{"took":417,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5202,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18219296","_score":16.700344,"_source":{"product":"Credit card","complaint_what_happened":"Bank of America XXXX claim # XXXX Date of disputed charges : XX/XX/year> XXXX Charges totaling : {$10000.00} XXXX reported fraudulent credit card charges to Bank of America and disputed them as unauthorized. The bank initially reversed the charges but later reinstated them and denied my claim. \nBank of America states that I told them the charges were valid. This is untrue. I never authorized these transactions and never stated they were legitimate. I sent Bank of America copies of my time-sheets from my employer proving I was not in the location when the transaction occured. \nThe denial appears to be based on incorrect or false internal documentation. \n\nI am requesting that Bank of America provide evidence supporting their claim, including call recordings, transcripts, or internal notes, and properly investigate my fraud dispute. \nI am seeking a corrected investigation, removal of the disputed charges, and confirmation that my credit will not be negatively affected due to the banks error.","date_sent_to_company":"2025-12-22T15:38:58.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"986XX","tags":null,"has_narrative":true,"complaint_id":"18219296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-12-22T15:04:46.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Bank of America <em>XXXX</em> claim # <em>XXXX</em> Date of <em>disputed</em> <em>charges</em> : XX/XX/year> <em>XXXX</em> <em>Charges</em> totaling : {$10000.00} <em>XXXX</em> reported fraudulent credit card <em>charges</em> to Bank of America and <em>disputed</em> them as unauthorized. The bank initially reversed the <em>charges</em> but later reinstated them and denied my claim. \nBank of America states that I told them the <em>charges</em> were valid. This is untrue. I never authorized these transactions and never stated they were legitimate."],"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":[16.700344,"18219296"]},{"_index":"complaint-public-v1","_id":"9070232","_score":15.902518,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX dollars was used from account fraudulently without my knowledge I disputed charges but was denied the charges started in XX/XX/XXXX from XXXX XXXX until now with internal transfers and online purchases","date_sent_to_company":"2024-05-22T14:39:13.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"150XX","tags":null,"has_narrative":true,"complaint_id":"9070232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-05-22T14:29:34.000Z","state":"PA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>XXXX</em> dollars was used from account fraudulently without my knowledge I <em>disputed</em> <em>charges</em> but was denied the <em>charges</em> started in XX/XX/<em>XXXX</em> from <em>XXXX</em> <em>XXXX</em> until now with <em>internal</em> transfers and online purchases"]},"sort":[15.902518,"9070232"]},{"_index":"complaint-public-v1","_id":"18048169","_score":15.832204,"_source":{"product":"Credit card","complaint_what_happened":"Dear CFPB, I am requesting your intervention due to Bank of America ( BoA ) s systemic failure and negligence to resolve a dispute that resulted in double charges to my credit card and the risk of negative impact on my credit score. \n\n\n\nI. Facts and History of the Double Charge First Payment and Dispute : On XX/XX/XXXX, I made a purchase from XXXX that I subsequently disputed. I paid my bill ( FIRST payment ), although I later received a letter from BoA instructing me not to pay because a dispute was open. The dispute was closed by BoA. \n\n\n\nDouble Charge : I subsequently received a new bill for the same amount that I had already paid. \n\n\n\nFailure of Internal Procedures : On XX/XX/XXXX, at BoAs direction, I visited a physical Bank of America XXXX where an employee sent an internal fax ( with the receipt for the first payment attached ) to the dispute department, confirming to me that the dispute had been reopened/escalated. ( I am attaching a copy of this document dated XX/XX/XXXX ). \n\n\n\nForced Second Payment : Despite internal documentation on XX/XX/XXXX, BoA ignored its own fax and did not resolve the issue. In order to protect my credit rating, and as the deadline ( XX/XX/XXXX ) approached, I was forced to pay the bill A SECOND TIME. \n\n\n\nXXXX. Claim BoA is responsible for a double-billing error and a complete failure of administrative procedures by ignoring documents sent by its own branch. \n\n\n\nI demand an immediate refund of the double payment, as well as written confirmation that no late fees will be charged and that there will be no negative impact on my credit rating as a result of these errors. \n\nBest regards!","date_sent_to_company":"2025-12-02T11:53:39.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"604XX","tags":"Older American","has_narrative":true,"complaint_id":"18048169","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-12-02T11:34:40.000Z","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":["Dear CFPB, I am requesting your intervention due to Bank of America ( BoA ) s systemic failure and negligence to resolve a <em>dispute</em> that resulted in double <em>charges</em> to my credit card and the risk of negative impact on my credit score. \n\n\n\nI. Facts and History of the Double <em>Charge</em> First Payment and <em>Dispute</em> : On XX/XX/<em>XXXX</em>, I made a purchase from <em>XXXX</em> that I subsequently <em>disputed</em>."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[15.832204,"18048169"]},{"_index":"complaint-public-v1","_id":"13334906","_score":15.686215,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, a {$50.00} charge was posted to my Chime Credit Builder account by XXXX XXXX. This charge was unauthorized, disputed promptly, and directly related to an ongoing insurance claim stemming from a vehicle damage case. Chime denied the first dispute despite supporting documentation, and the matter remains under active dispute following resubmission. \n\nChime advertises that the Credit Builder account can not be overdrawn, as it only allows users to spend the money they intentionally move into the account. Despite this, my account has shown a negative balance of {$50.00} since the disputed charge occurred. \n\nOn XX/XX/year>, I initiated a {$25.00} internal transfer from my Chime savings account. Due to a mistaken account selection, the transfer was directed to the XXXX XXXX account instead of my checking account. Rather than notifying me of the negative balance or prompting confirmation, Chime automatically applied the funds to reduce the disputed balance, without any disclosure or user authorization. \n\nI immediately contacted Chimes customer service by phone on XX/XX/year>. During the first call, I calmly explained that the {$25.00} should not have been applied to the disputed balance, and I requested that it be returned to my savings or checking account. The representative disconnected the call before resolution. I called again shortly after and was disconnected a second time. No follow-up or escalation was provided.\n\nThis situation raises multiple consumer protection issues : - Deceptive practices under the FTC Act and CFPB enforcement guidelines, as the Credit Builder account was marketed as incapable of overdraft or unauthorized collection - Violation of dispute handling procedures, including improper handling of an unresolved fraud claim - Unauthorized internal fund application, treating an internal transfer as a repayment of a disputed debt - Interruption of dispute communication, with customer service agents disconnecting twice during an effort to resolve the issue","date_sent_to_company":"2025-05-05T17:43:10.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"13334906","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-05-05T17:30:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["On XX/XX/year>, a {$50.00} <em>charge</em> was posted to my Chime Credit Builder account by <em>XXXX</em> <em>XXXX</em>. This <em>charge</em> was unauthorized, <em>disputed</em> promptly, and directly related to an ongoing insurance claim stemming from a vehicle damage case. Chime denied the first <em>dispute</em> despite supporting documentation, and the matter remains under active <em>dispute</em> following resubmission."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[15.686215,"13334906"]},{"_index":"complaint-public-v1","_id":"5068255","_score":15.664794,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I rented a car from XXXX rental car ( XXXX XXXX  Record Number # XXXX ) on XXXX from XXXX and returned it on XXXX in XXXX XXXX. Estimated charges was XXXX XXXX XX/XX/XXXX I receive a letter from XXXX XXXX XXXX control claiming that I didn't return the vehicle. I explained to them that the vehicle was returned as per the above dates. They opened an internal investigation and provided a case number XXXX within XXXX internally, which concluded after checking the XXXX rental return area camera 's, that the car was returned on XXXX! They informed me that the charges would be finalized at XXXX $ and that the rental record/contract should be closed shortly! Despite the difference in charge, I said may be a mileage thing. Let it be and get it closed out... \n\nXXXX I got hit on my credit card with {$980.00}, I immediately disputed the charges. The Citi Bank Credit card disputed the charges with XXXX XXXX XXXX. However the vendor rejected the dispute and credit card told me that I have sort this out directly with the vendor. No further dispute would be accepted until i get an official response from XXXX with the reverse of the charges! \n\nI opened a claim with XXXX ( XXXX is the latest ) for the past two month I have been following up with them patiently and each time they tell me give us sometime. \n\nFinally today they told me we can't refund the money back to you as the location confirmed that the charges are valid. I reference the Vehicle recovery case number XXXX that confirmed the charges are XXXX $ and they said the location confirmed that no refund can be made on this contract. \n\nI informed them that this is not acceptable and they turned around and said we understand but this is what the location have advised. I told them this is something between you all... I got a case and a number that I was given as anticipated charges from XXXX and still your location insist on those charges. This is an internal issue that as a customer. I have to deal with it!","date_sent_to_company":"2022-01-04T16:12:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"38002","tags":null,"has_narrative":true,"complaint_id":"5068255","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-01-04T15:05:22.000Z","state":"TN","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":["<em>XXXX</em> I got hit on my credit card with {$980.00}, I immediately <em>disputed</em> the <em>charges</em>. The Citi Bank Credit card <em>disputed</em> the <em>charges</em> with <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. However the vendor rejected the <em>dispute</em> and credit card told me that I have sort this out directly with the vendor. No further <em>dispute</em> would be accepted until i get an official response from <em>XXXX</em> with the reverse of the <em>charges</em>!"],"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":[15.664794,"5068255"]},{"_index":"complaint-public-v1","_id":"14206409","_score":15.481137,"_source":{"product":"Credit card","complaint_what_happened":"Chase materially altered the nature of my credit card account without disclosure during an active dispute. A business card originally issued under XXXX. XXXX XXXX ( ending in XXXX ) was later relabeled and managed under my personal name, XXXX XXXX, during the course of a billing dispute. At the same time, Chase opened a second account with the same mirrored card number ( ending in XXXX ) and began internally transferring balances between the twocreating confusion and impairing my ability to track reversals, payments, and dispute outcomes. \n\nThis complaint is submitted by XXXX XXXX, the private administrative entity overseeing the affected account. The XXXX has identified and documented multiple material irregularities in XXXX internal handling of accounts originally issued under XXXX. XXXX XXXX but later relabeled under the personal designation of XXXX XXXX, including account ending in XXXX. \n\nDuring the dispute process, Chase reassigned the account internally, issued a mirrored card under a new number ending in XXXX, and reclassified the original business account under a personal consumer headingwithout explanation, contract, or disclosure. This relabeling has severely impeded reconciliation, created dual dispute statuses in XXXX online portal, and concealed the original charge timeline. \n\nFurther complicating the matter, the XXXX identified that the disputed transactionoriginally appearing on account XXXX silently transferred to XXXX, with no visible initiating charge on XXXX, no clear interest application history, and no accompanying reversal record. Chases manipulation of these entries spans multiple billing cycles and appears designed to eliminate a clear XXXX XXXX. \n\nWhile attempting to reconcile these accounts, the XXXX was forced to retroactively analyze months of migrated activity, encountering backdated charges, conflicting dispute statuses, and account histories that no longer align with original statements. The result is a XXXX XXXX that defies reconciliation and violates the fiduciary standards by which the XXXX must operate. \n\nNo formal account history has been provided to explain : Why a business account was reclassified as personal ; Why mirrored account numbers now appear across multiple profiles ; Why statements from account XXXX no longer exist in the portal ; Why account XXXX contains charges and adjustments with no transaction origin or starting balance.","date_sent_to_company":"2025-06-21T05:27:44.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"48371","tags":null,"has_narrative":true,"complaint_id":"14206409","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-06-21T03:36:23.000Z","state":"MI","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["During the <em>dispute</em> process, Chase reassigned the account <em>internally</em>, issued a mirrored card under a new number ending in <em>XXXX</em>, and reclassified the original business account under a personal consumer headingwithout explanation, contract, or disclosure. This relabeling has severely impeded reconciliation, created dual <em>dispute</em> statuses in <em>XXXX</em> online portal, and concealed the original <em>charge</em> timeline."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[15.481137,"14206409"]},{"_index":"complaint-public-v1","_id":"18910294","_score":15.395604,"_source":{"product":"Credit card","complaint_what_happened":"This complaint concerns Citibank, N.A.s failure to properly investigate a billing error involving duplicate charges, and Citibanks subsequent mischaracterization of the dispute to the Consumer Financial Protection Bureau.\n\nSUMMARY OF THE BILLING ERROR On XX/XX/XXXX, two identical charges posted to my Citibank account from the same merchant ( XXXX XXXX XXXX XXXX XXXX ) for the same amount, on the same date, seconds apart. These charges are objectively duplicate transactions resulting from a merchant card-reader malfunction. I did not authorize two separate credit-card charges.\n\nUnder the Fair Credit Billing Act ( 15 U.S.C. 1666 ), this constitutes a single billing error consisting of two duplicate transactions.\n\nCITIBANKS IMPROPER HANDLING Citibank created two internal dispute reference numbers for the duplicate charges. One dispute remains open. The second dispute was closed without investigation, not because the charge was valid, but solely due to an initial dispute category selection ( alternative payment method ) that referenced the fact that I paid the merchant in cash.\n\nCitibank elevated internal labeling over statutory duty and failed to investigate both duplicate transactions, as required by the FCBA and Regulation Z. A billing error can not be denied or dismissed based on how a consumer initially labels a dispute when the underlying facts clearly establish a duplicate charge.\n\nMISCHARACTERIZATION TO THE CFPB In responding to my prior CFPB complaint, Citibank represented that only one dispute exists and remains open, omitting the fact that : Two duplicate charges posted ; One duplicate charge was closed without investigation ; and The billing error, as defined by statute, was not fully investigated.\n\nThis representation is inaccurate and misleading, because the FCBA governs billing errors, not internal dispute ticketing. Investigating only one of two duplicate transactions does not satisfy Citibanks statutory obligations.\n\nNOTICE TO CITIBANK On XX/XX/XXXX, I sent Citibank a written correction letter formally notifying it that : Both charges are duplicates ; Closing one dispute based on categorization violates FCBA standards ; and Citibank must investigate and resolve both transactions or permanently reverse the duplicate charges.\n\nCitibank has not corrected the error.\n\nONGOING HARM As a result of Citibanks conduct : A conditional credit was reversed without a complete investigation ; My account balance remains inaccurate ; and I face continued risk of improper credit reporting and collection activity. \n\nRELIEF REQUESTED I respectfully request that the CFPB require Citibank to : Acknowledge that this matter involves one billing error consisting of two duplicate transactions Reopen or substantively investigate the second duplicate charge Permanently reverse the duplicate charge unless Citibank can produce evidence of two separate authorizations Correct the CFPB record to accurately reflect the nature of the billing error This new complaint is filed because I was advised by a CFPB representative that the prior complaint could not be amended to correct Citibanks mischaracterization or to add supplemental documentation","date_sent_to_company":"2026-01-22T01:39:11.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94545","tags":"Older American","has_narrative":true,"complaint_id":"18910294","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-01-22T01:15:11.000Z","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":["This complaint concerns Citibank, N.A.s failure to properly investigate a billing error involving duplicate <em>charges</em>, and Citibanks subsequent mischaracterization of the <em>dispute</em> to the Consumer Financial Protection Bureau.\n\nSUMMARY OF THE BILLING ERROR On XX/XX/<em>XXXX</em>, two identical <em>charges</em> posted to my Citibank account from the same merchant ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) for the same amount, on the same date, seconds apart."],"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":[15.395604,"18910294"]},{"_index":"complaint-public-v1","_id":"11925895","_score":15.379146,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Charge-Off Accounts on Credit Report Dear XXXX, I am writing to dispute multiple accounts listed on my credit report as \" Charge Off. '' The disputed accounts are : Account 1 : WELLS FARGO CARD SERVICES, XXXX, XX/XX/XXXX2024 Account 2 : XX/XX/XXXXXXXX, XXXX, XX/XX/XXXX2024 Account 3 : XX/XX/XXXXXXXX, XXXX, XX/XX/XXXX2024 Account 4 : XX/XX/XXXXXXXX, XXXX, XX/XX/XXXX2024 The basis for this dispute is that a Charge Off is considered \" income '' for the creditor, and \" income '' is not allowed to be listed on a credit report. This is in violation of the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code.\n\nAccording to the Internal Revenue Code, 26 U.S.C. 451, a Charge Off is considered taxable income to the creditor. As such, it is not a debt that can be reported on a consumer 's credit report.\n\nThe FCRA, 15 U.S.C. 1681c, prohibits the reporting of income or debts that are not owed by the consumer. Since a Charge Off is considered income to the creditor, it does not meet the criteria for reporting on a credit report.\n\nFurthermore, the Consumer Financial Protection Bureau 's ( CFPB ) guidance on credit reporting emphasizes the importance of accurate and complete information. Reporting a Charge Off as a debt is inaccurate and misleading.","date_sent_to_company":"2025-02-04T07:02:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92677","tags":null,"has_narrative":true,"complaint_id":"11925895","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-02-04T06:30:17.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"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>, CA <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em>/2024 <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, PA <em>XXXX</em> Re : <em>Dispute</em> of <em>Charge</em>-Off Accounts on Credit Report Dear <em>XXXX</em>, I am writing to <em>dispute</em> multiple accounts listed on my credit report as \" <em>Charge</em> Off. '' The <em>disputed</em> accounts are : Account 1 : WELLS FARGO CARD SERVICES, <em>XXXX</em>, XX/XX/<em>XXXX</em>2024 Account 2 : XX/XX/XXXXXXXX, <em>XXXX</em>, XX/XX/<em>XXXX</em>2024 Account 3 : XX/XX/XXXXXXXX, <em>XXXX</em>, XX/XX/<em>XXXX</em>2024 Account 4 : XX/XX/XXXXXXXX, <em>XXXX</em>, XX/XX/<em>XXXX</em>2024"]},"sort":[15.379146,"11925895"]},{"_index":"complaint-public-v1","_id":"11931566","_score":15.37042,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Charge-Off Accounts on Credit Report Dear XXXX, I am writing to dispute multiple accounts listed on my credit report as \" Charge Off. '' The disputed accounts are : Account 1 : Amex, XXXX, XX/XX/XXXX Account 2 : Amex, XXXX, XX/XX/XXXX Account 3 : XXXX XXXX, XXXX, XX/XX/XXXX Account 4 : XXXX XXXXXXXX, XXXX, XX/XX/XXXX Account 5 XXXX XXXX XXXX XXXX, XX/XX/XXXX The basis for this dispute is that a Charge Off is considered \" income '' for the creditor, and \" income '' is not allowed to be listed on a credit report. This is in violation of the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code. \n\nAccording to the Internal Revenue Code, 26 U.S.C. 451, a Charge Off is considered taxable income to the creditor. As such, it is not a debt that can be reported on a consumer 's credit report.\n\nThe FCRA, 15 U.S.C. 1681c, prohibits the reporting of income or debts that are not owed by the consumer. Since a Charge Off is considered income to the creditor, it does not meet the criteria for reporting on a credit report. \n\nFurthermore, the Consumer Financial Protection Bureau 's ( CFPB ) guidance on credit reporting emphasizes the importance of accurate and complete information. Reporting a Charge Off as a debt is inaccurate and misleading.","date_sent_to_company":"2025-02-04T06:27:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92677","tags":null,"has_narrative":true,"complaint_id":"11931566","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-02-04T05:57:03.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, TX <em>XXXX</em> Re : <em>Dispute</em> of <em>Charge</em>-Off Accounts on Credit Report Dear <em>XXXX</em>, I am writing to <em>dispute</em> multiple accounts listed on my credit report as \" <em>Charge</em> Off. '' The <em>disputed</em> accounts are : Account 1 : Amex, <em>XXXX</em>, XX/XX/<em>XXXX</em> Account 2 : Amex, <em>XXXX</em>, XX/XX/<em>XXXX</em> Account 3 : <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, XX/XX/<em>XXXX</em> Account 4 : <em>XXXX</em> XXXXXXXX, <em>XXXX</em>, XX/XX/<em>XXXX</em> Account 5 <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, XX/XX/<em>XXXX</em> The basis for this <em>dispute</em> is that a <em>Charge</em> Off is considered \" income '' for the creditor, and"]},"sort":[15.37042,"11931566"]},{"_index":"complaint-public-v1","_id":"11927683","_score":15.365561,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Charge-Off Accounts on Credit Report Dear XXXX, I am writing to dispute multiple accounts listed on my credit report as \" Charge Off. '' The disputed accounts are : Account 1 : XXXX, XXXX, XX/XX/XXXX Account 2 : XXXX, XXXX, XX/XX/XXXX Account 3 : Capital One, XXXX, XX/XX/XXXX Account 4 : Capital One, XXXX, XX/XX/XXXX Account 5 : Capital One, XXXX, XX/XX/XXXX The basis for this dispute is that a Charge Off is considered \" income '' for the creditor, and \" income '' is not allowed to be listed on a credit report. This is in violation of the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code. \n\nAccording to the Internal Revenue Code, 26 U.S.C. 451, a Charge Off is considered taxable income to the creditor. As such, it is not a debt that can be reported on a consumer 's credit report. \n\nThe FCRA, 15 U.S.C. 1681c, prohibits the reporting of income or debts that are not owed by the consumer. Since a Charge Off is considered income to the creditor, it does not meet the criteria for reporting on a credit report.\n\nFurthermore, the Consumer Financial Protection Bureau 's ( CFPB ) guidance on credit reporting emphasizes the importance of accurate and complete information. Reporting a Charge Off as a debt is inaccurate and misleading.","date_sent_to_company":"2025-02-04T06:27:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92677","tags":null,"has_narrative":true,"complaint_id":"11927683","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-02-04T06:26:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> XXXXXXXX Re : <em>Dispute</em> of <em>Charge</em>-Off Accounts on Credit Report Dear <em>XXXX</em>, I am writing to <em>dispute</em> multiple accounts listed on my credit report as \" <em>Charge</em> Off. '' The <em>disputed</em> accounts are : Account 1 : <em>XXXX</em>, <em>XXXX</em>, XX/XX/<em>XXXX</em> Account 2 : <em>XXXX</em>, <em>XXXX</em>, XX/XX/<em>XXXX</em> Account 3 : Capital One, <em>XXXX</em>, XX/XX/<em>XXXX</em> Account 4 : Capital One, <em>XXXX</em>, XX/XX/<em>XXXX</em> Account 5 : Capital One, <em>XXXX</em>, XX/XX/<em>XXXX</em> The basis for this <em>dispute</em> is that a <em>Charge</em> Off is considered \" income '' for the creditor"]},"sort":[15.365561,"11927683"]},{"_index":"complaint-public-v1","_id":"18494581","_score":15.355149,"_source":{"product":"Prepaid card","complaint_what_happened":"On XX/XX/year>, I made a purchase at a merchant called XXXX XXXX XXXX using Cash App in the amount of {$74.00}. During the transaction, the merchant stated that their payment system went down and claimed the payment did not go through. \n\nDespite this claim, the {$74.00} charge later posted and fully settled in my Cash App account. Because the merchant insisted the payment failed, I was required to submit a second payment in store in order to complete the purchase. \n\nAs a result, XXXX separate charges posted and settled in my Cash App account for what was effectively the same transaction. I disputed the original {$74.00} charge with Cash App and provided screenshots showing both charges as completed. \n\nCash App denied the dispute after reviewing the matter with the merchant, who claims their internal system does not reflect the original charge. However, the funds clearly left my account and settled, resulting in a duplicate charge. \n\nThe merchant refuses to issue a refund solely because their internal system does not show the charge, despite the fact that Cash App records confirm the transaction was completed. \n\nI am requesting that Cash App review the settlement and merchant processing records and refund the duplicate charge of {$74.00} that was taken from my account.","date_sent_to_company":"2026-01-06T12:57:32.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"34746","tags":"Servicemember","has_narrative":true,"complaint_id":"18494581","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-01-06T12:38:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["As a result, <em>XXXX</em> separate <em>charges</em> posted and settled in my Cash App account for what was effectively the same transaction. I <em>disputed</em> the original {$74.00} <em>charge</em> with Cash App and provided screenshots showing both <em>charges</em> as completed. \n\nCash App denied the <em>dispute</em> after reviewing the matter with the merchant, who claims their <em>internal</em> system does not reflect the original <em>charge</em>. However, the funds clearly left my account and settled, resulting in a duplicate <em>charge</em>."],"sub_issue":["Card company isn't resolving a <em>dispute</em> about a purchase or transfer"]},"sort":[15.355149,"18494581"]},{"_index":"complaint-public-v1","_id":"12582923","_score":15.284412,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing regarding my account [ XXXX ] with XXXX XXXX XXXX XXXX XXXX Please note that I am not disputing any charges or balances associated with this account. However, for my own internal records, I would like to request the following information regarding the charge-off :","date_sent_to_company":"2025-03-20T21:26:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19124","tags":null,"has_narrative":true,"complaint_id":"12582923","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-20T21:26:32.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing regarding my account [ <em>XXXX</em> ] with <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Please note that I am not <em>disputing</em> any <em>charges</em> or balances associated with this account. However, for my own <em>internal</em> records, I would like to request the following information regarding the <em>charge</em>-off :"]},"sort":[15.284412,"12582923"]},{"_index":"complaint-public-v1","_id":"4010373","_score":15.250359,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX spoke to my bank about transactions done via Cashapp, the services that were supposed to be provided by the Person XXXX XXXX resulted to be a fraud and never did anywork and just blocked me, i disputed the charges and my bank said they dont have any dispute rights becaude is a third party transaction, that in most of the cases Cash app grants disputes done internally with your company since this was a fraudulent transaction. I requested the refunds on the app and it clearly says if after 7 days there is no response, an internal dispute will be open in Cash app to get the money back, up to today already 10 days Cash App is giving me zero responses. Transaction sent to XXXX XXXX I need help, I can't believe you will support scams that people do with your company name. My cash app ID is : $ XXXX","date_sent_to_company":"2020-12-14T19:11:14.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"33130","tags":null,"has_narrative":true,"complaint_id":"4010373","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2020-12-14T19:08:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> spoke to my bank about transactions done via Cashapp, the services that were supposed to be provided by the Person <em>XXXX</em> <em>XXXX</em> resulted to be a fraud and never did anywork and just blocked me, i <em>disputed</em> the <em>charges</em> and my bank said they dont have any <em>dispute</em> rights becaude is a third party transaction, that in most of the cases Cash app grants <em>disputes</em> done <em>internally</em> with your company since this was a fraudulent transaction."]},"sort":[15.250359,"4010373"]},{"_index":"complaint-public-v1","_id":"17300608","_score":15.230027,"_source":{"product":"Credit card","complaint_what_happened":"I filed a merchandise-not-received dispute with American Express for a XXXX purchase that was never delivered. Before disputing, I contacted XXXX several times to resolve the issue directly. XXXX told me they could not provide a tracking number, could not identify the carrier, and had no delivery confirmation, GPS scan, signature, or photo. They also told me they could not locate the package and explicitly advised me to dispute the charge with American Express because they had no proof of delivery to provide. Despite this, American Express denied my dispute twice ( on XX/XX/XXXX and XX/XX/year> ), relying only on an internal XXXX XXXX system entry that says delivered, which is not actual proof of delivery. Walmarts internal code does not show who delivered the package, where it went, or whether it was delivered at all. I repeatedly informed American Express that XXXX has no tracking or delivery evidence and requested escalation to the Chargeback Team, but Amex refused unless I provided new information, even though the merchant has none. American Express is improperly denying the dispute without valid documentation and refusing to correct the decision. I am requesting CFPB assistance to require American Express to reevaluate the dispute under the proper standard and refund the charge since the merchant can not provide any proof of delivery.","date_sent_to_company":"2025-11-17T19:31:29.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"03110","tags":null,"has_narrative":true,"complaint_id":"17300608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-11-17T19:13:53.000Z","state":"NH","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["They also told me they could not locate the package and explicitly advised me to <em>dispute</em> the <em>charge</em> with American Express because they had no proof of delivery to provide. Despite this, American Express denied my <em>dispute</em> twice ( on XX/XX/<em>XXXX</em> and XX/XX/year> ), relying only on an <em>internal</em> <em>XXXX</em> <em>XXXX</em> system entry that says delivered, which is not actual proof of delivery. Walmarts <em>internal</em> code does not show who delivered the package, where it went, or whether it was delivered at all."],"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":[15.230027,"17300608"]},{"_index":"complaint-public-v1","_id":"12588603","_score":15.216907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing regarding my account [ XXXX ] with Navy Federal Credit Union XXXX Please note that I am not disputing any charges or balances associated with this account. However, for my own internal records, I would like to request the following information regarding the charge-off :","date_sent_to_company":"2025-03-20T21:26:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19124","tags":null,"has_narrative":true,"complaint_id":"12588603","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-03-20T21:19:37.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing regarding my account [ <em>XXXX</em> ] with Navy Federal Credit Union <em>XXXX</em> Please note that I am not <em>disputing</em> any <em>charges</em> or balances associated with this account. However, for my own <em>internal</em> records, I would like to request the following information regarding the <em>charge</em>-off :"]},"sort":[15.216907,"12588603"]},{"_index":"complaint-public-v1","_id":"1695345","_score":15.206921,"_source":{"product":"Credit card","complaint_what_happened":"PenFed The credit card company fails to withdraw funds automatically. The system changes within the company as stated by the agent over the phone suggests internal system issues. However, the company keeps charging delinquent fees to the account even after I make a over the phone payment with the agent. {$25.00} fee charged, automatic payment reversed and now the minimum payment has tripled. \n\nPenFed continues to not respond to e-mails, not file disputes, does not follow up on promises, does not withdraw funds from automatic payments. \n\nThe internal challenges of poor communication with customers, systems that fail to process payments, and invalid billing/websites are causing a massive burden to me as a consumer. I have to literally manage this account as a full-time job, If I do n't audit the account I find many charges that are without proper information or explanation. The company is only nice when it attempts to collect payments but when it comes to managing customer experience lacks any empathy or understanding. \n\nIt seems like they are happy to lend but unable to manage transactions, provide proper dispute process or work through their internal partnerships with a third party lender XXXX XXXX XXXX.","date_sent_to_company":"2015-12-17T16:07:13.000Z","issue":"Customer service / Customer relations","sub_product":null,"zip_code":"10512","tags":null,"has_narrative":true,"complaint_id":"1695345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2015-12-14T05:51:22.000Z","state":"NY","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["It seems like they are happy to lend but unable to manage transactions, provide proper <em>dispute</em> process or work through their <em>internal</em> partnerships with a third party lender <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>."]},"sort":[15.206921,"1695345"]},{"_index":"complaint-public-v1","_id":"18028651","_score":15.186696,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding Equifaxs failure to ensure maximum possible accuracy and to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) after I formally disputed inaccurate and internally inconsistent information reported for an XXXX XXXX auto-loan tradeline. \n\nOn XX/XX/year>, I submitted a detailed written dispute to Equifax concerning thXXXX XXXX XXXX auto loan account ending in XXXX. In that dispute, I identified specific inaccuracies and inconsistencies in the reporting of the account, including the current balance, past-due amount, charge-off amount, payment history, and narrative codes. According to my Equifax credit file, the account is reported as charged off with a charge-off amount of approximately {$14000.00}, while simultaneously reporting a remaining balance and past-due amount of approximately {$10000.00}. The XXXX history reflects a mix of CO codes and multiple delinquency codes, while the balance history shows a fixed balance for an extended period that does not clearly reconcile with the reported charge-off and prior payment activity. \n\nDespite this dispute and supporting documentation, the tradeline continues to be reported in a manner that is internally inconsistent and misleading. The Equifax report does not clearly explain how the charge-off amount, remaining balance, and past-due status were calculated, how payments were applied, or whether any repossession, sale of collateral, or cancellation-of-debt activity occurred. This lack of reconciliation raises serious concerns about whether the reported information reflects a lawful and accurate accounting of the obligation.\n\nUnder 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their credit file. Under 15 U.S.C. 1681e ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy. Upon notice of a dispute, the furnisher, XXXX XXXX, is also obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and correct or delete information that can not be verified. \n\nThe continued reporting of conflicting balances, charge-off figures, past-due amounts, and delinquency codes indicates that the disputed information has not been properly verified or reconciled. Reporting internally inconsistent auto-loan data is materially misleading and does not meet the FCRAs accuracy requirements.","date_sent_to_company":"2025-12-14T19:21:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"385XX","tags":null,"has_narrative":true,"complaint_id":"18028651","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-14T19:15:53.000Z","state":"TN","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am filing this complaint regarding Equifaxs failure to ensure maximum possible accuracy and to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) after I formally <em>disputed</em> inaccurate and <em>internally</em> inconsistent information reported for an <em>XXXX</em> <em>XXXX</em> auto-loan tradeline. \n\nOn XX/XX/year>, I submitted a detailed written <em>dispute</em> to Equifax concerning th<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> auto loan account ending in <em>XXXX</em>."]},"sort":[15.186696,"18028651"]},{"_index":"complaint-public-v1","_id":"18028652","_score":15.154357,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding XXXX failure to ensure maximum possible accuracy and to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) after I formally disputed inaccurate and internally inconsistent information reported for an ALLY FINANCIAL auto-loan tradeline. \n\nOn XX/XX/year>, I submitted a detailed written dispute to XXXX concerning the ALLY FINANCIAL auto loan account ending in XXXX. In that dispute, I identified specific inaccuracies and inconsistencies in the reporting of the account, including the current balance, past-due amount, charge-off amount, payment history, and narrative codes. According to my XXXX credit file, the account is reported as charged off with a charge-off amount of approximately {$14000.00}, while simultaneously reporting a remaining balance and past-due amount of approximately {$10000.00}. The 24-month history reflects a mix of CO codes and multiple delinquency codes, while the balance history shows a fixed balance for an extended period that does not clearly reconcile with the reported charge-off and prior payment activity.\n\nDespite this dispute and supporting documentation, the tradeline continues to be reported in a manner that is internally inconsistent and misleading. The XXXX report does not clearly explain how the charge-off amount, remaining balance, and past-due status were calculated, how payments were applied, or whether any repossession, sale of collateral, or cancellation-of-debt activity occurred. This lack of reconciliation raises serious concerns about whether the reported information reflects a lawful and accurate accounting of the obligation.\n\nUnder 15 U.S.C. 1681i ( a ), XXXX is required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their credit file. Under 15 U.S.C. 1681e ( b ), XXXX must follow reasonable procedures to assure maximum possible accuracy. Upon notice of a dispute, the furnisher, ALLY FINANCIAL, is also obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and correct or delete information that can not be verified.\n\nThe continued reporting of conflicting balances, charge-off figures, past-due amounts, and delinquency codes indicates that the disputed information has not been properly verified or reconciled. Reporting internally inconsistent auto-loan data is materially misleading and does not meet the FCRAs accuracy requirements.","date_sent_to_company":"2025-12-14T19:21:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"385XX","tags":null,"has_narrative":true,"complaint_id":"18028652","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-12-14T19:20:37.000Z","state":"TN","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am filing this complaint regarding <em>XXXX</em> failure to ensure maximum possible accuracy and to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) after I formally <em>disputed</em> inaccurate and <em>internally</em> inconsistent information reported for an ALLY FINANCIAL auto-loan tradeline. \n\nOn XX/XX/year>, I submitted a detailed written <em>dispute</em> to <em>XXXX</em> concerning the ALLY FINANCIAL auto loan account ending in <em>XXXX</em>."]},"sort":[15.154357,"18028652"]},{"_index":"complaint-public-v1","_id":"1931981","_score":15.148225,"_source":{"product":"Credit card","complaint_what_happened":"In XXXX XXXX I filed a complaint against Macy 's for gross mismanagement of my consumer credit account. The amount in dispute is {$2700.00} which I paid with official check in XXXX XXXX. Macys reversed charges in XXXX XXXX and in XXXX XXXX Macys admitted the matter was their own processing error following investigation by your bureau see [ Case number : XXXX ]. Macy 's acknowledged their internal error in writing and promised to take my account off their collections department calling list. With the matter still under dispute and investigation, and with full knowledge of their own internal errors, on XXXX XXXX, XXXX Macys posted negative statements to the credit agencies reporting the disputed amount with interest and penalties, as unpaid for 31-60 days. This immediately negatively impacted my credit report and my credit score dropped XXXX points within days. This matter is still under dispute and at the time of the negative reporting was still under federal investigation. Reporting it to credit agencies at this time and under these circumstances is malicious mismanagement of my credit. I demand Macys issue an immediate correction of this error on my credit report. Macy 's should not punish consumers for their own internal errors.","date_sent_to_company":"2016-05-18T17:55:59.000Z","issue":"Billing disputes","sub_product":null,"zip_code":"10036","tags":null,"has_narrative":true,"complaint_id":"1931981","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-05-18T17:55:58.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["In <em>XXXX</em> <em>XXXX</em> I filed a complaint against Macy 's for gross mismanagement of my consumer credit account. The amount in <em>dispute</em> is {$2700.00} which I paid with official check in <em>XXXX</em> <em>XXXX</em>. Macys reversed <em>charges</em> in <em>XXXX</em> <em>XXXX</em> and in <em>XXXX</em> <em>XXXX</em> Macys admitted the matter was their own processing error following investigation by your bureau see [ Case number : <em>XXXX</em> ]. Macy 's acknowledged their <em>internal</em> error in writing and promised to take my account off their collections department calling list."]},"sort":[15.148225,"1931981"]},{"_index":"complaint-public-v1","_id":"12547470","_score":15.146745,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX account attached to phone number XXXX was found inaccurate and written off prior to XX/XX/XXXX. The account was closed to a XXXX balance and removed from all credit reports by the end of year XXXX. \n\nFor the entire year of XXXX there are no charges to the zeroed and closed out account. XXXX of XXXXXXXX XXXX falsely reported a balance of {$290.00} to collection agency I.C. Systems, INC. \n\nAccount number with I.C. Systems is XXXX Followed up with XXXX XX/XX/XXXX and have confirmed reported account was closed to a XXXX balance by end of XXXXXXXX XXXX has filed an internal dispute filed for false account and reporting. Form ID for T-Mobile internal dispute is XXXX.","date_sent_to_company":"2025-03-18T09:29:27.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"802XX","tags":null,"has_narrative":true,"complaint_id":"12547470","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-03-18T09:03:29.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Systems is <em>XXXX</em> Followed up with <em>XXXX</em> XX/XX/<em>XXXX</em> and have confirmed reported account was closed to a <em>XXXX</em> balance by end of XXXXXXXX <em>XXXX</em> has filed an <em>internal</em> <em>dispute</em> filed for false account and reporting. Form ID for T-Mobile <em>internal</em> <em>dispute</em> is <em>XXXX</em>."]},"sort":[15.146745,"12547470"]},{"_index":"complaint-public-v1","_id":"18165779","_score":15.1448555,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I disputed a {$29.00} Cash App transaction made to XXXX XXXX XXXX on XX/XX/year> for XXXX study materials that were not delivered or not provided as described. \n\nCash App denied my dispute on XX/XX/year>, stating only that they didnt receive a description of the product or service. No merchant documentation or proof of delivery was provided to me. \n\nThe denial appears to be based on missing internal documentation rather than a proper dispute investigation. The burden was improperly placed on me as the consumer, and I was not provided evidence supporting the validity of the charge. \n\nI am requesting a full and fair review of this transaction and a refund of the {$29.00} charge.","date_sent_to_company":"2025-12-19T06:28:03.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"85206","tags":null,"has_narrative":true,"complaint_id":"18165779","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-12-19T06:08:57.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>disputed</em> a {$29.00} Cash App transaction made to <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> on XX/XX/year> for <em>XXXX</em> study materials that were not delivered or not provided as described. \n\nCash App denied my <em>dispute</em> on XX/XX/year>, stating only that they didnt receive a description of the product or service. No merchant documentation or proof of delivery was provided to me. \n\nThe denial appears to be based on missing <em>internal</em> documentation rather than a proper <em>dispute</em> investigation."]},"sort":[15.1448555,"18165779"]},{"_index":"complaint-public-v1","_id":"1693410","_score":15.129775,"_source":{"product":"Credit card","complaint_what_happened":"AMEX accepted a charge from a merchant against my account. I disputed it, as the merchant was a third party ( XXXX Mortgage ), did not have my authorization to charge my account, and the party that I had a relationship ( XXXX ) had indicated to me that no charges would be made, partially due to malfeasance by the third party and its agents. To respond to the dispute, the third party provided written documentation to AMEX stating that they were a telemarketing firm and had to charge people to stay in business, and provided a copy of my agreement with XXXX as proof. AMEX accepted that assertion as proof and closed the dispute. I fail to see how either was adequate. AMEX has since just told me that they really do n't process the dispute - it is just if they receive any response, they close it. Since AMEX closed my dispute, I have been fighting with AMEX to get them to look at their dispute process as the XXXX XXXX had no standing, and their accepting the charge and closing the dispute, when they were provided written evidence that they third party had no standing, were both evidences of broken processes within AMEX. I 've spoken to many CSRs and supervisors in card services at AMEX, and they all claim that there is no way to flag a call to have this matter looked into, there is no internal audit or internal controls group at AMEX, there is no Executive Customer Resolution center to escalate to, and all just basically dismiss my concerns. One call wen tot XXXX, but language difficulties prevented me from even getting them to understand the problem. XXXX call did get escalated to Fraud in XXXX, but they explained that they are n't really Fraud they are only set up to deal with Identity Theft. Based on this experience and other recent issues with them, I am in the process of closing a thirty-plus year relationship with them.","date_sent_to_company":"2015-12-11T19:53:48.000Z","issue":"Identity theft / Fraud / Embezzlement","sub_product":null,"zip_code":"75098","tags":null,"has_narrative":true,"complaint_id":"1693410","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2015-12-11T19:53:47.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["AMEX accepted a <em>charge</em> from a merchant against my account. I <em>disputed</em> it, as the merchant was a third party ( <em>XXXX</em> Mortgage ), did not have my authorization to <em>charge</em> my account, and the party that I had a relationship ( <em>XXXX</em> ) had indicated to me that no <em>charges</em> would be made, partially due to malfeasance by the third party and its agents."]},"sort":[15.129775,"1693410"]},{"_index":"complaint-public-v1","_id":"20332978","_score":15.117848,"_source":{"product":"Credit card","complaint_what_happened":"I am disputing an unauthrized {$33.00} fuel charge from XXXX XXXX XXXX ( Agreement XXXX ) I provided Chase with a final customer invoice issued by the merchant at XXXXXXXX XXXX on XX/XX/XXXX, which explicitly states \" Net Due From Driver : XXXX '' This document represents a settled agreement. Chase denied my dispute by accepting a contradictory internal merchant log created after the final invoice was issued. On XX/XX/XXXX, a Chase claims supervisor name XXXX refused to honor the XXXX-balance receipt, refused to provide a written summary of the decision, and stated my only recourse was to take the merchant to court. \n\nThis is a violation of my rights under the Fair Credit Billing Act. Chase has failed to conduct a reasonable investigation by ignoring final, legally binding receipt in favor of unverified internal merchant notes. 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