received versus under misrepresentation as I have requested for it to be disputed as from day 1 and as I reiterated to XXXX with the Executive office team on the XXXX. \n\nOn XX/XX/XXXX at XXXX XXXX XXXX I spoke to XXXX who stated that he was reopening my dispute and having it re-disputed. He also notated my account with the fact that I wanted my dispute to be disputed under misrepresentation along with the facts as to why I wanted it disputed under this dispute code versus services not received. He also stated that my husbands was still under review. \n\nOn XX/XX/XXXX at XXXX XXXX XXXX I spoke again to XXXX from the Executive Office who told me both my disputes were being closed but couldnt answer as to why they were not disputed as misrepresentation as I had requested. He also couldnt answer me when I requested why there were no answers as to why several supervisors had told me my dispute had already been forwarded to Visa or would be forwarded to Visa and never was. He stated that there was nothing else he could do and that my only other course of action was to go outside Chase to reach a resolution.","date_sent_to_company":"2021-04-30T23:03:05.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"086XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4341310","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-04-30T22:53:08.000Z","state":"NJ","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I know I have the proper documentation and proof and that I qualify for <em>Visa</em> <em>dispute</em> code 13.5 Misrepresentation after going through the process with several other institutions and reading the <em>Visa</em> <em>Dispute</em> Code handbook. \n\nBelow is a letter I <em>sent</em> the company regarding my numerous contacts with them : Im writing you all regarding the <em>disputes</em> I submitted for both my husband and I prior to XXXX."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[17.116386,"4341310"]},{"_index":"complaint-public-v1","_id":"3047039","_score":17.040194,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This complaint is regarding the charge on XX/XX/18 from XXXX XXXX XXXX XXXX for {$330.00}. I disputed a portion of this charge as my reservation was for a total of {$160.00} as I booked under a qualified rate which was verified upon check in by two XXXX XXXX employees. I authorized the charges for {$160.00}. However, after my departure the hotel chose to charge me based off a different rate. After speaking with the merchant they decided to change my rate after my stay requesting I allow the hotel to make a copy of my government ID which is a federal crime. The hotel made no mention of this rate change until after I had already left the hotel which is a violation of the Visa Interchange agreement, invalidating this charge. \n\nChase however only seemed to reply to my dispute with a letter requesting more information. Information which had already been provided. I'm attaching all original documents provided. Chase failed to resolve this dispute in accordance with the visa dispute and interchange agreements. I've also requested that all related documents in Chase 's investigation of this charge be sent to me for review on 2018-XXXX in writing. My previous requests while speaking with Chase dispute resolution analysts were all denied by Chase.","date_sent_to_company":"2018-10-17T04:11:11.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78723","tags":null,"has_narrative":true,"complaint_id":"3047039","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-10-17T03:57:15.000Z","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've <em>also</em> requested that all related documents in Chase 's investigation of this charge be <em>sent</em> to me for review on 2018-XXXX in writing. My previous requests <em>while</em> speaking with Chase <em>dispute</em> resolution analysts were all denied by Chase."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[17.040194,"3047039"]},{"_index":"complaint-public-v1","_id":"5462567","_score":16.796043,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This letter concerns two disputes ( chargeback ) that I opened with the Citi Visa Card company against the merchant XXXX that sold us air tickets on XX/XX/XXXX ( the charge was {$1800.00} - Case XXXX ) and modified the outbound flights on XX/XX/XXXX for a fee ( the charge was {$30.00} - Case XXXX ). Both of these services we bought using the XXXX card were cancelled by the merchant ( and not by me! ). Hence we did not get the product/service we paid for. \n\nExamining the attached documents and the proof that they contain, you will easily conclude that this merchant ( XXXX ) has not provided the service/goods that we purchased. The XXXX company facilitates this theft instead of protecting us, their loyal customers. \n\nThe first dispute ( Case XXXX ) : using our Citi Visa card ( paid {$1800.00} ), we bought plane tickets through XXXX on XXXX XXXX but XXXX after a while, XXXX canceled them. At this hour, our trip with XXXX XXXX sold to us by XXXX and that should contain 4 legs ( 4 flights ) contains only two legs, i.e., only the return flights ( and no outgoing flights ). The departure date is set for XX/XX/XXXX and there are no outbound flights because XXXX cancelled them. \n\nThe second dispute ( Case XXXX ) : After XXXX announced us that our outgoing flights/tickets were not available any longer ( after months of having tickets issued in the system with the Turkish Airlines ), we used the Citi Visa again to re-instate the outgoing flights. We were charged {$30.00}. A few days later, XXXX canceled this last set of outgoing tickets also. \n\nWhile the first dispute is still opened, the second was closed by XXXX even before I had a chance to answer it. XXXX closed the second dispute on XX/XX/XXXX two days before I had a change to fax my response explaining the situation. \n\nI am afraid that XXXX will also close the first, more important dispute without carefully examining my documentation that shows the true facts. We bought services that HAVE NOT BEEN GIVEN TO US. Why should we pay for them?\n\nAll details are in the attached documents. Please review them carefully to see that we are right. All these documents were sent to XXXX, but as of today, anything ( any responses I sent them ) are not showing up in the online account. More than that, I contacted XXXX and requested repeatedly to be sent a letter that show the first dispute was opened and they refused, citing the fact that everything should be online. Well, the larger amount dispute is not listed online. NONE of my responses are attached to the added to the files online as they should be. \n\nI am attaching all the documentation that shows the chronological events. It is addressed to the XXXX investigator that is supposed to research these two disputes and arrive at a conclusion. \n\nPlease help us get our honestly earned money back!","date_sent_to_company":"2022-05-11T13:22:51.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"461XX","tags":null,"has_narrative":true,"complaint_id":"5462567","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-04-18T21:10:30.000Z","state":"IN","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 second <em>dispute</em> ( Case XXXX ) : After XXXX announced us that our outgoing flights/tickets were not available any longer ( after months of having tickets issued in the system with the Turkish Airlines ), we used the Citi <em>Visa</em> again to re-instate the outgoing flights. We were charged {$30.00}. A few days later, XXXX canceled this last set of outgoing tickets <em>also</em>. \n\n<em>While</em> the first <em>dispute</em> is still opened, the second was closed by XXXX even before I had a chance to answer it."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[16.796043,"5462567"]},{"_index":"complaint-public-v1","_id":"3879468","_score":16.721302,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I received an email notification from CapitalOne advising that our new credit cards would be received in the first week of XXXX. Knowing that our existing credit cards would not expire until XXXX, and, not recognizing the account numbers listed in the email I contacted Customer Service. \nI spoke to representative XXXX, who after hearing my reason for calling, very politely told me that the company had done an account review and decided that we would be better served ( better benefits ) by switching our accounts from a Visa Card to a Master Card. When I questioned who had authorized such change and why no notification, she indicated that it was all part of an account review and that we should have received a letter. ( While I do not dispute that in fact a letter was sent, we unfortunately did not receive the notification, as I would have reacted to it then. ) I told the representative, that neither my husband nor myself wanted a Master Card. We wanted to retain our Visa. She said that was not possible, but she would transfer me to her supervisor. \nXXXX the SR account representative basically repeated what XXXX had said and indicated there is nothing that can be done to reinstate our Visa account. She was also unable to tell me what upgraded benefits we were receiving, but assured me that the CaptialOne account terms had not changed.. She indicated that for the benefits information I needed to call Master Card directly. Additionally, she did not explain why our account was selected for this change.\n\nWe have maintained a stellar relationship with CapitalOne for several years and our credit records are impeccable.\n\nWhen we applied for an account with CapitalOne, we requested a Visa account. I realize that the terms of our account with CapitalOne have not changed, however, our loyalties lie with Visa and frankly, this arbitrary decision from Capital One is intrusive and a violation of our rights as a consumer to choose a product. We were never given a choice to accept this change. \nI sent a written complaint to the CEO of CapitalOne and did receive a prompt response, however, the response echoed the same information I received from the two representatives I had spoken to earlier.\n\nThey also sent a copy of the letter that we should have received regarding this matter. The letter does advise we are being switched but nowhere does the company give us, the consumer, the right to accept ( or not ) this change.\n\nI still do not know why we were selected. I would have liked to have bee given a choice of accepting a product we never asked for, and I would like to have our Visa product reinstated.\n\nThank you for your attention to this matter","date_sent_to_company":"2020-10-03T15:36:44.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"33172","tags":"Servicemember","has_narrative":true,"complaint_id":"3879468","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-10-03T15:02:37.000Z","state":"FL","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["When I questioned who had authorized such change and why no notification, she indicated that it was all part of an account review and that we should have received a letter. ( <em>While</em> I do not <em>dispute</em> that in fact a letter was <em>sent</em>, we unfortunately did not receive the notification, as I would have reacted to it then. ) I told the representative, that neither my husband nor myself wanted a Master Card. We wanted to retain our <em>Visa</em>."]},"sort":[16.721302,"3879468"]},{"_index":"complaint-public-v1","_id":"9125406","_score":16.67777,"_source":{"product":"Credit card","complaint_what_happened":"I needed a moving company to move and store all of my belongings as we sold our house and had to be out by XX/XX/XXXX. I looked online and XXXX came up at the top of the list. I contacted them and XXXX XXXX called me on XX/XX/XXXX and said that XXXX could move and store all our belongings for XXXX months. I made a {$2900.00} payment on my Chase Visa credit card for XXXX the cost. I contacted XXXX many many times after XX/XX/XXXX asking to have someone come and look at all we had to move, including large paintings, antiques, a piano in a XXXX square foot house. Although XXXX texted back once and said he travels all the time and would be glad to meet, I never heard from him again, despite numerous emails, texts and phone calls. I have copies of the texts and emails. I started to panic by the end of XXXX and consulted with a friend who used to own a moving company. He told me that XXXX was probably a fraudulent company and that I should call Chase Visa and let them know. He also referred me to another moving company that subsequently had me video the entire house and all the contents, sent numerous explanatory emails and talked with me on the phone many times. Chase Visa initially removed the charge, but then XXXX disputed it and Chase asked if I wanted to continue the dispute, which I did. I sent them a long explanation detailing all of my attempts to contact XXXX as well as copies of my texts and emails. I talked with numerous Chase Visa customer service dispute representatives. I called them in early XXXX to find out the status of the dispute, and at that time, the representative suggested I call back after XX/XX/XXXX as that was the date XXXX originally said they would come, and let them know if anyone showed up. No one called or showed up, and I reported that on XX/XX/XXXX. To my surprise, I received a letter from Chase Visa dated XX/XX/XXXX stating that \" We reviewed the information available and found that you either received the services or the merchant made them available to you. '' I never received any services and Chase Visa knew that. In fact, their most recent letter to me said something very different, \" While you may have a valid complaint with the merchant, the results of our investigation confirm that the transactions are valid. '' I have no idea what that means, but I can't help but wonder if Chase Visa has a financial stake in approving these charges because of the money they make off of them. I am quite sure they have received other charges from XXXX or companies like them. I expect that there are many others who have been charged for services that were never provided and that Chase Cardmember Services may continue to unfairly charge their clients for those services. \n\nI have copies of my emails and texts to XXXX as well as the letters I have received from Chase Cardmember Services. I am happy to send those along if you want them, but at this point, I have just included the two summaries I sent to Chase Cardmember Services Disputes.","date_sent_to_company":"2024-05-30T00:09:37.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"22903","tags":"Older American","has_narrative":true,"complaint_id":"9125406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-05-29T23:27:01.000Z","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":["He told me that XXXX was probably a fraudulent company and that I should call Chase <em>Visa</em> and let them know. He <em>also</em> referred me to another moving company that subsequently had me video the entire house and all the contents, <em>sent</em> numerous explanatory emails and talked with me on the phone many times. Chase <em>Visa</em> initially removed the charge, but then XXXX <em>disputed</em> it and Chase asked if I wanted to continue the <em>dispute</em>, which I did."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[16.67777,"9125406"]},{"_index":"complaint-public-v1","_id":"5000983","_score":16.673674,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XXXX lady called and was talking about a workshop and needed to pay a fee. \nCome to find out it was scam. I reported the case to Law enforcement as the EDI of California was being used. \n\nXXXX app phone is XXXX XXXX XXXX XXXX XXXX phone and fax is telephone is XXXX XXXX XXXX XXXX 3 cards were used with XXXX app who have a high security with XXXX  and banking a deposit to verify the identity. The refund was approved XXXX and XX/XX/XXXX but Vanilla Gift card - inccom is holding on it. \n\nThis message was sent to the following 5 people : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. Replying to this email will notify them.Hello XXXX, Thanks for following up.Please note that when we concluded the investigation, we found out that you were eligible for a refund for each reported card. However after numerous attempts, each try gave us an error message. This meant that the card had issues which we can not control.Your case was closed as we didn't hear from you after a while we also can not keep a case open for too long. So since the case is closed, your only recourse is to dispute these unauthorized charges with Visa. Once these disputes are filed, these will enter our system and you will get your money back.Please let us know if anything is unclear.Kind Regards, XXXX & XXXX This message was sent to the following 6 people : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, Dispute Form Entry. Replying to this email will notify them.Hello XXXX, Thanks for coming back! There will be no action required from you since the dispute has already been filed with Visa. So what will happen is that Visa will give you the money back, you just have to wait for their advice that the money is on its way to you.Any information request or questions you have should be directed to Visa because you filed the dispute with them.Kind Regards, XXXX and XXXX Dispute Form received by Vanilla cardXXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, me, giftdisputes Hello, I received your dispute forms. Please send the full 16 digit card number of each card you are disputing.Or, you may send a photo of the front and back of each cardXXXX XXXXDispute Coordinator IDISPUTE RESOLUTION TEAM","date_sent_to_company":"2022-01-05T19:15:41.000Z","issue":"Problem getting a card or closing an account","sub_product":"Gift card","zip_code":"14223","tags":null,"has_narrative":true,"complaint_id":"5000983","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Incomm Holdings Inc.","date_received":"2021-12-13T00:01:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Trouble getting a working replacement card"},"highlight":{"complaint_what_happened":["This meant that the card had issues which we can not control.Your case was closed as we didn't hear from you after a <em>while</em> we <em>also</em> can not keep a case open for too long. So since the case is closed, your only recourse is to <em>dispute</em> these unauthorized charges with <em>Visa</em>."]},"sort":[16.673674,"5000983"]},{"_index":"complaint-public-v1","_id":"3868640","_score":16.329208,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XX/XX/2020 Someone hacked my paypal account and made multiple transactions to a total of {$1600.00} XXXX {$1000.00} paypal Instant tranfer to a prepaid visa card, which is not mine & {$660.00} from my bank Creditcard to a person named XXXX XXXX ( XXXX ). \nAt the same time, this person has faked sending multiple amounts to my account and put all of them on-hold. \nBelow are the amounts sent to me and put on hold Pending : XXXX XXXX + {$600.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$650.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$650.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$200.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$350.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$500.00} ON HOLD XX/XX/XXXX Held Money Received Completed : VISA Card -  negative {$1000.00} XX/XX/XXXX Instant transfer using Card VISA Card XXXX XXXX - negative {$660.00} XX/XX/XXXX Money Sent These transactions were made @ XXXX while, I was out away from phones & computers, so no online activity from myside. \n\nIt took a while to know what was happening and the first thing I did was to change the password for paypal account. \n\nDisputed the transaction ( Case : XXXXXXXX ) @ XXXX, hoping for a positive resolution and got a response @ XXXX that it is NOT unauthorized and denied my dispute. \nI tried calling paypal customer service ( for 3 consecutive days ) staying in the line for hours but no luck. Paypal agent mentioned that the person who did the fraud has claimed a dispute against me saying, I sold something to him and he didn't receive the product. Now paypal is investigating his dispute and declined my dispute transaction as authorized. Paypal is waiting for me to respond on his dispute, not sure what I can do here. \n\nI responded to my declined dispute email to provide evidence, on what basis my dispute is declined but haven't heard from Paypal yet. \nI even reported to local police station for record purpose and also reported to Complaint Referral Form Internet Crime Complaint Center. \n\nI couldn't reach the department which looks into Unauthorized transactions and help me resolve the issue, that is the reason I am here raising a complaint to reach Paypal team.","date_sent_to_company":"2020-09-28T17:41:10.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"60056","tags":null,"has_narrative":true,"complaint_id":"3868640","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2020-09-28T17:10:08.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Card <em>VISA</em> Card XXXX XXXX - negative {$660.00} XX/XX/XXXX Money <em>Sent</em> These transactions were made @ XXXX <em>while</em>, I was out away from phones & computers, so no online activity from myside."]},"sort":[16.329208,"3868640"]},{"_index":"complaint-public-v1","_id":"14990891","_score":16.280764,"_source":{"product":"Credit card","complaint_what_happened":"I am formally rejecting the response submitted by Total Visa dated XX/XX/year>. The response is factually inaccurate, legally insufficient, and confirms that Total Visa failed to comply with federal law governing billing disputes and credit reporting. Their reply contains multiple admissions that directly support my original complaint and further demonstrate willful violations of the Fair Credit Billing Act ( FCBA ), Regulation Z, and the Fair Credit Reporting Act ( FCRA ).\n\nFirst, Total Visa claims to have denied my dispute on XX/XX/year>, and that a determination letter was mailed to me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never received this letter. More importantly, I have now requested documentation from this alleged investigationincluding the denial notice and any supporting materialsmultiple times both verbally and in writing, including in my billing dispute submission and in my XX/XX/year> pre-arbitration letter. To date, Total Visa has failed to provide any evidence of the investigations outcome, in direct violation of 12 C.F.R. 1026.13 ( a ) ( 3 ) ( ii ), which requires written notification and documentation upon request. I am once again formally demanding that Total Visa produce a copy of the alleged XX/XX/year> determination letter, along with all internal notes, merchant communications, dispute logs, and materials used to conclude the investigation. \nSecond, Total Visa admits that its representatives misinformed me about the status of my dispute. The company stated in its response that our review of the account reflects agents you spoke to in XXXXXXXX XXXX XXXX  until XX/XX/year>, failed to recognize the billing dispute case was completed and a letter was sent to you. This is a clear admission that I was misled for over a month after the alleged denial. I spoke with agents on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all of whom confirmed the dispute was still open and under investigation. Several of these calls were recorded. This misrepresentation deprived me of my legal right to rebut the dispute determination, and therefore the investigation can not be considered valid under 12 C.F.R. 1026.13 ( f ). A dispute can not be closed in secret while customers are still being told the matter is under review.\n\nThird, Total Visas stated reason for denying the dispute is irrelevant and legally flawed. The company claims the charges were for cash that successfully were paid. However, the central issue was whether I authorized those transactionsnot whether cash was dispensed. The merchant name listed was XXXX XXXX XXXX, which I identified as unauthorized from the outset. Total Visa has failed to show that any investigation into the origin of those charges occurred at all. Again, no documentation has been provided despite repeated requests, in violation of Regulation Z.\n\nFourth, Total Visa asserts that I failed to make the required minimum payments during the dispute period. This is misleading. I paid off the portion of the balance I acknowledged and authorized. I stopped making payments only after confirming with Total Visa agents that the remaining balance was still under investigation. I was repeatedly told not to worry and to wait for resolution. As their own letter confirms, they failed to inform me of the denial, and therefore I had no reason to believe I owed anything beyond what I had already paid. Under both Regulation Z and the Total Visa cardholder agreement, payments are only required on amounts not in disputeand that was the basis for my decision to pause payments. \nAlso, Total Visas letter references that I reported the card lost on XX/XX/year> and was issued a replacement. This action had absolutely nothing to do with the dispute or any attempt to avoid payment. It was a separate customer service request entirely and took place weeks after the alleged dispute denial. Any attempt to connect my card replacement to the disputed balance is misleading and should be disregarded. \nThis letter serves as notice that I will not continue going back and forth. Total Visa has made multiple procedural missteps, admitted to misleading communication, failed to provide documentation, and has reported derogatory information based on a balance that remains legally disputed. If I do not receive full removal of this account from my credit reports and the requested documentation within ten ( 10 ) business days, I will escalate this matter by filing a formal arbitration demand and seeking full relief under 15 U.S.C. 1640, including statutory damages, actual damages, attorneys fees, and all available remedies. I am also prepared to forward this matter to additional regulatory and oversight bodies if necessary.","date_sent_to_company":"2025-07-31T22:45:29.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"90745","tags":null,"has_narrative":true,"complaint_id":"14990891","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST PORTFOLIO SERVICING INC","date_received":"2025-07-31T22:39:45.000Z","state":"CA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Second, Total <em>Visa</em> admits that its representatives misinformed me about the status of my <em>dispute</em>. The company stated in its response that our review of the account reflects agents you spoke to in XXXXXXXX XXXX XXXX  until XX/XX/year>, failed to recognize the billing <em>dispute</em> case was completed and a letter was <em>sent</em> to you. This is a clear admission that I was misled for over a month after the alleged denial."],"company_public_response":["Company <em>disputes</em> the facts presented in the complaint"]},"sort":[16.280764,"14990891"]},{"_index":"complaint-public-v1","_id":"3266793","_score":15.960502,"_source":{"product":"Checking or savings account","complaint_what_happened":"We were looking for ticket for an upcoming concert and found a post on XXXX that offered two tickets. We reached out to the seller and negotiated a price of {$75.00} for 2 tickets. The seller then said they had a 3rd ticket they also need to get rid of and we negotiated a third ticket for {$50.00}. Two transactions were process using my Visa Debit card through a service offered by XXXX called XXXX XXXX. Both transactions were on XX/XX/19. \nThe first transaction was for {$150.00} and the second transaction was for {$50.00}. A few hours later when I had not yet received my tickets, I reached out to the seller who claimed my payment did not go through. When they were insistent that I send them another {$200.00}, I was starting to sense something fraudulent was occurring. I refused to send the transaction again and sent the seller a confirmation from the first transaction. After my third attempt to contact the seller via XXXX, they blocked me from further communication. I then ( same day ) reached out to XXXX. XXXX   informed me that the transaction could not be canceled and to reach out to my issuing bank, U.S. Bank. I filed a dispute with U.S. Bank and was initially provided with provisional credit. However, after investigation, U.S. Bank debit my account for the full {$200.00} siting that the merchant ( XXXX ) had performed their required service of transferring the money to the seller and did not have any responsibility for the fact that I never received the tickets. U.S. Bank is saying this is also not their liability because although I used my Visa card for the zero liability protection provided by Visa, this particular type of transaction is a money transfer transaction and according to U.S. Bank, is not protected under Visa 's zero liability policy. U.S. Bank is also stating that while consumers are protected by the Fair Credit Billing Act, this particular type of transaction through XXXX  is not covered by that protection as XXXX was acting as a money transmitter, not as a merchant performing a merchant function. In researching and reading through the Fair Credit Billing Act, I disagree with U.S. Bank 's position that this type of transaction is exempt. I was not sending money to a third party, I was purchasing tickets. This was not a cash advance, this was processed on my Visa card like a standard merchant transaction and I expect to receive the protections covered like any other purchase of goods or services.","date_sent_to_company":"2019-06-06T21:00:52.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"80130","tags":null,"has_narrative":true,"complaint_id":"3266793","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2019-06-06T20:20:52.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Bank is saying this is <em>also</em> not their liability because although I used my <em>Visa</em> card for the zero liability protection provided by <em>Visa</em>, this particular type of transaction is a money transfer transaction and according to U.S. Bank, is not protected under <em>Visa</em> 's zero liability policy. U.S."]},"sort":[15.960502,"3266793"]},{"_index":"complaint-public-v1","_id":"7637096","_score":15.766506,"_source":{"product":"Credit card","complaint_what_happened":"On or about XX/XX/2023, I submitted a verbal detailed dispute to CHASE VISA claiming failure of XXXX XXXX to repair my girlfriend 's car AC system on XX/XX/2023 and charging me {$1200.00}. XXXX XXXX submitted only the invoice and did not respond to my allegations of \" bait-and-switch '' of compenents and failure to answer our many attempts to contact them the day the system failed or any time after that, including in their responses to CHASE. CHASE XXXX did not agree with me and on XXXX XXXX, 2023 I sent CHASE XXXX a detailed letter with many exhibits showing costs incurred and the fraudulent placement of a re-manufactured AC compressor in the car instead of a new one which XXXX and I had agreed to. I also provided proof of XXXX ignoring our phone calls, messages, and emails as well as proof XXXX over-charged me for the re-manufactured compressor. The compressor installed failed 4 times. \nIncredibly, CHASE XXXX still did not support me so I provided CHASE XXXX with another letter on XXXX XXXX, 2023 detailing the VISA Core Rules and Visa Product and Service Rules ( Policy # XXXX, dated XX/XX/2023 ) and CHASE XXXX still will not support my claim for failed service and fraudulent behavior. And this time on XX/XX/XXXX, the CHASE XXXX person who called me to deny my claim had no knowledge of the complete record including all my costs to fully repair the AC system and rental car while the car was in the shop being repaired, XXXX 's refusal to talk or message with me, and denied the results of my previous XXXX conversations on XXXX XXXX and XXXX with other CHASE XXXX staffers including a Dispute Supervisor. When I asked for specific details of CHASE XXXX 's decision, this staffer hung up on me.","date_sent_to_company":"2023-10-04T01:20:27.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94903","tags":"Older American","has_narrative":true,"complaint_id":"7637096","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-10-04T00:29:56.000Z","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":["CHASE XXXX did not agree with me and on XXXX XXXX, 2023 I <em>sent</em> CHASE XXXX a detailed letter with many exhibits showing costs incurred and the fraudulent placement of a re-manufactured AC compressor in the car instead of a new one which XXXX and I had agreed to. I <em>also</em> provided proof of XXXX ignoring our phone calls, messages, and emails as well as proof XXXX over-charged me for the re-manufactured compressor. The compressor installed failed 4 times."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[15.766506,"7637096"]},{"_index":"complaint-public-v1","_id":"2272093","_score":15.359813,"_source":{"product":"Credit reporting","complaint_what_happened":"I had a credit card with XXXX in XX/XX/XXXX and was recalled to XXXX as a XXXX, I requested the SCRA 6 % APR on the XXXX Visa account balance of {$5100.00} and a 34.99 % APR, I also tried to cancel the Credit Card Protection Plan that I had been paying for, because it was n't going to cover my payment protection while I was on XXXX and it was causing my account balance to stay over my limit each month. The XXXX Visa account was closed in XX/XX/XXXX, but the CCPlan continued to be charged to my account, as well as the 34 % APR until XX/XX/XXXX and once XX/XX/XXXX Applied the SCRA provisions to the XXXX visa account, and adjusted the balance for the interest in XX/XX/XXXX, the never refunded the Credit Card Protection Fees Charged and it was well over {$1500.00}. I paid off the balance on the XXXX account, but disputed {$900.00} for the CCPlan. I XXXX to XXXX in XX/XX/XXXX and when I returned the credit card account number reported was changed to a number I was never able to get the last four numbers for. I had disputed the account on XX/XX/XXXX with Trans Union and it was removed. I filed a law suit for SCRA violations and never able to filed the complete 3rd credit card number in the Complaint, I had to deploy during the case proceedings and it was dismissed. I was XXXX in XXXX in XXXX and my Clearance was Adjudicated and the XXXX Visa account was reported as the {$910.00} being Charged off, but it was the same number that was n't my account, and the POC wanted to know if XXXX has paid me or had been attempting to pay me. As I said, the disputed amount was for charges that the CFPB had Settled in a Consent Order in XX/XX/XXXX, and a check had been sent under the last four numbers of the account, but I never knew it was about my credit card until now. I wanted to see why XXXX has continued to report my XXXX Visa account as Charged off when they paid me more then the amount claimed were charged off under the credit card account number being reported with all XXXX Major Credit Reporting Agencies? I 'll provided the account documents to verify that my account was apart of the CFPB case in XXXX, and the credit card account is effecting my ability to continue my work currently. But I do want to THANK the CFPB for doing so much to fix a failing system, you have been hope for a lot of Servicemembers who had given up. Thank you","date_sent_to_company":"2017-01-03T05:46:26.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"33617","tags":"Servicemember","has_narrative":true,"complaint_id":"2272093","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-01-03T05:46:20.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status"},"highlight":{"complaint_what_happened":["I had a credit card with XXXX in XX/XX/XXXX and was recalled to XXXX as a XXXX, I requested the SCRA 6 % APR on the XXXX <em>Visa</em> account balance of {$5100.00} and a 34.99 % APR, I <em>also</em> tried to cancel the Credit Card Protection Plan that I had been paying for, because it was n't going to cover my payment protection <em>while</em> I was on XXXX and it was causing my account balance to stay over my limit each month."]},"sort":[15.359813,"2272093"]},{"_index":"complaint-public-v1","_id":"4648448","_score":15.281808,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"To whom this may concern : Before I begin, let me say that I have spent hours and hours on the phone and months of time speaking to the vendor ( XXXX XXXX, XXXX, VA ) and my credit card company ( Citi XXXX XXXX ). I have done my very best to resolve the issue on my own but unfortunately I have gotten the run-around and Citi XXXX continuously changing answers while being passed from customer service agent ( and supervisor ) to misleading customer service agent ( and supervisor ), all the while enduring multiple dropped calls. Citi XXXX XXXX has strung me along for over 9 months, the most recent letter ( from Citi XXXX XXXX ) dated XX/XX/XXXX states that We're looking into the transaction ( s ) you disputed. But when I call I can not get any explanation as to why this transaction was charged to me. ( A pdf of that letter is attached as XXXX ) I monitor my credit cards religiously and have had a perfect credit record for more than 30 years. I requested ( and was issued ) a new credit card soon after this fraud was revealed. \n\nOn XX/XX/XXXX, 2 fraudulent charges appeared on my Citi XXXX Visa account, one from XXXX XXXX for about {$900.00} and the other from XXXX XXXX for {$960.00}. I immediately called Citi XXXX Visa to advise them of the fraudulent charges. Both charges were temporarily credited. One charge, from XXXX XXXX was never in dispute and the credit was made permanent. The other charge ( from XXXX ) was put into dispute. It is this transaction that I was unable to resolve and is the reason for this complaint. \n\nLet me state categorically that I have never ordered anything from XXXX, I do not have an account there and the invoice from XXXX ( in the attached Citi.pdf document ) specifically shows that the item purchased was changed without a CCV code AND sent to a fraudulent address in XXXX California that is not connected with me in any way. \n\nThe complete documentation record is attached ( XXXX ). XXXX contains a copy of the letter I signed ( dated XX/XX/XXXX ) that was returned to the Citi XXXX Visa disputes department soon after the fraudulent charge was discovered. \n\nI also received a the document from Citi indicating the disputed charge was discharged and. that the cardholders card has been CREDITED as a result of this chargeback. Case closed as far as I was concerned. When I returned to the account the following month, the transaction was NOT recredited and I continue to dispute the charge to this day.\n\nI have absolutely no idea why Citi Visa is giving me a difficult time with this obviously fraudulent charge. \n\nI hope this fits within the CFTS mandate and that you might be able to help resolve this most unfortunate incident. My email and cell phone number is listed below and I would be happy to give any supporting details you might require. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-08-20T17:32:20.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"939XX","tags":"Older American","has_narrative":true,"complaint_id":"4648448","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-08-20T17:22:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["XXXX contains a copy of the letter I signed ( dated XX/XX/XXXX ) that was returned to the Citi XXXX <em>Visa</em> <em>disputes</em> department soon after the fraudulent charge was discovered. \n\nI <em>also</em> received a the document from Citi indicating the <em>disputed</em> charge was discharged and. that the cardholders card has been CREDITED as a result of this chargeback. Case closed as far as I was concerned."]},"sort":[15.281808,"4648448"]},{"_index":"complaint-public-v1","_id":"4545055","_score":15.171318,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Gift card purchased on XX/XX/2021 at XXXX, XXXX XXXX XXXX, XXXX, and loaded with {$500.00}. First tried to use at pet store in XXXX XXXX, ( XXXX XXXX XXXX ), on XX/XX/XXXX but magnetic stripe would not read, so just used different card and assumed problem with card reader. Tried to use at XXXX 's gourmet meats on XXXX XXXX on XX/XX/XXXX, but cashier said not enough balance available. \nImmediately went online to check card balance and saw there was a transaction on XX/XX/XXXX for {$490.00} at a XXXX in XXXX, Ca. at XXXX that same day. Called visa gift card company to file a dispute and called credit card company used to pay for gift gard, XXXX XXXX, and reported fraud. It seems card was tampered with before it was purchased at XXXX in XXXX ( they are accessible to customers ), and card was cloned and used in person by perpetrator at XXXX in XXXX once they saw available balance. \n\nAfter countless hours spent on the phone with Visa, XXXX, XXXX, police department etc visa dispute department have finally issued replacement card and sent letter on XX/XX/XXXX stating it was an error ( which is wrong, there was no error, there was theft ) and the amount was credited back to me in the form of the new visa gift card that was registered to my name. Ive received new gift card on XX/XX/XXXX which wasnt active. Called visa, for some reasons they told me to wait 5 business days for the card to get activated. They also mentioned that I can check this information online. I called again on XX/XX/XXXX since the information online was unavailable to me. They told me to wait till XX/XX/XXXX which would mark 5 business days and the card would definitely start working. On XX/XX/XXXX XXXX as my card is still inactive ) I called visa again. Was now given another number to call which is XXXX XXXX XXXX XXXX XXXX and told that they would be able to resolve the issue. When I called I realized this was XXXX family meaning XXXX. After I was able to get someone on the phone was told by XXXX representative to call visa at XXXX XXXX XXXX XXXX XXXX because visa is the one who issued and mailed my new gift card and they are the ones who should be able to help me out. So I called this number given by XXXX and again I was told by visa to call XXXX. I mentioned that I already did and they told me to call visa because they have nothing to do with the card issued by visa and not purchased at their store. Then I was put on hold, after representative came back I was told that there are actually no funds on the card any more and the decision was reversed. I asked why was the decision reversed, where was my paperwork with the explanation of why the decision was reversed and what was it based on after the initial letter stated that my account was credited {$500.00} and the dispute was considered resolved and the case closed. \nThe representative on the phone then involved supervisor who now said that XXXX is the one who took the money out from the second gift card issued by visa on XX/XX/XXXX. I asked how was it even possible and how do they even have the information if they have never been in the physical possession of this card ( since it was mailed to me XXXX and the supervisor replied that they just do have this information and I have to call XXXX and resolve it with them because visa cant do anything about it. Thats all the information they have. I was also told that XXXX would be able to reload the card ( even though it says A ) the card is non-reloadable and B ) why would XXXX reload the card that was issued by another institution? Its equivalent of going to XXXX and asking them to reload XXXX XXXX credit card! ). What kind of nonsense is that? \n\nAfter that I called XXXX for the third time that day and told them exactly what visa said ( that XXXX took out my money on XX/XX/XXXX ). The representative at XXXX explained that there is no way for them to have this information since the gift card was issued and physically mailed to me by visa, it wasnt purchased at the store. The card is also registered to my name and XXXX has nothing to do with this situation. They also said that visa notified them that they issued a replacement card for me and closed the case since the issue was resolved and I said it isnt true, because the issue isnt resolved, I was mailed replacement card that isnt working, I was mailed a letter by visa saying my account was credit the amount that was stolen from me except I still dont have my money and both XXXX and visa keep blaming each other. Although at this point it appears to me that XXXX is correct and they have nothing to do with the gift card that was issued and delivered by mail by visa. It also makes no sense why would the card be even active on XX/XX/XXXX? According to visa once I receive the new gift card I would have to call them to active it ( which is how pretty much every credit card works once you receive it in the mail ). So if I havent received the card until XX/XX/XXXX and it was inactive on XX/XX/XXXX and is still inactive as of today, XX/XX/XXXX, how was XXXX able to withdraw the amount on XX/XX/XXXX even if they somehow magically were able to get a hold of my new card? \nI called visa one last time on XX/XX/XXXX in the evening and the person on the phone gave me the number what he claimed to be their higher department. This was XXXX number again! I said you dont even know that the number you are giving me isnt your higher department, how would you even know what is going on with my case? Asked for supervisor one last time and now was told that they escalated the issue again to their back office, the one who said to call XXXX. I asked to talk to that back office or at this point anybody else who could tell me what is really going on? Supervisor said I cant talk to these people, all they can do is escalate this matter again which is going to take another 5 business days. Also considering their track record how do I know in 5 business days they wouldnt come up with some other excuse? At this point Im so frustrated and fed up with inconsistency and lies. This people shouldnt even be in business if this is how they handle theft. \n\nI would like visa to mail me new gift card ASAP that is registered to my name and is actually working with available {$500.00} on it ( the amount that was initially stolen from me ) rather then playing these games instead of doing the right thing while the scammers are running free. It appears to me that at this point after the dispute was resolved and the new card issued, the problem is with visa department, they issued the card that is invalid. Since there is no higher department I can call, no number other then the one Ive been using ( provided in this complain ), no follow up email ( in 2021 this company only uses fax or USPS ) I have no choice, but file a complain. According to visa the issue was resolved and the amount credited to my account on XX/XX/XXXX, yet today is XX/XX/XXXX and nothing is resolved and my money is still missing. \n\nI also would like CFPB to look more into this because of what this company does to the consumer. Is there actually fraud going in within visa itself? How many more people are going to become victims of this ongoing scam and how much more money would be stolen from law abiding citizens?? \n\nThese are the reference codes for my conversations : Visa case number - XXXX XXXX code - XXXX ( at the beginning in the dispute ) XXXX XXXX digit code - XXXX XXXX reference number from the conversation on XX/XX/XXXX - XXXX Attached is also all my paperwork filed with them and police report. Please let me know if you need further information. \n\n\nThank you for your help. \nXXXX XXXX","date_sent_to_company":"2021-07-23T16:58:28.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"91367","tags":null,"has_narrative":true,"complaint_id":"4545055","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2021-07-15T15:19:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["After countless hours spent on the phone with <em>Visa</em>, XXXX, XXXX, police department etc <em>visa</em> <em>dispute</em> department have finally issued replacement card and <em>sent</em> letter on XX/XX/XXXX stating it was an error ( which is wrong, there was no error, there was theft ) and the amount was credited back to me in the form of the new <em>visa</em> gift card that was registered to my name. Ive received new gift card on XX/XX/XXXX which wasnt active."]},"sort":[15.171318,"4545055"]},{"_index":"complaint-public-v1","_id":"13892225","_score":15.012222,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing a debt that Resurgent Capital Services and LVNV Funding LLC claim I owe from a XXXX XXXX Visa account. I have sent XXXX written dispute and validation requests, including a formal election of arbitration under the original XXXX card agreement, which mandates binding arbitration upon request by either partyeven during a lawsuit. \n\nDespite this, Resurgent has repeatedly ignored my arbitration demand and has failed to validate the debt. All they have done is send old billing statements, which do not meet the requirements under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I have also requested documentation proving the debt was properly assigned ( including Bills of Sale, XXXX XXXX Agreements, and account-level documentation ), but they have failed to provide any of it. \n\nMost recently, on XX/XX/year>, they sent me a vague letter stating the matter is \" under review '' with no mention of arbitration, no documentation, and no debt validation. This is clearly an attempt to stall, mislead, and avoid their legal obligations under the FDCPA and the Federal Arbitration Act ( 9 U.S.C. 2 ). \n\nI also notified them in writing that all communications are being recorded, as permitted under applicable law. They continue collection activity while ignoring my rights and obligations under federal law.","date_sent_to_company":"2025-06-04T16:49:29.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"18966","tags":null,"has_narrative":true,"complaint_id":"13892225","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-06-04T16:42:01.000Z","state":"PA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am <em>disputing</em> a debt that Resurgent Capital Services and LVNV Funding LLC claim I owe from a XXXX XXXX <em>Visa</em> account. I have <em>sent</em> XXXX written <em>dispute</em> and validation requests, including a formal election of arbitration under the original XXXX card agreement, which mandates binding arbitration upon request by either partyeven during a lawsuit. \n\nDespite this, Resurgent has repeatedly ignored my arbitration demand and has failed to validate the debt."]},"sort":[15.012222,"13892225"]},{"_index":"complaint-public-v1","_id":"5144523","_score":14.838128,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On Thu, XX/XX/XXXX, XXXX PM, {$820.00} was fraudulently charged to my Visa Signature card issued by Alliant Credit Union. Minutes later, at XXXX XXXX  I called the number on the back of the card - XXXX - to report fraudulent charges on my account and get my credit card reissued under a new number. My request was accepted, the existing card was cancelled, and - allegedly - the fraudulent charge was marked as such. Just to have a paper trail of the communication, I also sent a secure message to Alliant Credit Union the same day at XXXX- where I indicated which transactions are fraudulent. \n\nTo confirm that my fraud report is being processed, I also made another call - on XX/XX/XXXX at XXXX XXXX  - to ensure that the fraudulent charge is in fact being disputed. The representative confirmed that the charge is being disputed and there's nothing I need to do. \n\nIn the meantime, on XX/XX/XXXX XXXXXXXX XXXX, Alliant Credit Union responded to my secure message, and provided a generic no-answer to my written fraud report : \" Even though you have reported fraud on some of those transactions, you may still see them on your transaction history while the claims are being processed. '' This is clearly a copy-pasta please-go-away response and Alliant didn't bother to even check on the dispute status. \n\nUnfortunately, it turned out Alliant didn't dispute the fraudulent transaction I had reported 3 times to them already. On XX/XX/XXXX, a credit card statement was issued where the fraudulent transaction appeared on the statement as normal, and was not present in the \" in dispute '' section of the statement, indicating it was NOT in dispute. I'm on the hook for this transaction. \n\nI immediately contacted Alliant via secure message and sent them : \" I just received a statement of my Visa Signature card. The transaction I reported as fraud - XXXX {$820.00} - is listed on the statement, and not marked as \" in dispute '', and you're asking me to pay for it. I do not accept this. Please fix the statement and flag this transaction as fraud/in dispute as it should be, and modify the balance due. I'm very unhappy how you handled this. I've used many different credit cards and it's the first time my fraud report was totally ignored- even though I called twice to make sure the transaction is disputed, and even left a message. This is unacceptable. '' I also called Alliant at XXXX, spent 50 minutes on the phone with them on XX/XX/XXXX at XXXXXXXX XXXX  They're telling me it's actually a third party company that's in charge of their credit cards, and they're telling me to contact them, and that they have no record of the dispute. That said, I had already contacted this unnamed third party company by calling the number on the back of the card, and they said the transaction was in fact \" in dispute '', but they have no control over that's shown on the credit card statement and what statement balance is due, and I should be talking to Alliant directly. They're both playing ping pong with them. \n\nOn XX/XX/XXXX XXXXXXXX XXXX  Alliant responded in writing via secure message : \" The dispute has been received and is not being ignored. All transactions are automatically transferred to the new Visa card during the account transfer process. Even though you have reported fraud on some of those transactions, you may still see them on your transaction history while the claims are being processed. '' And again, I was sent a go-away response. If my dispute was really received, and not ignored, they would have corrected the statement, they would have marked the transaction as in-dispute on the statement, and would have lowered the statement amount due by the amount of the fraudulent transaction. \n\nHowever, at the moment of filing this complaint, XX/XX/XXXX, they've taken no action to resolve the issue, and I'm still asked to pay the whole statement balance, including the fraudulent transaction amount. They're playing ping-pong with me. At this point, I've exhausted all the amicable ways to resolve this issue and must resort to filing this complaint.","date_sent_to_company":"2022-01-24T21:29:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78114","tags":null,"has_narrative":true,"complaint_id":"5144523","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLIANT CREDIT UNION","date_received":"2022-01-24T20:38:02.000Z","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":["Just to have a paper trail of the communication, I <em>also</em> <em>sent</em> a secure message to Alliant Credit Union the same day at XXXX- where I indicated which transactions are fraudulent. \n\nTo confirm that my fraud report is being processed, I <em>also</em> made another call - on XX/XX/XXXX at XXXX XXXX  - to ensure that the fraudulent charge is in fact being <em>disputed</em>. The representative confirmed that the charge is being <em>disputed</em> and there's nothing I need to do."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[14.838128,"5144523"]},{"_index":"complaint-public-v1","_id":"2577374","_score":14.600922,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In a statement sent to me in  XXXX  my balance reflects a balance of {$910.00} of which there was still an outstanding billing dispute for over {$500.00} as well as a charge for a service provided by USAA which I am prevented from receiving. This statement had a due date of  XXXX / XXXX /17. Upon receipt of this statement my account had already been closed by USAA for a month, preventing me from using it further. Despite this, I have not received any new statements however on my credit report this VISA account is being reported with as having a balance of {$6600.00} as of  XXXX / XXXX /2017. As this account was already closed as of the date of the previous statement, and I have yet to receive any new statements or explanation I must raise a complaint about the billing practices employed by USAA. Furthermore,  XXXX / XXXX /17 I was informed USAA would be issuing credits for the previously disputed charges which were charged back onto my account in violation of the fair billing practices. Instead I only see balances increasing on accounts which USAA closed, while not being given an explanation, reason or justification for these phantom charges.\nThese accounts were in dispute, and closed as a direct result of my first complaint to the CFPB, which itself was also a violation.","date_sent_to_company":"2017-07-18T00:06:24.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78723","tags":null,"has_narrative":true,"complaint_id":"2577374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2017-07-17T23:38:29.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Furthermore,  XXXX / XXXX /17 I was informed USAA would be issuing credits for the previously <em>disputed</em> charges which were charged back onto my account in violation of the fair billing practices. Instead I only see balances increasing on accounts which USAA closed, <em>while</em> not being given an explanation, reason or justification for these phantom charges.\nThese accounts were in <em>dispute</em>, and closed as a direct result of my first complaint to the CFPB, which itself was <em>also</em> a violation."]},"sort":[14.600922,"2577374"]},{"_index":"complaint-public-v1","_id":"3199983","_score":14.577841,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2019, I opened two credit disputes with a merchant -- XXXX -- for two payments made for the same product. One was for {$430.00} and the other was for {$1200.00}. \nThe following week, I called Citi to make sure I was providing all the information possible to support my claim and asked if I could do more, such as provide photos or other evidence that the cups weren't able to be separated. Citi said that I've done all I can do and that I needed to wait 45 days for a response from the Merchant. \nOn XX/XX/2019, I got a notification from Citi that the merchant had responded to my disputes. Citi asked me to provide a signed letter and address the merchant 's response, along with proof of return and documentation that supports my position. At this time, I only saw one letter come up on my Citi portal, so I addressed the {$430.00} dispute. \nOn XX/XX/2019, I submitted my response for the {$430.00}, detailing my position ( as asked ) for why the cups were defective. I also explained that the merchant would not provide return shipping, though I asked them to twice. I also explained that the merchant provided INCORRECT information about the wrong case. They presented their case with bad information, which I pointed out in my letter. \nOn XX/XX/2019, I saw and submitted my response for the {$1200.00} dispute. The response was identical to the response for the {$430.00} dispute. I detailed my position ( as asked ) for why the cups were defective. I also explained that the merchant would not provide return shipping, though I asked them to twice. I also explained that the merchant provided INCORRECT information about the wrong case. \nOn XX/XX/2019, Citi notified me that my dispute credit of {$430.00} had been made permanent. \nOn XX/XX/2019, Citi notified me that my credit of {$1200.00} would be reversed and billed to me. I called Citi to ask why and spoke with a supervisor named XXXX. I couldn't get a straight answer from XXXX. At first, she said Citi attempted to go to pre-arbitration. Then she said they went to arbitration but Visa declined because they didn't have enough proof. I pointed out that the merchant didn't provide ANY proof because they sent a response to the WRONG case and XXXX told me that \" we all know what they meant ... we're talking about the same thing. '' XXXX then told me that Visa requires proof of return. She then explained that there might not ever be proof of a return if the merchant doesn't accept the return. I told her that the merchant would accept the return but that they didn't provide the label. I had made the merchandise available for them to pick up and they didn't come. I explained that I did everything I possibly could to return the merchandise to a merchant who would never accept it and XXXX explained that Citi can't help because Visa won't accept the arbitration. XXXX talked over me so I'm not sure she ever actually heard me. She was very difficult to work with and it took me so long to try to understand what she was saying because she gave contradicting information. I asked why one charge dispute was made permanent and one was reversed when the cases were identical and she said that one must have been just for the downpayment, which didn't require merchandise to be sent back. I reiterated that the letters from Citi, the response from the merchant to the WRONG cases, and my responses were identical. I doesn't make sense that one charge was reversed while the other was made permanent. XXXX just reiterated that it was because Visa wouldn't accept the arbitration and that there was nothing Citi could do.","date_sent_to_company":"2019-04-03T13:28:12.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"23225","tags":null,"has_narrative":true,"complaint_id":"3199983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-04-03T12:46:17.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I asked why one charge <em>dispute</em> was made permanent and one was reversed when the cases were identical and she said that one must have been just for the downpayment, which didn't require merchandise to be <em>sent</em> back. I reiterated that the letters from Citi, the response from the merchant to the WRONG cases, and my responses were identical. I doesn't make sense that one charge was reversed <em>while</em> the other was made permanent."]},"sort":[14.577841,"3199983"]},{"_index":"complaint-public-v1","_id":"2712023","_score":14.461258,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"After years of accepting only XXXX XXXX XXXX, XXXX shifted several years ago to accepting only XXXX. In conjunction with the shift, In conjunction with the shift, CitiBank offered a \" XXXX XXXX XXXX Card '' account to all XXXX XXXX XXXX Customers. \n\nI refused the offer to open a CitiBank VISA account because I was satisfied with a XXXX account from another offeror. \n\nIn XXXX XXXX, I was surprised to receive a new CitiBank VISA card in the mail. I shredded the card and did not activate it. \n\nSeveral days later, I received a CitiBank VISA statement in the mail showing a {$60.00} charge for renewal of my XXXX membership. When I visited XXXX, I was told that my instructions for automatic membership renewals charged to my ( now cancelled ) XXXX XXXX card had been transferred to the CitiBank VISA account that had been opened in my name. \n\nI want to be perfectly clear about my relationship with CitiBank. \n( 1 ) I never agreed to open a CitiBank VISA account. The account opened in my name was fraudulently opened without my consent. \n\n( 2 ) I never consented to renew my XXXX membership by charging the fee to a ( fraudulently opened ) CitiBank VISA account. \n\nI called CitiBank Customer Service in XXXX and stated that I disputed the fraudulent charge to a fraudulent account. I asked them to cancel the card and reverse the charge to XXXX. When I visited XXXX 5 days later, their Customer Service desk told me that the charge had not been reversed by CitiBank. They told me to monitor my membership online to see when CitiBank reversed the charge. They also told me that my complaint was one that they received frequently. \n\nI was away from home from XXXX XXXX XXXX. On the morning of XXXX XXXX, as I sorted through mail that had been delivered in my absence, I found a CitiBank statement for a billing period ending XXXX XXXX was delivered to my home earlier this month while I was travelling. It showed an unpaid balance of {$60.00} PLUS a late payment fee of {$25.00} and interest of {$0.00} Before I could deal with the statement, I received a debt collection telephone call. \n\nWhen I called CitiBank Customer Service, I learned that the account had been closed as a result of my XXXX call. However, the charge for the XXXX membership renewal had not been reversed as I requested, thus leaving an unpaid balance on the account which let \" the computer '' to assess a late fee and interest. When I explained my situation, the Customer Service Rep agreed to waive the late fee and interest charges. \n\nI made an online payment of {$60.00} to CitiBank today to close out this issue but my payment does not change the following facts. \n( 1 ) CitiBank opened an account in my name without my consent. \n( 2 ) My authorization to to XXXX to charge my membership renewal to an XXXX XXXX account should have lapsed when the XXXX XXXX account was closed. I never authorized automatic membership renewals charged to a CitiBank VISA card. Nevertheless, membership renewal was charged to CitiBank VISA without my consent. \n( 3 ) When I advised CitiBank VISA of this situation in XXXX, they closed the account as I had requested but they did not reverse the XXXX membership renewal charge to the fraudulent VISA account as I had requested. Instead, they sent me a notice of an account past due and assessed both a late fee and interest. \n( 4 ) XXXX Customer Service representatives in XXXX told me that they frequently receive complaints of this situation.","date_sent_to_company":"2017-10-25T16:01:56.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"23464","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2712023","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2017-10-25T15:08:28.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["They <em>also</em> told me that my complaint was one that they received frequently. \n\nI was away from home from XXXX XXXX XXXX. On the morning of XXXX XXXX, as I sorted through mail that had been delivered in my absence, I found a CitiBank statement for a billing period ending XXXX XXXX was delivered to my home earlier this month <em>while</em> I was travelling."]},"sort":[14.461258,"2712023"]},{"_index":"complaint-public-v1","_id":"7356133","_score":14.384331,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"First, let me mention I'm a former XXXX XXXX XXXX and XXXX XXXX. I am a professional in stating the facts- and knowing when an outrage has been committed that demands justice - such as in the case I'm about to relate. \nBank of America 's outrageously out-of-control, criminal, merchant-biased VISA Claims Resoution department is trying to extort {$5200.00} from me for a product I ordered XXXX  months ago but still do not have. I put the charge in dispute and they refuse to dismiss it saying the merchant claims it's non-refundable ( which is illegal ) and that \" you need to work this out with the merchant '' ( which is impossible, which is why I filed the VISA dispute with Bank of America to begin with ). \nBank of America ( BOA ) is also siding with the merchant, XXXX XXXX of XXXX, in refusing to refund the {$5000.00} I put down as a deposit through the BOA 's VISA card, on XX/XX/XXXX, even though that company failed to deliver an acceptable product - having sent me ( many months beyond the required deadline date of XX/XX/XXXX ) a LEMON, a guitar that was flawed and UNPLAYABLE ( and I've been a professional XXXX and XXXX XXXX for decades and am an expert on guitars ). I sent that guitar back on XX/XX/XXXX. \nThe guitar they sent on XX/XX/XXXX arrived UNPLAYABLE and FLAWED IN MULTIPLE WAYS ( including sounding a horrific squarewave and having defective, squeaking tuners that failed to keep the guitar in tune ; its action was also super high and the neck was as big as a baseball bat - such that even with my long fingers and large hands I could not play chords on this guitar I need to play ). \nI sent it back to them days later and they still have it. \nThough they've offered to \" adjust '' the guitar it can not be adjusted to make it acceptable ; they'd have to rip off the horrible neck and attempt to put on an acceptable neck - no good! \nThey offered to make me a new guitar but I can not wait another XXXX MONTHS for the instrument I NEEDED ON XX/XX/XXXX - nor is it reasonable to ask me to do so. Nor can I count on them to produce a perfect guitar, after this experience. \nI have nothing to show for my money and XXXX has nothing to offer me as a replacement, and we're now practically a year after I put my money down and I have no instrument to play nor anything to show for my money. \nThere are federal and state consumer protection and lemon laws that place XXXX AND its facilitator, BOA, in violation of the law. I was defrauded by XXXX and now BOA is trying to extort more money from me, {$5200.00}, for a product I do not have, while refusing to give me the refund XXXX owes me, {$5000.00}, for the deposit, saying I need to give the disreputable merchant an infinite amount of time to provide a solution which is outrageously unreasonable. \nI'm XXXX XXXX XXXX and I'll be retiring soon. I need my {$5000.00} back, and an end to BOA 's extortion.","date_sent_to_company":"2023-08-06T02:13:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78633","tags":"Older American","has_narrative":true,"complaint_id":"7356133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-08-06T02:03:52.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Bank of America 's outrageously out-of-control, criminal, merchant-biased <em>VISA</em> Claims Resoution department is trying to extort {$5200.00} from me for a product I ordered XXXX  months ago but still do not have. I put the charge in <em>dispute</em> and they refuse to dismiss it saying the merchant claims it's non-refundable ( which is illegal ) and that \" you need to work this out with the merchant '' ( which is impossible, which is why I filed the <em>VISA</em> <em>dispute</em> with Bank of America to begin with )."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[14.384331,"7356133"]},{"_index":"complaint-public-v1","_id":"6739488","_score":14.284466,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"We received three Vanilla Visa Gift Cards for XXXX in XX/XX/XXXX for {$100.00} each. All three gift card 's were invalid. Two of them had the numbers scratched off and no balance, and the third while it had the full number listed there was also a no balance. However, we have three receipts showing each card should have had a {$100.00} balance. I opened a dispute case as Vanilla requested on XX/XX/XXXX Case ID XXXX. At that time I submitted the dispute explaining all of this and providing copies of all three gift cards front and back and the receipts. Finally in XX/XX/XXXX, I received a replacement card ending in XXXX in the amount of {$190.00}. However, I have yet to be able to obtain a third replacement card for the {$100.00} or a response from Vanilla.gift. Since XX/XX/XXXX, I have sent emails to XXXX. on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX, to which they continue to dodge my request of sending a replacement card for the {$100.00} that was on the third gift card.","date_sent_to_company":"2023-03-23T15:50:27.000Z","issue":"Trouble using the card","sub_product":"Gift card","zip_code":"55044","tags":null,"has_narrative":true,"complaint_id":"6739488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Incomm Holdings Inc.","date_received":"2023-03-23T15:17:10.000Z","state":"MN","company_public_response":null,"sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["We received three Vanilla <em>Visa</em> Gift Cards for XXXX in XX/XX/XXXX for {$100.00} each. All three gift card 's were invalid. Two of them had the numbers scratched off and no balance, and the third <em>while</em> it had the full number listed there was <em>also</em> a no balance. However, we have three receipts showing each card should have had a {$100.00} balance. I opened a <em>dispute</em> case as Vanilla requested on XX/XX/XXXX Case ID XXXX."]},"sort":[14.284466,"6739488"]},{"_index":"complaint-public-v1","_id":"9626998","_score":14.16432,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/XXXX. I searched online for a used XXXX XXXX XXXX XXXX XXXX XXXX. I found a website called XXXX  I called and spoke with a sales rep and purchased a {$3000.00} used engine. I was told it would arrive in XXXX business days with all my packing information on a pallet. It was scheduled to be delivered to my job by freight. XXXX weeks passed. I remained contact with the sales rep during this time and was told it was delayed or missed the truck. After a few more weeks I disputed the charge with visa. This is now almost XXXX, XXXX. The sales rep started to refuse my calls, texts, voicemails and emails. I provided documents containing the dates, item, sales amount and contact attempts to the merchant. The bank temporarily refunded my {$3000.00} while waiting for a merchant rebuttal. A rebuttal was received in XXXX stating I own & operate a business website called XXXX and I own XXXX XXXX XXXX with XXXX. It also states I have purchased {$160000.00} in XXXX advertisement for this account. The bank then took back the {$3000.00} and has now concluded the dispute as a valid charge. I have attempted to contact XXXX to see if I can receive documents proving I do not own any advertising accounts with them. They were unhelpful as they stated XXXX is a consumer run product. This charge has now affected my credit due to the bank reporting non payment. Once again. I purchased an engine online and it was never received. The merchant states I purchased more advertising for my non existent website and account. I researched the website on the rebuttal and it comes up on scam trackers website. I dug a little deeper and the website is owned and operated by a man in XXXX. All of this found information was sent to the visa dispute center. No resolution is attempting to be made to help rectify my fraudulent charge. I am beyond upset it has now taken almost XXXX months of my time and the dispute center does not want to do their research on an obvious fraud.","date_sent_to_company":"2024-08-01T15:54:02.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"346XX","tags":null,"has_narrative":true,"complaint_id":"9626998","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNCOAST CREDIT UNION","date_received":"2024-07-26T20:45:37.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["All of this found information was <em>sent</em> to the <em>visa</em> <em>dispute</em> center. No resolution is attempting to be made to help rectify my fraudulent charge. I am beyond upset it has now taken almost XXXX months of my time and the <em>dispute</em> center does not want to do their research on an obvious fraud."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[14.16432,"9626998"]},{"_index":"complaint-public-v1","_id":"6477929","_score":14.144653,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I made a payment of {$120.00} to total visa the payment was returned by my bank, the payment was retried by XXXX XXXX and was credited to the account on XX/XX/XXXX and settled on XX/XX/XXXX. On XX/XX/XXXX I sent an email to the company after speaking to a representative and they advised me to send an email describing what happened. I received a response and was given a complaint number XXXX. After not hearing a response I reached back out on XX/XX/XXXX and requested an update with a customer rep I was not satisfied with the response and asked to speak to a supervisor the supervisor told me they had 60 days to investigate and would reach back out to me and offered a credit of a late fee to be returned. This issue was never settled and no one reached back out to me. While the issue was supposedly being investigated my report was hit for late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As I am sure you are aware they violated my rights and did not only not properly investigate this issue but while investigating this issue they reported late payments to the credit bureaus and continued collection efforts while the issue should have been under investigation I have quoted the statue in which they have also violated 1026.13 ( d ) ( 1 ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.","date_sent_to_company":"2023-01-25T04:41:30.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"347XX","tags":null,"has_narrative":true,"complaint_id":"6477929","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Total Card, Inc.","date_received":"2023-01-25T04:18:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["As I am sure you are aware they violated my rights and did not only not properly investigate this issue but <em>while</em> investigating this issue they reported late payments to the credit bureaus and continued collection efforts <em>while</em> the issue should have been under investigation I have quoted the statue in which they have <em>also</em> violated 1026.13 ( d ) ( 1 ) ( 2 ) Adverse credit reports prohibited."]},"sort":[14.144653,"6477929"]},{"_index":"complaint-public-v1","_id":"12091334","_score":14.02419,"_source":{"product":"Credit card","complaint_what_happened":"On XXXX XXXX, XXXX, while I was traveling with a friend in XXXX, XXXX, Bank of America informed me that a charge of {$2800.00} was made that day against my BofA Visa card from a merchant at a shopping mall in another part of XXXX. I denied I had any knowledge of the purchase nor did I have any explanation for it because the card had remained in my sole possession in XXXX. I asked for all details of the apparent fraud and was assured they would be sent to me. On my return to XXXX XXXX XXXX XXXX, XXXX, I began a series of contacts with the BofA fraud department. The card in question was canceled and a new card, also linked to my XXXX XXXX XXXX account, was sent by BofA. In early XX/XX/XXXX, the fraud department informed me they had concluded the purchase was made using a card with my identity details and that I authorized the {$2800.00}. They had no further information about the merchant in XXXX, the alleged purchase itself or why they were accusing me, in effect, of committing a fraud. Again I repeated my demand for any evidence to support their decision. On XXXX XXXX, XXXX XXXX XXXX informed me they intended to take the disputed amount of {$2800.00} from cash in my XXXX XXXX  account and they did so on XXXX XXXX, XXXX. I believe I am a victim of illegal seizure of funds by Bank of America.","date_sent_to_company":"2025-02-15T22:00:58.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92110","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"12091334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-02-15T21:15:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On XXXX XXXX, XXXX, <em>while</em> I was traveling with a friend in XXXX, XXXX, Bank of America informed me that a charge of {$2800.00} was made that day against my BofA <em>Visa</em> card from a merchant at a shopping mall in another part of XXXX. I denied I had any knowledge of the purchase nor did I have any explanation for it because the card had remained in my sole possession in XXXX. I asked for all details of the apparent fraud and was assured they would be <em>sent</em> to me."]},"sort":[14.02419,"12091334"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":165,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":165}]}},"product":{"doc_count":165,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card or prepaid card","doc_count":67,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":59},{"key":"General-purpose prepaid card","doc_count":5},{"key":"Gift card","doc_count":3}]}},{"key":"Credit card","doc_count":42,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":38},{"key":"Store credit card","doc_count":2}]}},{"key":"Checking or savings account","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":24}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7}]}},{"key":"Debt collection","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":4},{"key":"Other debt","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":3},{"key":"Domestic (US) money transfer","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Prepaid card","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General purpose card","doc_count":1},{"key":"General-purpose prepaid card","doc_count":1},{"key":"Government benefit card","doc_count":1}]}},{"key":"Bank account or service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Credit reporting","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":1}]}}]}},"issue":{"doc_count":165,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a purchase shown on your statement","doc_count":78,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":59},{"key":"Card was charged for something you did not purchase with the card","doc_count":18},{"key":"Overcharged for something you did purchase with the card","doc_count":1}]}},{"key":"Managing an account","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":9},{"key":"Deposits and withdrawals","doc_count":3},{"key":"Banking errors","doc_count":2},{"key":"Problem making or receiving payments","doc_count":2},{"key":"Problem accessing account","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":7},{"key":"Add-on products and services","doc_count":1},{"key":"Problem with customer service","doc_count":1}]}},{"key":"Closing your account","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":7}]}},{"key":"Problem with a lender or other company charging your account","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":5},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":2},{"key":"Information belongs to someone else","doc_count":2},{"key":"Account information incorrect","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2},{"key":"Was not notified of investigation status or results","doc_count":2},{"key":"Problem with personal statement of dispute","doc_count":1}]}},{"key":"Trouble using the card","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble using the card to spend money in a store or online","doc_count":4}]}},{"key":"Problem getting a card or closing an account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble getting a working replacement card","doc_count":2},{"key":"Trouble closing card","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":1},{"key":"Debt was result of identity theft","doc_count":1}]}},{"key":"Improper use of your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":2}]}},{"key":"Problem with a purchase or transfer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":2}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Written notification about debt","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":2}]}},{"key":"Account opening, closing, or management","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Billing disputes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Funds not received from closed account","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received unwanted marketing or advertising","doc_count":1}]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a credit card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened as result of identity theft or fraud","doc_count":1}]}},{"key":"Identity theft / Fraud / Embezzlement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Incorrect information on credit report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":1}]}},{"key":"Money was not available when promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem when making payments","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized transactions/trans. issues","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unexpected or other fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":165,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":161},{"key":"No","doc_count":4}]}},"company_response":{"doc_count":165,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":103},{"key":"Closed with monetary relief","doc_count":42},{"key":"Closed with non-monetary relief","doc_count":19},{"key":"Untimely response","doc_count":1}]}},"submitted_via":{"doc_count":165,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":165}]}},"company":{"doc_count":165,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"JPMORGAN CHASE & CO.","doc_count":26},{"key":"CITIBANK, N.A.","doc_count":20},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":15},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":14},{"key":"U.S. BANCORP","doc_count":8},{"key":"WELLS FARGO & COMPANY","doc_count":7},{"key":"SYNCHRONY FINANCIAL","doc_count":6},{"key":"EQUIFAX, INC.","doc_count":5},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":5},{"key":"BARCLAYS BANK DELAWARE","doc_count":4},{"key":"Bread Financial Holdings, Inc.","doc_count":4},{"key":"Chime Financial Inc","doc_count":4},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":4},{"key":"AMERICAN EXPRESS COMPANY","doc_count":3},{"key":"Incomm Holdings Inc.","doc_count":3},{"key":"Blackhawk Network Holdings Inc.","doc_count":2},{"key":"Foris DAX, Inc.","doc_count":2},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":2},{"key":"PNC Bank N.A.","doc_count":2},{"key":"Paypal Holdings, Inc","doc_count":2},{"key":"Resurgent Capital Services L.P.","doc_count":2},{"key":"TD BANK US HOLDING COMPANY","doc_count":2},{"key":"Total Card, Inc.","doc_count":2},{"key":"ALLIANT CREDIT UNION","doc_count":1},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"BANK OF HAWAII CORPORATION","doc_count":1},{"key":"BANK OF NEW YORK MELLON CORPORATION, THE","doc_count":1},{"key":"Betterment LLC","doc_count":1},{"key":"Block, Inc.","doc_count":1},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"Direct Recovery Services, LLC","doc_count":1},{"key":"FIRST NATIONAL BANK OF OMAHA","doc_count":1},{"key":"FIRST NATIONAL BANK OF PENNSYLVANIA","doc_count":1},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":1},{"key":"FinCo Services Inc DBA Current","doc_count":1},{"key":"Indie Technology DBA Found","doc_count":1},{"key":"Netspend Corporation","doc_count":1},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":1},{"key":"Plastyc, Inc.","doc_count":1},{"key":"SUNCOAST CREDIT UNION","doc_count":1},{"key":"Sequium Asset Solutions, LLC","doc_count":1},{"key":"TCF NATIONAL BANK","doc_count":1},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":1},{"key":"TransferWise Ltd","doc_count":1}]}},"state":{"doc_count":165,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":26},{"key":"TX","doc_count":16},{"key":"FL","doc_count":13},{"key":"IL","doc_count":13},{"key":"NY","doc_count":10},{"key":"GA","doc_count":9},{"key":"VA","doc_count":7},{"key":"MI","doc_count":6},{"key":"AZ","doc_count":5},{"key":"CO","doc_count":5},{"key":"NV","doc_count":5},{"key":"PA","doc_count":4},{"key":"SC","doc_count":4},{"key":"CT","doc_count":3},{"key":"MN","doc_count":3},{"key":"NC","doc_count":3},{"key":"NE","doc_count":3},{"key":"OH","doc_count":3},{"key":"WA","doc_count":3},{"key":"HI","doc_count":2},{"key":"IA","doc_count":2},{"key":"IN","doc_count":2},{"key":"LA","doc_count":2},{"key":"MT","doc_count":2},{"key":"NJ","doc_count":2},{"key":"TN","doc_count":2},{"key":"WI","doc_count":2},{"key":"AR","doc_count":1},{"key":"KS","doc_count":1},{"key":"MO","doc_count":1},{"key":"MS","doc_count":1},{"key":"NM","doc_count":1},{"key":"OK","doc_count":1},{"key":"UT","doc_count":1}]}},"company_public_response":{"doc_count":165,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":70},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":6},{"key":"Company believes complaint is the result of an isolated error","doc_count":1},{"key":"Company disputes the facts presented in the complaint","doc_count":1}]}},"tags":{"doc_count":165,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":23},{"key":"Servicemember","doc_count":23},{"key":"Older American, Servicemember","doc_count":7}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[14.02531,"12091334"],"3":[11.955384,"6969534"],"4":[10.295713,"2697948"],"5":[8.711511,"2002155"],"6":[7.2237206,"4510548"],"7":[5.856522,"15481898"]}}}