{"took":958,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":20119,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4457930","_score":13.033413,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My chase Amazon visa credit card had incorrectly filed my dispute as \" cancelled charge '' when I had called customer service for a Double charge. I contacted them and showed them the second charge, and they said they could \" no longer recover the fund '' because 60 days had passed. Attached is my insurance payment showing this same charge was Also charged to my insurance.\n\nThis is a violation of FCBA because Chase 's dispute department had incorrectly filed my dispute and is now saying they are unable to return the charge due to their mistake. I spoke to customer service several times, including XX/XX/XXXX, XXXX with XXXX XXXX, an account supervisor.","date_sent_to_company":"2021-06-14T17:29:11.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"11427","tags":null,"has_narrative":true,"complaint_id":"4457930","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-06-14T16:58:39.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This is a violation of FCBA <em>because</em> Chase 's <em>dispute</em> department had incorrectly filed my <em>dispute</em> and is now saying they are unable to return the <em>charge</em> due to their mistake. I spoke to customer service several times, including XX/XX/<em>XXXX</em>, <em>XXXX</em> with <em>XXXX</em> <em>XXXX</em>, an account supervisor."],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.033413,"4457930"]},{"_index":"complaint-public-v1","_id":"21155095","_score":12.994729,"_source":{"product":"Checking or savings account","complaint_what_happened":"I had a chime account and I was in the process of disputing Id say XXXX items maybe XXXX because of charges on my account that werent supposed to be there, XXXX of those charges Ive showed proof stating the company would issue a refund, I kept disputing a charge XXXX  times because they denied my dispute saying it was supposed to happen or was authorized, when providing them proof of the charges not suppose to happen and the companys stating they would issue a refund.","date_sent_to_company":"2026-04-11T05:04:11.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"727XX","tags":"Servicemember","has_narrative":true,"complaint_id":"21155095","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-04-11T04:58:37.000Z","state":"AR","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I had a chime account and I was in the process of <em>disputing</em> Id say <em>XXXX</em> items maybe <em>XXXX</em> <em>because</em> of <em>charges</em> on my account that werent supposed to be there, <em>XXXX</em> of those <em>charges</em> Ive showed proof stating the company would issue a refund, I kept <em>disputing</em> a <em>charge</em> <em>XXXX</em>  times <em>because</em> they denied my <em>dispute</em> saying it was supposed to happen or was authorized, when providing <em>them</em> proof of the <em>charges</em> not suppose to happen and the companys stating they would issue a refund."]},"sort":[12.994729,"21155095"]},{"_index":"complaint-public-v1","_id":"1765532","_score":12.953446,"_source":{"product":"Bank account or service","complaint_what_happened":"I XXXX 2015 I disputed a charge from XXXX in the amount of {$380.00} because I paid them to repair my fridge, and it was not completed correctly. I called Bank of America on XXXX XXXX, 2015 and filed to dispute and they credited it back to my account on that same day. In XXXX they sent me a copy of the receipt XXXX had sent them stating the charge was valid because I signed. I never said I did n't make the charge - XXXX never made the repair good or honor their warranty.","date_sent_to_company":"2016-01-30T13:52:43.000Z","issue":"Using a debit or ATM card","sub_product":"Checking account","zip_code":"75219","tags":null,"has_narrative":true,"complaint_id":"1765532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-01-30T13:52:43.000Z","state":"TX","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I <em>XXXX</em> 2015 I <em>disputed</em> a <em>charge</em> from <em>XXXX</em> in the amount of {$380.00} <em>because</em> I paid <em>them</em> to repair my fridge, and it was not completed correctly. I called Bank of America on <em>XXXX</em> <em>XXXX</em>, 2015 and filed to <em>dispute</em> and they credited it back to my account on that same day. In <em>XXXX</em> they sent me a copy of the receipt <em>XXXX</em> had sent <em>them</em> stating the <em>charge</em> was valid <em>because</em> I signed. I never said I did n't make the <em>charge</em> - <em>XXXX</em> never made the repair good or honor their warranty."]},"sort":[12.953446,"1765532"]},{"_index":"complaint-public-v1","_id":"3224565","_score":12.86897,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello, On XX/XX/2019 unauthorized charges were made on my NetSpend prepaid debit card account totaling XXXX. These charges were made in XXXX XXXX, FL and I live in XXXX, Mo. I disputed these charges with NetSpend and was informed to contact them today XX/XX/2019 for provisional credit. As advised I contacted them today and found out that they are holding me liable for these charges because my account shows that it's set up with text and email alerts. I informed them that I only get deposit information to my phone, however I do not get information when charges are made on my card. The email address they send alerts to is one that I don't have access to and haven't in years. I am desperate because this was all the money I had in my account and they are refusing to give it back to me. They didn't apply a provisional credit to continue the investigation and have closed the dispute. I am fighting for my funds back because I was in XXXX XXXX while this person was charging my card and when my card was locked, I tried calling them but their line was closed. I had no choice but to wait until the next morning to dispute. Please help me!!","date_sent_to_company":"2019-04-27T05:22:10.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"63136","tags":null,"has_narrative":true,"complaint_id":"3224565","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2019-04-27T00:59:35.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Hello, On <em>XX/XX</em>/2019 unauthorized <em>charges</em> were made on my NetSpend prepaid debit card account totaling <em>XXXX</em>. These <em>charges</em> were made in <em>XXXX</em> <em>XXXX</em>, FL and I live in <em>XXXX</em>, Mo. I <em>disputed</em> these <em>charges</em> with NetSpend and was informed to contact <em>them</em> today <em>XX/XX</em>/2019 for provisional credit. As advised I contacted <em>them</em> today and found out that they are holding me liable for these <em>charges</em> <em>because</em> my account shows that it's set up with text and email alerts."]},"sort":[12.86897,"3224565"]},{"_index":"complaint-public-v1","_id":"9167319","_score":12.853135,"_source":{"product":"Credit card","complaint_what_happened":"I contacted SELF regarding a fraud alert I received on XX/XX/XXXX, at the time only XXXX fraud charges were pending, which I disputed imagine my surprise today to see that not only did SELF deny my dispute because they stated that I logged into the app on XX/XX/XXXX & That the chip was used during this transaction. Of course I logged into the app to see what fraud transactions were made so that I can call them to dispute it. And of course the chip was used my card was lost and used in what it looks like NY & NJ which i DO NOT live. Now there is a balance {$580.00} & im not paying a cent of it because I did not make these charges. Also at the time I called in on XXXX there were only a XXXX charge pending and then today theres now another XXXX charges that were never pending or posted to my account. I challenged SELF on this because how did you guys not see these other charges as if they approved them to go through even after locking and replacing my card! I have provided a screenshot showing that I stayed no to the charge and they still allowed multiple Other fraud charges to go through! Now they are stating that I am responsible for these charges when I didnt make any of them.","date_sent_to_company":"2024-06-04T01:27:22.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"28117","tags":"Servicemember","has_narrative":true,"complaint_id":"9167319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2024-06-04T01:23:41.000Z","state":"NC","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I contacted SELF regarding a fraud alert I received on XX/XX/<em>XXXX</em>, at the time only <em>XXXX</em> fraud <em>charges</em> were pending, which I <em>disputed</em> imagine my surprise today to see that not only did SELF deny my <em>dispute</em> <em>because</em> they stated that I logged into the app on XX/XX/<em>XXXX</em> & That the chip was used during this transaction. Of course I logged into the app to see what fraud transactions were made so that I can call <em>them</em> to <em>dispute</em> it."],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.853135,"9167319"]},{"_index":"complaint-public-v1","_id":"7611463","_score":12.815412,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/2023 i purchased an engine from XXXX XXXX owns a XXXX locating services. I gave XXXX credit card information to charge my card for {$7000.00} the {$7000.00} charge appeared on my app letting me know that the transaction was completed. XXXX informed me that the funds were not available to him on his side. I had a carrier there to pick up the engine but they would not release the engine because the funds were not available to him at that time. We agreed to cancel the original transaction by having him, reject it to make the funds immediately available back to me. I then called Barclays my credit card company on a three-way call with XXXX to make sure that when he rejected the original payment of XXXX that it came back to my credit card. Once XXXX assured me that the money was returned on XX/XX/XXXX, i then approved a {$3500.00} charge to XXXX and then I sent him {$3500.00} through cash app to complete the transaction of a purchase of a {$7000.00} engine. The XXXX {$3500.00} transactions appeared on XXXX systems and he then released the engine. A few days later, I noticed a an additional charge of {$7000.00} from XXXX XXXX locating services which is XXXX business. I called my credit card company to dispute the additional {$7000.00} charge that process went on for a few weeks, there was some confusion about what I was disputing. They refunded me {$3500.00}. I wasnt sure why I told them again that I was disputing the additional {$7000.00} charge because I sent XXXX XXXX locating services XXXX payments of XXXX which completed the purchase of a {$7000.00} engine. Barclays then took the XXXX credit back. I sent them proof of the XXXX transactions of {$3500.00}, XXXX on the credit card and the other on cash app. I was then informed that the time to dispute the transaction was outside of their terms of disputing transactions. I called back and stated that I disputed this transaction a few days after I noticed the additional charge. Barclay said that that dispute was closed because I already received a credit of {$7000.00} but that credit was because he rejected the original purchase not because of a result of a dispute. And because of all the back-and-forth now theyre telling me that its too late to dispute the same {$7000.00} additional charge that I was asking them to look into from the very beginning but now its too late to dispute. The original credit of the XXXX that I received was because the merchant and I agreed to reject that transaction because the funds were not showing to be available at that time not sure why maybe because of the time of the day had something to do with it because I think it was like XXXX. So we decided to break it up into two smaller transactions. There was no dispute there. We agreed on that with Barclay on a three-way call with the merchant because I wasnt going to authorize an additional {$3500.00} transaction until I felt comfortable with the original XXXX credit return to my cart. So buy them closing the my original dispute that was an error on their part not mines. Please help because Barclays is not playing fair.","date_sent_to_company":"2023-09-27T14:02:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"15212","tags":null,"has_narrative":true,"complaint_id":"7611463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2023-09-27T12:57:41.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I wasnt sure why I told <em>them</em> again that I was <em>disputing</em> the additional {$7000.00} <em>charge</em> <em>because</em> I sent <em>XXXX</em> <em>XXXX</em> locating services <em>XXXX</em> payments of <em>XXXX</em> which completed the purchase of a {$7000.00} engine. Barclays then took the <em>XXXX</em> credit back. I sent <em>them</em> proof of the <em>XXXX</em> transactions of {$3500.00}, <em>XXXX</em> on the credit card and the other on cash app. I was then informed that the time to <em>dispute</em> the transaction was outside of their terms of <em>disputing</em> transactions."],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.815412,"7611463"]},{"_index":"complaint-public-v1","_id":"13874616","_score":12.798586,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/2025 a person named XXXX XXXX charged my credit card for a fight night showing. I disputed it as fraudulent on XX/XX/2025. On XX/XX/2025, Citi sent a letter asking me to prove I canceled the charge and provided me with the guy 's name and email and the XXXX order #. I told them that their letter proved I didn't make the charge since they provided the charge was made by XXXX XXXX and not me and not on my XXXX account. Citi stated that because I changed my story, they couldn't help. I never changed my story... it's been the same from day XXXX... it's a fraudulent charge. They refuse to help because XXXX wouldn't send them a refund. I have repeatedly asked them to provide a XXXX XXXX of my phone call with them so I can prove I never said it was a canceled charge. They now state it is automatically a billing dispute and not fraud because I have my own account with XXXX XXXX. Whether I have an account or not is irrelevant since the charge was not made on my XXXX account and it wasn't made by me.","date_sent_to_company":"2025-06-04T00:39:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"859XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13874616","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-06-03T23:29:24.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I never changed my story... it's been the same from day <em>XXXX</em>... it's a fraudulent <em>charge</em>. They refuse to help <em>because</em> <em>XXXX</em> wouldn't send <em>them</em> a refund. I have repeatedly asked <em>them</em> to provide a <em>XXXX</em> <em>XXXX</em> of my phone call with <em>them</em> so I can prove I never said it was a canceled <em>charge</em>. They now state it is automatically a billing <em>dispute</em> and not fraud <em>because</em> I have my own account with <em>XXXX</em> <em>XXXX</em>."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[12.798586,"13874616"]},{"_index":"complaint-public-v1","_id":"7679270","_score":12.798188,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have XXXX accounts that were sold too debt collectors and I was sued for XXXX of them XXXX and it was paid in full. I disputed the report showing charge off because they sold it and it was paid in full yet the continue to report it.This is double jeopardy reporting and when I ask them to do a dispute they put on my report sold to another lender and charge off.They also did the same with lendingclub Paid charge off. Both accounts are old accounts XXXX pass 7 years yet because I asked for a depute they made it a point to make XXXX remarks bad debt charge offs and then drop my score. \n\n\nXXXX XXXX","date_sent_to_company":"2023-10-11T16:51:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85041","tags":null,"has_narrative":true,"complaint_id":"7679270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-11T16:23:15.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have <em>XXXX</em> accounts that were sold too debt collectors and I was sued for <em>XXXX</em> of <em>them</em> <em>XXXX</em> and it was paid in full. I <em>disputed</em> the report showing <em>charge</em> off <em>because</em> they sold it and it was paid in full yet the continue to report it.This is double jeopardy reporting and when I ask <em>them</em> to do a <em>dispute</em> they put on my report sold to another lender and <em>charge</em> off.They also did the same with lendingclub Paid <em>charge</em> off."]},"sort":[12.798188,"7679270"]},{"_index":"complaint-public-v1","_id":"11136741","_score":12.734434,"_source":{"product":"Credit card","complaint_what_happened":"Transaction of {$490.00} from merchant XXXX in XX/XX/XXXX The merchant did not honor the 30 days return policy and refused the return of the unused and unpersonalized item per return policy. I sent the policy to Apple Card as well as communication with the merchant and Apple Card denied my dispute several time saying the charge was valid, I was not disputing the validity of the charge but I was disputing the charge because the charge because I shouldnt have got my money back when the merchant was wrongfully denying me the refund that is promised in the policy if return the items. Initiating the return had to be done by calling or emailing customer support, and customer denied the returns and refused to send me the prepaid shipping label and return authorization form to send back the item. Any other credit card issuer would have handled this promptly because the merchant is at fault. \n\nTransaction of {$490.00} from merchant XXXX in XX/XX/XXXX The merchant did not honor the 30 days return policy and refused the return of the unused and unpersonalized item per return policy. I sent the policy to Apple Card as well as communication with the merchant and Apple Card denied my dispute several time saying the charge was valid, I was not disputing the validity of the charge but I was disputing the charge because the charge because I shouldnt have got my money back when the merchant was wrongfully denying me the refund that is promised in the policy if return the items. Initiating the return had to be done by calling or emailing customer support, and customer denied the returns and refused to send me the prepaid shipping label and return authorization form to send back the item. Any other credit card issuer would have handled this promptly because the merchant is at fault. \n\nTransaction of {$390.00} from merchant XXXX XXXX in XX/XX/XXXX I prepaid my stay at XXXX XXXX and I gave them my credit card just for the refundable deposit. They ended up charging for the whole stay again, even if I prepaid using a different credit card. I disputed the charge with Apple Card and gave them the credit card statement from the other bank as evidence as well the email confirmation that highlights the prepaid stay and denied the dispute several times. The dispute should not be reversed when the hotel that is outside of the country charged me twice and I had evidence to prove it. \n\nApple Card waits months after the disputed charged and reverses them without explanation other that the charges are valid, no matter how much evidence I provide of being wrongfully charged. In my opinion, waiting all those months to resolve a dispute is what affects the outcome because disputes have a time limit and Apple Card is forced to resolve the dispute not on my favor just because of the time limit. \n\nWhenever I call customer service, they seem to understand that I was wrongfully charged but they dont have the final say in what will happen after they resubmit the dispute. It seems like everything just gets resolved in the merchant favor with Apple Card","date_sent_to_company":"2024-12-12T09:55:24.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90046","tags":null,"has_narrative":true,"complaint_id":"11136741","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-12-12T09:17:08.000Z","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":["Any other credit card issuer would have handled this promptly <em>because</em> the merchant is at fault. \n\nTransaction of {$390.00} from merchant <em>XXXX</em> <em>XXXX</em> in XX/XX/<em>XXXX</em> I prepaid my stay at <em>XXXX</em> <em>XXXX</em> and I gave <em>them</em> my credit card just for the refundable deposit. They ended up <em>charging</em> for the whole stay again, even if I prepaid using a different credit card."],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.734434,"11136741"]},{"_index":"complaint-public-v1","_id":"5845072","_score":12.733373,"_source":{"product":"Debt collection","complaint_what_happened":"My previous landlord assesed move out charges in XX/XX/2021 that I disputed. They turned these charges over to Hunter Warfield for collection. I disputed the charges with them as well within 30 days. They sent me photos from my previous landlord and then reported the charges to the credit bureaus. My credit score as dropped significantly because of this making it difficult for me to get a loan for a new vehicle which is affecting my business. I have video of the apartment when i moved out that disputes the charges assessed. XXXX XXXX XXXX now XXXX XXXX assessed these bogus charges as retalition against me because the property manager and I had disputes while I was living there. I disagree with the charges Hunter Warfield is attempting to collect and that is reporting to the credit bureaus. I have video to dispute the charges.","date_sent_to_company":"2022-08-04T15:06:52.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"63116","tags":null,"has_narrative":true,"complaint_id":"5845072","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2022-08-04T14:57:17.000Z","state":"MO","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I have video of the apartment when i moved out that <em>disputes</em> the <em>charges</em> assessed. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> now <em>XXXX</em> <em>XXXX</em> assessed these bogus <em>charges</em> as retalition against me <em>because</em> the property manager and I had <em>disputes</em> while I was living there. I disagree with the <em>charges</em> Hunter Warfield is attempting to collect and that is reporting to the credit bureaus. I have video to <em>dispute</em> the <em>charges</em>."]},"sort":[12.733373,"5845072"]},{"_index":"complaint-public-v1","_id":"16174204","_score":12.643746,"_source":{"product":"Credit card","complaint_what_happened":"on XX/XX/year> i started getting unknown charges to my chime credit builder card and debit card because the cards were lost or stolen on or around XX/XX/XXXX XXXX chime was not helpful. they do not have consumer protection as they claim. so in order for me to dispute these fradulent transactions they force me into making a phone call from them and when i do its impossible to understand them because they are foriegners. what should take about 5 minutes to do ends up taking about half an hour or more because of the language barrier. i have repeatedly asked the, for information rlated to the transactions like merchant i.d . numbers etc. again its very hard to understand them. i have asked for them to block the merchants and they claimed they did several times and didnt. i even changed my password. i even got them to send me new cards wth different numbers and they did but they claimed the person making the charges were not able to make anymore charges, and that wasnt true because they keep making charges to my new cards. i have had to call them or have them call me so many times and all ive accomplished is nothing. i have had to call and file disputes for each transaction and what i mean is they only seem to let you do XXXX dispute at at time. meaning if i have XXXX fraudulent transactons i have to make XXXX seperate calls to dispute each one. i have disputed several of these transactions but they only choose one out several to let me dispute at a time. they have not offered me any kind of help. i even tried speaking to a supervisor in their chat option and they immediately ended the chat aftyer telling me they were supervisor. so altgether i have lost about {$88.00} there was a little more but they let me dispute those charges. i have asked them several times to block the merchants that allow these charges and they claim they did but they clearly didnt. the main merchant is XXXX. thats where all my charges are coming from. i have contactcted XXXX  but got nowhere because i am not their customer. i have repeatedly tried making a ploice report but havent had very much luck getting in touch with an officer because of where i live. im in a rural area that is far from civilization. after about XXXX weeks of trying i was able to get in touch with an officer today and was able to file a police report. i have to add that i am XXXX and i am expecting my monthly check to arrive on my card and i know for a fact ill not be able to pay my bills because of this. the last time this person attempted to charge me on my cards was today XX/XX/XXXX XXXX since im XXXX and expecting a check to arrive any day now to my chime credit builder and debit cards both. i can not cancel my account and start over with a new one. i have filed complaints against chime with the XXXX  and they sent me a response that did not help me. they wanted me to call them. and like i mentioned when i do i get nowhere because they either dont know what they are doing or i cant understand them. my name is and my email is the easiet way to get in touch with me. thank you for your time.","date_sent_to_company":"2025-09-25T22:01:39.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"411XX","tags":null,"has_narrative":true,"complaint_id":"16174204","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-09-25T20:07:19.000Z","state":"KY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>charges</em> to my new cards. i have had to call <em>them</em> or have <em>them</em> call me so many times and all ive accomplished is nothing. i have had to call and file <em>disputes</em> for each transaction and what i mean is they only seem to let you do <em>XXXX</em> <em>dispute</em> at at time. meaning if i have <em>XXXX</em> fraudulent transactons i have to make <em>XXXX</em> seperate calls to <em>dispute</em> each one. i have <em>disputed</em> several of these transactions but they only choose one out several to let me <em>dispute</em> at a time. they have not offered me any kind"],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.643746,"16174204"]},{"_index":"complaint-public-v1","_id":"10906066","_score":12.627317,"_source":{"product":"Credit card","complaint_what_happened":"Im filing this complaint because American Express has refused to help me dispute charges on my account that I never authorized. These charges were made by a merchant without my consent, and I only recently discovered them when I received an email from the merchant saying my latest payment had failed. That email prompted me to review my past statements, where I saw these charges for the first time. \n\nThe merchant never sent me any emails about renewals, charges, or receipts at the time of these transactions, so I had no way of knowing they were being billed to my account. These charges are fraudulent, and I did not agree to them in any way. \n\nWhen I contacted American Express to dispute them, they said they couldnt help because the charges are older than 60 days. While I understand the usual time limit, this delay happened because the merchant failed to notify me of the charges, and I only found out recently. Despite explaining this to Amex, they refused to open a dispute or even investigate the matter further.\n\nWhat Im Asking For : Id like American Express to : 1. Investigate these unauthorized charges.\n\n2. Dispute the charges with the merchant and credit my account.\n\nIve been a loyal American Express customer and trust them to protect me from fraud, so Im disappointed they wont assist in this case, even though the charges are clearly unauthorized.\n\nThank you for your help in resolving this issue. \n\nThese are the charges I'm disputing : {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX XXXX","date_sent_to_company":"2024-11-25T00:02:53.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"07601","tags":null,"has_narrative":true,"complaint_id":"10906066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-11-24T23:44:49.000Z","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":["The merchant never sent me any emails about renewals, <em>charges</em>, or receipts at the time of these transactions, so I had no way of knowing they were being billed to my account. These <em>charges</em> are fraudulent, and I did not agree to <em>them</em> in any way. \n\nWhen I contacted American Express to <em>dispute</em> <em>them</em>, they said they couldnt help <em>because</em> the <em>charges</em> are older than 60 days."],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.627317,"10906066"]},{"_index":"complaint-public-v1","_id":"1787416","_score":12.610817,"_source":{"product":"Credit card","complaint_what_happened":"I disputed a charge with Discover Card. My wife canceled an order with XXXX before the phone rep. placed it because she did n't agree with the tax. The phone representative assured her the order was not placed. Two day later a charge from XXXX was on my card. \nI disputed it because she told them not to place the order and she has never received the product / order as of today. The charge was {$17.00} ( XXXX of XXXX ) installments.","date_sent_to_company":"2016-02-14T23:19:35.000Z","issue":"Billing disputes","sub_product":null,"zip_code":"44077","tags":"Older American","has_narrative":true,"complaint_id":"1787416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2016-02-14T23:19:35.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>disputed</em> a <em>charge</em> with Discover Card. My wife canceled an order with <em>XXXX</em> before the phone rep. placed it <em>because</em> she did n't agree with the tax. The phone representative assured her the order was not placed. Two day later a <em>charge</em> from <em>XXXX</em> was on my card. \nI <em>disputed</em> it <em>because</em> she told <em>them</em> not to place the order and she has never received the product / order as of today. The <em>charge</em> was {$17.00} ( <em>XXXX</em> of <em>XXXX</em> ) installments."]},"sort":[12.610817,"1787416"]},{"_index":"complaint-public-v1","_id":"4107006","_score":12.591629,"_source":{"product":"Debt collection","complaint_what_happened":"Hello in 2018 i went to XXXX XXXX XXXX to do an estimate of a XXXX XXXX treatment but I didnt like it because it was too expensive for me and I left, a year later I got surprised when I saw in my credit I had a debt of XXXX dollars so called them and we were in dispute for several weeks later they removed the charge but they left a due of XXXX dollars and they still reporting that, and that is so unfair because I didnt take any service of them I just went for an estimate, and I'm worried because they keep reporting that and I know eventually that will hurt my credit score, I need them to remove all those charges because I didnt take any service or product from them and GS loan XXXX  is the company that is charging me for tha Thank you","date_sent_to_company":"2021-02-19T16:28:16.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"92571","tags":null,"has_narrative":true,"complaint_id":"4107006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GreenSky, LLC","date_received":"2021-02-01T01:38:23.000Z","state":"CA","company_public_response":null,"sub_issue":"Notification didn't disclose it was an attempt to collect a debt"},"highlight":{"complaint_what_happened":["Hello in 2018 i went to <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> to do an estimate of a <em>XXXX</em> <em>XXXX</em> treatment but I didnt like it <em>because</em> it was too expensive for me and I left, a year later I got surprised when I saw in my credit I had a debt of <em>XXXX</em> dollars so called <em>them</em> and we were in <em>dispute</em> for several weeks later they removed the <em>charge</em> but they left a due of <em>XXXX</em> dollars and they still reporting that, and that is so unfair <em>because</em> I didnt take any service of <em>them</em> I just went for an estimate, and I'm worried <em>because</em>"]},"sort":[12.591629,"4107006"]},{"_index":"complaint-public-v1","_id":"11417320","_score":12.585726,"_source":{"product":"Credit card","complaint_what_happened":"I had a dispute opened with Synchrony Bank/Care Credit regarding a {$2000.00} charge from XXXX XXXX XXXX XXXX ; I won the dispute against XXXX XXXX XXXX XXXX on XX/XX/XXXX and CareCredit gave me my money back. \nOn XX/XX/XXXX I noticed that there was a new {$2000.00} charge on my CareCredit account that I did not make from XXXX XXXX XXXX . I called CareCredit and asked them about the charge and why it was there and they could not understand why and said the merchant must have charged me fraudulently and recommended that we close my account and open a new one. I agreed because I had no contact with the merchant and did not authorize the purchase of any goods or services.\n\nThen again on XX/XX/XXXX, I noticed another {$2000.00} charge from XXXX XXXX ; I called CareCredit again and asked them about this second charge and they said again that the merchant made the charge to my account, that it was fraud, and that I should close the act. I again agreed to this because I did not authorize the purchase of any goods or services from this merchant.\n\nI was informed in XX/XX/XXXX by CareCredit, that both of my fraud claims were being denied because they didnt consider either charge fraud. I called CareCredit and was told that I should re-file as a dispute and that I only needed to file one claim because the XX/XX/XXXX charge may have been an accounting error. I did this and received another notification from CareCredit on XX/XX/XXXX, that my dispute was not sided in my favor. I was told that I would receive any documentation helping me understand why the dispute was not sided in my favor and to date, I have received nothing despite my repeated requests for the documentation. I had called CareCredit for more information and staff told me that it was not decided in my favor because XXXX XXXX XXXX XXXX sent them paperwork with my signature on it which concerns me, as I had no contact with the merchant since XX/XX/XXXX. Additionally, I already won the XX/XX/XXXX dispute, so the XXXX charge or documentation should not have been considered by Synchrony ( not sure if it was because I havent seen the paperwork ).\n\nI opened up another dispute claim because I did not authorize either charge on XX/XX/XXXX or XX/XX/XXXX and I therefore feel that I am not obligated to pay {$4000.00} on my CareCredit account, however, the dispute was again not cited in my favor for reasons I am unclear about. \n\nI feel that CareCredit has a very unclear process for making disputes and does not consistently follow their policies on sending follow up paperwork to help the consumer understand their decision-making process. There is also no way to get a hold of the dispute resolution department and so I spent hours on the phone talking to a new customer service rep each time, and explaining my issue and fine that it continues to not be resolved Because I did not authorize either of these charges, it should be a simple dispute case so I am unclear as to why nearly 5 months later I am still trying to dispute the charges.\n\nAdditionally, Synchrony Bank should update their accounting practices, as the charges in question were made in XX/XX/XXXX bit show on my account as though they were made in XX/XX/XXXX and XX/XX/XXXX for goods or services. Despite repeated calls to Sychrony Bank, the charges and who made them are not clear.","date_sent_to_company":"2025-01-07T04:13:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"95050","tags":null,"has_narrative":true,"complaint_id":"11417320","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-01-07T03:44:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Additionally, I already won the XX/XX/<em>XXXX</em> <em>dispute</em>, so the <em>XXXX</em> <em>charge</em> or documentation should not have been considered by Synchrony ( not sure if it was <em>because</em> I havent seen the paperwork ).\n\nI opened up another <em>dispute</em> claim <em>because</em> I did not authorize either <em>charge</em> on XX/XX/<em>XXXX</em> or XX/XX/<em>XXXX</em> and I therefore feel that I am not obligated to pay {$4000.00} on my CareCredit account, however, the <em>dispute</em> was again not cited in my favor for reasons I am unclear about."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.585726,"11417320"]},{"_index":"complaint-public-v1","_id":"2474985","_score":12.57131,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am filing this complaint because  XXXX , an  American Express  card, wo n't dispute anything, no matter how egregiously fraudulent.     My cell phone is also a hotspot. I have bought so much data which gets you around the Internet, because when it slows down or stops your data is gone. My  XXXX  is  XXXX   XXXX .      XXXX   XXXX  has given me some data back for free, but it 's still slow. It 's supposed to move at the level of  XXXX   XXXX , but it does n't.     The tablet I was using never sped up. An in an instant my data was eaten up as  XXXX   XXXX  told me but I never really went anywhere, because it stopped or slowed to a crawl.     I called  XXXX  and told them what happened, and this stupid representative said it 's my fault because I gave them my card number!!! Is n't this the dumbest thing you ever heard.     I want this disputed because I never got what I paid for. These are the amounts and dates.       XXXX   XXXX   -  XXXX  -    XXXX   -   XXXX   -   XXXX   -  XXXX . -   XXXX    Now for  XXXX . They are charging me but say because I have a   XXXX   device,   XXXX   is the one charging me ; I access   XXXX   through  XXXX . However,   XXXX   says it 's not them.      I do n't know who is charging me or how they got my number. I do n't have   XXXX  . I wanted to dispute the below figures and  XXXX , once again, said no! They wo n't even disputes fraudulent ATM charges.     They are breaking the law. By the law they are supposed to dispute all fraudulent activities : I want to dispute the charges below also.       XXXX  : -  XXXX  -   XX/XX/XXXX   -   XXXX   -   XXXX","date_sent_to_company":"2017-05-04T01:23:24.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"10035","tags":null,"has_narrative":true,"complaint_id":"2474985","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2017-05-03T20:21:39.000Z","state":"NY","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["<em>XXXX</em>   <em>XXXX</em>   -  <em>XXXX</em>  -    <em>XXXX</em>   -   <em>XXXX</em>   -   <em>XXXX</em>   -  <em>XXXX</em> . -   <em>XXXX</em>    Now for  <em>XXXX</em> . They are <em>charging</em> me but say <em>because</em> I have a   <em>XXXX</em>   device,   <em>XXXX</em>   is the one <em>charging</em> me ; I access   <em>XXXX</em>   through  <em>XXXX</em> . However,   <em>XXXX</em>   says it 's not <em>them</em>.      I do n't know who is <em>charging</em> me or how they got my number. I do n't have   <em>XXXX</em>  . I wanted to <em>dispute</em> the below figures and  <em>XXXX</em> , once again, said no! They wo n't even <em>disputes</em> fraudulent ATM <em>charges</em>."],"sub_issue":["Card company isn't resolving a <em>dispute</em> about a purchase or transfer"]},"sort":[12.57131,"2474985"]},{"_index":"complaint-public-v1","_id":"7765394","_score":12.558346,"_source":{"product":"Credit card","complaint_what_happened":"Wells Fargo disputed some charges that I asked them not so I had to pay again. These charges were from XXXX ( {$1100.00} ) and XXXX XXXX XXXX ( {$100.00} & {$330.00} ). My concert tickets were canceled from XXXX because they disputed the charges so I had to look for tickets last minute and I almost got in trouble from XXXX XXXX XXXX because the payments were disputed. They also did not provide me monetary relief from my previous claim XXXX.","date_sent_to_company":"2023-10-27T13:05:19.000Z","issue":"Struggling to pay your bill","sub_product":"General-purpose credit card or charge card","zip_code":"95824","tags":null,"has_narrative":true,"complaint_id":"7765394","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-10-27T12:40:17.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem lowering your monthly payments"},"highlight":{"complaint_what_happened":["Wells Fargo <em>disputed</em> some <em>charges</em> that I asked <em>them</em> not so I had to pay again. These <em>charges</em> were from <em>XXXX</em> ( {$1100.00} ) and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( {$100.00} & {$330.00} ). My concert tickets were canceled from <em>XXXX</em> <em>because</em> they <em>disputed</em> the <em>charges</em> so I had to look for tickets last minute and I almost got in trouble from <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>because</em> the payments were <em>disputed</em>. They also did not provide me monetary relief from my previous claim <em>XXXX</em>."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[12.558346,"7765394"]},{"_index":"complaint-public-v1","_id":"2723264","_score":12.557409,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"ON XX/XX/XXXX I FILED A DISPUTE WITH NETSPEND CLAIM # XXXX FOR {$440.00} ON CARD # XXXX XXXX XXXX XXXX. ON XX/XX/XXXX NETSPEND GAVE ME A PROVISIONAL CREDIT OF {$440.00}. HOWEVER ON XX/XX/XXXX THEY TOOK AWAY MY PROVISIONAL CREDIT, ,DUE TO XXXX STATING THESE WE 'RE MY CHARGES. \n\nON SAME CARD .... ( XXXX XXXX XXXX XXXX ) I ALSO HAD TO FILE A 2ND DISPUTE CLAIM XXXX XXXX BECAUSE NETSPEND FORGOT TO CANCEL MY CARD WITH THEM ... SO SOMEONE CONTINUED ADDING UP FRAUD CHARGES. \n\nI CALLED XXXX AND CANCEL CARD AND EXPLAINED THAT THESE ARE FRAUDULENT CHARGES ... THEY STATE AND CONFIRMED THAT THESE WERE INDEED NOT MY CHARGES. BUT NETSPEND NEVER CANCELLED CARD. \n\nXXXX STATED THEY COULD NOT GIVE ME A MERCHANDISE REFUND BECAUSE I CA N'T CONFIRM THAT THESE WERE NOT MY CHARGES. BECAUSE THEY SEND E-MAILS AND I 'M NOT ONE OF THE E-MAILS/. \n\nON XX/XX/XXXX I SENT THEM ANOTHER FAX ON THERE MISTAKE AND STARTING ASKING FOR THEM TO RE-OPEN CASE # XXXX. \n\nXX/XX/XXXX I GOT PROVISIONAL CREDIT OF {$320.00}. XXXX. AROUND XX/XX/XXXX I WON THAT INVESTIGATION, SO I ASKED AGAIN TO RE-OPEN FIRST CASE BECAUSE IT ; S THE SAME CHARGES THAT XXXX CHARGED ON 2ND DISPUTE. TOLD THEY WOULD SEND ME PAPERWORK AND XXXX 'S ANSWER BUT NEVER HAVE RECEIVED ANYTHING. \n\nLAST REQUEST ON XX/XX/XXXX STILL TELLS ME THERE IS NOTHING THEY CAN DO FOR ME. TALKED TO THEM AGAIN TODAY AND TOLD THAT ONCE A CASE IS CLOSED IT IS THERE RULE THAT THEY CA N'T RE-OPEN IT NOR CAN I ISSUE A NEW DISPUTE! \n\nXXXX THRU NETSPEND","date_sent_to_company":"2017-11-07T20:30:05.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"611XX","tags":"Older American","has_narrative":true,"complaint_id":"2723264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2017-11-07T19:57:14.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["ON XX/XX/<em>XXXX</em> I FILED A <em>DISPUTE</em> WITH NETSPEND CLAIM # <em>XXXX</em> FOR {$440.00} ON CARD # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. ON XX/XX/<em>XXXX</em> NETSPEND GAVE ME A PROVISIONAL CREDIT OF {$440.00}. HOWEVER ON XX/XX/<em>XXXX</em> THEY TOOK AWAY MY PROVISIONAL CREDIT, ,DUE TO <em>XXXX</em> STATING THESE WE 'RE MY <em>CHARGES</em>. \n\nON SAME CARD .... ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) I ALSO HAD TO FILE A 2ND <em>DISPUTE</em> CLAIM <em>XXXX</em> <em>XXXX</em> <em>BECAUSE</em> NETSPEND FORGOT TO CANCEL MY CARD WITH <em>THEM</em> ... SO SOMEONE CONTINUED ADDING UP FRAUD <em>CHARGES</em>."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[12.557409,"2723264"]},{"_index":"complaint-public-v1","_id":"3381501","_score":12.556665,"_source":{"product":"Debt collection","complaint_what_happened":"I disputed the charge online with the collector. They sent me another notice and I told them I was disputing it because it was for charges for a phone I returned and XXXX did not properly close the account, reopened it and started charging me 4 months later. \n\nI spoke with XXXX several times on this issue and they continued to charge me. I contacted them again on XXXX and they told me they were submitting for a refund. \n\nWhen I spoke with the collector again today I told them I was disputing - I had already disputed with XXXX. They charged my credit card for the amount today without authorization - this bill is incorrect and an error on XXXX side. \n\nI spoke with XXXX later in the afternoon and again it is being submitted for a refund. The case # is XXXX.","date_sent_to_company":"2019-09-21T05:58:13.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"85295","tags":null,"has_narrative":true,"complaint_id":"3381501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ORG GC GP BUYER, LLC","date_received":"2019-09-21T01:41:35.000Z","state":"AZ","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I <em>disputed</em> the <em>charge</em> online with the collector. They sent me another notice and I told <em>them</em> I was <em>disputing</em> it <em>because</em> it was for <em>charges</em> for a phone I returned and <em>XXXX</em> did not properly close the account, reopened it and started <em>charging</em> me 4 months later. \n\nI spoke with <em>XXXX</em> several times on this issue and they continued to <em>charge</em> me. I contacted <em>them</em> again on <em>XXXX</em> and they told me they were submitting for a refund."]},"sort":[12.556665,"3381501"]},{"_index":"complaint-public-v1","_id":"21862984","_score":12.5562725,"_source":{"product":"Credit card","complaint_what_happened":"In XX/XX/XXXX there were fraudulent charges made on my Nordstrom credit card. I reported these to Nordstrom. I also sent them police reports since there were other credit cards which were jeopardized.\n\nNordstrom did not accept them as fraud charges. I made numerous attempts to contact them but there was no response. In XXXX of XXXX, TD Bank advised me to report these same charges again. After spending numerous hours on the phone with Nordstrom, I got a letter that the charges are not fraud. Because there was a chip card during an in person transaction in XX/XX/XXXX. \nThis is because I used my card and paid for the purchase I made. \nThe disputed fraudulent charges were from XX/XX/XXXX and on a card which was cancelled and replaced with a new number.","date_sent_to_company":"2026-05-04T19:44:14.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"91344","tags":null,"has_narrative":true,"complaint_id":"21862984","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2026-05-04T19:25:55.000Z","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":["<em>Because</em> there was a chip card during an in person transaction in XX/XX/<em>XXXX</em>. \nThis is <em>because</em> I used my card and paid for the purchase I made. \nThe <em>disputed</em> fraudulent <em>charges</em> were from XX/XX/<em>XXXX</em> and on a card which was cancelled and replaced with a new number."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.5562725,"21862984"]},{"_index":"complaint-public-v1","_id":"13584872","_score":12.546996,"_source":{"product":"Credit card","complaint_what_happened":"I was fraudulently charged 2 transactions on XX/XX/year>XXXX  for {$19000.00} and also on XX/XX/year>XXXX  for {$500.00} by a merchant by the name of XXXX XXXX XXXX XXXX XXXX from XXXX, TX on my Barclays XXXX XXXX Credit Card. I have attempted to dispute and claim the charge as fraud because I NEVER authorized the charges to be made to my card. I never gave them any authorization or signed anything to give them permission to make these 2 charges to my account. I have asked numerous time for the credit card company to investigate so they can see that they were never authorized to charge the card but the credit card company has refused to investigate the charges, even though I have been asking since XXXX of XXXX  that these charges need to be reversed and disputed because it is fraudulent and were never given authorization from myself for these charges to occur.","date_sent_to_company":"2025-05-19T20:21:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"926XX","tags":null,"has_narrative":true,"complaint_id":"13584872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-05-19T19:58:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I was fraudulently charged 2 transactions on XX/XX/year><em>XXXX</em>  for {$19000.00} and also on XX/XX/year><em>XXXX</em>  for {$500.00} by a merchant by the name of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> from <em>XXXX</em>, TX on my Barclays <em>XXXX</em> <em>XXXX</em> Credit Card. I have attempted to <em>dispute</em> and claim the <em>charge</em> as fraud <em>because</em> I NEVER authorized the <em>charges</em> to be made to my card. I never gave <em>them</em> any authorization or signed anything to give <em>them</em> permission to make these 2 <em>charges</em> to my account."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[12.546996,"13584872"]},{"_index":"complaint-public-v1","_id":"5510968","_score":12.544254,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I disputed some unauthorized charges with chime and within 8 hrs, was denied my request and they said there was no error when there in fact was an error because I did not make those charges, some of the charges were made in Texas and I live in Maryland. On XX/XX/XXXX and XXXX, XX/XX/XXXX and XX/XX/446 $ was taken from me in total and I couldnt dispute them because they were pending charges, they said they were going to work on my claim and a couple of hours later just denied my dispute and said there was no error. Multiple people have had problems with their dispute team as well, and have been told the same thing as me.","date_sent_to_company":"2022-04-28T19:00:53.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20770","tags":null,"has_narrative":true,"complaint_id":"5510968","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2022-04-28T18:48:48.000Z","state":"MD","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em> and <em>XXXX</em>, XX/XX/<em>XXXX</em> and <em>XX/XX</em>/446 $ was taken from me in total and I couldnt <em>dispute</em> <em>them</em> <em>because</em> they were pending <em>charges</em>, they said they were going to work on my claim and a couple of hours later just denied my <em>dispute</em> and said there was no error. Multiple people have had problems with their <em>dispute</em> team as well, and have been told the same thing as me."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[12.544254,"5510968"]},{"_index":"complaint-public-v1","_id":"14631727","_score":12.537009,"_source":{"product":"Checking or savings account","complaint_what_happened":"I noticed a few charges from a tax consulting firm that I never heard of or used before, charges occurred on XXXX, XXXX 2025 amounts were {$64.00} and {$140.00}. I contacted my bank to dispute the charges and the dispute was denied, email stated the charges was authorized. I contacted customer service to obtain documents used in the investigation but never received them after multiple request. I customer service agent I spoke with informed me that the reason my first disoute was denied because they couldn't get in contact with the merchant that charge the card. Fast Forward to current times, I noticed multiple charges from the same tax consulting firm on XX/XX/year> for {$150.00} and {$120.00} other charges from same tax firm on XX/XX/year> for {$150.00} and XX/XX/year> for {$150.00}. I disputed the charges and informed the bank that this was the same charges as the first dispute, they denied the dispute and sent me documents saying that because I have other charges that I didnt dispute around the same time frame that these charges are also authorized because they must believe I cant make charges on my account without my physical debit card, I like every other person in the current world dont need to have a physical debit card to use it, we have XXXX XXXX  and XXXX XXXX  where we can use are phones to make everyday transactions online or in stores. My issue is them nor do I have any idea what tax consulting firm this is, if it is a tax consulting firm or have any other information in regards to the charges. The documents obtain from the bank in regards to the investigation does not contain any of that information","date_sent_to_company":"2025-07-14T17:53:10.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"89015","tags":null,"has_narrative":true,"complaint_id":"14631727","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-07-14T17:25:12.000Z","state":"NV","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I <em>disputed</em> the <em>charges</em> and informed the bank that this was the same <em>charges</em> as the first <em>dispute</em>, they denied the <em>dispute</em> and sent me documents saying that <em>because</em> I have other <em>charges</em> that I didnt <em>dispute</em> around the same time frame that these <em>charges</em> are also authorized <em>because</em> they must believe I cant make <em>charges</em> on my account without my physical debit card, I like every other person in the current world dont need to have a physical debit card to use it, we have <em>XXXX</em> <em>XXXX</em>  and <em>XXXX</em> <em>XXXX</em>  where"]},"sort":[12.537009,"14631727"]},{"_index":"complaint-public-v1","_id":"11066118","_score":12.535123,"_source":{"product":"Checking or savings account","complaint_what_happened":"{$10.00} was withdrawn from my account by XXXX XXXX twice, so {$20.00} total on my XXXX XXXX debit card on XX/XX/2024. XXXX direct refuses to let me dispute the transaction with them and said to contact the merchant. I contacted XXXX and they confirmed that I do not have a XXXX XXXX account, and therefor cant find the charges because I have never had a XXXXXXXX XXXX XXXX account. XXXX direct refused to let me XXXX way or have the XXXX XXXX call and talk with them to help place a dispute. They say if I use XXXX XXXX  I am not eligible to dispute the charge. I dont have XXXX XXXX account so there is literally nothing I can do on my end and Doordash direct will not dispute these fraudulent charges on my account, in addition they are charging {$5.00} to issue a new debit card. My other bank account was also fraudulently charged numerous and larger amounts, but they stoped the charges, contacted me and they are disputing the charges, these charges also from XXXX XXXX. XXXX XXXX was also not able to find an account related to these transactions using my debit card, because I have never used XXXX XXXX.","date_sent_to_company":"2024-12-07T20:29:10.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"425XX","tags":null,"has_narrative":true,"complaint_id":"11066118","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Payfare International Inc.","date_received":"2024-12-07T19:56:02.000Z","state":"KY","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["{$10.00} was withdrawn from my account by <em>XXXX</em> <em>XXXX</em> twice, so {$20.00} total on my <em>XXXX</em> <em>XXXX</em> debit card on <em>XX/XX</em>/2024. <em>XXXX</em> direct refuses to let me <em>dispute</em> the transaction with <em>them</em> and said to contact the merchant. I contacted <em>XXXX</em> and they confirmed that I do not have a <em>XXXX</em> <em>XXXX</em> account, and therefor cant find the <em>charges</em> <em>because</em> I have never had a XXXXXXXX <em>XXXX</em> <em>XXXX</em> account. <em>XXXX</em> direct refused to let me <em>XXXX</em> way or have the <em>XXXX</em> <em>XXXX</em> call and talk with <em>them</em> to help place a <em>dispute</em>."]},"sort":[12.535123,"11066118"]},{"_index":"complaint-public-v1","_id":"10963820","_score":12.527279,"_source":{"product":"Credit card","complaint_what_happened":"This is to advise that Synchrony said they have closed the dispute I made with number XXXX because they found me liable to pay the charge. What I asked is for them to provide me with authorization that this charge was authorized by me. What they sent was a response that the Ga AGs office provided in regard to the cancelling of my contract. This had nothing to do with the charge of XXXX that they put on my card. If they can not provide the authorization that was provided to them for the second charge then they have to remove that charge immediately. I am going in circles with Synchrony for this document because they dont have it. So to reiterate, I need for Synchrony to provide the signed authorization to put that charge on my card.","date_sent_to_company":"2024-11-28T14:56:42.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30078","tags":null,"has_narrative":true,"complaint_id":"10963820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-11-28T14:33:54.000Z","state":"GA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["This is to advise that Synchrony said they have closed the <em>dispute</em> I made with number <em>XXXX</em> <em>because</em> they found me liable to pay the <em>charge</em>. What I asked is for <em>them</em> to provide me with authorization that this <em>charge</em> was authorized by me. What they sent was a response that the Ga AGs office provided in regard to the cancelling of my contract. This had nothing to do with the <em>charge</em> of <em>XXXX</em> that they put on my card."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[12.527279,"10963820"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":20119,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":20119}]}},"product":{"doc_count":20119,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card or prepaid card","doc_count":3353,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2804},{"key":"Store credit card","doc_count":312},{"key":"General-purpose prepaid card","doc_count":131},{"key":"Government benefit card","doc_count":77},{"key":"Payroll card","doc_count":16},{"key":"Gift card","doc_count":13}]}},{"key":"Credit reporting or other personal consumer 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