{"took":228,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":354,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9803386","_score":20.008629,"_source":{"product":"Credit card","complaint_what_happened":"We had raised dispute for Transaction which are charged to our Debit Card ending with XXXX on XXXX XXXX. Bank Name : - XXXX XXXX XXXX Card Ending With : - XXXX Date : - XXXX XXXX Checking Account : XXXX Transactions Details : - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. - USD XXXX After Raising the Disputes Request mercury XXXX  asked us the below details : - What merchants or services can you recall providing your card information? Answered by us : - As a XXXX XXXX XXXX XXXX XXXX, we book travel activities using credit cards and other IT tools. We have taken the services from Following merchants, primarily in travel : - XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Entertainment. Is your card stored in any digital wallets or digital payment features? Answered by us : -No, its not stored in any Digital Wallets or Digital payments features When was the last time you used your card? Please give the amount, merchant name, and date. Answered by us : - My last XXXX transactions were fraudulent, for which we raised the disputes, before that we used on XXXX XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/year> XXXX XXXX Are there any other unauthorized transactions in your account or on the card used? Answered by us : -There are only XXXX transactions for which I raised the chargeback. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. XXXX XXXX XXXX anyone else have access to your card details, or has anyone else ever been authorized to use your card? If so, provide their name and relation to you/the business. Answered by us : - No one have the card. After providing the above question mercury bank denied to raise the disputes on by mentioning that Upon review, this case does not fall within Mercury 's dispute policies., and they denied to raise the dispute with merchants. Cardholders can dispute charges on their credit card statements, particularly for fraudulent or inaccurate transactions. The card issuer is responsible for raising disputes with merchants and providing provisional credit. If the merchant can prove that the cardholders only received the services, the dispute may be resolved in favor of the merchant. However, Mercury XXXX have failed to initiate requests with merchants and have not followed the processes outlined by XXXX and XXXX. We are requesting a reversal of the transaction to our account and notifying Mercury to adhere to the established guidelines.","date_sent_to_company":"2024-08-14T05:12:13.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"19805","tags":null,"has_narrative":true,"complaint_id":"9803386","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mercury Technologies, Inc.","date_received":"2024-08-14T05:07:18.000Z","state":"DE","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["We had <em>raised</em> <em>dispute</em> for Transaction which are charged to our Debit <em>Card</em> ending with XXXX on XXXX XXXX. Bank Name : - XXXX XXXX XXXX <em>Card</em> Ending With : - XXXX Date : - XXXX XXXX Checking Account : XXXX <em>Transactions</em> Details : - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. - USD XXXX After <em>Raising</em> the <em>Disputes</em> Request mercury XXXX  asked us the below details : - What merchants or services can you recall providing <em>your</em> <em>card</em> information?"],"product":["Credit <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["Credit <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on <em>your</em> statement"]},"sort":[20.008629,"9803386"]},{"_index":"complaint-public-v1","_id":"9184769","_score":18.695288,"_source":{"product":"Credit card","complaint_what_happened":"There were XXXX fraud transactions on my XXXX Bank of America Credit card ending in XXXX On XX/XX/XXXX at XXXX XXXX XXXX for {$460.00} which was automatically flagged by BOFA as suspicious and asking me to Authorized. I replied NO to this question and the charge was not applied to the card. \n\nOn XX/XX/XXXX XXXX fraud transactions were done on my XXXX Bank of America Credit card XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX # XXXX XXXX WA {$120.00} These were not flagged by BOFA as suspicious and they appeared on my credit card transactions list. \n\nWhen I saw these pending transactions, I immediately disputed them as fraud and raised a claim with BOFA Claim no : XXXX. I also cancelled & suspended the credit card and requested a replacement. \nBOFA declined the fraud claim with the following reason : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. \n\nHowever this was not the case, since the said card is still in my possession. I re-raised the claim in XXXX and it was denied again with the same aforementioned reason.","date_sent_to_company":"2024-06-06T00:13:12.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98033","tags":null,"has_narrative":true,"complaint_id":"9184769","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-06-05T23:58:59.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX XXXX fraud <em>transactions</em> were done on my XXXX Bank of America Credit <em>card</em> XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX # XXXX XXXX WA {$120.00} These were not flagged by BOFA as suspicious and they appeared on my credit <em>card</em> <em>transactions</em> list. \n\nWhen I saw these pending <em>transactions</em>, I immediately <em>disputed</em> them as fraud and <em>raised</em> a claim with BOFA Claim no : XXXX. I also cancelled & suspended the credit <em>card</em> and requested a replacement."],"product":["Credit <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[18.695288,"9184769"]},{"_index":"complaint-public-v1","_id":"18304987","_score":15.949422,"_source":{"product":"Checking or savings account","complaint_what_happened":"Reinstating full debit card access and removing any unjustified account restrictions, unless there is clear, documented risk they can explain in writing.Refunding any fees, penalties, or costs you incurred because they blocked your card without notice and your autopay bills failed ( late fees, returnedpayment fees, etc. ) .Providing a written explanation of why your card was blocked, what too many fraud alerts means in your case, and how they will ensure you receive timely fraud/restriction notifications in the future ( phone, text, email, or app alerts ) .Conducting and documenting a full review of the disputed unauthorized charge and confirming that you are not held responsible for any fraudulent transactions.Reviewing your credit denials and account flags to ensure they comply with fair lending and consumer protection laws, and correcting any improper restrictions or notations related to your old bankruptcy.If you raised concerns about discrimination, completing a formal investigation of potential discriminatory treatment and providing a written response on their findings and any corrective actions.","date_sent_to_company":"2025-12-26T21:46:09.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"37043","tags":null,"has_narrative":true,"complaint_id":"18304987","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-12-26T21:36:04.000Z","state":"TN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["in the future ( phone, text, email, or app alerts ) .Conducting and documenting a full review of the <em>disputed</em> unauthorized charge and confirming that you are not held responsible for any fraudulent <em>transactions</em>.Reviewing <em>your</em> credit denials and account flags to ensure they comply with fair lending and consumer protection laws, and correcting any improper restrictions or notations related to <em>your</em> old bankruptcy.If you <em>raised</em> concerns about discrimination, completing a formal investigation of potential"],"sub_issue":["Problem using a debit or ATM <em>card</em>"]},"sort":[15.949422,"18304987"]},{"_index":"complaint-public-v1","_id":"10881941","_score":15.870756,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau Subject : Formal Report of Credit Card Fraud and Identity Theft I am writing to formally report a case of credit card fraud and identity theft that has caused me significant financial and emotional distress. I am seeking your assistance in investigating this matter and taking necessary actions to ensure that justice is served. Below are the details of the incident. \n1. Summary of the Incident : The first unauthorized transaction was made on XX/XX/year>, and posted on XX/XX/year>, approximately one week before I detected fraud. \n\n2. Timeline of Events : Initial Fraudulent Transaction : The first unauthorized transaction was made on XX/XX/year>, and posted on XX/XX/year>, approximately XXXX week before I detected fraud. \nSubsequent Transactions : Between XX/XX/XXXX and XX/XX/year>, a total of XXXX fraudulent transactions were made, amounting to approximately {$42000.00}. These transactions appeared in my account even after I raised an initial claim and canceled the card. \n\nUpon questioning why charges continued despite the cancellation, the bank informed me that these transactions had been kept \" pending '' and were later approveddespite clear signs of fraud. I subsequently raised XXXX claim cases to contest these charges. \nAction Taken by Me : Upon detecting the fraud, I immediately : I. Locked the card on XX/XX/year>. \nII. Contacted the credit card issuer to report the fraudulent transactions and raised total of XXXX disputes. \nIII. Canceled the compromised card and received a replacement, which I have not activated, awaiting resolution of the issue. \nBanks Response : Despite mentioning the fact that I was over XXXX miles away from the fraudulent transaction locations, the bank rejected my claim. Their rejection was based on the assertion that the physical card was present at the PoS, which contradicts the fact that I have the card in my possession. \n3. Concerns with the Bank 's Handling of the Case : The bank failed to flag or block the suspicious activity during the week when XXXX transactions were made, including multiple high-value purchases and transactions exceeding my credit limit ( {$11000.00} ). \nTransactions were approved despite being geographically implausible, such as purchases made hundreds of miles apart within hours. \nThe bank has demanded additional proof, such as video footage from merchant locations, which I can not procure. \n4. Evidence Available Physical Card : have retained the physical card. \nXXXX XXXX : The card statement confirms my usage in North Carolina, over XXXX miles away from the fraudulent transaction sites during the fraud period. I can provide XXXXXXXX XXXX  data upon request to further corroborate this. \nA record of communication with the credit card company regarding my claims and their subsequent rejection. \nClaims Details- o Claim XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Credit card Statements-Available for verification summary of the charges : Total Charges- {$42000.00} Total Transaction- {$510.00} No of states-6 No of merchant-24 Date between- XXXX XXXX XXXX \n\n5. Impact on Me : The bank has held me liable for these fraudulent charges and is demanding payment, putting me at risk of financial and credit damage. I am deeply concerned about the potential misuse of my identity beyond this incident and fear further repercussions. \nRequest for Assistance : I respectfully request your intervention in this matter to : Investigate the fraudulent transactions and determine how my card information was compromised. \nHold the responsible parties accountable, including individuals or merchants involved in the fraud. \nProtect my financial and personal identity from further misuse. \nI am prepared to provide additional documentation or details to assist in your investigation. Please feel free to contact me at XXXX or XXXX for further communication. \nThank you for your attention to this matter. I trust in your expertise and commitment to addressing financial crimes and protecting citizens from fraud. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-11-22T08:22:49.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"28027","tags":null,"has_narrative":true,"complaint_id":"10881941","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2024-11-22T08:09:01.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I subsequently <em>raised</em> XXXX claim cases to contest these charges. \nAction Taken by Me : Upon detecting the fraud, I immediately : I. Locked the <em>card</em> on XX/XX/year>. \nII. Contacted the credit <em>card</em> issuer to report the fraudulent <em>transactions</em> and <em>raised</em> total of XXXX <em>disputes</em>. \nIII. Canceled the compromised <em>card</em> and received a replacement, which I have not activated, awaiting resolution of the issue."],"sub_product":["Credit <em>card</em> debt"]},"sort":[15.870756,"10881941"]},{"_index":"complaint-public-v1","_id":"13123277","_score":15.663631,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year> I submitted XXXX disputes ( totaling {$1200.00} ) with Discover regarding XXXX XXXX, expecting them to assist me in obtaining refunds on these transactions due to services not rendered, service promises undelivered, providing false medication, and some deliveries never delivered. Discover decided to rule in the favor of XXXX XXXX, even with my extensive slew of documentation of the events that have unraveled. \n\nDiscover preaches about buyer protection, putting the customer first, and ensuring our safety when making purchases with our Discover card - but to date, I have never, not once, seen any of that protection. \n\nTheir policies via https : //www.discover.com/credit-cards/card-smarts/how-to-dispute-a-credit-card-charge/ state that you can dispute transactions for various reasons, including : \" Qualifying service issues You can make a transaction dispute when a retailer refuses to correct a service issue. Service issues include : You paid for something that a merchant didnt deliver Theres a quality issue with a purchase What you paid for wasnt delivered as agreed While youll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute a credit card transaction when there are these types of service issues. '' All of my transactions fall under this category. I also have the right to raise my disputes for appeal, but customer service refuses to assist me in doing so. Hence, my complaint with the CFPB. Thank you for your time.","date_sent_to_company":"2025-04-22T21:06:42.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"98037","tags":null,"has_narrative":true,"complaint_id":"13123277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-04-22T20:59:39.000Z","state":"WA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I also have the right to <em>raise</em> my <em>disputes</em> for appeal, but customer service refuses to assist me in doing so. Hence, my complaint with the CFPB. Thank you for <em>your</em> time."],"product":["Credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[15.663631,"13123277"]},{"_index":"complaint-public-v1","_id":"8168145","_score":15.357727,"_source":{"product":"Credit card","complaint_what_happened":"Transaction - Case # XXXX Dear Bank of America Customer Service, I hope this letter finds you well. I am writing to express my disagreement with the recent decision to deny my dispute regarding a specific charge on my credit card account. \nIn your response, it was mentioned that XXXX on your account history, this charge is consistent with previous charges with this merchant. While I understand the importance of analyzing transaction history, I would like to bring to your attention that the particular charge in question was not authorized by me. \nI discovered that charge on my credit card statement that I did not authorize or recognize. After thorough investigation, it has become evident that this transaction was not initiated by me, and I believe my card information may have been compromised. \nThe circumstances surrounding this transaction have raised significant concerns about the security of my credit card. I firmly believe that my card may have been used by someone without my consent, leading to this unauthorized charge. In light of this, I felt compelled to dispute the transaction and subsequently canceled my card to prevent any further unauthorized activity. This unauthorized transactions have caused significant financial strain, and I am eager to resolve this matter promptly. \nI am fully committed to cooperating with your investigation and providing any necessary information to clarify the nature of this dispute. The unauthorized use of my card poses a genuine security risk, and I believe it is crucial to address this matter promptly. \nI kindly request a thorough reconsideration of my dispute, taking into account the potential unauthorized access and the need to protect the security of my financial information. Your understanding and prompt attention to this matter are greatly appreciated. \nThank you for your assistance.","date_sent_to_company":"2024-01-17T14:53:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"85085","tags":null,"has_narrative":true,"complaint_id":"8168145","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-01-17T14:37:30.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["In light of this, I felt compelled to <em>dispute</em> the transaction and subsequently canceled my <em>card</em> to prevent any further unauthorized activity. This unauthorized <em>transactions</em> have caused significant financial strain, and I am eager to resolve this matter promptly. \nI am fully committed to cooperating with <em>your</em> investigation and providing any necessary information to clarify the nature of this <em>dispute</em>."],"product":["Credit <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["Credit <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on <em>your</em> statement"]},"sort":[15.357727,"8168145"]},{"_index":"complaint-public-v1","_id":"12311479","_score":15.017378,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dispute for {$390.00} filed XX/XX/year>. \n\nDear Wells Fargo XXXX XXXX XXXX XXXX, I appreciate your response regarding my claim ; however, I must firmly reiterate that the disputed charges were unauthorized. The same duplicate charges were successfully refunded to my CREDIT CARD as fraud, yet my debit card remains unrefunded for the exact same transactions. This inconsistency raises serious concerns about the fairness and accuracy of your fraud review process. \n\nAdditionally, I did not authorize these transactions or provide a signature. My signature was forged by the vendor, which is a clear act of fraud. I am willing to provide a notarized statement attesting to this fact. The expectation that I should resolve this with the merchantwho has already engaged in fraudulent activityis not only unreasonable but adds unnecessary hardship to an already distressing situation. \n\nThe financial and emotional toll of this fraudulent activity has been significant. The loss of these funds has caused considerable distress, impacting my financial stability and adding undue strain to my daily life. This situation has required me to spend excessive time and effort disputing these charges, only to face an inadequate and dismissive response. The stress and frustration of being denied rightful reimbursement have disrupted my sense of security and trust in my banking institution. \n\nI urge you to escalate this matter for further review, taking into account the financial and emotional hardship caused by your decision. Please confirm receipt of this response and provide a clear timeline for the next steps in resolving this issue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-04T20:40:01.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"12311479","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-03-04T20:30:32.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["<em>Dispute</em> for {$390.00} filed XX/XX/year>. \n\nDear Wells Fargo XXXX XXXX XXXX XXXX, I appreciate <em>your</em> response regarding my claim ; however, I must firmly reiterate that the <em>disputed</em> charges were unauthorized. The same duplicate charges were successfully refunded to my CREDIT <em>CARD</em> as fraud, yet my debit <em>card</em> remains unrefunded for the exact same <em>transactions</em>. This inconsistency <em>raises</em> serious concerns about the fairness and accuracy of <em>your</em> fraud review process."],"sub_issue":["Problem using a debit or ATM <em>card</em>"]},"sort":[15.017378,"12311479"]},{"_index":"complaint-public-v1","_id":"2770004","_score":14.974372,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened the checking account on XX/XX/XXXX/2017 at XXXX XXXX NJ branch presenting the promo printout - Earn up to $ XXXX When you open a new, qualifying PNC checking product! \nOffer amount varies depending on the type of product opened. \nCOUPON ID : XXXX Offer ends XX/XX/XXXX, 2017 Terms, in dispute, was - Make 10 purchases with a PNC XXXX Debit Card. \n\" A qualifying debit card purchase is defined as any debit card purchase made at point of sale using your signature or PIN, or a purchase made electronically or online .. \" I did many transaction inXX/XX/XXXX '17, established Direct Deposit, etc. Terms clearly stated electronic transactions would count towards  Debit Card transactions. Above quote is direct from the promo in my mailbox and the one I presented to branch while opening the account. Now, PNC reps tell me that it needs to be physical Debit Card transaction only. I told them I can forward the promo I received but they say that they ca n't help me. Service request was raised No.  XXXX and was rejected for the same reason. \n\nI ca n't understand, how can company not honor it 's own promo!!! So, frustrating!!","date_sent_to_company":"2018-01-02T20:20:35.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"086XX","tags":null,"has_narrative":true,"complaint_id":"2770004","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2018-01-02T20:04:45.000Z","state":"NJ","company_public_response":null,"sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["COUPON ID : XXXX Offer ends XX/XX/XXXX, 2017 Terms, in <em>dispute</em>, was - Make 10 purchases with a PNC XXXX Debit <em>Card</em>. \n\" A qualifying debit <em>card</em> purchase is defined as any debit <em>card</em> purchase made at point of sale using <em>your</em> signature or PIN, or a purchase made electronically or online .. \" I did many transaction inXX/XX/XXXX '17, established Direct Deposit, etc. Terms clearly stated electronic <em>transactions</em> would count towards  Debit <em>Card</em> <em>transactions</em>."]},"sort":[14.974372,"2770004"]},{"_index":"complaint-public-v1","_id":"6783014","_score":14.949208,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am writing this letter in response to a dispute raised by me for a fraud transaction with issue control number # XXXX  with the amount of {$920.00}. This transaction occurred on XX/XX/XXXX. I realized that this transaction was fraud as soon as I got a notification on my iOS device about the amount charged from the wallet app. I quickly reported this issue to XXXX XXXX who is the merchant for this transaction. As a result, they created a case ID ( XXXXX ) for this dispute. I immediately made sure to change my account password so the fraudster would not be able to perform more transactions. I also raised this dispute with Apple Card ( Goldman Sachs ) so that I will not be liable for the amount that I did not authorize. Unfortunately, the dispute was not resolved in my favor most likely because of lack of sufficient evidence. During the last dispute which was resolved against my favor, I received the chargeback dispute letter by the merchant incorrectly showing that I authorized this transaction. On the same letter, under complementary transaction information section, it is listed that I used an Android device with a device number XXXX for this transaction. Please take note of the fact that, this dispute was raised on an Apple Credit Card for which requires an iOS device. I do not own or operate any Android device since the year XXXX and the fact that I use an iOS device can be confirmed through Apple. \nI believe the fraudster used an Android device to gain access to my XXXX XXXX account through the password which was compromised through other data breaches. Since XXXX XXXX does not require a two-factor authentication and my credit card details were saved and store on my account by XXXX XXXX , the fraudster was able to successfully process the transaction without my authorization. The fraudster made multiple attempts to use my saved card details but the transaction was rejected every time except this one. XXXX XXXX as a money exchange service failed to notify me about the suspicious transactions.hese transfer details documents, please focus your attention on the delivery method section ; even though my name appears under receivers, the account listed under delivery method varies on each attempted transactions and does not belong to me. Also, I am attaching another transfer details which I have authorized in the past with MTCN tracking number - XXXX XXXX XXXX, please refer to the delivery method section which mentions the bank and account details which really belong to me. \nSince XXXX XXXX is a currency transfer/exchange agency and I have been in the business with them since a few years, I request that the merchant provides the bank account details of the receiving account and see if the details match with my name and identity. \nI kindly request you to look into this issue and my supporting documents since I am firm that this transaction was not authorized by me which may potentially affect my credit score for none of my fault.","date_sent_to_company":"2023-04-01T13:35:04.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"22031","tags":null,"has_narrative":true,"complaint_id":"6783014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2023-04-01T13:03:29.000Z","state":"VA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I immediately made sure to change my account password so the fraudster would not be able to perform more <em>transactions</em>. I also <em>raised</em> this <em>dispute</em> with Apple <em>Card</em> ( Goldman Sachs ) so that I will not be liable for the amount that I did not authorize. Unfortunately, the <em>dispute</em> was not resolved in my favor most likely because of lack of sufficient evidence."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[14.949208,"6783014"]},{"_index":"complaint-public-v1","_id":"15917250","_score":14.91341,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Follow-up Complaint Regarding Disputed Transactions Lack of Settlement Date Proof I previously filed a dispute regarding XXXX airline ticket charges on my Apple Card that I did not use. While my initial complaint focused on the merchants refusal to refund, I am now raising a separate and new issue with Goldman Sachs Bank USAs handling of these disputes. \nSpecifically : I formally requested Goldman Sachs to provide the settlement date and network clearing evidence for the XXXX disputed transactions ( {$110.00} on XX/XX/year>, and {$270.00} on XX/XX/year> ). \nGoldman Sachs has failed to provide such evidence but continues to demand payment. \nThis conduct is unfair because without settlement proof, there is no confirmation that the merchants right to collect remains valid under card network rules. \nI believe this is a violation of my dispute rights under the Fair Credit Billing Act ( FCBA ). I respectfully request CFPB to require Goldman Sachs to either : Provide the settlement date and clearing reference for both transactions, or Remove these disputed charges from my account if the merchants settlement rights have expired. \nI am requesting that Goldman Sachs ( Apple Card ) permanently remove the XXXX disputed charges of {$270.00} ( XX/XX/year> ) and {$110.00} ( XX/XX/year> ) from my account. \nI did not take either flight and I notified both the merchant and my credit card company in a timely manner. I also submitted supporting evidence, including cancellation attempts and the merchants refund policy. Goldman Sachs failed to investigate my case fairly and repeatedly asked for more evidence instead of considering the documentation I already provided. \nIt is not reasonable that I should pay for services I never received. The fair resolution is a full reversal of both charges and closure of these disputes in my favor. \nThank you for your assistance. \nXXXX XXXX Apple Card account ending in XXXX","date_sent_to_company":"2025-09-13T17:52:49.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"44001","tags":null,"has_narrative":true,"complaint_id":"15917250","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-09-13T17:25:44.000Z","state":"OH","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Subject : Follow-up Complaint Regarding <em>Disputed</em> <em>Transactions</em> Lack of Settlement Date Proof I previously filed a <em>dispute</em> regarding XXXX airline ticket charges on my Apple <em>Card</em> that I did not use. While my initial complaint focused on the merchants refusal to refund, I am now <em>raising</em> a separate and new issue with Goldman Sachs Bank USAs handling of these <em>disputes</em>."],"product":["Credit <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["Credit <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on <em>your</em> statement"]},"sort":[14.91341,"15917250"]},{"_index":"complaint-public-v1","_id":"21303159","_score":14.575391,"_source":{"product":"Credit card","complaint_what_happened":"Dear cfpb I am writing to formally report a case of fraud that I have recently experienced. On Tuesday, XX/XX/year>, during my lunch break, I accessed my Klarna account to review my balance, as I had recently made a purchase of expensive sneakers from saks.com. \n\nUpon reviewing my account, I observed a balance exceeding {$3000.00}, which immediately raised a significant concern. I proceeded to examine all unfamiliar charges, which dated back to XX/XX/year>. I was unaware of these transactions and initiated a dispute with Klarna for all unauthorized charges. I also requested a thorough investigation and a callback from a manager. \n\nOn XX/XX/year>, I checked my Klarna account again and noted that the fraudulent charges I had reported had been reversed, leaving me with a balance of over {$3000.00}. I promptly contacted Klarna, and a representative was unable to provide a clear explanation for the reversal of all the unauthorized charges. \n\nFurther investigation into my text messages from Klarna revealed a message received on XX/XX/year>, stating : \" XXXX XXXX, we spotted unusual activity on your card XXXX XXXX XXXX. A transaction on XX/XX/year> was rejected and your card is frozen. Unfreeze it in the app. Need help? Call ( XXXX ) XXXX anytime. '' This message explicitly indicates unusual activity. I am seeking clarification as to why payments were processed without customer verification and why subsequent transactions were submitted without confirming their authorization. \n\nI request an urgent review of this matter and a comprehensive explanation for the processing of unauthorized transactions and the subsequent reversal of the disputed charges. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-04-16T15:17:58.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"10456","tags":null,"has_narrative":true,"complaint_id":"21303159","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Klarna AB","date_received":"2026-04-16T15:07:19.000Z","state":"NY","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Further investigation into my text messages from Klarna revealed a message received on XX/XX/year>, stating : \" XXXX XXXX, we spotted unusual activity on <em>your</em> <em>card</em> XXXX XXXX XXXX. A transaction on XX/XX/year> was rejected and <em>your</em> <em>card</em> is frozen. Unfreeze it in the app. Need help? Call ( XXXX ) XXXX anytime. '' This message explicitly indicates unusual activity."],"product":["Credit <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["Store credit <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[14.575391,"21303159"]},{"_index":"complaint-public-v1","_id":"7873436","_score":14.5022135,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/2023 Synovus Bank Subject : Report of Unauthorized ATM Withdrawals and Request for Investigation Account numberXXXX Dear Synovus Bank , I hope this letter finds you well. I am writing to inform you about a series of unauthorized ATM withdrawal transactions that have occurred on my checking account, as well as to request an immediate investigation into the matter. I kindly request your assistance in resolving this issue promptly. \n\nDuring my recent vacation outside the country, I received a text message alert regarding a possible fraudulent transaction. Upon receiving the message, I promptly responded by confirming that I had not used my card for any such transaction. As a precautionary measure, the bank locked my card to protect against any further unauthorized use. \n\nNow that I have returned to the United States and accessed my account, I have discovered multiple unauthorized ATM withdrawals that transpired on a daily basis. Surprisingly, the bank 's fraud detection system failed to identify any unusual activity, raise any red flags, or lock the card during this period. It is important to note that the only instance in which I used the card was to purchase gasoline at XXXX. \n\nIn light of these circumstances, I urgently request that you take the following actions : XXXX. Report the card as lost or stolen : It is apparent that my card is missing, as unauthorized withdrawals have taken place without my knowledge or consent. Therefore, I kindly request that you immediately report the card as lost or stolen to prevent any further unauthorized transactions. \n\n2. Initiate a dispute : Given that all the ATM withdrawals conducted using my checking account were unauthorized and fraudulent, I hereby request that you open a dispute for each transaction. I expect that the necessary measures will be taken to ensure that the funds wrongfully withdrawn from my account are returned promptly.\n\n3. Conduct a thorough investigation : I further request that your institution conducts a comprehensive investigation into the matter. As part of this investigation, I kindly ask that you retrieve and review the ATM camera footage from the locations where my card was used to withdraw funds without authorization. I believe that this evidence will help identify the individuals responsible for the fraudulent transactions. \n\nI trust that you will handle this matter with utmost urgency and professionalism. It is of utmost importance to rectify this situation promptly and to ensure that appropriate safeguards are put in place to prevent similar incidents from occurring in the future. \n\nShould you require any additional information or have any questions, please do not hesitate to contact me via email at [ Email Address ] or by phone at [ Phone Number ]. I am available at your convenience to provide any necessary documentation or further assist in your investigation. \n\nI appreciate your immediate attention to this matter and look forward to a swift resolution.","date_sent_to_company":"2023-11-15T06:10:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33323","tags":null,"has_narrative":true,"complaint_id":"7873436","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2023-11-15T06:02:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Report the <em>card</em> as lost or stolen : It is apparent that my <em>card</em> is missing, as unauthorized withdrawals have taken place without my knowledge or consent. Therefore, I kindly request that you immediately report the <em>card</em> as lost or stolen to prevent any further unauthorized <em>transactions</em>. \n\n2. Initiate a <em>dispute</em> : Given that all the ATM withdrawals conducted using my checking account were unauthorized and fraudulent, I hereby request that you open a <em>dispute</em> for each transaction."],"sub_issue":["Problem using a debit or ATM <em>card</em>"]},"sort":[14.5022135,"7873436"]},{"_index":"complaint-public-v1","_id":"16186662","_score":14.344685,"_source":{"product":"Credit card","complaint_what_happened":"Dear Customer Service, On XX/XX/year>, a fraudulent transaction of {$450.00} was charged to my Discover Card through the XXXX XXXX using XXXX XXXX I did not authorize or make this payment. \n\nI contacted Discover Customer Service on XX/XX/year> to dispute this charge. Following your investigation, I was informed that Discover has concluded I made the transaction. I strongly disagree with this outcome and am requesting a proper reinvestigation. \n\nFor reference, I am enclosing my XXXX and XX/XX/year> Discover Card statements : On XX/XX/year>, I made a legitimate XXXXXXXX XXXX  transaction of {$16.00}. \n\nHowever, on XX/XX/year>, the charge of {$450.00} to the XXXX XXXX via XXXX XXXX was not made by me. You can compare the description of my XXXXXXXX XXXX from both the statements. \n\nI would like to emphasize that : I have never downloaded the XXXX XXXX \nI have not made any transactions to XXXX  through my XXXX XXXX account. \nThe disputed charge is unauthorized and fraudulent. \nAlso I could not find any transaction history for XXXX  from my XXXX pay account. \n\nI am also enclosing the dispute email I raised with Discover on XX/XX/year> for your review. \n\nI respectfully request that Discover conduct a thorough reinvestigation of this matter and issue a credit of {$450.00} to my account for the fraudulent charge. \n\nThank you for your prompt attention. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-09-25T03:20:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"275XX","tags":null,"has_narrative":true,"complaint_id":"16186662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-09-25T03:02:03.000Z","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":["The <em>disputed</em> charge is unauthorized and fraudulent. \nAlso I could not find any transaction history for XXXX  from my XXXX pay account. \n\nI am also enclosing the <em>dispute</em> email I <em>raised</em> with Discover on XX/XX/year> for <em>your</em> review. \n\nI respectfully request that Discover conduct a thorough reinvestigation of this matter and issue a credit of {$450.00} to my account for the fraudulent charge. \n\nThank you for <em>your</em> prompt attention. \n\nSincerely, XXXX XXXX XXXX"],"product":["Credit <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["Credit <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on <em>your</em> statement"]},"sort":[14.344685,"16186662"]},{"_index":"complaint-public-v1","_id":"8102983","_score":14.284012,"_source":{"product":"Credit card","complaint_what_happened":"I am currently in a major dispute for fraudulent charges between XXXX with Barclays Bank regarding my JetBlue XXXX XXXX. \n\nDespite a detailed discussion with a representative on XX/XX/XXXX ( when the fraudulent activity was first brought to my attention ) and assurances in line with Barclays ' {$0.00} Fraud Liability protection, I was dismayed to find all of these charges were taken off and then re-added to my account, totaling {$1800.00}. \n\nBarclays ' commitment, as stated on their website, assures customers that they are not responsible for unauthorized purchases reported to you, regardless of the card 's status. This assurance is a cornerstone of my trust in their services, and its breach is a matter of grave concern. \n\nI would like to highlight the following critical points for your immediate action : Questionable Investigation : I was informed that these transactions are being challenged because someone physically used my card 's chip. However, this does not align with the presence of the dozen or so XXXX charges on my statement, which are purely electronic. This inconsistency raises serious doubts about the thoroughness of their investigation, suggesting a lack of due diligence. \n\nLocation Discrepancy : I work in XXXX XXXXXXXX XXXX  six days a week, making it impossible for me to be in the XXXX making purchases at XXXX  or any food places during the period of these fraudulent transactions. If anybody looked at my previous statements they would see I never have been in the XXXX and use my card sparingly. Barclays should have picked up on these fraudulent transactions sooner then a 10 day period. There are charges from XXXX of {$500.00} and {$200.00}. Why would I do that? I didn't!!!! \n\nAuthorized Transactions : The XXXX XXXX charge on XX/XX/XXXX ( {$9.00} ) and the XXXX XXXX  on XX/XX/XXXX ( {$4.00} ) were the only transactions made by me. \n\nDisputed Amount : The remaining balance of {$1800.00} represents fraudulent activity, and under their zero liability policy, I should not be held responsible. \n\nAdditional Evidence : I have already sent in my XXXX Account statements, and work schedule to corroborate that I couldn't of been in the XXXX during any of these purchases. \n\nPost-Compromise Charges : All purchases after receiving the new card on XX/XX/XXXX are legitimate and fully paid. \n\nThe current situation not only contradicts Barclays ' stated policy but also reflects poorly on the rigor of the investigation into these fraudulent charges. I have spent atleast 5 hours on the phone disputing these transactions. I urge them to re-examine the evidence, considering my regular work location and the nature of the charges ( physical vs. electronic ), to correct this error. \n\nThank you for your prompt attention to this urgent matter.","date_sent_to_company":"2024-01-04T14:12:49.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"11561","tags":null,"has_narrative":true,"complaint_id":"8102983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2024-01-04T13:46:15.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I would like to highlight the following critical points for <em>your</em> immediate action : Questionable Investigation : I was informed that these <em>transactions</em> are being challenged because someone physically used my <em>card</em> 's chip. However, this does not align with the presence of the dozen or so XXXX charges on my statement, which are purely electronic. This inconsistency <em>raises</em> serious doubts about the thoroughness of their investigation, suggesting a lack of due diligence."],"product":["Credit <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[14.284012,"8102983"]},{"_index":"complaint-public-v1","_id":"12458699","_score":14.177043,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to bring to your attention a concerning situation regarding a credit repair agency that has engaged in fraudulent behavior. I recently submitted copies of cancellation forms to the agency after discovering that they were making false claims about having staff attorneys who could magically repair credit. \n\nDespite submitting a cancellation form in XX/XX/2024, the agency continued to charge my credit card exorbitant fees without my consent. Upon realizing this, I took immediate action and disputed these unauthorized transactions with Apple/Goldman Sachs XXXX During my investigation, I discovered that the agency had previously been investigated for wrongfully handling disputes, raising serious concerns about their business practices. \n\nI firmly believe that the actions of this agency not only violate laws regarding consumer protection but also constitute outright fraud. I urge you to investigate this matter further and take appropriate action to address this credit repair scam.","date_sent_to_company":"2025-03-13T15:15:22.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"648XX","tags":null,"has_narrative":true,"complaint_id":"12458699","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-03-13T15:01:04.000Z","state":"MO","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Upon realizing this, I took immediate action and <em>disputed</em> these unauthorized <em>transactions</em> with Apple/Goldman Sachs XXXX During my investigation, I discovered that the agency had previously been investigated for wrongfully handling <em>disputes</em>, <em>raising</em> serious concerns about their business practices. \n\nI firmly believe that the actions of this agency not only violate laws regarding consumer protection but also constitute outright fraud."],"product":["Credit <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["Credit <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on <em>your</em> statement"]},"sort":[14.177043,"12458699"]},{"_index":"complaint-public-v1","_id":"16651020","_score":14.054928,"_source":{"product":"Checking or savings account","complaint_what_happened":"To : Wells Fargo Customer Claims Department Subject : Dispute of Unauthorized Transaction {$220.00} on XX/XX/XXXX Dear Wells Fargo Team, I am writing to formally dispute a denied claim regarding an unauthorized transaction totaling {$220.00}, which occurred on XX/XX/XXXX at XXXX. This purchase was made by an individual who stole my personal belongings at XXXX XXXX XXXX. \n\nYour decision letter stated that I was the one who used the card ; however, I strongly disagree with this conclusion and would like to present the following facts : No PIN was requested during the transaction. Only I know my security PIN, which raises serious concerns about the safety and integrity of Wells Fargos debit card system. \nThe unauthorized person made XXXX separate transactions, not just XXXX. Wells Fargo only alerted me about XXXX as potential fraud. I am attaching evidence of these charges and of the only alert that Wells Fargo notified me about I was at work during the time of the transaction ( XXXX AM ). I work in agriculture from XXXX AM to XXXX PM, and therefore could not have made this purchase. \nAdditionally, I have filed a police report for the theft, which is attached for your review. \n\nGiven this information, I respectfully request that Wells Fargo reopen and reconsider my claim, as the evidence clearly shows that the transaction was unauthorized and occurred while my card was not in my possession. \n\nThank you for your time and prompt attention to this matter. Please confirm receipt of this letter and let me know if further documentation is required.","date_sent_to_company":"2025-10-17T20:02:41.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"16651020","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-10-17T19:47:46.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>Your</em> decision letter stated that I was the one who used the <em>card</em> ; however, I strongly disagree with this conclusion and would like to present the following facts : No PIN was requested during the transaction. Only I know my security PIN, which <em>raises</em> serious concerns about the safety and integrity of Wells Fargos debit <em>card</em> system. \nThe unauthorized person made XXXX separate <em>transactions</em>, not just XXXX. Wells Fargo only alerted me about XXXX as potential fraud."],"issue":["Problem with a lender or other company charging <em>your</em> account"]},"sort":[14.054928,"16651020"]},{"_index":"complaint-public-v1","_id":"18121476","_score":14.042813,"_source":{"product":"Debt collection","complaint_what_happened":"Re : Formal Billing Error Notice Under 15 U.S.C. 1666 Apple Card Account Ending : XXXX Customer : XXXX XXXX CFPB Complaint Reference : ( insert number ) To Whom It May Concern : This letter constitutes a formal notice of billing error and a demand for investigation under the Fair Credit Billing Act, 15 U.S.C. 1666, and a dispute of liability under 15 U.S.C. 1643, as well as a dispute of credit reporting accuracy under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. \n\nOn XX/XX/XXXX, I was taken into custody and remained incarcerated during the period when the transactions that created the current balance occurred. Any transactions appearing on this account after XX/XX/XXXX were not authorized, could not have been authorized, and are categorically fraudulent. I did not have physical access to the Apple Card, the device necessary to use Apple XXXX, the credentials required to authenticate transactions, or any means to authorize purchases while in custody. \n\nYour written response through the CFPB platform dated XX/XX/XXXX states, without any supporting evidence, that the Bank conducted an investigation and confirmed no Bank errors occurred, and that the account was reported accurately. That conclusion is not supported by any factual findings, does not address the core issue raised in the complaint, and does not meet the Banks obligations under federal law. \n\nYou did not answer the question : How could any transaction be authorized by me after XX/XX/XXXX if I was incarcerated? \n\nYou have provided no proof of authorization, no authentication records, no device logs, no IP data, no identity verification materials, and no evidence of card-present usage. Simply restating the Apple Card Customer Agreement is not a legal substitute for an investigation of unauthorized use under federal statute. \n\nLiability Challenge 15 U.S.C. 1643 Under 15 U.S.C. 1643, liability for unauthorized use is limited to {$50.00}, and the burden of proof rests on the issuer, not the consumer. The Bank has produced zero evidence demonstrating that I personally authorized the disputed transactions. The existence of a customer agreement does not override federal law limiting liability for unauthorized use. \n\nUntil the Bank produces actual authorization evidence, this debt remains unverified and improperly attributed.\n\nBilling Error 15 U.S.C. 1666 Unauthorized charges are a billing error under 1666. This notice compels the Bank to : conduct a good-faith investigation suspend collection of the disputed amount refrain from negative reporting tied to the disputed amount produce supporting documentation of authorization Your current position we sent statements and reminders is not a valid FCBA investigation and does not satisfy federal requirements.\n\nCredit Reporting Inaccuracy 15 U.S.C. 1681 et seq.\n\nReporting a charged-off balance that is derived from unauthorized transactions is inaccurate and incomplete under the FCRA. As a furnisher of consumer data, Goldman Sachs Bank USA has an affirmative obligation under 15 U.S.C. 1681s-2 to report accurate information and correct or delete unverifiable data once a dispute is raised. \n\nYou can not reasonably claim the reporting is accurate when you have not verified the authenticity of the transactions that created the derogatory status. \n\n\n-- - Demand for Evidence and Remedial Action I am requesting specific evidence, not summary conclusions : 1. Complete transaction-level authorization records for all charges posted after XX/XX/XXXX, including : device IDs IP addresses location data merchant authentication logs token authorization records any identity verification procedure used 2. A reversal of all unauthorized transactions posted after XX/XX/XXXX and removal of all interest, fees, and charges derived from those transactions. \n\n\n3. Correction of credit reporting, including removal of the charged-off status and any negative information arising from unauthorized use.\n\n4. A written explanation describing the Banks investigative steps, evidence reviewed, and the legal basis under which you assert I could have authorized charges while incarcerated. \n\n\n\nI am prepared to provide official incarceration records establishing that I was not physically capable of using the Apple Card during the period in question. \n\n\n-- - Reservation of Rights This dispute is made without waiver of any rights under the FCBA, FCRA, or any other applicable state or federal law. A failure to conduct a proper investigation, a failure to suspend adverse reporting during the dispute process, or continued reporting of unverified debt may constitute willful violations of 15 U.S.C. 1666 and 1681, with statutory damages available. \n\nUntil the Bank provides verifiable authorization proof, you do not have a legitimate basis to assert that this debt is valid or properly reported. \n\nI expect a complete written response within the statutory time limits mandated by the FCBA. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-04T07:08:17.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"18121476","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-12-04T07:03:17.000Z","state":"NV","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Reporting a charged-off balance that is derived from unauthorized <em>transactions</em> is inaccurate and incomplete under the FCRA. As a furnisher of consumer data, Goldman Sachs Bank USA has an affirmative obligation under 15 U.S.C. 1681s-2 to report accurate information and correct or delete unverifiable data once a <em>dispute</em> is <em>raised</em>."],"sub_product":["Credit <em>card</em> debt"]},"sort":[14.042813,"18121476"]},{"_index":"complaint-public-v1","_id":"22370835","_score":13.971338,"_source":{"product":"Checking or savings account","complaint_what_happened":"Re : Dispute Charge Debit Card ending : XXXX Case # XXXX Account Name : XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally demand immediate resolution of a fraud claim concerning my business account under the name XXXX XXXX XXXX  XXXX , associated with debit card ending in XXXX. \nUnauthorized transactions were identified as follows : - {$3000.00} on XX/XX/year> - {$7700.00} on XX/XX/year> These transactions were not authorized by me or by anyone acting on behalf of my company.\n\nDespite timely notice to Bank of America, this matter has been mishandled, delayed, and subjected to contradictory and inaccurate information. Specifically : - I was instructed to contact the merchant, which I did, without resolution. - I was later informed that a fraud confirmation email had been sent and responded to this is false. - Upon further inquiry, I was advised that no such email exists in your records.\n\nThis inconsistency raises serious concerns regarding your institutions compliance with federal consumer protection laws, including but not limited to the Electronic Fund Transfer Act and Regulation E, which require prompt and good-faith investigation of unauthorized electronic fund transfers and timely communication with the account holder.\n\nYour failure to properly investigate, your reliance on inaccurate information, and the excessive delays may constitute negligence and non-compliance with these legal obligations.\n\nAccordingly, I hereby demand : 1. Immediate reimbursement of the full amount of {$10000.00} 2. A complete written record of your investigation, including all internal notes and communications 3. Written confirmation explaining the false claim regarding the alleged fraud confirmation email 4. Immediate escalation of this matter to your Executive Resolution or Legal Department","date_sent_to_company":"2026-05-20T01:32:41.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"30005","tags":null,"has_narrative":true,"complaint_id":"22370835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-05-20T01:19:54.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Re : <em>Dispute</em> Charge Debit <em>Card</em> ending : XXXX Case # XXXX Account Name : XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally demand immediate resolution of a fraud claim concerning my business account under the name XXXX XXXX XXXX  XXXX , associated with debit <em>card</em> ending in XXXX. \nUnauthorized <em>transactions</em> were identified as follows : - {$3000.00} on XX/XX/year> - {$7700.00} on XX/XX/year> These <em>transactions</em> were not authorized by me or by anyone acting on behalf of my company."],"issue":["Problem with a lender or other company charging <em>your</em> account"]},"sort":[13.971338,"22370835"]},{"_index":"complaint-public-v1","_id":"15268901","_score":13.932344,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint Against Bank of America ( Ongoing Fraudulent Practices ) I am filing a formal complaint against Bank of America ( BoA ) for what I believe to be deliberate misconduct involving the withholding of funds, misrepresentation of posted transactions, and the disappearance of refunds and balances from my account. \n\nBack in XX/XX/year>, I placed a dispute for two transactions. I was told by BoA representatives that the transactions had not posted. However, they are clearly still reflected on my account statement as paid. Despite repeated requests, BoA has failed to explain why these charges are visible on my statement but not reflected in my available balance. Their repeated excuse is that the \" transaction didnt post '' yet they can not explain the account imbalance. \n\nIve experienced multiple instances of : Refunds vanishing : For example, a refund from XXXX was processing, then suddenly disappeared from my account without explanation or return of funds. Card declines with money removed : I attempted a transaction with XXXX, which was declined. The order was cancelled, but the amount was still debited from my account and never returned. This has happened more than once. Merchants changing mid-transaction or being listed inconsistently on my statements. Ongoing card restrictions and fraud flags, even after calling the fraud department to clear them, which seems to be part of a pattern to disrupt access to my funds. I believe Bank of America is engaging in intentional deceptive banking practices, including the withholding or misappropriation of funds, mismanagement of disputes, and possibly money laundering or manipulation through backend transaction processing. \n\nI am requesting a full investigation into : The XX/XX/year> dispute and why charges deemed \" not posted '' are still reflected on my statement. All recent transactions where the card was declined but funds were still debited and not returned ( notably XXXX and XXXX ). \nThe systemic issue of missing or reversed refunds. I have retained screenshots and statements showing these discrepancies and am prepared to provide documentation upon request. \nConsumers must be protected from these deceptive financial practices. I urge your office to hold Bank of America accountable for these unresolved, harmful actions. \n\nAdditionally, I have identified transactions posting to my account under the last four digits of a card I do not own. This card number does not belong to me, and I have never authorized or used it. Despite the fact that my actual card is locked, new charges are still being posted to my account. This strongly suggests either : Internal system failures within Bank of America Unauthorized account linking or identity compromise A deliberate override of card lock protections Bank of America has failed to explain how this can happen or investigate properly. This is unacceptable and raises serious concerns about account security and fraud prevention.","date_sent_to_company":"2025-08-13T10:10:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"20743","tags":null,"has_narrative":true,"complaint_id":"15268901","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-08-13T10:01:06.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Additionally, I have identified <em>transactions</em> posting to my account under the last four digits of a <em>card</em> I do not own. This <em>card</em> number does not belong to me, and I have never authorized or used it. Despite the fact that my actual <em>card</em> is locked, new charges are still being posted to my account."]},"sort":[13.932344,"15268901"]},{"_index":"complaint-public-v1","_id":"10937910","_score":13.930293,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to explain the situation regarding the unauthorized charges on my credit card account that I encountered in XX/XX/year>2023. \n\nUpon reviewing my statement, I noticed several charges totaling nearly {$3200.00} that I had not authorized to my Bank of America credit card. Concerned about these transactions, I promptly contacted my credit card company and spoke with a representative named XXXX in their fraud department. I explained the situation to her, and she assured me that she would cancel my old card and issue a new one. I inquired if there was anything further, I needed to do, and XXXX confirmed that there was not. She provided me with a case number ( # XXXX ) for my reference. \n\nHowever, after our conversation, I did not receive any follow-up communication from Bank of America XXXX Subsequently, I received a letter from Bank of America acknowledging my inquiry about potential fraudulent usage on my account. The letter stated that the unauthorized attempts were deemed unsuccessful, which raised further confusion on my part, as I was still being charged for those transactions. \n\nIn my effort to resolve the matter, I contacted the Bank of America again to clarify the discrepancies in their letter. I reviewed each disputed charge with them, but did not receive a satisfactory response. To my surprise, I later received another notification indicating that my credit limit had been reduced from {$12000.00} to {$4000.00}, attributed to my account being past due. I explained that my inability to make payments was due to the disputed charges not being mine, but this did not seem to alter their assessment. \n\nRegrettably, three weeks later, my account was shut down, leaving my balance unchanged and the issue unresolved. \n\nI appreciate your attention to this matter and hope for a prompt resolution to the unauthorized charges and the impact they have had on my account. \n\nThank you for your understanding.","date_sent_to_company":"2024-11-26T04:57:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95124","tags":null,"has_narrative":true,"complaint_id":"10937910","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-11-26T04:31:11.000Z","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":["The letter stated that the unauthorized attempts were deemed unsuccessful, which <em>raised</em> further confusion on my part, as I was still being charged for those <em>transactions</em>. \n\nIn my effort to resolve the matter, I contacted the Bank of America again to clarify the discrepancies in their letter. I reviewed each <em>disputed</em> charge with them, but did not receive a satisfactory response."],"product":["Credit <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["Credit <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on <em>your</em> statement"]},"sort":[13.930293,"10937910"]},{"_index":"complaint-public-v1","_id":"6193451","_score":13.928208,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I reached out to XXXX XXXX on XX/XX/2022 and informed them that I had yet to revive the cash app card in the mail. XXXX did absolutely nothing in helping me get a new card nor did they do anything to protect the missing card from being used fraudulently. On XX/XX/2022 I raised a fraud claim with Cash App relating to several fraudulent charges that were charged to the cash app card. I took the proper steps and got a police report and attached it to my claim as well which had every fraudulent transaction listed on the police report. Causing hundreds of dollars to be fraudulently charged to my card. On the evening of XX/XX/2022 at about XXXX EST I received several emails from Cash App denying every last one of the fraudulent charges and had a statement to me that said Your account will not be refunded for your ( each amount ) transaction at ( each merchant ) because after reviewing your account details, we determined that no error occurred because this transaction was authorized by you, and Cash App XXXX the payment information provided by the merchant. You can reach out to support for dispute documentation at any time. Details in your receipt. I never authorized any of those transactions and Cash App is displaying unethical business practice by lying on me saying I authorized fraudulent transactions. I attempted to email them from the email address they emailed me from. It did not say that the email was a no reply but the email came back undeliverable. They have put that tactic in place so that customers cant contact them after they intentionally deny claims and to stall customers out and so we have no contact after losing thousands of dollars. The government needs to seriously do something ahoy this company! I have a family and cash app has allowed money to be stolen from me and despite XXXX XXXXXXXX XXXX policy, cash app has simply disregarded. They did not follow the chargeback process and they have absolutely no proof about what theyve stated to me because it is not true.","date_sent_to_company":"2022-11-13T03:51:46.000Z","issue":"Unexpected or other fees","sub_product":"General-purpose prepaid card","zip_code":"30328","tags":"Servicemember","has_narrative":true,"complaint_id":"6193451","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2022-11-13T03:20:23.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["You can reach out to support for <em>dispute</em> documentation at any time. Details in <em>your</em> receipt. I never authorized any of those <em>transactions</em> and Cash App is displaying unethical business practice by lying on me saying I authorized fraudulent <em>transactions</em>. I attempted to email them from the email address they emailed me from. It did not say that the email was a no reply but the email came back undeliverable."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose prepaid <em>card</em>"]},"sort":[13.928208,"6193451"]},{"_index":"complaint-public-v1","_id":"11428751","_score":13.874193,"_source":{"product":"Checking or savings account","complaint_what_happened":"I disputed a transaction of {$XXXX} made in XXXX to XXXX. I have submitted multiple appeals to Sofi Bank regarding the denial ( s ), providing additional information with each attempt to recover the lost funds. Despite these efforts, they have not offered further clarification, and their rationale for denying the claim remains inadequate. Below, I provide context and explanations to support my claim that this transaction was unauthorized.\n\n1. At the time of the disputed transaction, I was in possession of my debit card. I suspect my PIN may have been compromised, potentially at an ATM I attempted to withdraw money from a cruise port in XXXX. \nXXXX. I received a text alert for a smaller, unauthorized charge of {$XXXX}, which I promptly flagged as unauthorized ( a photo of the text message from Sofi Bank is attached ). My card was then frozen as a result. For the {$XXXX} transactiona significantly larger amountno such notification was sent to me. This inconsistency in the banks fraud detection and notification process raises concerns, as it prevented me from identifying and disputing this unauthorized charge immediately. \nIf the {$XXXX} withdrawal occurred after my card was frozen due to the {$XXXX} dispute, it should not have been approved, as frozen cards are intended to block all transactions. \nIf the {$XXXX} withdrawal occurred before my card was frozen, I should have received a text alert similar to the one I received for the {$XXXX} transaction. The absence of such an alert for this much larger transaction raises questions about the effectiveness and consistency of the banks fraud prevention measures. \nXXXX. I was not in XXXX on XX/XX/XXXX when the transaction occurred. By that date, I was already at sea aboard a XXXX XXXX cruise, heading back to XXXX. The ship had departed XXXX on XX/XX/XXXX after visiting XXXX different ports on the XXXX and XXXX ( a copy of the itinerary is attached ). Given this timeline, it would have been impossible for me to approve or conduct a transaction in XXXX on XX/XX/XXXX. \n\nAs aforementioned, their rationale for denying the claim remains inadequate. \nThe information they provided me for denying the claim is listed below verbatim : XXXX XXXX : The disputed transaction ( XXXX ) are XXXX XXXX transactions and the member claims to be in possession of their debit card. XXXX. The member was asked if they were in possession of their debit card when the transaction took place. We received a XXXX response on XX/XX/year>. XXXX. The member was asked if they recently traveled out of the country. If so, where? We received a XXXX, XXXX response on XX/XX/year>. No denials for the wrong PIN indicating whoever was using the debit card knew the PIN. No denials for Non Sufficient Funds ( NSF ) indicating whoever was using the debit card had knowledge of how much was available in the checking account. A review of the login history shows no sign of unauthorized access or abnormal activity. \nPayment type : Credit for XXXX XXXX XXXX Thank you for your time, XXXX XXXX, XXXX.","date_sent_to_company":"2025-01-08T20:42:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"28358","tags":null,"has_narrative":true,"complaint_id":"11428751","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-01-08T19:52:08.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["This inconsistency in the banks fraud detection and notification process <em>raises</em> concerns, as it prevented me from identifying and <em>disputing</em> this unauthorized charge immediately. \nIf the {$XXXX} withdrawal occurred after my <em>card</em> was frozen due to the {$XXXX} <em>dispute</em>, it should not have been approved, as frozen cards are intended to block all <em>transactions</em>."],"sub_issue":["Problem using a debit or ATM <em>card</em>"]},"sort":[13.874193,"11428751"]},{"_index":"complaint-public-v1","_id":"20115604","_score":13.872426,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to request assistance as my credit card dispute with Discover concerning a series of unauthorized charges from XXXX was inappropriately dealt with by the company. \n\nI cancelled my XXXX prepaid phone service on XX/XX/year>. However, I later discovered that my credit card continued to be charged through XXXX autopay for more than a year after the cancellation. \n\nWhen I contacted XXXX to investigate the issue, both in-store representatives and online customer service confirmed that my service had indeed been cancelled and that my account had ceased to exist since XX/XX/year>. At the same time, XXXX refused to acknowledge that the charges appearing on my credit card statement were made by them. \n\nBecause of this, I initiated disputes through my credit card issuer, Discover. After approximately XXXX month of review, Discover informed me that most of the transactions were deemed valid. I strongly disagree with this determination and requested that the dispute process continue. \n\nDiscover then requested additional documentation and suggested that I provide proof showing that a refund is owed to me. However, this requirement is difficult to satisfy because the merchant does not acknowledge the charges and therefore has not issued or documented any refund obligation. Since these charges occurred after the service was cancelled and the account no longer existed, I believe they should be treated as unauthorized transactions. \n\nWhen I first initiated the disputes, I also requested that Discover stop any further payments to this merchant. However, the autopay charges continued. When I raised this issue again, Discover stated that no prior request to stop payment had been recorded. \n\nAt this point, I feel stuck between the merchant and the credit card issuer. The merchant denies making the charges, while the credit card issuer considers them valid and requests documentation that I can not reasonably obtain. \n\nI respectfully request the CFPBs assistance in reviewing Discovers handling of this dispute and helping ensure that the unauthorized charges are properly investigated, that the ongoing charges are permanently stopped, and that any improper charges are refunded. \n\nThank you for your time and attention.","date_sent_to_company":"2026-03-10T02:18:56.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"02130","tags":null,"has_narrative":true,"complaint_id":"20115604","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2026-03-10T01:56:20.000Z","state":"MA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["At the same time, XXXX refused to acknowledge that the charges appearing on my credit <em>card</em> statement were made by them. \n\nBecause of this, I initiated <em>disputes</em> through my credit <em>card</em> issuer, Discover. After approximately XXXX month of review, Discover informed me that most of the <em>transactions</em> were deemed valid. I strongly disagree with this determination and requested that the <em>dispute</em> process continue."],"product":["Credit <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["Credit <em>card</em> company isn't resolving a <em>dispute</em> about a purchase on <em>your</em> statement"]},"sort":[13.872426,"20115604"]},{"_index":"complaint-public-v1","_id":"14188935","_score":13.472436,"_source":{"product":"Prepaid card","complaint_what_happened":"I am writing to file a formal complaint against Money Network for failing to protect my account and allowing unauthorized transactions to take place while I was incarcerated. \n\nI was incarcerated from XX/XX/year> to XX/XX/year>, during which time I had no physical access to my Money Network card and did not authorize anyone to use it on my behalf. Despite this, several unauthorized transactions were allowed on my account during this period. This raises serious concerns about the security protocols and monitoring systems in place at your company. \n\nI have already attempted to dispute the charges and report the unauthorized use, but I feel that my concerns have not been taken seriously or properly investigated. As a financial service provider, Money Network has a responsibility to safeguard customers accounts and investigate unauthorized activityespecially in cases where the cardholder can provide documented proof ( such as incarceration records ) that they could not have made or approved those transactions.\n\nI am requesting the following : 1. A full investigation into the unauthorized transactions that occurred during my incarceration.\n\n2. A refund or credit for the disputed charges.\n\n3. Written confirmation that these charges have been removed and that appropriate action has been taken. \nXXXX. XXXX that measures have been put in place to prevent this from happening again. \n\nPlease find enclosed supporting documents, including proof of my incarceration. \n\nIf this issue is not resolved promptly, I will be forced to escalate my complaint to regulatory bodies such as the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal advice. \n\nI expect a prompt response and resolution to this serious matter. You XXXX contact me directly at XXXX or XXXX with any updates or if further information is needed.","date_sent_to_company":"2025-06-20T21:24:34.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"19082","tags":null,"has_narrative":true,"complaint_id":"14188935","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2025-06-20T21:13:51.000Z","state":"PA","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["This <em>raises</em> serious concerns about the security protocols and monitoring systems in place at <em>your</em> company. \n\nI have already attempted to <em>dispute</em> the charges and report the unauthorized use, but I feel that my concerns have not been taken seriously or properly investigated."],"product":["Prepaid <em>card</em>"],"sub_product":["Government benefit <em>card</em>"],"sub_issue":["<em>Card</em> company isn't resolving a <em>dispute</em> about a purchase or transfer"]},"sort":[13.472436,"14188935"]},{"_index":"complaint-public-v1","_id":"15730196","_score":13.415309,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding a fraud claim I submitted to my financial institution, which was denied just XXXX days after submissionwithout what I believe to be a proper or thorough investigation. \n\nThe issue began when my phone was stolen, giving someone unauthorized access to my financial apps and personal information. Although I may have initially stated that I had my physical card, I want to clarify that my phone was the compromised device. I believe this led to a series of unauthorized transactions that I did not initiate. \n\nWhen I contacted the bank to follow up on the claim, I was told it was still under review. However, within approximately XXXX minutes of that call, I received a denial notice. This abrupt turnaround raises serious concerns about whether my case was genuinely investigated. Additionally, during one of my conversations with a representative, they incorrectly stated that I had reported my card as lostwhen in fact, I had my card in my possession and clearly explained that my phone was stolen. \n\nThe disputed transactions occurred between XX/XX/XXXX and XX/XX/XXXX, all involving XXXX XXXXXXXX XXXX  and include the following : - XX/XX/XXXX : {$850.00} - XX/XX/XXXX : Multiple charges ranging from {$10.00} to {$100.00} - XX/XX/914 : XXXX to {$25.00} - XX/XX/1517 : Numerous charges including {$900.00} and several smaller amounts These transactions were not authorized by me and appear to follow a pattern of fraudulent activity. I am deeply concerned that my claim was dismissed without proper consideration of the evidence or the context I provided. \n\nI respectfully request that the CFPB review this matter and assist in ensuring that my claim is fairly reconsidered. I am prepared to provide supporting documentation, screenshots, and any further clarification needed. \n\nThank you for your time and attention. \n\nSincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-09-04T23:26:29.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"95823","tags":null,"has_narrative":true,"complaint_id":"15730196","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-09-04T23:06:59.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Although I may have initially stated that I had my physical <em>card</em>, I want to clarify that my phone was the compromised device. I believe this led to a series of unauthorized <em>transactions</em> that I did not initiate. \n\nWhen I contacted the bank to follow up on the claim, I was told it was still under review. However, within approximately XXXX minutes of that call, I received a denial notice. This abrupt turnaround <em>raises</em> serious concerns about whether my case was genuinely investigated."],"issue":["Unauthorized <em>transactions</em> or other transaction problem"]},"sort":[13.415309,"15730196"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":354,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":354}]}},"product":{"doc_count":354,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":119,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":118},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit card","doc_count":75,"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":64},{"key":"Store credit 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loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":2}]}},{"key":"Vehicle loan or lease","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lease","doc_count":1},{"key":"Loan","doc_count":1}]}}]}},"issue":{"doc_count":354,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a purchase shown on your statement","doc_count":67,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":50},{"key":"Card was charged for something you did not purchase with the card","doc_count":16},{"key":"Overcharged for something you did purchase with the card","doc_count":1}]}},{"key":"Incorrect information on your 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