{"took":682,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":72,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5688216","_score":21.836708,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On the XXXX XXXX of XXXX a dispute was filed for the amount of XXXX and this is the total for several Atm transactions that appear on my statement as if i had received the money when the real thing was that i could not take money out at times because for some reason the card on times it was giving me the error of insufficient funds and or to contact the institution and it lock the account until i called them. Well anyways on the XXXX of XXXX of 2022 the dispute was filed and they asked for the papers to be signed and return which i did and the investigation started, they told me that it could take up to 45 days and that they would give me the provitional credit which they never gave me they said because at the end i did not qualify for the credit that i had to wait until there was a update. ok when the 45 days where almost up i called to check on the dispute and the rep told me that the case was still ongoing and that it was going to take up to 90 days to get a resolution and then well i got really mad because they had never explained that to me they had initially said only up to 45 days now it was up to 90 days this was ridiculous but ok i could not do anything other than to wait for the update or the 90 days whichever, was coming XXXX have been calling them every other week to check on the update and they always said they did not have anything yet to wait for the 90 days, today being the XXXX day XXXX day before the time was up if they did not have an update from the merchant they needed to put that amount back on my account well this is where i find it really absurd and ridiculous that today being the XXXX day XXXX day before they had to put the money on my account they have an update on the account and the update is that there was no error on their part that the merchant provided proof of the funds being given to me wich is not true i did not get anything and i requested for them to provide to me a copy of the proof that the merchant provided to them since i have the right for that document and the supervisor her name is XXXX from the customer service department but she is the supervisor she said that they could not provide me with any of that that the case was closed and they could not do anything about this case anymore so basically this is me loosing my money of course i want the proof because am not going to loose my money that money was not given to me at all and just because of them knowing that the deadline for the 90 days was on XX/XX/XXXX and that if the merchant did not provide nothing yet they were going to have to issue the money to, this is not right if they did this or they came to the conclusion that it was not an error and they where going to denied the claim just because they did not want to give me my money this is wrong and more wrong is them not wanting to give me the copy of the proof that the merchant provide to them i have the right to that information please help me","date_sent_to_company":"2022-06-20T20:39:08.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"741XX","tags":null,"has_narrative":true,"complaint_id":"5688216","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CARD Corporation","date_received":"2022-06-20T20:05:34.000Z","state":"OK","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["Well anyways on the XXXX of XXXX of 2022 the <em>dispute</em> was filed and they asked for the papers to be signed and return which i did and the investigation started, they <em>told</em> me that it could <em>take</em> up to 45 <em>days</em> and that they would give me the provitional credit which they never gave me they said because at the end i did not qualify for the credit that i had to wait until there was a update. ok when the 45 <em>days</em> where almost up i called to check on the <em>dispute</em> and the rep <em>told</em> me that the <em>case</em> was <em>still</em>"],"sub_issue":["Card company isn't resolving a <em>dispute</em> about a purchase or transfer"]},"sort":[21.836708,"5688216"]},{"_index":"complaint-public-v1","_id":"8528001","_score":19.492867,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I received a notification that there was suspicious activity on my crypto wallet in XXXX. Upon logging in, I discovered that there were close to {$5000.00} worth of unauthorized transactions. Immediately, I locked my card and contacted XXXX, where I was connected with a customer support representative named XXXX. Unfortunately, XXXX was not helpful and directed me to contact my bank, Navy Federal. \n\nFollowing XXXXXXXX XXXX advice, I promptly reached out to Navy Federal and submitted a fraud claim on the same day. I was informed that the investigation could take up to 90days to be completed, with the possibility of receiving a provisional credit within 10 business days. \n\nAfter two weeks had passed, I decided to call my bank for an update, only to be told that the investigation was still ongoing and that I needed to exercise patience. However, shortly after ending the call, I received an email from Navy Federal stating that the fraud claim had been closed and no error had been found. This prompted me to immediately contact the bank again. \n\nDuring my conversation with the bank, I was informed that my case was being transferred from fraud to disputes, and that I should expect a response within 2-3 business days. However, the allocated time passed without any communication, leading me to call the bank once more. This time, I was told that I needed to personally go back to the bank and submit a dispute claim. Naturally, I became extremely upset and frustrated with the situation. \n\nIn an attempt to find assistance outside of my bank, I turned to XXXX and was directed to this platform. I sincerely hope that someone here can provide me with the necessary help and guidance to resolve this issue.","date_sent_to_company":"2024-03-13T00:54:47.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"8528001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-03-13T00:21:27.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["During my conversation with the bank, I was informed that my <em>case</em> was being transferred from fraud to <em>disputes</em>, and that I should expect a response within 2-3 business <em>days</em>. However, the allocated time passed without any communication, leading me to call the bank once more. This time, I was <em>told</em> that I needed to personally <em>go</em> back to the bank and submit a <em>dispute</em> claim. Naturally, I became extremely upset and frustrated with the situation."]},"sort":[19.492867,"8528001"]},{"_index":"complaint-public-v1","_id":"10419288","_score":18.948673,"_source":{"product":"Credit card","complaint_what_happened":"Date of Transaction : XX/XX/year> Merchant : XXXXXXXX XXXX XXXX XXXX XXXX  : Chase Amount : {$13000.00} Dispute Reason : I never received the item I ordered -- XX/XX/year>XXXX  : Transaction Date -- I made a purchase for an item ( camera lens ) that never arrived at my home ( returned mid-route ) and instead the merchant sent me an item I never ordered, a weighted blanket. The weighted blanket arrived XX/XX/year>. The lens was requested to be return by the shipper ( merchant ) XX/XX/year>XXXX  ( see attached evidence ). \n\nI tried to resolve with the merchant, but they said let the Chase handle it. CHASE REFUSES TO INVESTIGATE WHETHER THE LENS EVER ARRIVED AND KEEPS SIDING WITH THE MERCHANT. \n\n-- XX/XX/year> : Conclusion of Fraud case -- Chase sided with the merchant because the merchant provided a tracking number for the weighted blanket that cost {$0.00} ( see evidence attached ). Chase never looked into the details of the product ; they just blindly accepted it. I was advised by a Chase agent to write a letter to the dispute department and open the case as a dispute which I did and provided all evidence attached this complaint. \n\n-- XX/XX/year> : Outcome of Dispute Case # 1 -- Chase said that the transaction is valid, because it showed I received the item even though I've sent detailed tracking number of the lens, billing details with prices of both of products, etc. When I called they told me that I received the product and they can not provide any further details. When I asked for a supervisor, they said \" Well I am the supervisor ''. I called again and was yelled at, \" Well, it's your fault for filing as fraud in the first place '', when I asked for a supervisor she said \" it's going to take a week to get a hold of one ''. I called a 3rd time and they told me to go into a Chase branch to reopen the case. For all three calls, I was very professional during my conversations with the reps. \n\nThat afternoon, I went into a Chase branch to have the manager reopen the case, scan and fax all documents to resubmit to the dispute department and was told to wait 35 days. \n\n-- XX/XX/year> : Outcome of reopened Dispute Case # 2 -- Chase still sided with the merchant, I found out after calling 5 times ( hung up on 4 of those calls ) they claimed that once the Fraud department has made the decision they can not make any changes and that they determined I did in fact received the lens, but I can still write in and reopen the case. I had notified the Chase branch manager through email, phone, and waited inside the Chase branch location before deciding to go home and contact the dispute department again to reopen the case. I was able to get a hold of the supervisor and I stayed on the phone for over an hour asking them to reopen the case explaining my situation. She verified details of my case, the products ( both lens and weighted blanket ), and date of arrival for the wrong item. The supervisor had assured me that we they were going to reopen as a new case and start from the beginning, and to call in 7 days to get an update. \n\n-- XX/XX/year> : Outcome of reopened Dispute Case # 3 -- After 3 calls, the Chase dispute team said that they won't reverse the decision for the same reason that they can not reverse the decision made by the Fraud team, but I can still write in. The escalation ticket filed the Chase branch manager called me, but repeated the reason from my case in XX/XX/year> and offered no further help. The complaints department never called me. \n\n-- XX/XX/year> : Chase still refuses to review the evidence -- Chase isn't resolving my dispute despite giving clear evidence I never received a camera lens. They said I received the product and that the merchant provided a picture and tracking number. THIS IS INCORRECT, THE MERCHANT GAVE CHASE THE WRONG INFORMATION AND CHASE NEVER LOOKED INTO IT AND BLINDLY ACCEPTED IT. This has been ongoing since XX/XX/year>, and we are now in XXXX, and Chase continues to side with the merchant without looking into of what was ordered and sent despite me sending all the details. I have now filed 5 dispute cases, and have had the branch manager talked to them ( and hung up on ), and they refuse to listen or look at the evidence provided by me. I try to reason with them, offered to resend the information, but I get hung up on, blamed, given different reasons to the outcome of the dispute, lied to, and only gotten one notice letter of the outcome the entire time. I have to call multiple times of day and each time is a different reason and time frame of resolution.","date_sent_to_company":"2024-10-11T13:45:24.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"93307","tags":null,"has_narrative":true,"complaint_id":"10419288","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-10-11T13:23:58.000Z","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":["The supervisor had assured me that we they were <em>going</em> to reopen as a new <em>case</em> and start from the beginning, and to call in 7 <em>days</em> to get an update. \n\n-- XX/XX/year> : Outcome of reopened <em>Dispute</em> <em>Case</em> # 3 -- After 3 calls, the Chase <em>dispute</em> team said that they won't reverse the decision for the same reason that they can not reverse the decision made by the Fraud team, but I can <em>still</em> write in."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[18.948673,"10419288"]},{"_index":"complaint-public-v1","_id":"4341310","_score":18.05244,"_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":["On XX/XX/XXXX I called as a temporary credit had <em>still</em> not been applied and spoke to XXXX XXXX at XXXX XXXX XXXX who informed me that he was escalating my <em>case</em> 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 <em>told</em> me that both my husbands and Is <em>cases</em> had been closed! He <em>told</em> me it was due to the fact that I had no <em>dispute</em> rights after 120 <em>days</em>."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[18.05244,"4341310"]},{"_index":"complaint-public-v1","_id":"4330357","_score":17.992466,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received a fraud alert from my credit card company XXXX on XXXX.I immediately locked the card from my mobile phone to block further charges and called their fraud contact number regarding an UNAUTHORIZED transaction charged from the XXXX XXXX XXXX XXXX on XX/XX/2021 while I was at a XXXX location in Florida, U.S.A. I do not live in the XXXX and was not there when the transaction was made. \n\nI was told that I would not be responsible for the transaction and that the card would be cancelled and a new card was shipped to me. \n\nUpon receiving the new card on XX/XX/2021, I noticed that the UNAUTHORIZED fraudulent transaction of {$46.00} and a foreign transaction fee of {$1.00} were still showing in my statement balance. I did not activate the new card and immediately called the BBVA fraud number again. I was told that the transaction was on the previously cancelled card and the new card was not compromised. The customer representative told me that he filed a dispute for the UNAUTHORIZED transaction and an investigation would be conducted but meanwhile, he said that he has removed the transaction from my account. He gave me a case number ( XXXX ). \n\nToday on XX/XX/2021, I am still seeing both the UNAUTHORIZED fraudulent transaction of {$46.00} and a foreign transaction fee of {$1.00} in my statement balance with payment due XX/XX/2021. I immediately called the BBVA customer service again and the representative said that the investigation is still on-going and I don't need to make any payment when due but she said that she can not remove the transaction from my balance. These are the only transactions on the card for this statement cycle and the statement balance. \nMy concern is that, since the transaction is going to take longer than 45 days, if I do not make the payment when due, I would be charged a late fee and reported to the credit bureau. I did not receive any formal email or letter about the investigation. \n\nIt is unfair to acknowledge that the charge was a fraud and refuse to remove it from my statement balance. I need help from the consumer financial protection bureau to intervene to remove the UNAUTHORIZED fraudulent transaction of {$46.00} and a foreign transaction fee of {$1.00} from my statement balance before the card payment is due on XX/XX/2021. \n\nThank you in advance for your assistance.","date_sent_to_company":"2021-04-27T16:20:41.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"4330357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BBVA FINANCIAL CORPORATION","date_received":"2021-04-27T15:21:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I was <em>told</em> that the transaction was on the previously cancelled card and the new card was not compromised. The customer representative <em>told</em> me that he filed a <em>dispute</em> for the UNAUTHORIZED transaction and an investigation would be conducted but meanwhile, he said that he has removed the transaction from my account. He gave me a <em>case</em> number ( XXXX )."]},"sort":[17.992466,"4330357"]},{"_index":"complaint-public-v1","_id":"10816531","_score":17.443516,"_source":{"product":"Credit card","complaint_what_happened":"Hi, I'm filing this formal complaint against Chime Bank as I believe they are involve in fraudulent activity with an online company to take money from my account without my authorization, I'll explain. On XX/XX/year>, Chime allowed a company called XXXX, a company I've never heard of before, never done business with, never placed an with, to take funds from my account for an order I didn't place, in the sum of {$140.00}. I reached out to the bank immediately letting them know it's FRAUD, somehow someone got my card information and used it. The bank told me that that they can't do anything until the transaction is posted to the account. Granted I was traveling on the XXXX of XXXX and I told them that was my money to pay for my luggages and wouldn't be able to do so without the money, so it's a HUGE inconvenience, I need it back ASAP! Needless to say, they told me I had to file a dispute, so I had to borrow money to pay for my luggages because that {$150.00} completely depleted my Chime XXXX XXXX card. A couple days later when the transaction was posted, I filed a dispute and they told me XXXX business days and that in the meantime to contact the merchant to see if they would release the funds. I did contact the merchant 's billing department and they told me since they are unable to find an account for me and I didn't place an order, they would cancel the fraudulent order and because I started the dispute with Chime, they have to be the ones to contact anthropologie.com to have the funds release back to my account, the same day, XX/XX/XXXX, I called Chime to let them know what the merchant said, it's as simple as giving the merchant a call to have this resolved and they still haven't reached out to the merchant as yet, today makes XXXX  days since they claim they are investigating, this is not a murder case, it's a fraudulent charge, why if I told you so many days ago what the merchant said, you still haven't gotten in touch with them nor have I received any updates in regards to what you're doing or what's going on, I have to be wondering??? I called and told them multiple times that I need that money back into my account ASAP, because of their negligence they have inconvenienced me, my bills are piling up and I have people to repay for money I had to borrow, so it's IMPORTANT that I get it back in that XXXX  day time span you gave me, not XXXX months time on XX/XX/XXXX, THAT IS JUST RIDICULOUS!!!! They are the ones at fault, I trusted the bank to protect my money, they saw that I've never done business with that merchant before, they block legitimate transactions before, they sent a fraudulent text alert for XXXX cents, so why not {$150.00}, I had no way to know that these people got a hold of my card information and used it, I couldn't stop it, they could, they are the freaking bank! You have the power to stop/block this transaction and they didn't, they put it through on my card, so they must be working with these people to commit fraud on my card. I NEED MY MONEY BACK ASAP TO TAKE CARE OF MY FINANCIAL OBLIGATIONS!!!! I'M NOT WAITING UNTIL XX/XX/XXXX ON ANY RESOLUTION WHEN THE RESOLUTION IS ALREADY THERE AND THERE SHOULD BE NO OTHER RESOLUTION THAN TO PUT MY MONEY BACK IN MY ACCOUNT, IT'S AS SIMPLE AS SPEAKING TO THE MERCHANT IN A DAY TO GET MY MONEY BACK TO MY ACCOUNT! THEY HAVE BEEN RUDE AND DISMISSIVE AND HAD SUPERVISOR DISCONNECT CALLS ON ME BECAUSE THEY DON'T WANT TO SPEAK TO ME REGARDING MY HARD EARNED MONEY! I'VE DONE DISPUTES WITH OTHER FINANCIAL INSTITUTIONS WHO'VE ALSO GIVEN ME PROVISIONAL CREDIT WHILE THE INVESTIGATION IS ONGOING. CHIME IS AN UNSCRUPULOUS BANK, THEY ARE NO GOOD!!!! : THEY ARE A BUNCH OF FRAUDS, FROM THE TOP TO THE BOTTOM! I AM GOING TO SEEK LEGAL ADVICE AND TAKE LEGAL ACTION AGAINST THEM AS WELL IF I DON'T GET MY MONEY ASAP!!! THEY ARE UTTERLY RIDICULOUS AND THIS IS UNFAIR PRACTICES, I'M THE CUSTOMER, THEIR OBLIGATION IS TO ME, SO DON'T ACT AS IF YOU DON'T WANT TO SPEAK TO ME ABOUT MY MONEY!!!!!","date_sent_to_company":"2024-11-19T16:19:00.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33156","tags":null,"has_narrative":true,"complaint_id":"10816531","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-11-15T16:12:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["out to the merchant as yet, today makes XXXX  <em>days</em> since they claim they are investigating, this is not a murder <em>case</em>, it's a fraudulent charge, why if I <em>told</em> you so many <em>days</em> ago what the merchant said, you <em>still</em> haven't gotten in touch with them nor have I received any updates in regards to what you're doing or what's <em>going</em> on, I have to be wondering???"]},"sort":[17.443516,"10816531"]},{"_index":"complaint-public-v1","_id":"3117916","_score":17.4406,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My Netspend debit card was stolen on XX/XX/XXXX and PIN number compromised. Two unauthorized ATM transactions ( at 2 different locations ) were made as a result. A dispute was made the same day as well as a police report filed and a provisional line of credit requested. \n\nThe dispute was quickly declined with no account credit given. I was informed their decision was based on \" no error found ''. I was told these transactions were consistent with my spending habits and I did not change my PIN. After receiving the documentation to back up their findings, the one ATM they said was consistent was used several times during XX/XX/XXXX-XX/XX/XXXX. I argued their findings did not show any consistency since they occurred 4-6 years earlier. The other ATM was never used at all. The PIN was never changed because I had not yet realized at that time my debit card was missing. The dispute was opened back up for further evaluation. \n\nI tried calling several times over the next 2 months for updates. The only way you can do this is to schedule a return phone call or by email. Both take up to 48 hours for a response. They have no direct incoming phone lines and your call can not be transferred to them. I did finally get a response and was told they needed a copy of the police report as this would show sufficient proof to grant me credit. I got this report from the city ; s Records Division and faxed it to the dispute dept on XX/XX/XXXX.\n\nAfter another long wait, I finally insisted on a higher level manager who escalated this dispute. After a couple days, I received a phone call from a representative who told me they still found no error and the police report was just an \" incident report ''. It was not a valid police report. The only way for me to get my money back was to pursue prosecution on my own. They said this was their final decision and the case was considered closed with no account credit given. \n\nAdditionally, after 6 long frustrating months of fighting this, another transaction was attempted from a XXXX member on XX/XX/XXXX. I called Netspend the same afternoon and was told this would not go thru. They noticed the person attempting the purchase was having trouble and errors were being made with the merchant to indicate suspicious activity. I was advised this was being declined and the money would go back into my account. Somehow this fell thru and I was still charged. Five days later 9 more charges came through from XXXX. These occurred during the middle of the night and early morning hours when I was still sleeping. \n\nThese charges were all debit signature purchases and total {$1500.00}. When I woke and realized, I called immediately. Several of these charges were actually still pending and I told them to stop payment or decline them because they weren't mine. I was told they could not do this but had to wait for them to post first and then dispute them. This is false information as one of my own legit transactions for a mere {$14.00} was declined based on being suspicious. The only credit I have received so far out of all this has been for {$110.00}. \n\nMy balance was nearly wiped out and more disputes had to be started. I had to wait for another new card. After receiving that & activating it, I was able to use it 2-3 times until XX/XX/XXXX when I tried to pay a bill. The card stopped working and I was blocked from logging into my account. When I called to find out why, I was told my account had been closed. The little balance I had left was {$410.00} and this would be sent to me by paper check which would take 15-20 days to receive. They also said the latest disputes were still on-going and I guess they will send them by paper check as well. \n\nMy whole argument with this latest activity is why these transactions were not stopped from the start since suspicious activity was evident to begin with. I was clearly told the 1st one on XX/XX/XXXX was being declined. Not only that but why would NINE MORE transactions be allowed? To make matters even worse, they closed my account out entirely which denied me access to the balance I had left. \n\nWhat am I supposed to do now? My direct deposit had to be rerouted and I have been left with nothing. Closing the account with no indication was wrong. It was not only untimely but not necessary. This could have waited until disputes resolved and still allow me access to my balance of {$410.00}. \n\nThis has left me devastated. Netspend has lied to me, deceived me and then closed my account without my knowledge. I am now desperate and stuck in a serious financial jam with bills to pay. I have been more than patient and have supplied sufficient proof of fraud. I feel all I have been given this entire time is the run around to avoid reimbursement. \n\nThese business practices should clearly be deemed unethical and completely unfair. PLEASE HELP!!!!!","date_sent_to_company":"2019-01-06T23:46:24.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"63116","tags":null,"has_narrative":true,"complaint_id":"3117916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2019-01-06T21:19:39.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["When I called to find out why, I was <em>told</em> my account had been closed. The little balance I had left was {$410.00} and this would be sent to me by paper check which would <em>take</em> 15-20 <em>days</em> to receive. They also said the latest <em>disputes</em> were <em>still</em> <em>on-going</em> and I guess they will send them by paper check as well. \n\nMy whole argument with this latest activity is why these transactions were not stopped from the start since suspicious activity was evident to begin with."]},"sort":[17.4406,"3117916"]},{"_index":"complaint-public-v1","_id":"17160793","_score":17.313345,"_source":{"product":"Credit card","complaint_what_happened":"Statement of Fact XXXX. Purchased XXXX XXXX XXXX XXXXXX/XX/XXXX Using Citibank Visa ending in XXXX XXXX. I received text message that fraud alert due to purchase amount asking was this me? I answered yes. Text stated that this purchase was cancelled and to please perform another purchase for it to go through. XXXX. I held off on secondary purchase with same card as thinking there may be a double charge. XXXX. I waited till next day XX/XX/XXXX to purchase drone package with a different credit card and it went through. XXXX. Also on XX/XX/XXXX I called credit card company Citibank to see if any charges were added to card. There were none. XXXX. XX/XX/XXXX I called and verified that indeed even though I was told that initial purchase was declined, it actually did go through. Now at this point I have XXXX drones being delivered to my home on XX/XX/XXXX. XXXX. Upon finding this out I immediately reached out to Citibank Visa and opened up a fraud case due to XXXX using funds that were not authorized. Long story short is Citibank Visa was the only entity that is able to release funds and throughout the whole process they never brought up that fact. XXXX. XXXX XXXX the above issue they saw no foul play in regards to the charge and cited with the vendor. Stating the information I provided did not support the case. Please return item and ask for refund. XXXX. XX/XX/XXXX received return label from XXXX and shipped unit back to vendor. XXXX. XX/XX/XXXX unit was received XX/XX/XXXX at the XXXX, XXXX  location. XXXX. See Below proof of delivery. XXXX. XX/XX/XXXX received via email notification that XXXX separate refunds have been processed and XXXX take between XXXX days until they go thru to banking institution. XXXX. During the above process I was told to send any email refund confirmations in paper form to the Dispute department, which I did. XXXX. Since XX/XX/XXXX I have been emailing XXXX in regards to where the refund is. XXXX. Also calling numerous times to Citibank Visa in order to convey my frustration on where my refund is. XXXX. I opened up new case mid XXXX to bring this issue to the attention of billing dispute department. They states it XXXX take XXXX months before getting an answer. XXXX. On XX/XX/XXXX I spoke with and agent at XXXX stating they were going to charge me a Annual Percentage Fee due to the bill not being paid. I stated that this issue has not been resolved. She stated that they can only adjust XXXX fee only in future in regards to the ongoing dispute of where the refund is. So at that point I paid off the balance, as I was in fear of my XXXX XXXX being tarnished while this was taking place. XXXX. Doing so I also had the account closed prior in order to make sure no charges were to be added to the account and be suspect of any future irregularities. XXXX. XX/XX/XXXX Fast forward to check in on how the case was going, I was notified that on XX/XX/XXXX the case was closed. As well as even though I sent email refund confirmations from merchant to the XXXX  XXXX they were either never used and or the representatives were unable to open attachments on their end in order to see valid documentation, which would have fulfilled my side of the issue with proof. I was never notified of this decision either via email or phone call. The XXXX XXXX  did not perform their due diligence in reaching out and or asking for more information from me. XXXX. XX/XX/XXXX after phone call from above, I called XXXX to see if they have received any activity/refund from XXXX. They stated they have not but did notice that on XX/XX/XXXX my banking institution paid XXXX  the vendor XXXX even though I have already returned unit to XXXX and was still requesting my refund. XXXX. XX/XX/XXXX I faxed all the refund confirmations again to the XXXX XXXX XXXX. Now its XXXX and still no refund after returning all merchandise.","date_sent_to_company":"2025-11-11T23:07:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"85308","tags":null,"has_narrative":true,"complaint_id":"17160793","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-11-11T22:46:45.000Z","state":"AZ","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":["During the above process I was <em>told</em> to send any email refund confirmations in paper form to the <em>Dispute</em> department, which I did. XXXX. Since XX/XX/XXXX I have been emailing XXXX in regards to where the refund is. XXXX. Also calling numerous times to Citibank Visa in order to convey my frustration on where my refund is. XXXX. I opened up new <em>case</em> mid XXXX to bring this issue to the attention of billing <em>dispute</em> department. They states it XXXX <em>take</em> XXXX months before getting an answer. XXXX."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[17.313345,"17160793"]},{"_index":"complaint-public-v1","_id":"3805407","_score":17.13061,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I opened a dispute with PayPal on XX/XX/XXXX regarding double charge of {$110.00} from their merchant XXXX  ( see complaint below ) on XX/XX/XXXX. \n\nMerchant - XXXX XXXXl : Order No. XXXX ( XXXX XXXX and XXXX ) On XX/XX/XXXX I made a purchase on the XXXX  website using Paypal. At the time of checkout, I received errors stating an issue with the server. When the order eventually processed it charged me twice, once on my credit card and once on my checking account. On XX/XX/XXXX, I called to inquire about disputing the charge with my bank and the representative from XXXX XXXX  told me if I disputed the charge as unauthorized that they would freeze my account, so at that time I opted not to pursue that avenue and yet try to work it out with the merchant. The same day I called the merchant and told them of the double charge which they denied and said they only received one payment from me and that if I was double charged I need to dispute the charge with my bank. I told them they charged my credit card as well as debited my bank account. I NEVER authorized them to debit my checking account in the first place, only to charge my credit card. Due to the error upon checkout they debited my checking account too. The representative at XXXX told me the funds hold on my credit card would be released in 3-5 business days, which they were not. I waited the 5 days as directed by XXXX before calling my credit card company to inquire about the hold. On XX/XX/XXXX I inquired about releasing the hold on my card ; my credit card company told me that it was up to the merchant to release the funds. I emailed XXXX the same day with screenshots of what was advised by my credit card company regarding the hold. On XX/XX/XXXX XXXX FINALLY sent an adjustment to my credit card to release the funds, a mere 7 days after I first brought this to their attention. \nThe package was delivered on XX/XX/XXXX. I refused the unopened package for delivery on XX/XX/XXXX at the XXXX  store in XXXX Mn. Upon refusal of the package I asked for a receipt, which I was told there was not one to be given. I again reached out to XXXX regarding the ongoing issue and was told nothing could be done regarding a refund until the package was returned to the warehouse. It is now XX/XX/XXXX and I no longer have the product nor the {$110.00} that was withdrawn from my bank account, without my authorization. I am being told by XXXX  that they can not track the package and XXXX is not able to refund my money until they receive the package. \nI opened a case with PayPal, as they are the merchants payment processor, but I have not heard anything back from them. My last resort is to file a dispute with my bank, but I do not think I should have to suffer the consequence of having my bank account frozen for doing nothing wrong but trying to get my money back that was wrongfully and fraudulently taken. I work extremely hard for my money and would like back what is rightfully mine. This has been an unbelievable nightmare and I just want this to be over. It is going on 18 days of nonsense from every avenue I have tried. This is plain and simple bad business all the way around, from XXXX faulty checkout platform to PayPals lack of customer service to XXXX  unable to track a refused package to my bank threatening to freeze my account. Please help me. \nI have exhausted all other avenues to get my money back including filing a complaint with the following : FTC XXXX  Attorney General of California I have not yet contacted an attorney. They are withholding my money ; I sent their package back to them on XX/XX/XXXX and they are refusing me a refund. I just want my money back. That is all. \n\nAs of XX/XX/XXXX I received an email stating my case was closed in my favor on XX/XX/XXXX and that I would be receiving a refund in 5 days ( not  5 business days ). Today is the 7th day ( and 5th business day ) and I still have not gotten a refund. I called PayPal today to check the status and possibly escalate the ongoing issue. I was told I must wait 6 business days for my refund due to how the seller refunded my money. This has been an ongoing issue with their merchant since XX/XX/XXXX. Their email notice that they sent me about my refund was both unfair and deceptive. Unfair because they lied by saying my refund would be in my bank account on the 5th day, which it is not. Nowhere in the email did it state 5 business days, only 5 days, which I am being told that now it is 5 business days. And deceptive because they told me something that was not true. The representative told me my refund would be there in 5 business days ( not 5 days as stated in email I received on XX/XX/XXXX ) and now I am being told 6 business days due to the manner the seller issued the refund. Very confusing and misleading If it were 6 business days, the consumer notice should have reflected that to be fair and not deceptive. While on the phone with PayPal, I was told by one agent that they would refund my money immediately since the funds should have been in my account as of yesterday and they are not. I lost the call and had to call back to speak with another representative who then told me that I would not be refunded immediately due to the manner the fund was requested. I asked to speak with a manager or supervisor but was advised that there was none available. Why wouldnt a fortune 500 company have a supervisor or manager available to take an escalation call? Seems a bit odd and is bad for business. \n\nI feel like I am never going to get my money back. Please help me get back what is rightfully mine. This has caused me nothing but stress. All the loop holes this merchant has been able to find to not refund my money is ridiculous. Until I receive my refund, I will just hurry up and wait.","date_sent_to_company":"2020-08-20T16:10:38.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"55378","tags":null,"has_narrative":true,"complaint_id":"3805407","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2020-08-20T16:04:46.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["As of XX/XX/XXXX I received an email stating my <em>case</em> was closed in my favor on XX/XX/XXXX and that I would be receiving a refund in 5 <em>days</em> ( not  5 business <em>days</em> ). Today is the 7th day ( and 5th business day ) and I <em>still</em> have not gotten a refund. I called PayPal today to check the status and possibly escalate the <em>ongoing</em> issue. I was <em>told</em> I must wait 6 business <em>days</em> for my refund due to how the seller refunded my money. This has been an <em>ongoing</em> issue with their merchant since XX/XX/XXXX."]},"sort":[17.13061,"3805407"]},{"_index":"complaint-public-v1","_id":"5868281","_score":16.954628,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Tuesday, XX/XX/XXXX, my car was broken into and my purse stolen - including driver 's license, credit card, and debit card. At last one other vehicle was broken into at the same time, and it was all caught on video by XXXX XXXX in XXXX XXXXXXXX XXXX. Within 60 minutes of the break-in, all cards had been cancelled, and the bank notified of the theft. A police report was immediately filed. \n\nAround XXXX XXXX., the thief tried to withdraw several thousands of dollars from a Fifth Third Bank branch in XXXXXXXX XXXX She was wearing a wig, and when she was asked additional identification questions, she demanded the teller return me ID and credit card to her, which she was using to impersonate me to gain access to our accounts. \n\nAt XXXX XXXX  that afternoon, she tried again at a Fifth Third Bank branch in XXXX XXXXXXXX XXXX  This time, the bank called XXXX, but the woman fled when she saw police. This branch captured video and still images of her. They also kept my driver 's license and credit card, so they were no longer in the thief 's possession. The branch manager at this bank ensured there were flags all over our accounts, said our money was safe, and that additional safeguards were in place to prevent people from accessing the money. \n\nWhen I asked, during all of this, if we could freeze our accounts, I was told no, and that would money would be fine. \n\nOn Thursday, XX/XX/XXXX, someone presented two checks to the bank written out to me, with a forged signature on the back. The checks had NOT ever been deposited, but the thieves issued a \" stop payment '' order on the checks, and Fifth Third Bank refunded them the money. We do have images of the checks we can present as evidence. One check was for {$2900.00}, the other for {$2400.00}, for a total of {$5400.00}. \n\nWe discovered the money was missing on XXXX, and immediately started the process of filing a dispute. I spent more than XXXX hours on the phone, being handed to different departments, getting disconnected while being \" transferred '', and then finally being told I had to call a different department which, by then, was closed for the day. I went to our local Fifth Third Bank branch in XXXX XXXXXXXX XXXX on XXXX morning ( XX/XX/XXXX ) and sat with a banker to file a claim through her. Despite working for the bank, she too had to go through the same process we did with an XXXX number, and we were initially told that again was the wrong department. Finally, they allowed me to open a dispute, and I was told it could take up to 10 business days to resolve. It took more than 6 hours to even get a dispute filed, and may never have been able to without the insistence of an actual Fifth Third banker that money was wrong taken from our account. \n\nWe never received any confirmation of opening the dispute, or any communication from Fifth Third. When I called Fifth Third on XX/XX/XXXX, I was told there were no updates. When I called on the 10th business day, XX/XX/XXXX, I was told I was misinformed and the investigation could take up to 15 days, and there were no updates on the case at all. The banker from our local branch called and was given the same scripted answer, and no additional information. \n\nWhen I called at XXXX XXXX. on XXXX, I was told the investigation was still ongoing, but there would be a resolution by close of business, and I would receive an email confirmation of such that day. When I called back after close of business, at XXXX XXXX., I was told there was no resolution and these disputes could take up to 30 days to complete. When I pushed back, I was told they would expedite the investigation, and have a resolution within 2 more business days ( XX/XX/XXXX ). \n\nWhen I called at XXXXXXXX XXXX. on XXXX, I was again told there would be a resolution by XXXX. When I called back at XXXXXXXX XXXX, the line was closed. \n\nI called back again at XXXXXXXX XXXX. on XX/XX/XXXX, and was told there was still no resolution, and despite my insistence and asking how I can escalate it, if I could take to a manager, etc., I was told I simply had to wait, and again guaranteed an answer by XXXX. When I called back at XXXX XXXX. on XX/XX/XXXX, I was given the same answer, and no way to escalate it. I asked if the bank would ever reach out or communicate with me, and was told no - it was 100 % on me to communicate, and when a resolution was found, we would receive information via USPS ; I would have to keep calling for answers. \n\nI called again at XXXXXXXX XXXX. on XX/XX/XXXX, and received all the same responses - and no answers at all whatsoever. \n\nAs of today, it has been nearly one month since the money was wrongly taken from our account, and we have not hear from Fifth Third Bank on a single occasion, and spent hours and hours on hold, pressing for answers, and getting nowhere. \n\nFifth Third Bank has footage of the woman trying to impersonate me, there is an ongoing investigation with the XXXX XXXX XXXX XXXX Department, and other evidence to support our dispute to get our money back. But above all, Fifth Third Bank needs to be held accountable for giving someone {$5400.00} out of our savings account that was never deposited in the first place, despite all the red flags all over out accounts.","date_sent_to_company":"2022-08-11T19:05:22.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"48309","tags":null,"has_narrative":true,"complaint_id":"5868281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2022-08-11T17:58:33.000Z","state":"MI","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["When I called at XXXX XXXX. on XXXX, I was <em>told</em> the investigation was <em>still</em> <em>ongoing</em>, but there would be a resolution by close of business, and I would receive an email confirmation of such that day. When I called back after close of business, at XXXX XXXX., I was <em>told</em> there was no resolution and these <em>disputes</em> could <em>take</em> up to 30 <em>days</em> to complete. When I pushed back, I was <em>told</em> they would expedite the investigation, and have a resolution within 2 more business <em>days</em> ( XX/XX/XXXX )."]},"sort":[16.954628,"5868281"]},{"_index":"complaint-public-v1","_id":"9106961","_score":16.084461,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is what I keep saying to them both verbally and in written communication : ( I have contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) There were 3 fraudulent charges placed at a vendor named XXXX  ( which is a store that does not even exist in the state that we reside ) on XX/XX/XXXX in the amount of {$150.00} ( yet only {$50.00} was taken ) per transaction which are unauthorized and still showing as submitted disputes within my app rather than received and I have contacted Venmo NUMEROUS times. The transactions hit my sons account on XX/XX/XXXX. \n\nCase Number : XXXX ( XX/XX/XXXX ) I was told I would receive an email from the dispute department with an update of the status of the investigation of these fraudulent transactions. The only email I have received is from XXXX stating I would be receiving an update in the next couple of days and that was XXXX weeks ago and I never received any communication after that. \n\nI was told it would take XXXX days to investigate these transactions just because it is my teen sons account. If these disputes began on XXXX documented. Since these transactions occurred at a store that does even exist in the state where we live and he just turned XXXX he can not go XXXX miles down XXXX XXXX without my permission so he most definitely did not go out of state as I have an app that shows me where he is at all times and it also records where he has been. If you need the documentation of his driving and destinations I can gladly give you that information. \n\nThis has put me in a financially difficult situation and I would like to have some sort of acknowledgement that someone is AT LEAST looking into it. At this point I would think everything should have been reviewed but every time I ask for an update on the app either they tell me the dispute has not been filed ( I believe I heard that twice ) or they escalate it to the dispute department which comes with a They will reach out via email and again I have had communication with anyone which, as stated before, there was XXXX email in actual regards to this situation and the other emails are requesting a survey to be filled as to how my experience was and I will tell you right now I have not answered those or taken those emails because I am thoroughly DISGUSTED at the business procedures from Venmo. This is BEYOND ACCEPTABLE. \n\nHere is a copy of an email I received on XX/XX/XXXX : Hi XXXX, XXXX from Venmo Purchase Support Team here! \n\nI'm sorry if you haven't received any update about the dispute on your teen account. I don't want this to be a negative experience for both of you so let me check this out and help you! \n\nUpon checking the status of the disputed transactions below, I see that your dispute is still being investigated by our Account Specialists that's why you haven't receive any communication from them yet. Your dispute is of utmost importance to us, our experts are actively working on it, and we kindly request your patience for just a bit longer. We anticipate having a comprehensive update for you within the next couple of days. \n\nAuthorization - XXXX # XXXX for {$150.00} on XX/XX/XXXX Authorization XXXX XXXX # XXXX for {$150.00} on XX/XX/XXXX Authorization XXXX XXXX # XXXX for {$150.00} on XX/XX/XXXX In the meantime, you can check the status of your dispute at any time by navigating to the Disputes section in the Venmo app.\n\n1. Go to the \" Me '' tab by tapping your picture or initials 2. Tap the Settings icon near the top of the screen 3. Tap Get Help 4. Select Disputes 5. Tap the dispute in question Once there you can view the details of all your ongoing disputes.\n\nIm sorry for the inconvenience and I hope this information helps out. If there are any other questions that I can answer for you regarding this matter, please don't hesitate to reply here and Id be happy to further assist! \n\nBest, : XXXX : ( XXXX ) XXXX ( XXXX XXXX  to XXXXXXXX XXXX XXXX, seven days a week ) : Chat with us on the Venmo Mobile App XXXX XXXX  | Venmo Support Do you see the words Your disputes are is it the utmost importance along with you will be hearing something within the next couple of days? A couple indicates 2-the NUMBER 2. Have I received any updates? NO! Have I been able to see any progress or updates within the app for these disputes? NO! \n\nI know Venmo is not registered with the XXXX XXXX XXXX  but your parent company, Pay Pal, is and at this point I will be filing a complaint with the XXXX  against Venmo and XXXX along with filing a complaint with the Federal Trade Commission if I do not have this situation resolved IMMEDIATELY. \n\nI would like to know what is going on and I also would like to not be stuck on a chat session for XXXX hours as that is what it normally takes with all the transferring of departments, queue position holds and let me reach out and ask delays. \n\nNow, I sent this same exact wording on XXXX, XX/XX/XXXX : I have the transcript from that conversation and was told that I would receive a new escalation/reference number within XXXX hours and SURPRISE SURPRISE NOTHING! I was told no number was generated because the case manager emailed the disputes team directly. Again, NOTHING! No email, no new numberno communication. I was told that it was being put through to the highest escalation that it could be and I am thoroughly DISGUSTED with this entire process. \n\nEven if you need a little more time that would have been ( please note the use of the past tense ) IF I HAD RECEIVED SOME SORT OF COMMUNICATION BUT I HAVE NOTHING! \n\nI have tried calling XXXX but there is no option for help with a dispute nor an option to speak to someone.","date_sent_to_company":"2024-05-27T10:22:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30701","tags":null,"has_narrative":true,"complaint_id":"9106961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-05-27T10:01:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["<em>Case</em> Number : XXXX ( XX/XX/XXXX ) I was <em>told</em> I would receive an email from the <em>dispute</em> department with an update of the status of the investigation of these fraudulent transactions. The only email I have received is from XXXX stating I would be receiving an update in the next couple of <em>days</em> and that was XXXX weeks ago and I never received any communication after that. \n\nI was <em>told</em> it would <em>take</em> XXXX <em>days</em> to investigate these transactions just because it is my teen sons account."]},"sort":[16.084461,"9106961"]},{"_index":"complaint-public-v1","_id":"13193718","_score":15.805826,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint Summary TD Bank Negligence in Fraud Case Incident Date : XX/XX/XXXX Ongoing Amount in Dispute : {$1000.00} Overview On XX/XX/XXXX, I became the victim of a phishing scam that led to two unauthorized XXXX transactions totaling {$1000.00}. I took immediate action, visiting my local TD Bank branch in XXXX, NJ, while the fraudulent charges were still pending, and I was still on the phone with the scammers. Despite doing everything within my power to prevent the loss, TD Bank has repeatedly failed to protect me as a customer. After acknowledging their mishandling of my case, they ultimately refused to take any further action, leaving me without resolution or reimbursement. \n\nTimeline of Events & Bank Failures 1. Immediate Reporting and Mishandled Process I was deceived by scammers posing as XXXXTD Bank support XXXX \nWhile still on the call, I visited the XXXX branch. The store manager instructed me to hang up and had staff assist me in filing a fraud claim and replacing my accounts. \nThe fraudulent transactions were still pending at the time of reporting. \n2. Misleading Information and Provisional Credit I received a credit a week later and was told the case was resolved by an employee. \nMonths afterward, I was informed via letter that the claim had been denied, and the credit would be reversedwithout warning or clarification. \nXXXX. Multiple Resubmissions Due to Bank Confusion The XXXX branch resubmitted my claim, which was denied again. \nI was told by TDs customer service that after three denials, the issue would be escalated. \nDuring this period, a representative mistakenly canceled my debit card, causing further hardship. \n4. Repeated Acknowledgment of Fraud, Yet No Action A TD Bank representative ( XX/XX/XXXX ) confirmed the charges were suspicious and likely fraudulent. \nStill, I received another denial letter shortly afterward. \n5. Senior Staff Acknowledge MishandlingThen Abandon Case In XX/XX/XXXX, after neglect from my local TD bank, I got in contact with the Regional Vice President, XXXX XXXX. \nXXXX explicitly acknowledged that my case had been mishandled and promised to involve the legal team. \nAfter these assurances, he stopped responding entirely. \n6. Final Denial Without Accurate Justification I received a final denial letter falsely stating that I had authorized the transaction. \nThis ignores the fact that the fraud was reported while still pending, and that branch staff initially acknowledged the scam tactics used. \n7. Final Visit Reveals Systemic Negligence XX/XX/XXXX Documentation Failure : Vice President XXXX at the XXXX XXXX XXXX branch confirmed no detailed case notes existed despite months of disputes, demonstrating TD Banks failure to maintain required records. \nEscalation Attempt : XXXX documented the full history of mishandling and sent it to Regional VP XXXX XXXX and XXXX XXXX XXXX the same executives who previously abandoned the case. \nXX/XX/XXXX XXXX XXXX : Despite clear evidence of errors, XXXX and XXXX again declined to act, confirming institutional tolerance for negligence at leadership levels. \nOfficial Recommendation : XXXX explicitly advised filing CFPB and fair banking complaints, stating off the record that he believes TD Banks conduct constitutes actionable negligence. \nCore Issues Negligence & Abandonment : TD Bank acknowledged internal errors but chose to end their involvement without resolution. \nFailure to Protect a Customer from Known Fraud Tactics : My report was made while the transaction was pending, using scam methods the bank was already aware of. \nViolation of Internal Policies : TD Bank failed to investigate and resolve the claim within the XXXX business days required by its own protocols. \nRepeated Misinformation & No Recordkeeping : Bank staff provided conflicting guidance, failed to document my case, and forced me to repeatedly recount my situation.\n\nLack of Accountability at All Levels : From branch management to regional leadership, multiple individuals promised help, acknowledged wrongdoing, then disengaged entirely.\n\nConclusion TD Bank 's conduct in this matter goes beyond poor serviceit reflects a clear pattern of negligence. The institution acknowledged it mishandled a fraud case involving over {$1000.00}, then refused to act further, leaving me financially harmed and emotionally exhausted after more than XXXX months of effort. \nI am requesting the Consumer Financial Protection Bureau ( CFPB ) to review this complaint, as I have exhausted all internal channels and received no justice or meaningful resolution.","date_sent_to_company":"2025-04-26T22:50:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"07110","tags":null,"has_narrative":true,"complaint_id":"13193718","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-04-26T22:35:30.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Complaint Summary TD Bank Negligence in Fraud <em>Case</em> Incident Date : XX/XX/XXXX <em>Ongoing</em> Amount in <em>Dispute</em> : {$1000.00} Overview On XX/XX/XXXX, I became the victim of a phishing scam that led to two unauthorized XXXX transactions totaling {$1000.00}. I took immediate action, visiting my local TD Bank branch in XXXX, NJ, while the fraudulent charges were <em>still</em> pending, and I was <em>still</em> on the phone with the scammers."]},"sort":[15.805826,"13193718"]},{"_index":"complaint-public-v1","_id":"1632844","_score":15.756078,"_source":{"product":"Mortgage","complaint_what_happened":"Hi. My husband & I are first time homeowners. We have XXXX small children together, all of which reside with us in our home. I believe we, like many other good/ hard working Americans, have had our lives turned upside down by Green Tree. Their past & ongoing actions/lack of action have caused severe stress along with mental/physical anguish on my entire family, have created numerous financial hardships, & have damaged our credit beyond recognition. I am begging you to hold them accountable for such actions ... In XX/XX/2013 XXXX XXXX XXXX mistakenly paid property taxes in excess of {$6000.00}, then transferred the servicing of our loan to Green Tree Servicing- all without any notice to us. This mistake caused my escrow payment to increase an ADDITIONAL $ XXXX/month. I tried several times to get answers from XXXX, but was repeatedly told that I would have to wait until XX/XX/XXXX when the transfer was complete to get any information. Both companies expressed not having my complete records each time I called. XXXX XX/XX/XXXX the transfer was SUPPOSED to have been completed ( any inquiries were to be directed to GTS ), but GTS CONTINUED to tell me that they still did n't have my completed records & could n't answer any of my concerns. Their process of attempting to \" RETRIEVE & review my files continued through XX/XX/XXXX ( see attachment ). I filed a letter disputing the amount GTS showed me owing due to the overpayment of the taxes ( see attachment ). Included in the dispute was a letter from the county treasurer 's office stating \" XXXX paid the amount in error '' ( see attachment ) .Over the course of the next several weeks, GTS representatives repeatedly used terminology that led me to believe this error was going to be corrected ( ie : \" mistake '', \" get it fixed '', \" escrow dept. will be the ones to fix it '', \" do n't know why they did that '', \" can take up to 45 days to be adjusted '', etc ), but no action was ever taken to correct the account, but LOTS OF ADDITIONAL CHARGES WERE ADDED DURING THE TIME THEY WERE DRAGGING ME ALONG. In XXXX 2013 I was told that if we did a loan modification it would take care of all of the problems, so we filled out all the paperwork and submitted it. They confirmed receiving it ( see attachment ), I called to check on it regularly-it was NEVER PROCESSED! In XXXX 2013 our mortgage was transferred to GTS, & when I was told that the mod was STILL in review- I hired a lawyer. Since that time, he also has worked reverently trying to resolve this, & was told by a GTS rep that we were NOT delinquent, but as of today still no solution has been reached. I have continued to make my monthly payment EVERY MONTH, & have yet to have ever heard the outcome of the loan mod paperwork that I submitted XX/XX/2013. Now that they have ruined our credit, tacked on thousands of dollars worth of ridiculous charges, ignored our modification paperwork, and began foreclosure -NOW, 2 YEARS Later, they are again wanting us to fill out ANOTHER loan modification packet. I believe that Green Tree continues to violate the ruling against them in the case FTC & CFPB v. Green Tree in regards to their continued actions towards me. They failed to ever respond to my in process loan modification from XX/XX/2013, they are continuing collection on a debt that I disputed owing on XXXX/XXXX/2013 without investigating the validity of the debt, they are not trying to work with me to resolve this situation at all, instead they are proceeding with their pending foreclosure of my XXXX lien residential loan that was transferred to them on XXXX XXXX, 2013, & they are not handling any of my legitimate concerns in a timely manner- which continues to cause me and my family ongoing hardship and undue stress. Please help me resolve this matter so that my precious family can continue to reside in our home, and so that I can go back to being the loving mom my kids NEED- instead of the depressed/ stressed person I have become","date_sent_to_company":"2015-10-29T16:55:38.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"456XX","tags":null,"has_narrative":true,"complaint_id":"1632844","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2015-10-29T16:55:36.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Included in the <em>dispute</em> was a letter from the county treasurer 's office stating \" XXXX paid the amount in error '' ( see attachment ) .Over the course of the next several weeks, GTS representatives repeatedly used terminology that led me to believe this error was <em>going</em> to be corrected ( ie : \" mistake '', \" get it fixed '', \" escrow dept. will be the ones to fix it '', \" do n't know why they did that '', \" can <em>take</em> up to 45 <em>days</em> to be adjusted '', etc ), but no action was ever taken to correct the"]},"sort":[15.756078,"1632844"]},{"_index":"complaint-public-v1","_id":"15266036","_score":15.634664,"_source":{"product":"Checking or savings account","complaint_what_happened":"Case Number Provided by XXXX on XX/XX/year> : XXXX On XX/XX/year>, I deposited a personal check via BMO 's ATM. The ATM did not notify me of any issue at the time of deposit. Several days later, my account was suddenly restricted. I was informed that the check could not be processed due to \" account could not be located ''. I received a letter containing this information on XX/XX/year> and it was sent out XX/XX/year>. The check was from a person I know personally who has sufficient funds and has sent me multiple checks in the past without issues. \n\nThe issues that have caused undue distress are discussed as follows : 1. My paycheck that was deposited on XX/XX/year> was withheld from me for 5 days with no explanation. These funds were not disputed. I attempted to gain access to my paycheck via going to the bank in person and was denied due to information not being given to me from previous phone calls. \n2. I received no phone call, e-mail, or other form of notification about my account being restricted aside from the letter that didn't arrive until 9 days after the ATM deposit.\n\n3. Representatives I spoke to either gave me misinformation, did not share pertinent information, or provided me with vague answers to my questions. \n4. The time I spent on the phone trying to resolve the issue interfered with my daily living activities. \n\nThis is an outline of the timeline related to this ongoing issue : 1. XX/XX/year> - XXXX  morning, my debit card was declined at a gas station. Over my lunch break, I spent XXXX minutes on the phone to find out my account was restricted due to a check being charged back. \n\n2. XX/XX/year> - XXXX  afternoon, I spoke with a representative at BMO and was on the phone for XXXX minutes who let me know that she \" took the lock off of my account '' and I would be able to use my debit card freely. I went to a gas station and my card was declined. \n\n3. XX/XX/year> - XXXX  evening, I was on the phone for XXXX minutes and spoke with a different representative who claimed that they did not see any issues with my account. They said that my card was declined because I used the wrong PIN. I tried my debit card again at the gas pump and it was declined. \n\n4. XX/XX/year>- XXXX  afternoon, I spent XXXX minutes on the phone. A representative told me that access to the undisputed funds in my checking account ( my paycheck ) would be available for me to take out in person the following XXXX. They reiterated that my case would be resolved within XXXX days. They did not specify whether that time would begin XX/XX/year> when the check was deposited or XX/XX/year> when the letter containing the reason for the chargeback was sent. \n\n5. XX/XX/year> - XXXX  afternoon, over lunch, I go to the XXXX branch in person to withdraw funds from my checking account. The action is denied. My XXXX minute lunch break is spent at a bank, attempting to figure out what is wrong and why I can't take cash out as I had been told I could. \n\n6. XX/XX/year> - XXXX  evening, XXXX minutes spent on the phone. The fraud specialist informed me that I needed to have called BMO prior to going to a branch to withdraw funds. No one on any other call had informed me of this. The fraud XXXX said that she would put a note on my account that I would be going in to withdraw {$500.00} from my checking account the following day. Despite putting the note in, I would still be required to call on XX/XX/year> prior to going to the bank to make sure there isn't anything pending. \n\nXXXX. XX/XX/year> - Wednesday morning, XXXX minutes spent on the phone. XXXX is the name of the fraud specialist who informed me that my \" account restrictions have been lifted '' and that everything should be working as normal. \n\nI am wary to trust that everything is going to be working as normal. I will be going to attempt to use my debit card at a place of business and withdraw cash from BMO. I have been assured that everything is in order. It is unfortunate that I have experienced such poor communication from a bank I have been using for years.","date_sent_to_company":"2025-08-13T15:10:35.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"50315","tags":null,"has_narrative":true,"complaint_id":"15266036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2025-08-13T14:41:59.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["A representative <em>told</em> me that access to the undisputed funds in my checking account ( my paycheck ) would be available for me to <em>take</em> out in person the following XXXX. They reiterated that my <em>case</em> would be resolved within XXXX <em>days</em>. They did not specify whether that time would begin XX/XX/year> when the check was deposited or XX/XX/year> when the letter containing the reason for the chargeback was sent. \n\n5."]},"sort":[15.634664,"15266036"]},{"_index":"complaint-public-v1","_id":"5057512","_score":15.281586,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Please review COMPLAINT ID XXXX submitted on XX/XX/XXXX. This was not resolved satisfactorily for the consumer. XXXXSynchrony Bank misled us numerous times- insisting from the outset it was not too late to request a refund from a fraudulent vendor of a malfunctioning XXXX computer XXXX Through MULTIPLE phone calls, XXXX XXXX XXXX customer representatives told us the dispute was still pending, told us to ignore emails to the contrary and multiple times, told us the dispute was resolved IN OUR FAVOR. This was a repeated falsehood causing us much time and many decisions based on false information. Banks need to be responsible to their customers. If you offer facts, you need to stand by what your reps insist is true. This bank, which has a terrible reputation overall, is a predatory institution that needs to come correct. \nDETAILS ARE AS FOLLOWS : Im writing to report the abusive practices and incompetence of Synchrony Bank with regard to my XXXXSynchrony credit card, practices that included broken promises, conflicting information, and disgraceful customer service for 11 months which finally resulted in a mishandling of my dispute with a scammer vendor that any other credit card would have resolved in our favor. \n\nOn XX/XX/XXXX, we purchased a XXXX XXXX XXXX laptop computer from a merchant on XXXX for {$1200.00} using our XXXXSynchrony Bank credit card XXXX Soon after the purchase, we began to have problems with the units power system. After a year and a half of purchasing a series of batteries and power adapters, we found many complaints about this model of XXXX computer saying it was a lemon. I reached out to the merchant about how the computer had failed but he refused to accept a return, refund or exchange. \n\nOn XX/XX/XXXX - I called the credit card Id used for the purchase - XXXXSynchrony Bank - about the possibility of disputing the purchase of a faulty XXXX computer on XXXX. I explained the timeline, to make sure it was a valid dispute given how much time had passed. THE REPRESENTATIVE ASSURED ME THAT MY CLAIM WAS WITHIN SYNCHRONYS ALLOTTED TIME FOR VALID DISPUTES. The representative opened the claim and advised me on how to follow up with my supporting documentations. The rep told me to mail a detailed history of the claim along with receipt, history of the purchase of replacement batteries, and all documented attempts to reach merchant to : Synchrony BankXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX The phone call CONFIRMATION # was : XXXX On XX/XX/XXXX, I received an email alert taking me to an affidavit from Synchrony Bank confirming they are reviewing my claim and are working to resolve it. \n\nFromXX/XX/XXXX, my partner ( additional cardholder ) and I spent many hours gathering the aforementioned documentation and logging a detailing history of our claim. \n\nOn XX/XX/XXXX, I mailed a detailed history of my claim and all supporting evidence to Synchrony Bank via USPS Within a week ( late XX/XX/XXXX ) I received a text confirmation that Synchrony Bank was working on my claim but that it would take longer than usual due to COVID-19. \n\nOn XX/XX/XXXX, I received via email a survey about how well I felt my claim was handled, now that it had been resolved. I had not heard it had been resolved. \n\nOn XX/XX/XXXX, I called Synchrony Bank about the survey and asked what was going on? How could my claim have been resolved when I had not heard anything about it? The representative put me on hold to research my claim. When she returned, she claimed that the dispute was not resolved, was still on-going and that I would hear from them. The representative reassured me and told me that things were taking longer due to COVID. So I deleted that survey email. \n\nOn XX/XX/XXXX, I called Synchrony Bank for an update. The representative told me the claim was resolved. She said it had been denied because Synchrony Bank only disputes purchases made within 60 days of the claim. She claimed Synchrony Bank sent me an email on XX/XX/XXXX, XXXX, telling me claim was closed. She said it was both a letter attached to my account portal AND a letter would have been mailed to me. But I didnt have an on-line account for Synchrony Bank, therefore have no portal. AND I received NO letter in the mail. In fact, the only email I got from Synchrony Bank was on XX/XX/XXXX, telling me Synchrony Bank was reviewing my claim!!! \n\nOn XX/XX/XXXX, Synchrony Bank lowered my credit from {$6000.00} to {$1000.00} even though Ive always paid my balance in full on time, because of inactivity, which for me- is due to COVID. This actually BROUGHT DOWN MY CREDIT SCORE - right when I was considering moving to XXXX XXXX!!! \n\nOn XX/XX/XXXX, I called Synchrony Bank to clear up all these discrepancies. The rep ( XXXX ext XXXX ) said the claim is still open, that they usually take 45-60 days - but because the purchase was so long ago - and due to COVID - its taking longer than usual. She also said that the information that Synchrony Bank DOES NOT LIMIT CLAIMS TO ONES GOING BACK 60 DAYS!!! \n\nOn XX/XX/XXXX, I called Synchrony Bank and spoke with XXXX who said claim is closed She OPENED A NEW DISPUTE, said it will take 90 days. She said that in 7-10 days, Id be getting a letter. I NEVER RECEIVED A LETTER On XX/XX/XXXX, I received a digital email from Synchrony Bank saying, We have received an inquiry on your account regarding an amount of {$1200.00} dated XX/XX/XXXX. We are unable to locate a transaction matching that information on your account. I had no idea what this meant. It was confusing. \n\nOn XX/XX/XXXX, I received another survey. Hi! Thanks for working with us on your recent XXXXcredit account dispute, resolved on XX/XX/XXXX. We hope your inquiry was handled quickly and easily! To improve the service we provide, wed like your feedback. Please take a few moments to complete this short survey regarding your experience. Again, since Id not been informed of any resolution, I was confused and frustrated. \n\nOn XX/XX/XXXX, I called and spoke with XXXX who looked up our case and said it was resolved in our favor, will be getting a letter in the mail with the details in 7-10 days. I never got this letter. \n\nOn XX/XX/XXXX, I called and spoke with XXXX  who confirmed the dispute was resolved in our favor on XX/XX/XXXX. She said I would receive a letter XX/XX/XXXX, that the money would be credited to our account right away but that it would take 1-2 billing cycles before the funds could be mailed to us as a check. Again, I received no letter. \n\nOn XX/XX/XXXX, I opened an on-line portal for my Athleta credit card account ( which also was a protracted process because I could not close my on-line portal for my GAP ( also Synchrony ) card account that I closed many years ago. ) After finally getting on-line, to my surprise, I STILL had not been credited the amount of the dispute being told TWICE it was resolved in my favor. So I called and spoke with a customer rep who said the dispute was NOT resolved in my favor. This time, after so much misinformation and obfuscation, I asked to speak to a supervisor. He transferred me to a manager. This woman, whose name I forget unfortunately, was rude and patronizing. From the start, she would not let me finish a sentence until I had to assert myself. Even then, she did not listen to anything I said and shut me and my partner down. She said it was never resolved in our favor and when Customer Service Reps say that, it simply means it was resolved. Period. She said that the confusing email from XX/XX/XXXX was because the customer rep ( XXXX ) who reopened the dispute on XX/XX/XXXX put the wrong date down. This manager took no responsibility for the gross incompetence of Synchrony Banks staff through-out entire process. She also claimed that - as opposed to what I was told SEVERAL TIMES- including from the VERY START, the dispute was too old. Though she re-opened the dispute but said that Synchrony Bank will never resolve this dispute in our favor because I still have the computer and it was too long ago. The fact that I asked about the time period on the first day I called, almost a year agoand was assured it was fine, and the fact that I continued to be told that again, during the middle of the processwas irrelevant to her. This is CONTRARY to what I was told originally. Nor is it what I was told through-out the process. Synchrony Bank wasted a week of our time spent gathering the materials, as well as countless hours on these phone calls. They also brought down my credit rating even though I always paid on time. Any other credit card would have resolved this in our favor. Synchrony Bank is reckless and abusive of its customers.","date_sent_to_company":"2021-12-31T05:49:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"90069","tags":null,"has_narrative":true,"complaint_id":"5057512","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2021-12-31T00:35:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The rep ( XXXX ext XXXX ) said the claim is <em>still</em> open, that they usually <em>take</em> 45-60 <em>days</em> - but because the purchase was so long ago - and due to COVID - its taking longer than usual. She also said that the information that Synchrony Bank DOES NOT LIMIT CLAIMS TO ONES <em>GOING</em> BACK 60 <em>DAYS</em>!!! \n\nOn XX/XX/XXXX, I called Synchrony Bank and spoke with XXXX who said claim is closed She OPENED A NEW <em>DISPUTE</em>, said it will <em>take</em> 90 <em>days</em>. She said that in 7-10 <em>days</em>, Id be getting a letter."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[15.281586,"5057512"]},{"_index":"complaint-public-v1","_id":"5581476","_score":15.191767,"_source":{"product":"Checking or savings account","complaint_what_happened":"So on XX/XX/2022 i was in the process of transferring XXXX payments of the amount of $ XXXX from my XXXX onto my chime online banking account to pay my bills online. But somehow while the first transfer of {$510.00} was in the process of depositing. I also did another transfer for the anount of {$500.00}. XXXX stated that it was going to take up to 3 business days for the payment to be posted. So i waited to make sure its posted so i can pay my bills. Then when i check on XX/XX/XXXX, there was a charge of {$500.00} being done at XXXX on the XXXX and a charge of {$500.00} being charge at another XXXX without me knowing until its too late. I thought that my small wallet and phone was stolen when i went shopping with some friends and i told the rep i called for a dispute of the two transactions. Later on Ive located my belongings as it actually fell in the crease of the car seats. I did noticed that my phone had a lot of weird scam calls and texts from weird numbers. I later realized that my phone have been hacked somehow and my cards was skimmed. There was a time i remember there was a lady who asked to see if i can give her my phone to make a phone call as she didnt have her phone. I gave it to the lady without thinking much of it because its just a phonecall. At that time i just had my chime card and i had it in my wallet with some of my other cards. My credit card had been used as of fraud as well and im still ongoing investigation with them to get my money back because i just paid off my balance. I do not find any reason to use soo much money at a XXXX when i can just shop somewhere else. I do not have any evidence that will back up my dispute but my dispute had been denied 3-4 times as they see no error occurred when clearly there is. I had to do a fraud alert and freeze my credit just in case any suspicious activity happened again. Please help me onto getting back my money. This is my hard work of 2 weeks pay. I also did contact XXXX and they couldnt even help me onto getting my refund. Please help me.","date_sent_to_company":"2022-05-20T02:59:38.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"48312","tags":null,"has_narrative":true,"complaint_id":"5581476","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2022-05-20T02:24:44.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["XXXX stated that it was <em>going</em> to <em>take</em> up to 3 business <em>days</em> for the payment to be posted. So i waited to make sure its posted so i can pay my bills. Then when i check on XX/XX/XXXX, there was a charge of {$500.00} being done at XXXX on the XXXX and a charge of {$500.00} being charge at another XXXX without me knowing until its too late. I thought that my small wallet and phone was stolen when i went shopping with some friends and i <em>told</em> the rep i called for a <em>dispute</em> of the two transactions."]},"sort":[15.191767,"5581476"]},{"_index":"complaint-public-v1","_id":"4545055","_score":15.166863,"_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":["Supervisor said I cant talk to these people, all they can do is escalate this matter again which is <em>going</em> to <em>take</em> another 5 business <em>days</em>. Also considering their track record how do I know in 5 business <em>days</em> 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."]},"sort":[15.166863,"4545055"]},{"_index":"complaint-public-v1","_id":"12954898","_score":15.012608,"_source":{"product":"Credit card","complaint_what_happened":"Message XXXX to the CFPB ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I used my Barclays Bank Rewards points on my Visa Credit Card to make reservations in their website system for a car rental in XXXX XXXX XXXX As a precaution, I asked if the rewards points would be restored if I needed to cancel the car rental reservation. I dutifully announced I was recording the conversation, maintained a digital recording of the car rental agency statements on cancellation and reimbursement of my Rewards Points in the event I needed to cancel. Later that day, my need to travel to XXXX was changed, so I called to cancel, again documenting the cancellation with a legal digital recording, and getting a confirmation that the Rewards Points would be reimbursed, and I was told it may take up to 30 days for the reimbursement to take place. \nThe reimbursement of the Rewards Points did not take place, and despite several messages left with Barclays Bank, they have failed to reimburse them. My latest message to the Barclays Bank was today XXXX and it is reproduced below : XXXX : You have still not resolved the complaint I have had which is ongoing for several months, following my Rewards Redemption from early XX/XX/XXXX. The XXXX elements of the redemption : XXXX. ) airline tickets, XXXX ) .overnight stay accomodations and XXXX. ) rental car arrangements were canceled promptly and the rewards points were only reimbursed for items XXXX. ) and XXXX. ) BUT NOT for item XXXX. ) the rental car. I carefully documented that I could cancel all three items with legal phone recordings PRIOR to making the arrangements, and then again when I canceled them within XXXX hours to get the rewards points reinstated. In the past you have explained in a phone conversation that the car rental company has taken the position that they are not going to refund Barclay Bank rewards points \" expenditure '' because they claimed they were not refundable. However I had taken the precaution of legal phone recordings to establish that they were refundable, and got permission to legally record the discussion both before and after the rental and the cancel of the rental car. I then provided all digital conversations that I had recorded with Barclay Bank ( twice ) and you apparently have not bothered to listen to them to be satisfied that I did what I needed to do for my protection, Barclay Bank owes me a reimbursement of the rewards points regardless of your dispute with the car rental agency. My most recent communication to you was XXXX and remains in the messages history at your website. \n\nPrior to this date XXXX Barclays Bank had stored all my messages to them in their entirety, however now I notice they only show a dramatic abbreviation of my messages to them as shown below, indicating the dates they acknowledge I communicated with them : Complaint / Compliment XXXX : You have still not resolved the complaint I have had which is ongoin Rewards XXXX You have neither responded to me nor corrected the missing rewards po Rewards Case has been open dated XX/XX/XXXX with a case ID of XXXX partial Complaint / Compliment Case has been open dated XX/XX/XXXX with a case ID of XXXX partial Benefits The redeemed points from your Rewards system was Trip ID XXXX Benefits I have located the XXXX digital phone conversatiosn regarding my cancellations of t Benefits Rewards points redeemed XXXX XXXX XXXX, XXXX have not been returned to my XXXX XXXX XXXX XXXXXXXX I used my.XXXX XXXX XXXX XXXX for {$54000.00} in XXXX XX/XX/XXXX I Rewards I have a reservation made earlier this morning XXXX for a XXXX night stay at XXXX","date_sent_to_company":"2025-04-12T20:12:30.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"037XX","tags":"Older American","has_narrative":true,"complaint_id":"12954898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-04-12T19:22:33.000Z","state":"NH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["Later that day, my need to travel to XXXX was changed, so I called to cancel, again documenting the cancellation with a legal digital recording, and getting a confirmation that the Rewards Points would be reimbursed, and I was <em>told</em> it may <em>take</em> up to 30 <em>days</em> for the reimbursement to <em>take</em> place. \nThe reimbursement of the Rewards Points did not <em>take</em> place, and despite several messages left with Barclays Bank, they have failed to reimburse them."]},"sort":[15.012608,"12954898"]},{"_index":"complaint-public-v1","_id":"9392190","_score":14.745842,"_source":{"product":"Credit card","complaint_what_happened":"I would like your assistance in resolving an issue with which I have been dealing for almost a month. This involves my now-closed Apple Master Card, issued by Goldman Sachs . \n\nOn XX/XX/year>, I made a purchase of appliances and plumbing fixtures for a home renovation project from a previously reputable business in XXXX XXXX XXXXXXXX. Less than a month after making the purchase, the business unexpectedly closed its doors. I immediately filed a dispute with Goldman Sachs ( XXXX ). The business subsequently filed for XXXX  XXXX bankruptcy, and I submitted the notice I received to Goldman Sachs by email. The notice was issued by the United States Bankruptcy Court, XXXX XXXX XXXX XXXX XXXX and clearly indicated that my husband and I were creditors, and the Debtor was the defunct company, XXXX. \n\nOn XX/XX/year>, I received Goldman Sachs stating the dispute was complete and the merchant charge would be removed from my account. I obviously appreciated this resolution in my favor. \n\nSeveral days later, on XX/XX/XXXX, my Apple Card was unexpectedly locked. When I called to inquire, I was told it was because one of Goldman Sachs ' employees had flagged my account because they erroneously concluded that I had filed for bankruptcy. \n\nI spoke to a second support person named XXXX on XX/XX/XXXX. He explained that an agent had made a mistake, and that he would create a case to escalate this problem ( # XXXX ). Eventually, my card was unlocked, and my access was restored. I received an email on XX/XX/XXXX, noting my bankruptcy inquiry had been resolved. \nOnce again, I would like to reiterate that my husband and I have NEVER filed for bankruptcy, and that an inept low-level employee made a grave error in ascribing this to us. \n\nAs you might imagine, this was extremely frustrating, especially because there was a negative balance on my account of {$19000.00}. I closed my account on XX/XX/XXXX, as soon as the card was unlocked, because I had no intention of continuing to do business with a financial organization with staff so incompetent as to not understand the basic premise of a company filing for bankruptcy. When I closed my account, I was assured by the agent the {$19000.00} would be transferred back to my account, ending in XXXX. I was told this would take between XXXX days. \n\nI still have not received my money. I called on XX/XX/XXXX to inquire and was told by a specialist that the dispute had NOT been resolved and there was on-going investigation. This directly contradicts the email I received on XX/XX/XXXX. He promised to escalate the matter, and yesterday, XX/XX/XXXX, I spoke to XXXX specialists who were again unable to assist me. One of them, XXXX, again asked about my supposed bankruptcy. As I was at work, taking emergency call as a surgeon, I was unable to stay on the phone with him and again hash out this matter which, according to Goldman Sachs ' email on XX/XX/XXXX, had also been resolved. \n\nAt this point, Goldman Sachs owes me {$19000.00}. I have spoken to many of their representatives and none have been able to assist me. I have also mailed a letter to the company, detailing the above events and requesting my money.","date_sent_to_company":"2024-07-02T02:17:56.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"920XX","tags":null,"has_narrative":true,"complaint_id":"9392190","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-07-02T02:00:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I was <em>told</em> this would <em>take</em> between XXXX <em>days</em>. \n\nI <em>still</em> have not received my money. I called on XX/XX/XXXX to inquire and was <em>told</em> by a specialist that the <em>dispute</em> had NOT been resolved and there was <em>on-going</em> investigation. This directly contradicts the email I received on XX/XX/XXXX. He promised to escalate the matter, and yesterday, XX/XX/XXXX, I spoke to XXXX specialists who were again unable to assist me. One of them, XXXX, again asked about my supposed bankruptcy."]},"sort":[14.745842,"9392190"]},{"_index":"complaint-public-v1","_id":"17997882","_score":14.648703,"_source":{"product":"Checking or savings account","complaint_what_happened":"I ordered my food XX/XX/XXXX from a place called XXXX XXXX at XXXX in the morning. at XXXX XXXX  I contacted. XXXX XXXX about me receiving my order because it had already went past the time of delivery. It never was delivered. My order never left the store because the store ended up being closed. still took my order and I was still charged. the first person I talk is XXXX as shown in the files below. XXXX is a XXXX XXXX  representative. I told XXXX my issues which is that the store is closed and I need my money back. XXXX replied XXXX sorry for the miscommunication but I am unable to cancel this order on my end. Request you to wait for sometime. I replied its already been XXXX hours of an ongoing order. XXXX informed me that she could not find the store. Pretty much more and more excuses. As far as trying to get a resolution from XXXX XXXX  every other chat went pretty much like the first one with no one being able to help as that is also in the files of course the same day I filed a dispute on my bank. I found a dispute at XXXX in the morning XX/XX/XXXX I have over probably XXXX calls over the last XXXX weeks about a dispute that has not been solved in involving this case. I want people investigating this because this is equivalent to fraud. Youre telling me the merchant has nothing they can do. The store has nothing they can do and now the bank I told my bank XXXX weeks ago that I want to close my account because they told me I have to wait till XXXX of XXXX for a resolve and thats why Im filing the complaint. Would you be OK with? I recorded todays call the supervisor who basically confirmed all the information I found out. Ive been dealing with a lot of unprofessional representatives who will not and refuse to share their identification numbers. im not eligible for a temporary credit or any type of refund on my bank account because of some article E that chime has which is fine but when I wanted to close my account because Im getting a unjust amount of treatment as a bank account member. that is not protecting the consumer at all. I made a call today at XXXX XXXX  with XXXX the supervisor and XXXX the supervisor of member services, both failing to really give me any identification of who they were. I want this so so I can be able to close the bank account because I am unsatisfied with the timeframe that I was given for us a dispute like this because if it was any bigger number, I would be more angry at the amount that was not credited to me, especially after banking with them so long. people on the merchant side telling me they cant refund me and order was delivered and I got my bank put my dispute off till next year. I want answer and I want a resolve. I was unsatisfied with the customer service rep and all supervisors included. This only raise my suspicion about fraud going on with chime and XXXXXXXX XXXX Here is my audio call phone transcripts- You I just wan na let you know you've been recorded OK Participant Definitely the call is also gon na try to record it for training You Right, right yes sir so what? What's your name again and Participant quality purposes so there's a problem You employee ID? \n\nParticipant You're currently speaking with XXXX. I can give you the ticket number of this conversation. It's only thing I can give you. \n\nYou I would like some like something that I can identify you with like you do not have a identification number or something Participant I can give you the ticket number to find me are you ready? \n\nYou But how that would identify you would identify me Participant Yes, because I'm the one who creates a ticket yes You Was that right? Have you been investigating my dispute or yes or no? \n\nParticipant We're not from the resolution team the resolution team is to investigate that responsibility. We are the dispute team checks the status of the claim and as of the moment it's still on the way. \n\nYou Is still ongoing yes it's been more than XXXX XXXX XXXX  days. Have have I gotten a credit no I haven't gotten a credit because you guys don't rule it and as you guys don't rule it in the lines of it should be it refundable or temporary credit because of what whatever because it is full related delivery related isn't that related but whether or not the dispute is still what it is the dispute now I'm sure I didn't. I didn't put documents and pictures and everything I needed to put to let you guys know the situation so. Delayed and I've called XXXX weeks ago the latest that y'all told me that it'll be solved by XX/XX/XXXX that's an a date that's a date that I got exactly from you guys right and you just usually just confirmed XX/XX/XXXX right so why why do why do I got ta bring it up? I got ta keep bringing up the date like this information. I got XXXX months ago XXXX. I found it when XXXX XX/XX/XXXX. \n\nParticipant Correct Exactly this is the usual dispute calendar days You But I'm not is gon na get ridiculous to the point of I found it in XXXX and I won't get no resolved till XXXX XXXX and that's at his latest date and that's if it get resolved now like I said I'm gone I'm gon na instead of just dealing with you guys like I would deal with you. I'm gon na go to the XXXX XXXX XXXX XXXX and I'm gon na file a complaint there and just let them deal with it. So right now I'm getting out right now. I just want my last update. Give me the Participant All right, I perfectly understand. You'll be long enough for this. \n\nYou last update you got on the dispute. That's why they sent me over here. Got ta talk to supervisor already. They know what I'm on. Just give me my last update so that I can just put my now cause now I'm gon na file my dispute. I mean file my complaint and I'm just gon na let them handle it and me not even worry about it anymore and then eventually just close out completely. \n\nParticipant Apologize to hear that the claim is still ongoing there hasn't been an update yet from the resolution see OK but we can send them a follow up in the request if they could work on it or resolve it as soon as possible but it's not a guarantee so depending on them OK and depending on the investigation OK, cause of the moment it's still ongoing. There's an update yet from that but for the resolution he was doing their very best of take care of this for you and usually they would communicate via email of the member if there is any update. So my suggestion is to keep an eye in your email from time to time You And I understand that in which I have been Participant That's perfect You I know that a dispute takes up to XXXX XXXX  days at maximum which is why y'all saying that I understand that but that's Participant Correct You just that's not in a good timeframe which is why I feel like I got ta complain to the consumer XXXX XXXX XXXX cause this is their lane They're gon na tell you guys OK we need to put this in the forefront because this is not being done in a timely matter and this person has been banking with us know how many years since we started And it just wouldn't make it just wouldn't make sense So I appreciate you I appreciate you. I got my update. It's not. It's not really much that we can be done. We can't expedite the process. We can fast forward. We can't call the person that's Participant I understand You investigating it and be like did you find anything cause there's still no updates Participant That is right there hasn't been no update but You Right right and it's still no no temporary credit no no nothing because I'm not eligible right because something in whatever article E and whatever is Participant Exactly You merchandise and good and is not that correct Yes, I know yeah, that's right. That's right. That's all I was just confirming everything that's all I wanted to confirm. \n\nParticipant That is right according to recreation OK, any other questions","date_sent_to_company":"2025-11-29T19:38:03.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"60827","tags":null,"has_narrative":true,"complaint_id":"17997882","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-11-29T18:54:43.000Z","state":"IL","company_public_response":null,"sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["Have you been investigating my <em>dispute</em> or yes or no? \n\nParticipant We're not from the resolution team the resolution team is to investigate that responsibility. We are the <em>dispute</em> team checks the status of the claim and as of the moment it's <em>still</em> on the way. \n\nYou Is <em>still</em> <em>ongoing</em> yes it's been more than XXXX XXXX XXXX  <em>days</em>."]},"sort":[14.648703,"17997882"]},{"_index":"complaint-public-v1","_id":"4720873","_score":14.568853,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Im writing to report the abusive practices and incompetence of Synchrony Bank with regard to my XXXX/Synchrony credit card, practices that included broken promises, conflicting information, and disgraceful customer service for 11 months which finally resulted in a mishandling of my dispute with a scammer vendor that any other credit card would have resolved in our favor. \n\nOn XX/XX/XXXX, we purchased a XXXX XXXX XXXX laptop computer from a merchant on XXXX for {$1200.00} using our XXXX/Synchrony Bank credit card XXXX Soon after the purchase, we began to have problems with the units power system. After a year and a half of purchasing a series of batteries and power adapters, we found many complaints about this model of XXXX XXXX saying it was a lemon. I reached out to the merchant about how the computer had failed but he refused to accept a return, refund or exchange. \n\nOn XX/XX/XXXX - I called the credit card Id used for the purchase - XXXX/Synchrony Bank - about the possibility of disputing the purchase of a faulty XXXX XXXX  on XXXX. I explained the timeline, to make sure it was a valid dispute given how much time had passed. THE REPRESENTATIVE ASSURED ME THAT MY CLAIM WAS WITHIN SYNCHRONYS ALLOTTED TIME FOR VALID DISPUTES. The representative opened the claim and advised me on how to follow up with my supporting documentations. The rep told me to mail a detailed history of the claim along with receipt, history of the purchase of replacement batteries, and all documented attempts to reach merchant to : Synchrony Bank/XXXX , XXXX XXXX XXXX, XXXX, FL XXXX XXXX The phone call CONFIRMATION # was : XXXX On XX/XX/XXXX, I received an email alert taking me to an affidavit from Synchrony Bank confirming they are reviewing my claim and are working to resolve it. \n\nFrom XX/XX/XXXX-1XX/XX/XXXX, my partner ( additional cardholder ) and I spent many hours gathering the aforementioned documentation and logging a detailing history of our claim. \n\nOn XX/XX/XXXX, I mailed a detailed history of my claim and all supporting evidence to Synchrony Bank via USPS Within a week ( late XX/XX/XXXX ) I received a text confirmation that Synchrony Bank was working on my claim but that it would take longer than usual due to COVID-19. \n\nOn XX/XX/XXXX, I received via email a survey about how well I felt my claim was handled, now that it had been resolved. I had not heard it had been resolved. \n\nOn XX/XX/XXXX, I called Synchrony Bank about the survey and asked what was going on? How could my claim have been resolved when I had not heard anything about it? The representative put me on hold to research my claim. When she returned, she claimed that the dispute was not resolved, was still on-going and that I would hear from them. The representative reassured me and told me that things were taking longer due to COVID. So I deleted that survey email. \n\nOn XX/XX/XXXX, I called Synchrony Bank for an update. The representative told me the claim was resolved. She said it had been denied because Synchrony Bank only disputes purchases made within 60 days of the claim. She claimed Synchrony Bank sent me an email on XX/XX/XXXX, XXXX, telling me claim was closed. She said it was both a letter attached to my account portal AND a letter would have been mailed to me. But I didnt have an on-line account for Synchrony Bank, therefore have no portal. AND I received NO letter in the mail. In fact, the only email I got from Synchrony Bank was on XX/XX/XXXX, telling me Synchrony Bank was reviewing my claim!!! \n\nOn XX/XX/XXXX, Synchrony Bank lowered my credit from {$6000.00} to {$1000.00} even though Ive always paid my balance in full on time, because of inactivity, which for me- is due to COVID. This actually BROUGHT DOWN MY CREDIT SCORE - right when I was considering moving to New York!!! \n\nOn XX/XX/XXXX, I called Synchrony Bank to clear up all these discrepancies. The rep ( XXXX ext XXXX ) said the claim is still open, that they usually take 45-60 days - but because the purchase was so long ago - and due to COVID - its taking longer than usual. She also said that the information that Synchrony Bank DOES NOT LIMIT CLAIMS TO ONES GOING BACK 60 DAYS!!! \n\nOn XX/XX/XXXX, I called Synchrony Bank and spoke with XXXX who said claim is closed She OPENED A NEW DISPUTE, said it will take 90 days. She said that in XXXX days, Id be getting a letter. I NEVER RECEIVED A LETTER On XX/XX/XXXX, I received a digital email from Synchrony Bank saying, We have received an inquiry on your account regarding an amount of {$1200.00} dated XX/XX/XXXX. We are unable to locate a transaction matching that information on your account. I had no idea what this meant. It was confusing. \n\nOn XX/XX/XXXX, I received another survey. Hi! Thanks for working with us on your recent XXXX account dispute, resolved on XX/XX/XXXX. We hope your inquiry was handled quickly and easily! To improve the service we provide, wed like your feedback. Please take a few moments to complete this short survey regarding your experience. Again, since Id not been informed of any resolution, I was confused and frustrated. \n\nOn XX/XX/XXXX, I called and spoke with Pia who looked up our case and said it was resolved in our favor, will be getting a letter in the mail with the details in 7-10 days. I never got this letter. \n\nOn XX/XX/XXXX, I called and spoke with XXXX  who confirmed the dispute was resolved in our favor on XX/XX/XXXX. She said I would receive a letter XX/XX/XXXX, that the money would be credited to our account right away but that it would take 1-2 billing cycles before the funds could be mailed to us as a check. Again, I received no letter. \n\nOn XX/XX/XXXX, I opened an on-line portal for my Athleta credit card account ( which also was a protracted process because I could not close my on-line portal for my GAP ( also Synchrony ) card account that I closed many years ago. ) After finally getting on-line, to my surprise, I STILL had not been credited the amount of the dispute being told TWICE it was resolved in my favor. So I called and spoke with a customer rep who said the dispute was NOT resolved in my favor. This time, after so much misinformation and obfuscation, I asked to speak to a supervisor. He transferred me to a manager. This woman, whose name I forget unfortunately, was rude and patronizing. From the start, she would not let me finish a sentence until I had to assert myself. Even then, she did not listen to anything I said and shut me and my partner down. She said it was never resolved in our favor and when Customer Service Reps say that, it simply means it was resolved. Period. She said that the confusing email from XX/XX/XXXX was because the customer rep ( XXXX ) who reopened the dispute on XX/XX/XXXX put the wrong date down. This manager took no responsibility for the gross incompetence of Synchrony Banks staff through-out entire process. She also claimed that - as opposed to what I was told SEVERAL TIMES- including from the VERY START, the dispute was too old. Though she re-opened the dispute but said that Synchrony Bank will never resolve this dispute in our favor because I still have the computer and it was too long ago. The fact that I asked about the time period on the first day I called, almost a year agoand was assured it was fine, and the fact that I continued to be told that again, during the middle of the processwas irrelevant to her. This is CONTRARY to what I was told originally. Nor is it what I was told through-out the process. Synchrony Bank wasted a week of our time spent gathering the materials, as well as countless hours on these phone calls. They also brought down my credit rating even though I always paid on time. Any other credit card would have resolved this in our favor. Synchrony Bank is reckless and abusive of its customers.","date_sent_to_company":"2021-09-15T05:30:04.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"90069","tags":null,"has_narrative":true,"complaint_id":"4720873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2021-09-15T00:07:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The rep ( XXXX ext XXXX ) said the claim is <em>still</em> open, that they usually <em>take</em> 45-60 <em>days</em> - but because the purchase was so long ago - and due to COVID - its taking longer than usual. She also said that the information that Synchrony Bank DOES NOT LIMIT CLAIMS TO ONES <em>GOING</em> BACK 60 <em>DAYS</em>!!! \n\nOn XX/XX/XXXX, I called Synchrony Bank and spoke with XXXX who said claim is closed She OPENED A NEW <em>DISPUTE</em>, said it will <em>take</em> 90 <em>days</em>. She said that in XXXX <em>days</em>, Id be getting a letter."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[14.568853,"4720873"]},{"_index":"complaint-public-v1","_id":"3696399","_score":14.052164,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my ongoing XXXX chat with Capitol One, beginning XX/XX/XXXX. As I explain in my posts to them, I had already spoken to people on the phone, with no action. I have had credit reduced and a credit card canceled bc they failed to correct their mistake. Their mistake tanked my score down to XXXX. Not okay. The fact that they refuse to take immediate -- or even delayed -- action is inexcusable. Please help! Thank you. \n\nXX/XX/2020, XXXX XXXX Furious with # CapitalOne. They misreported a credit card payment as 30 and then 60 days late in XXXX and XXXX. I have had a {$0.00} balance for over a year. My credit score TANKED. So, I called in early XXXX and they said, yes, there was an error and it would be reported correctly on XX/XX/XXXX. XX/XX/XXXX comes and goes, no change. I had started a dispute the same day. I just got a notice from XXXX  about my dispute. NO CHANGE. Called Capital One, and after waiting forever, the rep was like, oh, it's resolved in your favor and you should be getting a letter that says so. Oh? Then WHY IS IT STILL SHOWING UP AS TWO LATE PAYMENTS?? \" It can take up to two months to show up on your credit report. '' XXXX? I've already had an XXXX card cancelled bc of my credit score .... it had a balance of {$0.00} and they said bc of the lack of use of the card AND my credit score, they were cancelling my card. So, with apparently many creditors feeling anxious about possible overuse of credit during pandemic time, I'm now at risk for losing more credit, which will increase my credit usage percentage and FURTHER TANK MY SCORE, until Capital One gets around to fixing this. I am beyond furious and I am helpless to do anything about it. \n\nHey XXXX! Thanks for bringing this to our attention ... we can completely understand why you're frustrated. Would you share the full name and zip code attached to the account? XXXX Yes, thanks. XXXX, XXXX XXXX XXXX Thanks! Did you ever receive a case number, or did you get an agent ID from an agent who was helping you with the credit bureau dispute? ^XXXX  From XXXX. Hold on. \nXXXX I was told on the phone today that I'd be receiving a letter, but I don't have that yet. I was assured by the rep I spoke with in early XXXX that the XX/XX/XXXX reporting would clear this up. But, it seems nothing would have happened if I had not opened a dispute. \n\nGotcha. Do you know the last four digits of the account you're referring to? ^XXXX  XXXX Thanks! And just to further clarify ... the last time you called were you able to speak directly to a supervisor about this? XXXX No, I didn't think I needed to. The woman I spoke with said that I was correct, that my balance had been {$0.00} on that card for about a year, and perhaps it was bc I set up for autopay that the system made the error. She said it would be reported correctly on XX/XX/XXXX. \nToday I did not speak w a supervisor either. \n\nWith the XXXX  dispute number you provided, I can't see the details of that, but have they had any communication with you about this at all? We know it's all frustrating, but it does fall on the credit bureaus to update the information if we were able to fix the incorrect reporting during the dispute process. ^XXXX  There are two separate issues here. ( 1 ) My initial phone call during which I was told C1 would provide the correct information on XX/XX/XXXX. ( 2 ) My disputes that I opened with the credit bureaus. Let 's forget about the second thing and discuss the first. That is when I was told that C1 would correct the error that was made through no fault of my own. I was told it would be fixed. I only submitted the dispute as a back up. It is NOT up to the credit bureaus to correct information when they are being provided incorrect information, which is what happened her. It is up to C1 to provide the correct information NOW. It should have been fixed on XX/XX/XXXX. There is not a single acceptable reason for why C1 did not fix its error on XX/XX/XXXX. I should NOT have to wait for two or three cycles for this to \" fix itself. '' As I said, my credit score TANKED bc of this. I had an XXXX card closed bc of my \" new '' score. \nSo, that caused my credit utilization percentage to go up with further tanked my score. \n\nI appreciate the additional information. Can you share your best contact number? I'll forward your concerns over to a supervisor, so they can review and follow up with you. ^XXXX  Thank you. XXXX. \n\nNo problem! A specialist should be in touch within about 5 business days. ^XXXX  Thank you. \n\nMon XXXX XXXX  I'm still waiting to hear from someone. I just had ANOTHER credit card decrease my limit because of this error. I'm losing patience. \n\nHey XXXX! Thanks for following up. I've sent another request for someone to contact you about this ... we appreciate your patience. ^XXXX  Thank you. I don't have any patience since the letter I opened today from another credit card lowering my limit due to my credit score.\n\nWe understand. I've marked my request as urgent, will follow up if they have trouble contacting you. ^XXXX  Wed XXXX XXXX I have still not heard from anyone. \n\nYour case has been escalated and you should be hearing from our leadership team. ^XXXX  Thank you. \n\nYou are welcome. And thanks for reaching out to Capital One via the social media channels. ^XXXX   XXXX XXXX  Two weeks and I've heard nothing.","date_sent_to_company":"2020-06-12T19:41:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"223XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3696399","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-06-12T19:30:42.000Z","state":"VA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They misreported a credit card payment as 30 and then 60 <em>days</em> late in XXXX and XXXX. I have had a {$0.00} balance for over a year. My credit score TANKED. So, I called in early XXXX and they said, yes, there was an error and it would be reported correctly on XX/XX/XXXX. XX/XX/XXXX comes and <em>goes</em>, no change. I had started a <em>dispute</em> the same day. I just got a notice from XXXX  about my <em>dispute</em>. NO CHANGE."]},"sort":[14.052164,"3696399"]},{"_index":"complaint-public-v1","_id":"11660426","_score":13.946293,"_source":{"product":"Credit card","complaint_what_happened":"Hello : this is in reference to a dispute I filled with Citizens bank XXXX division for a purchase of services with XXXX XXXX XXXX  on XX/XX/XXXX for a cost of {$9700.00} dollars We tried to use their systems XXXX XXXX and found their services fell short of agreed savings quoted them I filled a dispute with Citizens on XX/XX/XXXX with the reason of not receiving service XXXX promised ref. claim XXXX an e-mail to Citizens disputes which included documents and emails or lack there of with XXXX XXXX I had not heard from citizens XXXX so we called and was told it was still at disputes, and I sent additional documentation to Citizens Dispute email requested a call from Disputes with the status, I never received a call back XX/XX/XXXX, XXXX and XXXX Called citizens CC for a resolution of the dispute since it has been going on so long. on all XXXX dates they submitted requests to Disputes to call or email me with the status I never heard from them XX/XX/XXXX I noted a credit to my cc account for the {$9700.00} When I called them they said it was a temporary cridit and that it was still in Dispute XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that it is a temporary credit and that it could take another XXXX payment cycles which is what they told me when I originally filed the Dispute in XXXX. \ndid not receive a call XX/XX/XXXX, I called and spoke to XXXX who told me the dispute would be resolved by XX/XX/XXXX I requested another status call from Disputes he said he would pass it on ( Note there is no phone number or email available to go directly to Disputes ) did not receive a call I received a call back from XXXX XXXX division who promised to request a call back to me from disputes on the status. did not receive a call XX/XX/XXXX called for a status spoke to XXXX and she promised to pass on my concerns to Dispute and to have them call me back did not receive a call XX/XX/XXXX I called Citizens XXXX for a status, I spoke to XXXX who stated the dispute was not filled when requested ( end of XXXX ) rather it had a XX/XX/XXXX date. She told me the resolution should happen by XXXX XX/XX/XXXX I requested a call from Disputes and she said she passed it on did not receive a call XX/XX/XXXX citizens XXXX XXXX sounded like XXXX stated that the credit from the XXXX charge of {$9700.00} is permanent. based on that information I later closed the credit card. please use this information to pull up the recording on that date from myself, to your agent as substantiation for my claim At that time the account had a ( XXXX ) balance. \n\nXX/XX/XXXX I noted a charge on the cc which surprised be because it was closed, I called Citizens XXXX and was told that Citizens had rebilled me, I immediately made a dispute against the charge and sent an email to Disputes listing justifications I was told that the Dispute had been generated XXXX, XXXX I received a text from collection agency stating I was late on the Citizens XXXX I thought this was a scammer or something XX/XX/XXXX called Citizens XXXX XXXX XXXX about the collection text they said the recharge was Dated XX/XX/XXXX the representative then transferred me to XXXX who did not see notes from the Department, I asked them to stop collections whil the dispute is ongoing, he said he did not have that authority and he transferred me to Fraud XXXX XXXX was the agent who answered stated that based on her notes that a second review of the claim was sent and she had no other information Claim XXXX I was then sent to collections and spoke to XXXX who XXXX that he could not see any issues and said the CC is XXXX. I was then transferred to XXXX said she could not see most of history on this dispute and stated it is in Disputes and stated that most of the information is in the back office which she does not have access to XX/XX/XXXX Sent email to citizens Dispute requesting a status in the mean time the collection agency is texting me Below you will see some of the supporting e-mails XXXX Hello, I found a note that on XX/XX/XXXX your agent sounded like XXXX stated that the credit from the XXXX charge of {$9700.00} is permanent. based on that information I later closed the credit card. please use this information to pull up the recording on that date from myself, to your agent as substantiation for my claim From : From : XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : case # XXXX XXXX Please reply with an update From : XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Cc : z Subject : Re : case # XXXX XXXX Original dispute XXXX I was told some time ago by your CC representative that this dispute was closed, and the credit was permanent, now I see it back on the books under dispute status I have provided considerable documentation on this matter and would like to see this dispute in my favor I used Citizens CC because it states that they would help support my position if products and services are not received. This is the case in this matter and I expect the support you presented in your documentation when I applied for the CC From : Sent : Sunday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Cc : z Subject : XXXX : case # XXXX Please reply on the status of this issue. \n\nThank you, Sent : Wednesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Cc : Subject : case # XXXX From : To : Citizens CC disputes Subject : Dispute XXXX ( XXXX XXXX Vacations ) Dear sir/madam I Received your disputes document dated XXXX XXXX explaining some of the rebuttals of my dispute by XXXX. \n1. Please note that the dispute was generated less than 30 days from the Credit card pending debt and I was told that the dispute would be resolved in less than 2 billing cycles, It has been over 5.\n\n2. I communicated with Citizens XXXX division by phone and via emails on many occasions offering additional data and requesting feed-back of the status, I have received very few call backs and just XXXX letters, XXXX verifying that it is under dispute and this letter dated XX/XX/XXXX. \nXXXX. On all my communications I was told that the disputes department was waiting for a response from the ( XXXX ) XXXX. In XXXX I called again and was told that the temporary credit was a firm credit, I had the representative verify and repeat this and she assured me that it was a permanent credit. The conversation was on a recorded line so verification of that is within your means, please do. \nXXXX. With that said why am I receiving a letter out of nowhere stating that it has been re-billed XXXX. In review of the documentation given by XXXX I have this rebuttal a. It states we were given 3 days to cancel, in fact we were told outright that we will not have 3 days to cancel. \nb. They list a Viking cruise. I have proof that I booked the cruise months before meeting XXXX and that they convinced my wife to have an agents name put on the reservation. I later discovered this and asked them to remove themselves as my agent and they refused stating it was not their policy even though XXXX XXXX XXXX stated that all they had to do was ask to be removed. This restricts me from making any changes/control to the trip. We have planned and saved for 3 years to have this trip. \nc. It mentions a booking of a rental car, I did not rent a car through them or anyone for that period XXXX. At the sales meeting with them they promised to beat other rates excluding airlines. I tried them on an upcoming trip soon after and discovered that they could not beat the basic rates. \nXXXX. Customer service and timely replies is terrible as you must concede based on the months it took them to reply to your requests XXXX. I believe XXXX world vacations is scamming the older populations with promises of incredible savings but then giving them documentation promising XXXX with verbal statements like dont worry about that we have you covered, trust me XXXX. I used a Citizens XXXX for this purchase with the understanding that Citizens would help support my claim against unscrupulous and predatorial entities bent on exploiting senior citizens.","date_sent_to_company":"2025-01-17T21:51:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"321XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"11660426","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2025-01-17T20:14:09.000Z","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":["the {$9700.00} When I called them they said it was a temporary cridit and that it was <em>still</em> in <em>Dispute</em> XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that it is a temporary credit and that it could <em>take</em> another XXXX payment cycles which is what they <em>told</em> me when I originally filed the <em>Dispute</em> in XXXX."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.946293,"11660426"]},{"_index":"complaint-public-v1","_id":"14859900","_score":13.601168,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX My XXXX XXXX are consolidated in forbearance and not accruing interest due to XXXX RelieXXXX act. \n\nXXXX XXXX changes service platform/portal access, Resulting in technical issues locking me out of my account and not properly transposing loan and personal information to new servicing account. \n\nXXXX XXXX XXXX payment resume, Still unable to access account or resolve issue with XXXX due to technical issues, Site outages, portal down times. 3+ call times to be informed \" try back at a later date '' XXXX Retroactive forbearance placed on student loan accounts due to Department of educations on-ramp program announced by XXXX XXXX. Loans Supposed to be back in Forbearance. \n\nXXXXTechnical issues continue with XXXX, unable to contact customer service in a reasonable time frame, Issues continue into XXXX. \n\nXXXXEventually able to get access to my account to find out my contact information has been switched to a toll free phone number, that was contributing to being unable to recover/access the account. The company will not release who authorized this or when the change was made. All contact and personal information corrected by me on the website. First time being able to view loan information since portal transition in XX/XX/XXXX. Loans now appear to be past due, unconsolidated and no longer part of an XXXX plan. \nInformed my loans are now past due and a negative credit report will be filled at the end of the month if payment is not made. \n\nXXXX Payment of {$1800.00} made to bring all loans current. XXXX plan and loan consolidation paper work resubmitted. \n\nXXXX All 9 of my now unconsolidated loans, reported to the credit company as 9 separate delinquent accounts dropping my credit score by XXXX points. \n\nXXXX XXXX contacted, 90 minute wait time, actually able to speak to a supervisor about the issues to my credit score and account/loan information. Informed there are a lot of \" weird and unusual '' issues with my account, she stated she believes there to be numerous errors and mishandling of information and would like to launch an investigation, to fix my account and reverse the negative reports. Informed it would take about 30-60 days for the investigation and credit changes to take effect. \n\nXXXX Contacted XXXX for an update on the investigation, 90 minute wait time informed that the investigation was completed and that I should see the changes on my credit report and account in another 30 days. \n\nXXXX Still no changes to my credit score, Contacted XXXX for an update, Speaking to a different supervisor now, who informed me that they have changed their mind and will not be fixing my credit score. The supervisor was unwilling to provide me with a copy of the investigation results, and told them they handle everything internally and I am not allowed access to my own account information and discrepancies. Requested a transcript of the chat/call logs I had with the previous supervisor and this phone call as well. Informed they would mail it out to me in 7-10 business days. Supervisor unwilling to escalate the case to his superiors, or provide me with any additional information at this time. \n\nXXXX Received an automated email from XXXX responding to the request of transcripts that were allegedly being mailed stating that I can review my loan details by logging online to the portal. \n\nXX/XX/XXXX Contacted XXXX ( 70 mins hold time ) to see if this automated response was all I was going to receive in the way of transcripts and documentation. Informed that XXXX does not send out chat/call logs, and it is very irregular that someone told me they would. Attempting to escalate to a supervisor was transferred to an automated service stating I would receive a call back from a supervisor in 2-3 business days. \n\nXX/XX/XXXX XXXX Missed call from XXXX , Left a message to call them back at the XXXX number no direct line of contact. \n\nXXXX Contacted XXXX number to attempt to talk to supervisor, transferred to automatic service stating I would receive a call back from a supervisor in 1-3 business days. Dispute filed with XXXX credit bureau to see if they can conduct an investigation to get required information/resolution from XXXX. \n\nXX/XX/XXXX Call back received from XXXX while I was at work, Answer phone explained I can not talk right now as I work in an XXXX XXXX, asked if I could get a phone number to call her back direct informed that is not possible, asked if they could call me back today at around XXXX told they would. Took my lunch at noon to be ready for a phone call, No call back ever received. \n\nXXXX XXXX  dispute resulted, were unable to get required information from XXXX, additional dispute started and escalated by XXXX customer service XXXX Recommended to file a CFPB dispute as well by XXXX customer service XXXX \n\nThis is a current and ongoing issue for myself and I'm sure many others. XXXX is constantly under investigations and involved in lawsuits by multiple state attorney generals, regulators and the general public. Their negligent business practices, mishandling of accounts/ borrower information, technical issues and abysmal customer service is detrimental to XXXX  of XXXX 's. They clearly lack the ability and integrity to be responsible for the livelihood of XXXX  of hard working students and professionals of the XXXX  public.","date_sent_to_company":"2025-07-24T17:52:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"98503","tags":null,"has_narrative":true,"complaint_id":"14859900","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-24T17:51:42.000Z","state":"WA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Informed it would <em>take</em> about 30-60 <em>days</em> for the investigation and credit changes to <em>take</em> effect. \n\nXXXX Contacted XXXX for an update on the investigation, 90 minute wait time informed that the investigation was completed and that I should see the changes on my credit report and account in another 30 <em>days</em>."]},"sort":[13.601168,"14859900"]},{"_index":"complaint-public-v1","_id":"6466866","_score":13.5992155,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XXXX XXXX XXXX to my card was loaded with my XXXX  benefits. When I woke up on XXXX XXXX at XXXX XXXX I discovered that my purse had been stolen from my car inside my purse with my wallet inside my wallet was my debit card or a prepaid card from Bank of America for XXXX benefits.  \n\nIve I never seen that. My car has been broken into in my personal. I immediately got online and locked my XXXX  benefits card, and saw immediately that there was three transactions that I did not make. After seeing this, I immediately looked at my three other credit cards and found that there was transactions on each of those that were not made by me.\n\n I immediately got on the phone with Bank of America in notify them that my purse have been stolen from my car, and that they were transactions that were not mine that consumed almost all of my benefits that were just loaded onto the card. I explained to them that I immediately locked my card and following that I filed a police report. the phone with them to make them aware and dispute the charges.  \n\nFirst, I was told I could not displaying any charges that were pending and I would have to wait 7 to 10 business days for those charges to be posted to the account before I could dispute them despite the fact that I already had a police report, and I told them that those charges were not legitimate mine, and that I was XXXX  because I was so XXXX  in need of the funds as my card I just been loaded. \n\nI was told by Bank of America to go back in after the transaction supposed to file a formal dispute. It took five days for the transactions to post to my account, allowing me to then call back to Bank of America and spend godly hours waiting on hold to speak to their claims department. After going through the process of filing and notifying them that the fraudulent activity and filing the claim on 4 transactions (1) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX thats were loaded to the card the night before. \n\nAfter filing the claim with Bank of America, I was told that it could take up to 90 days for them to respond and that there was nothing that they could do about the phones and there was nothing that they can do to help me cancel the pending transactions so that I could take the funds in my account. They said the only thing they could do was issue me a new card so they issued me a new card. I was told at the time that they could issue a provisional credit if the investigation wasnt complete within 21 business days 21 business days is a long time to go without any funds. I supplied Bank of Americas claim department with my please report not once not twice, but three times because they kept losing it and claim they never had it even though I had proof of the fax going through.  . No money for 2 weeks but Bank of America could have prevented this. But didnt. They could have cancelled the pending transaction and I would have my money back though obviously I would not be able to use the funds until my new card came in the mail, which by the way they had to be in two business days. days for the dispute begin.   \n\nI called every other day and spoke to the claims department looking for an update on my claim Nothing two weeks went by and there was no update.  \n\nDuring my call on XXXX XXXX  with Bank of America claims department looking for an update after spending almost an hour and a half on hold. I spoke to an agent who told me your claim has been processed. You should receive your credits within the next 24 hours in my opinion, that meant all of my claims have been processed, and that I would be receiving the credit for all four transactions.  NOT TRUE. The next day there was a dispute refund to my account for $XXXX. None of the other charges No explanation know nothing.  I once again get on the phone and call Bank of America claim department and spent 47 minutes on hold and finally spoke to a supervisor who told me they mailed your letter letting you know why the other items were denied. I said OK well since you guys still use snail mail, could you please advise me on the reason and if there is an appeals. I was told that at that time the other three claims were denied because they did their investigation and determined that either I or someone  l let you use my card made those transactions.  There is no proof, no explanation no  nothing. All I had to do was take their word for it and I told him that that was absolutely unacceptable and they just approved one of the fraudulent transactions that all happened at the same time same location same vicinity why would they not approve the others, and the Lady was so rude and told me nothing. \n\nI was told I could request copies of the documentation that they use to determine their decision and that I could also file for a reevaluation. I explain to the customer service agent that I absolutely want to copies of the documentation that they use and furthermore, I wanted all of my claims to be re-looked at because they approved one but didnt approve the other three which made no sense because the transactions all happen back to back to back with each other, and it was not made by me and I was not even in the vicinity to make those transactions I confirmed that they had my please report on file as well to support my claim and to lo and behold they did not have it so I had to send it again for the fifth time, and I kept the supervisor on the phone with me until she received it and place it in my file. The supervisor made a note that it was strange that they approve one transaction, but not all of the transactions given the situation and that the police report was included. I was told it would take up to 15 business days for me to receive the documentation that they used to determine my claim and in the meantime, they would submit my claim for a reevaluation \nOn XXXX XXXX I received a piece of paper in the mail, and that was my explanation of the reason for denying, and all it was was literally a copy of my online check, register, showing the transactions that have been made in the account. No proof that a pin was used or not used for making the purchases or transactions. No video surveillance no evidence none zero but yet they had a police report that completely showed them and prove to them that my information was stolen and not only that I also explained to them that I had four other credit cards that were charged, and that I was in the process of disputing.  NO PROOF NO REAL INVESTIGATION NO NOTHING. \n\nI am mediately got back on the phone with Bank of America spoke with her claims department and let them know that I absolutely contested I want to appeal their information used because there is no way that they did an investigation if that is all of the other if they came back with, and furthermore, it literally took them three weeks to be able to come up with a copy of my check register that is ridiculous. I was told that they in fact submit for a third review of my claim and she flat out told me it being so it has already been denied the first and second time you can pretty much assume that it will be denied the third time unless you have additional information to submit to be considered I told her the only additional information I had had already been submitted five times and luckily she confirmed that it was still part of the account and part of the case and that wouldve been the police report The police report was not even listed as their evidence, and used to, or assisted in the determination of the case of the outcome of the case  \n\nI requested a provisional credit or any form of assistance while they continue their investigation their fake investigation, and I was told that once a claim is denied provisional credits are no longer an option. It doesnt matter how many times it gets reinvestigated or reluctant, and if there was nothing, they could help me do to get my $XXXX  back.   \n\nHere we are XXXX and I still have no final\nResults from Bank of America. According to them, the claim is be reevaluated as requested and a half up to 90 days to respond.   So far still nothing. The original 90 days start from the very day that you asked for it to be reopened not from the original claim. \n\nI have missed my rent payment and my utilities and my car payment that is supposed to be my means to look for work. All because bank of Americas is a scam and they have no real investigations and clearly this is an ongoing issue because just this past year a few months ago they were find XXXX XXXX per this article for the same exact allegations. I am not the only person youre doing this to add this needs to stop\n\nFinancial Protection Bureau (CFPB) fined Bank of America XXXX XXXX for botching the disbursement of state unemployment benefits at the height of the pandemic. Bank of America automatically and unlawfully froze peoples accounts with a faulty fraud detection program, and then gave them little recourse when there was, in fact, no fraud. Todays order requires Bank of America to undertake a process that is estimated to result in hundreds of millions of dollars in redress to consumers. In a separate order, the Office of the Comptroller of the Currency (OCC) is also fining the bank XXXX XXXX.\n\nTaxpayers relied on banks to distribute needed funds to families and small businesses to rescue the economy from collapse when the pandemic hit, said CFPB Director XXXX XXXX. Bank of America failed to live up to its legal obligations. And when it got overwhelmed, instead of stepping up, it stepped back.\n\nBank of America XXXX XXXX is a national bank headquartered in Charlotte, North Carolina, with approximately 4,100 branches. It has been designated as a global systemically important bank by the Financial Stability Board, and as of XXXX XXXX XXXX, the company had XXXX XXXX  in consolidated assets, which makes it the second largest bank in the United States. The bank has previously been sanctioned by the CFPB. In XXXX, the CFPB ordered Bank of America to pay XXXX XXXX in redress to its victims for illegal credit card practices. And in XXXX  of this year, the CFPB ordered Bank of America to pay a XXXX XXXX civil penalty over unlawful garnishments.\n\nBank of America has contracts with various state agencies to deliver unemployment and other benefit payments to consumers electronically through prepaid debit cards and accounts. For example, since XXXX, Bank of America has had an exclusive contract with the State of California to deliver unemployment and other benefit payments to California consumers electronically through prepaid debit cards and accounts. Under the Electronic Fund Transfer Act, consumers are protected when they use electronic methods to transfer money; this includes prepaid cards. Protections include that after a consumer contacts the financial institution that there has been an error, the financial institution must conduct a prompt, reasonable, and timely investigation.\n\nWhen the COVID-19 pandemic hit in early XXXX, the unemployment rate surged. Millions of consumers sought unemployment insurance benefits. The surge included a great deal of fraud. There was a significant amount of identity theft that affected eligible cardholders with legitimate prepaid debit card accounts but there were also a significant number of criminals who applied for and began receiving unemployment insurance benefits who filed false error claims to access additional funds.\n\nIn its investigation, the CFPB found that Bank of America engaged in unfair and abusive acts and practices that resulted in Californians not getting their unemployment benefits at the height of the pandemic, when many people needed the money the most. Specific findings include that the bank:\n\nReplaced reasonable investigations with a faulty fraud filter: In the fall of XXXX, and continuing through mid-XXXX, Bank of America changed its practices for investigating prepaid debit card fraud on the unemployment insurance benefit accounts. Instead of conducting reasonable investigations, it implemented a fraud filter with a simple set of flags that automatically triggered an account freeze. This set a low bar to freeze the unemployment insurance benefits of many people, harming thousands of legitimate cardholders needing the money. The bank also retroactively applied its fraud filter to deny some notices of error submitted by prepaid debit cardholders that the bank had previously investigated and paid.\nLeft distressed consumers in the lurch: Bank of America made it very difficult for people to unfreeze their prepaid debit cards or for people to report fraudulent use of their cards. People with unemployment insurance benefit prepaid debit cards could not make reports online, or in person at bank branches. People were on hold for hours every day for weeks trying to talk to someone at the bank. Furthermore, the bank told customers they had agents available 24 hours a day, seven days a week, when, in fact, it operated a more limited schedule for its claim call center. Because Bank of America was the strongly preferred provider for California unemployment benefits, consumers were caught without any choice to switch providers.\nPassed the buck to an overwhelmed state agency: When consumers sought assistance, the bank often sent them back to the California state unemployment department for verification in order to regain access to their benefits. But the bank knew the department was stretched and unable to provide services; the bank met with the department dozens of times in the summer of XXXX  and should have known it was essentially redirecting people into a black hole.\n\nThe attachment includes a screenshot of my transaction history showing the $XXXX  dispute and the $XXXX  refund it is failing to show the additional charges that were part of the same dispute once again their way of hiding what they have done. Red are they did not approve \n\nhttps://www.consumerfinance.gov/about-us/newsroom/federal-regulators-fine-bank-of-america-225-million-over-botched-disbursement-of-state-unemployment-\nbenefits-at-height-of-pandemic/","date_sent_to_company":"2023-01-21T12:29:14.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"93619","tags":null,"has_narrative":true,"complaint_id":"6466866","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-01-21T11:30:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["I was <em>told</em> by Bank of America to <em>go</em> back in after the transaction supposed to file a formal <em>dispute</em>. 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