{"took":137,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":170,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3541093","_score":20.342999,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My XXXX XXXX bank of america credit card made an unauthorized transfer of funds from my XXXX XXXX checking account. I set up an online payment on XX/XX/XXXX. On XX/XX/XXXX two transactions posted to my checking account with the same transaction number but for two different amounts - the first for {$1200.00} which I scheduled online and the second for {$1100.00}, which I did not schedule or authorize. I called customer service for bank of america to inquire how this had happened and request a refund. I was given no explanation for how or why I had been double charged but was told I would be refunded the {$1100.00} charge in no more than 10 business days. I clearly explained that I had not made this payment and believed it to be a mistake. On XX/XX/XXXX my money had still not been refunded. I called again and asked how the double charge had happened. The customer service agent on the phone could not explain the error and told me that the refund had been processing when it was flagged as fraud on XX/XX/XXXX. I was not notified and the agent could not give me any explanation as to how or why this had been flagged as fraud. I was told I would have to call back in 2 more business days to get additional information. I was given no time when my refund would be processes. I said that this was unacceptable and asked to submit a complaint. I called my XXXX XXXX XXXX  and requested assistance and they requested a return payment on my behalf.","date_sent_to_company":"2020-02-22T23:48:45.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"94110","tags":null,"has_narrative":true,"complaint_id":"3541093","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-02-22T23:33:07.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["My XXXX XXXX bank of america <em>credit</em> <em>card</em> <em>made</em> an unauthorized transfer of funds from my XXXX XXXX checking account. I set up an online <em>payment</em> on XX/XX/XXXX. On XX/XX/XXXX two transactions posted to my checking account with the same transaction number but for two different amounts - the first for {$1200.00} <em>which</em> I scheduled online and the second for {$1100.00}, <em>which</em> I did not schedule or authorize."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Problem during <em>payment</em> process"]},"sort":[20.342999,"3541093"]},{"_index":"complaint-public-v1","_id":"6474709","_score":19.566296,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"There were many charges made fraudulently on my credit card with Aspire, I did not notice them untill the amount of my regular payment doubled.\n\nI contacted Aspire to the charges made, filled out all required paperwork and sent back, mean while was told \", I still had to make the payment amount untill the fraud investigation was over which was double what I paid before the charges were made. \nAt this point it had been over a month and still being billed for those charges plus interest with no word, I called again when the charges were still there and refused to pay again for them, I was told the investigator made a decision and it was in the mail and I'd receive it within 10 business days, a month and half later still no letter, so I quit paying all together and they told me I would be responsible for late fees and the payment.\n\nI went on line to look up the businesses where the charges were made and they come up with no business information and they don't exist, they were for the same amount or 4 cents off. \n# 1 XXXX XXXX XXXX {$99.00} # 2 XXXX XXXX {$4.00} & {$99.00} # 3 XXXX XXXX {$99.00} # 4 XXXX {$99.00} # 5 XXXX XXXX XXXX XXXX {$99.00} These are not common with my previous charging history and they don't exist but yet there Investigators denied my claim, never sent me notice, has put a derogatory mark on my credit report, and are still adding charges to my account, and I do not have access to either accounts because they told me I had to cut up my cards and send them back due to my request to close my account which never was said by me and yet they have new account numbers for my accounts and I never received any cards for those accounts but still required to pay.","date_sent_to_company":"2023-01-24T00:36:43.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6474709","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2023-01-23T23:26:05.000Z","state":"WA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["There were many charges <em>made</em> fraudulently on my <em>credit</em> <em>card</em> with Aspire, I did not notice them untill the amount of my regular <em>payment</em> <em>doubled</em>.\n\nI contacted Aspire to the charges <em>made</em>, filled out all required paperwork and sent back, mean while was told \", I still had to make the <em>payment</em> amount untill the fraud investigation was over <em>which</em> was <em>double</em> what I paid before the charges were <em>made</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <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":[19.566296,"6474709"]},{"_index":"complaint-public-v1","_id":"3315851","_score":19.500618,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX and then again on XX/XX/XXXX my bill payment company sent two payments to my mortgage loan servicer. My bill payment company then turned off my bill payment services until one of the two payments was returned to them. On XX/XX/19 I called my mortgage servicer who confirmed receipt of two payments that month, however they said I could only request a refund of one of the payments by e-mailing in a request along with evidence of the double payment coming from my account with the copy of the check or with a bank statement that had to have my bank logo on it EVEN THOUGH they could see they had received two payments for the month.\n\nThe payment was made via ACH, so I could not produce a check AND my statement had not yet cut so I was not able to produce a statement. I did a screen print from my online banking to show the payment coming out of my account, but ANYONE in this industry knows I was not going to be able to get my bank logo on the screen print. It's a fraud deterrent to not allow the bank logo to be printed. I explained this to the mortgage servicer on the phone and I got \" I'm sorry that's the procedure that is our procedure we have to follow ''. This is an unacceptable procedure that makes it unduly hard on the consumer to get a double payment refunded. \n\nI e-mailed the required e-mail address on XX/XX/XXXX and asked for one of the double payments to be remitted back to me asap. If this was not possible I asked to be called. I got a bounce back e-mail saying that I needed to allow for 2 business days for my inquiry to be addressed ( attached as Exhibit A ). \n\nI never received the phone call AND I was not responded to until a FULL 13 BUSINESS DAYS LATER - XX/XX/XXXX. I was told my double payment would not be returned as then the loan would be past due for the XX/XX/XXXX payment ( attached as Exhibit B ), and that my case was closed ... \n\nAs a consumer, I HAVE BEEN HARMED in several ways. My bill payment services were shut off until I refunded my bill payment company one of the two mortgage payments. ALL my other payments due were NOT MADE causing all my other credit payments to be made late. I had to charge on my visa the amount of the mortgage payment so I could get my bill payment services turned back on, which means I had to pay interest on my credit card. \n\nI am beyond disappointed and horrified at this mortgage loan servicer and how they have treated me as a customer and consumer.","date_sent_to_company":"2019-07-23T19:26:00.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"98036","tags":null,"has_narrative":true,"complaint_id":"3315851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AG AH LLC","date_received":"2019-07-23T18:54:25.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["ALL my other <em>payments</em> due were NOT <em>MADE</em> causing all my other <em>credit</em> <em>payments</em> to be <em>made</em> late. I had to charge on my visa the amount of the mortgage <em>payment</em> so I could get my bill <em>payment</em> services turned back on, <em>which</em> means I had to pay interest on my <em>credit</em> <em>card</em>. \n\nI am beyond disappointed and horrified at this mortgage loan servicer and how they have treated me as a customer and consumer."],"issue":["Trouble during <em>payment</em> process"]},"sort":[19.500618,"3315851"]},{"_index":"complaint-public-v1","_id":"10982112","_score":19.375576,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I made a purchase at XXXX XXXX for the amount of {$1000.00}. Initially, I attempted to pay with my business card, but the payment was declined. I then used my credit card, and the payment was successfully processed. \n2. On XX/XX/year>, I discovered that the amount of {$1000.00} had been charged to both of my cardsmy business card, which had been declined, and my credit card, which I used to complete the payment. \n3. I immediately contacted a PNC branch, where I was informed that the situation was understood and that the funds would be refunded to my account. The refund was processed accordingly. \n4. However, on XX/XX/year>, the same amount was charged again to my business account. I reached out to the bank again and was told that an investigation had been conducted and it was determined that I had used these funds, and that the bank was not responsible. As a result, I was advised to contact XXXX XXXX. I personally visited the store and called their customer service hotline to resolve the issue. However, no records of the disputed charge were found in XXXX XXXX system, although they confirmed other transactions I had made, including the one paid with my credit card. \n5. The bank then sent me a letter stating that the case had been closed because more than 90 days had passed, and that further appeals were no longer possible.\n\nThe responses I received indicated that the bank had completed an investigation and deemed the matter resolved, despite the lack of adequate resolution.\n\nI am requesting that your bank thoroughly review this situation and refund the money that was incorrectly charged to my business account. I have all the necessary documentation, including receipts from XXXX XXXX confirming that I made the payment using my credit card, as well as bank statements showing the double charge. I believe that this situation has not been properly investigated, and I am seeking a fair resolution to this matter. \nI kindly ask that you initiate a thorough review and provide me with a detailed explanation of the next steps to resolve this issue and return the funds.","date_sent_to_company":"2024-11-30T04:17:11.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60634","tags":null,"has_narrative":true,"complaint_id":"10982112","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2024-11-30T03:59:18.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I <em>made</em> a purchase at XXXX XXXX for the amount of {$1000.00}. Initially, I attempted to pay with my <em>business</em> <em>card</em>, but the <em>payment</em> was declined. I then used my <em>credit</em> <em>card</em>, and the <em>payment</em> was successfully processed. \n2. On XX/XX/year>, I discovered that the amount of {$1000.00} had been charged to both of my cardsmy <em>business</em> <em>card</em>, <em>which</em> had been declined, and my <em>credit</em> <em>card</em>, <em>which</em> I used to complete the <em>payment</em>. \n3."],"sub_issue":["Problem using a debit or ATM <em>card</em>"]},"sort":[19.375576,"10982112"]},{"_index":"complaint-public-v1","_id":"5659551","_score":18.967005,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2022, I manually paid my credit card balance on-line. The payment was also auto -paid on the same date, resulting in a double payment of the same amount ( {$7900.00} ). Subsequently, when I realized what had happened I assumed that the over-payment would be used to cover my next purchases made with my credit card. This was not done, as I realized in the next billing cycle when my balance was unaffected by the residual money. I called the company and informed them, and was told by their customer service representative that the amount of {$7900.00} would be refunded back to my bank account in 2-3 business days. I was given the case # of XXXX. I waited two weeks of no refund being given and then called the credit card company again. They told me that the case was \" in process '' and could not tell me how long it would take to be resolved. They told me to call back in a week if there was no resolution. After 2 weeks of still no refund, I called again on XX/XX/XXXX, was told that I needed to speak to someone in the dispute department which was closed, and was told to call the next day during business hours. The next day, I spoke to XXXX XXXX XXXX, XXXX # XXXX, who assured me repeatedly that she would e-mail me a response to the dispute in 24-48 hours from then. That never happened. On XXXX XXXX, I again called the credit card company and requested to speak to a supervisor. The supervisor, who told me only her first name, XXXX, said that disputes are not addressed until up to two billing cycles from the time that the case was opened. This seemed ridiculous to me for something that was obvious ; the double payment appears on my billing statement as well as a withdrawal from the company from my checking account. I asked XXXX to escalate the issue and let me speak to someone higher ranking, and she hung up on me.","date_sent_to_company":"2022-06-11T19:09:36.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"75229","tags":null,"has_narrative":true,"complaint_id":"5659551","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2022-06-11T18:33:17.000Z","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 during payment process"},"highlight":{"complaint_what_happened":["On XX/XX/2022, I manually paid my <em>credit</em> <em>card</em> balance on-line. The <em>payment</em> was also auto -paid on the same date, resulting in a <em>double</em> <em>payment</em> of the same amount ( {$7900.00} ). Subsequently, when I realized what had happened I assumed that the over-<em>payment</em> would be used to cover my next purchases <em>made</em> with my <em>credit</em> <em>card</em>. This was not done, as I realized in the next billing cycle when my balance was unaffected by the residual money."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Problem during <em>payment</em> process"]},"sort":[18.967005,"5659551"]},{"_index":"complaint-public-v1","_id":"11218696","_score":18.906176,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX XXXXXXXX for Retaliatory Reporting of Business Account on Personal Credit Profile Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX for the improper and retaliatory reporting of a XXXX XXXX XXXX Credit Card ( ending in XXXX ) on my personal credit profile. This complaint also involves the actions of the credit reporting agenciesExperian, XXXX, and XXXX have allowed this inaccurate reporting to continue, causing significant harm to my personal credit. \n\nBackground I was added as an authorized user to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a company I no longer work for. I did not personally apply for this card, nor did I accept any financial responsibility for it. I made multiple attempts to correct this issue. During my previous complaint to XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I was assured that the account would remain under the business profile and would not impact my personal credit. \n\nDespite these assurances, I was shocked to discover that XXXXXXXX XXXX XXXX XXXX XXXXXXXX began reporting the account on my personal credit profile. The account was misreported as an individual credit card, resulting in a XXXX drop in my credit score and significant financial hardship. \n\nAfter filing my complaint, I found that XXXX escalated the issue by double-reporting the account on both personal and business credit profiles. The account was reclassified from a business card to an individual account, further damaging my credit. \n\nXXXX XXXX XXXX XXXX XXXX XXXX 's Response XXXX responded to my complaint with the following points : Responsibility Claim : XXXX claimed I agreed to be financially responsible for the business credit card, citing the Pricing and Terms for my XXXX personal credit card ( ending in XXXX ). However, this card is unrelated to the business account, and I have never agreed to assume responsibility for any business debt. \n\nLate Payments : XXXX stated that my late payments on the business account ( for XXXX and XX/XX/2024 ) caused changes to my credit report. Since I am not financially liable for this account, I can not be held accountable for any late payments. \n\nRefusal to Correct Reporting : XXXX acknowledged the inaccurate reporting on my personal credit file but refused to correct or remove it, stating that it must reflect the true status of the account. This contradicts their prior assurances that the account would not appear on my personal credit report. \n\nRetaliation and Discrimination Allegations : XXXX also claimed that I alleged discrimination, which I did not assert. However, their retaliatory actionsdouble-reporting and reclassifying the accountappear to be a response to my initial complaint, which is causing further harm to my credit. \n\nEmployment Impact : I was also released from my contract with XXXX XXXX XXXX after raising concerns about the hardship caused by the late payment on their XXXX XXXX credit card, which negatively affected my personal credit. I was told I was never a personal guarantor. \n\nViolations of the Fair Credit Reporting Act ( FCRA ) XXXX  's actions violate several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Failure to correct or remove inaccurate, incomplete, or unverifiable information from my personal credit report.\n\n15 U.S.C. 1681s-2 ( a ) : Furnishing inaccurate information to the credit reporting agencies by reporting a business account on my personal credit file when I am not financially responsible for it.\n\n15 U.S.C. 1681e ( b ) : XXXX failure to ensure the accuracy of the information it reports to the credit bureaus.\n\nXXXX  retaliatory actions of double-reporting and reclassifying the account from business to individual, particularly after I filed my original complaint, constitute unfair practices designed to cause further harm to my credit. These actions may also violate consumer protection laws. \n\nRequests Made to XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have made the following requests to XXXX, which have not been fully addressed : Immediate removal of my name as an authorized user from the business account. \nImmediate cessation of reporting this business account on my personal credit profile with Experian, XXXX, and XXXX. \nA copy of the original signed agreement in which I agreed to assume responsibility for this account. \nWritten confirmation that this account will no longer affect my personal credit. \nPhone record verification of any authorization I may have given for XXXX to report to my personal credit file. \nRequested Action I respectfully request that the Consumer Financial Protection Bureau take the following actions : Investigate the retaliatory actions taken by XXXX XXXX, including the double-reporting and reclassification of the business credit account. \nEnsure that XXXX XXXX  immediately removes the business account from my personal credit file and ceases reporting this account under my name. \nObtain evidence from XXXX of any agreement with my signature or authorization that suggests I am personally liable for this account. \nEnsure that accurate reporting is restored, particularly regarding the separation of business and personal credit information. \nReview XXXX  practices related to the handling of consumer complaints and retaliatory actions following such complaints. \nSupporting Documentation I am prepared to provide the following supporting documentation : Credit reports showing the inaccurate reporting of the business account on my personal profile. \nCommunication records from XXXX XXXX  confirming my status as an authorized user and their failure to remove the account. \nDocumentation showing the negative impact on my credit score due to this reporting. \nThank you for your attention to this matter. I trust the CFPB will take the necessary steps to hold XXXX XXXX  accountable for these unfair practices and ensure that my personal credit profile is corrected. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-20T03:50:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60615","tags":null,"has_narrative":true,"complaint_id":"11218696","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-20T02:23:59.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Requests</em> <em>Made</em> to XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have <em>made</em> the following <em>requests</em> to XXXX, <em>which</em> have not been fully addressed : Immediate removal of my name as an authorized user from the <em>business</em> account. \nImmediate cessation of reporting this <em>business</em> account on my personal <em>credit</em> profile with Experian, XXXX, and XXXX. \nA copy of the original signed agreement in <em>which</em> I agreed to assume responsibility for this account."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.906176,"11218696"]},{"_index":"complaint-public-v1","_id":"11218688","_score":18.70682,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX for Retaliatory Reporting of XXXX Account on Personal Credit Profile Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX for the improper and retaliatory reporting of a XXXX XXXX XXXX Credit Card ( ending in XXXX ) on my personal credit profile. This complaint also involves the actions of the credit reporting agenciesXXXX, Equifax, and XXXXwho have allowed this inaccurate reporting to continue, causing significant harm to my personal credit. \n\nBackground I was added as an authorized user to the XXXX XXXX XXXX Credit Card by XXXX XXXX XXXX, a company I no longer work for. I did not personally apply for this card, nor did I accept any financial responsibility for it. I made multiple attempts to correct this issue. During my previous complaint to XXXX XXXX XXXX XXXX  XXXX, I was assured that the account would remain under the business profile and would not impact my personal credit. \n\nDespite these assurances, I was shocked to discover that XXXX XXXX XXXX XXXX XXXX began reporting the account on my personal credit profile. The account was misreported as an individual credit card, resulting in a XXXX-point drop in my credit score and significant financial hardship. \n\nAfter filing my complaint, I found that XXXX escalated the issue by double-reporting the account on both personal and business credit profiles. The account was reclassified from a business card to an individual account, further damaging my credit. \n\nXXXX XXXX XXXX XXXX XXXX  XXXX 's Response XXXX responded to my complaint with the following points : Responsibility Claim : XXXX claimed I agreed to be financially responsible for the XXXX  credit card, citing the Pricing and Terms for my XXXX personal credit card ( ending in XXXX ). However, this card is unrelated to the XXXX  account, and I have never agreed to assume responsibility for any business debt. \n\nLate Payments : XXXX stated that my late payments on the XXXX  account ( for XXXX and XX/XX/year> ) caused changes to my credit report. Since I am not financially liable for this account, I can not be held accountable for any late payments. \n\nRefusal to Correct Reporting : XXXX acknowledged the inaccurate reporting on my personal credit file but refused to correct or remove it, stating that it must reflect the true status of the account. This contradicts their prior assurances that the account would not appear on my personal credit report. \n\nRetaliation and Discrimination Allegations : XXXX also claimed that I alleged discrimination, which I did not assert. However, their retaliatory actionsdouble-reporting and reclassifying the accountappear to be a response to my initial complaint, which is causing further harm to my credit. \n\nEmployment Impact : I was also released from my contract with XXXX XXXX XXXX after raising concerns about the hardship caused by the late payment on their XXXX XXXX credit card, which negatively affected my personal credit. I was told I was never a personal guarantor. \n\nViolations of the Fair Credit Reporting Act ( FCRA ) XXXX  's actions violate several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Failure to correct or remove inaccurate, incomplete, or unverifiable information from my personal credit report.\n\n15 U.S.C. 1681s-2 ( a ) : Furnishing inaccurate information to the credit reporting agencies by reporting a business account on my personal credit file when I am not financially responsible for it. \n15 U.S.C. 1681e ( b ) : XXXX  failure to ensure the accuracy of the information it reports to the credit bureaus. \nXXXX  retaliatory actions of double-reporting and reclassifying the account from business to individual, particularly after I filed my original complaint, constitute unfair practices designed to cause further harm to my credit. These actions may also violate consumer protection laws. \n\nRequests Made to XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have made the following requests to XXXX, which have not been fully addressed : Immediate removal of my name as an authorized user from the business account. \nImmediate cessation of reporting this XXXX  account on my personal credit profile with XXXX, Equifax, and XXXX. \nA copy of the original signed agreement in which I agreed to assume responsibility for this account. \nWritten confirmation that this account will no longer affect my personal credit. \nPhone record verification of any authorization I may have given for XXXX to report to my personal credit file. \nRequested Action I respectfully request that the Consumer Financial Protection Bureau take the following actions : Investigate the retaliatory actions taken by XXXX XXXX, including the double-reporting and reclassification of the business credit account. \nEnsure that XXXX XXXX  immediately removes the business account from my personal credit file and ceases reporting this account under my name. \nObtain evidence from XXXX of any agreement with my signature or authorization that suggests I am personally liable for this account. \nEnsure that accurate reporting is restored, particularly regarding the separation of business and personal credit information. \nReview XXXX  practices related to the handling of consumer complaints and retaliatory actions following such complaints. \nSupporting Documentation I am prepared to provide the following supporting documentation : Credit reports showing the inaccurate reporting of the business account on my personal profile. \nCommunication records from XXXX XXXX  confirming my status as an authorized user and their failure to remove the account. \nDocumentation showing the negative impact on my credit score due to this reporting. \nThank you for your attention to this matter. I trust the CFPB will take the necessary steps to hold XXXX XXXX  accountable for these unfair practices and ensure that my personal credit profile is corrected. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-20T03:50:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60615","tags":null,"has_narrative":true,"complaint_id":"11218688","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-20T03:50:21.000Z","state":"IL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX  retaliatory actions of <em>double</em>-reporting and reclassifying the account from <em>business</em> to individual, particularly after I filed my original complaint, constitute unfair practices designed to cause further harm to my <em>credit</em>. These actions may also violate consumer protection laws. \n\n<em>Requests</em> <em>Made</em> to XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have <em>made</em> the following <em>requests</em> to XXXX, <em>which</em> have not been fully addressed : Immediate removal of my name as an authorized user from the <em>business</em> account."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.70682,"11218688"]},{"_index":"complaint-public-v1","_id":"2735118","_score":18.670221,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I made a purchase using care credit at or around XX/XX/XXXX. Synchrony Bank took over Care Credit and my account. The original agreement was that if I paid off the balance within 18 months, ( which is pretty unrealistic considering the amount of the purchase ) there would be no interest charges. My understanding was after 18 months you will be charged interest on NEW purchases. Well after that 18 months I was billed over {$3000.00} in interest which put my account OVER the credit limit. I continued to attempt to pay down my balance. My problem now is IF I was billed for the interest on my purchase already how am I still being charged interest if my account is closed and there are no further purchases made? Synchrony Bank has hidden fees and over charges on interest. My interest charge monthly is very close to my minimun payment which makes my balance go NOWHERE! I requested some type of settlement in order to help get it paid off, but they declined to assist. I have paid on my balance on time every month since XXXX. They would rather collect your money because they are a TERRIBLE business with unrealistic business practices. All they say is to read the credit card agreement which no where states that you will be double charged on interest. Never use this company!!","date_sent_to_company":"2017-11-21T16:52:22.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"98002","tags":null,"has_narrative":true,"complaint_id":"2735118","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2017-11-21T16:34:42.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["They would rather collect your money because they are a TERRIBLE <em>business</em> with unrealistic <em>business</em> practices. All they say is to read the <em>credit</em> <em>card</em> agreement <em>which</em> no where states that you will be <em>double</em> charged on interest. Never use this company!!"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[18.670221,"2735118"]},{"_index":"complaint-public-v1","_id":"9232083","_score":18.659958,"_source":{"product":"Credit card","complaint_what_happened":"I inadvertently double paid my balance for my Bank of America card ending in XXXX on XXXX and XXXX. Upon seeing the XXXX charge hit my bank account on XXXX, I immediately called Bank of America and requested that they refund the over-payment. They said it would take XXXX days to process. The credit on my card disappeared immediately after the call on XX/XX/year>, and my account since shows \" ACH credit refund '' dated XX/XX/year>. I waited XXXX days, called on XX/XX/year> and they said that there must be an issue, and they would \" reprocess '' the refund, and advised me to wait another XXXX  days. After XXXX  days ( XX/XX/XXXX ) I called back again and was told that XXXX days wasn't correct, that it would be XXXX business days. It is now XX/XX/year>, and has now been XXXX business days since that call and I still do not have a refund. \nI am now on hold with this company again. It has been XXXX weeks since they removed the credit balance from my credit card, and I still do not have a refund. I paid both payments via ACH, and asked that the refund be back to the same account from which I made the payments, and asked for the refund via ACH as I was told that would be the fastest way to receive my refund.","date_sent_to_company":"2024-06-11T16:27:26.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"723XX","tags":null,"has_narrative":true,"complaint_id":"9232083","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-06-11T16:10:01.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I inadvertently <em>double</em> paid my balance for my Bank of America <em>card</em> ending in XXXX on XXXX and XXXX. Upon seeing the XXXX charge hit my bank account on XXXX, I immediately called Bank of America and <em>requested</em> that they refund the over-<em>payment</em>. They said it would take XXXX days to process. The <em>credit</em> on my <em>card</em> disappeared immediately after the call on XX/XX/year>, and my account since shows \" ACH <em>credit</em> refund '' dated XX/XX/year>."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[18.659958,"9232083"]},{"_index":"complaint-public-v1","_id":"9862382","_score":18.4334,"_source":{"product":"Credit card","complaint_what_happened":"On XXXX XXXX, 2024, right after inadvertently making payment for my whole outstanding balance of my credit card, instead of my statement balance as intended, I called Wells Fargo and requested that the overpayment on my credit cart balance be returned. The Wells Fargo representative advised it would take XXXX business days. Thus, I took no other action ( e.g., calling my bank with my checking 's account where the money was going to be pull from to stop such payment, as XXXX business days worked with my financial commitments ). Then, on XX/XX/year>2024, I called Wells Fargo again, and this time they said it would take XXXX business days since the payment was made from a non-Wells Fargo account, which I was not advised of on XXXX XXXX, 2024. As I was previously provided different information by Wells Fargo, on which I had relied on, I asked if there was a solution. They said that nothing could be done. The more than double in timing does not work with my financial commitments, and I had relied on their statement from XXXX XXXX, 2024, otherwise I would have called XXXX ( my checking account bank ) to stop the payment ( given the difference in services between Wells Fargo and XXXX, the latter could have likely resolved my issue ). No wonder Wells Fargo is always on the news for taking advantage of consumers. Regulators, such practices should not be allowed!","date_sent_to_company":"2024-08-20T17:40:09.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"10038","tags":null,"has_narrative":true,"complaint_id":"9862382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-20T17:27:12.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with balance transfer"},"highlight":{"complaint_what_happened":["On XXXX XXXX, 2024, right after inadvertently making <em>payment</em> for my whole outstanding balance of my <em>credit</em> <em>card</em>, instead of my statement balance as intended, I called Wells Fargo and <em>requested</em> that the overpayment on my <em>credit</em> cart balance be returned. The Wells Fargo representative advised it would take XXXX <em>business</em> days."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[18.4334,"9862382"]},{"_index":"complaint-public-v1","_id":"13751951","_score":18.407982,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/25, we charged {$4300.00} and on XX/XX/25 made a payment of exactly {$4300.00}. The XXXX statement on the card, showed the regular minimum payment of {$280.00} and interest as usual ( about {$100.00} ). \nThe XXXX statement on the card, showed the minimum payment of {$420.00} and interest of {$200.00}. WOW! \nImmediately, I called to inquire the discrepancy on XX/XX/25 and they advised the payment was not allocated properly and put in a request to do so. In turn, I made a {$200.00} during call while awaiting the allocation to take place ; which they did advise could take 2 billing cycles ( leaving still a minimum balance of {$220.00} ). \nI received an email on XX/XX/25 with a letter attached dated XX/XX/25 advising they were \" unable to reallocate payments to and from deferred interest promotions ''. \nI called today XX/XX/25, spoke to a rep whom could not assist with any resolution and connected me to a manager. The manager was only able to reassure me by advising they can pull the call from the original inquiry/request made on XX/XX/25, and I'd get a call back in 3-5 business days with no guarantees that reallocation of the payment would still be taken care of. ( I still have a minimum balance of {$220.00} due in 4 days ) So now, I have paid over XXXX XXXXXXXX and ended up with almost double monthly payment. \nI need some type of resolution. \nThis complaint is on Synchrony Bank via Lowe 's Credit Card.","date_sent_to_company":"2025-05-28T16:42:22.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"11756","tags":null,"has_narrative":true,"complaint_id":"13751951","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-05-28T16:02:34.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The manager was only able to reassure me by advising they can pull the call from the original inquiry/<em>request</em> <em>made</em> on XX/XX/25, and I'd get a call back in 3-5 <em>business</em> days with no guarantees that reallocation of the <em>payment</em> would still be taken care of. ( I still have a minimum balance of {$220.00} due in 4 days ) So now, I have paid over XXXX XXXXXXXX and ended up with almost <em>double</em> monthly <em>payment</em>. \nI need some type of resolution. \nThis complaint is on Synchrony Bank via Lowe 's <em>Credit</em> <em>Card</em>."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[18.407982,"13751951"]},{"_index":"complaint-public-v1","_id":"11242125","_score":18.171461,"_source":{"product":"Credit card","complaint_what_happened":"This complaint about Aspire, https : //www.aspire.com/, my account number ending in XXXX. \n\nOn XX/XX/year> XXXX issued payment for a balance transfer to Aspire to consolidate my outstanding debt. On XX/XX/year>, I messaged via their chat portal to confirm if they have received the payment, since it did not show on their portal. Aspire informed me they did not accept balance transfers and it was against my card holder terms agreement. I requested a copy of my card holder terms agreement via email and mail, which the representative informed me would take XXXX business days to receive by email. On XX/XX/year>, I called back to inquire about the balance transfer payment from XXXX, as it hadnt been returned and I havent received my card holder terms agreement yet. The representative informed me again on the call I was not allowed to use a balance transfer to pay off my credit card balance with Aspire. On XX/XX/year> I logged in to my account, which was the last day to make a payment to avoid late fee. I had an autopay schedule for {$84.00} and I made a payment for {$1600.00} to pay off my card to avoid interest and fees in the next statement period. On XX/XX/year> I logged in to check my payments had posted, Aspire had then back posted the check from XXXX for {$1700.00} reflecting a payment date of XX/XX/year> which was not previously reflected on my account on XX/XX/year> and did not post my auto payment for {$84.00}. I called Aspire on XX/XX/year> to again inquire about the balance transfer payment they posted after they told me twice they would reject the check because it wasnt an option for my account. I requested my card holder terms agreement again, the representative said i would have to wait XXXX business day and if i still hadnt received it to call back and request it again. I told him I requested it on XX/XX/year>, he then stated it was emailed to me on XX/XX/year>, but I have no emails. I proceeded to request they send it again via email and mail and close my account immediately. I also requested a refund for the {$1600.00} payment, which they stated would be returned via check to my address with in 14 business days.\n\nThis complaint is to address if a credit card company is allowed to deny a balance transfer payment in an effort to consolidate debt. Also, why was there a 14 days delay in applying the payment after I was told the payment would not be applied? Finally, why is there a 14 day delay in returning the double payment? These behaviors by Aspire seem predatory and prevent me from getting relief from debt. None of the other cards that I used in this debt consolidation method had problems accepting and applying the payment in a timely manner.","date_sent_to_company":"2024-12-20T19:46:02.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"63139","tags":null,"has_narrative":true,"complaint_id":"11242125","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2024-12-20T19:11:18.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I also <em>requested</em> a refund for the {$1600.00} <em>payment</em>, <em>which</em> they stated would be returned via check to my address with in 14 <em>business</em> days.\n\nThis complaint is to address if a <em>credit</em> <em>card</em> company is allowed to deny a balance transfer <em>payment</em> in an effort to consolidate debt. Also, why was there a 14 days delay in applying the <em>payment</em> after I was told the <em>payment</em> would not be applied? Finally, why is there a 14 day delay in returning the <em>double</em> <em>payment</em>?"],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Problem during <em>payment</em> process"]},"sort":[18.171461,"11242125"]},{"_index":"complaint-public-v1","_id":"2241567","_score":18.163702,"_source":{"product":"Consumer Loan","complaint_what_happened":"This is in regards to Citizens One, and the XXXX which they service. On XX/XX/2016 I purchased an XXXX online for pickup in store, and when I got there, an issue with XXXX 's systems required us to cancel that order ( and the associated loan ) and redo the order ( resulting in a XXXX loan ). The pending charges for sales tax and first month 's payment for the first loan were never settled, and fell off of my credit card as expected. However, a month later Citizens One double charged my credit card. I contacted them and they claimed the first loan was still open, and told me they could n't do anything. I had to work with XXXX to get the correct information sent to Citizens One to close out the loan and refund my money. I received a confirmation email from Citizens One on XX/XX/2016 which stated \" Dear XXXX XXXX, We were recently notified that you returned your XXXX order. Your loan number XXXX is now paid in full and has been closed. \nAny payments you have made to your loan will be refunded to the credit card or checking/savings account you have set up for your recurring monthly payments. Please allow XXXX business days for these payments to be returned. '' Since it 's been XXXX business days I called them, and they 're now telling me that it 's going to be up to XXXX business days before they refund the money. I complained, since I have a commitment in writing, and XXXX days is a ridiculous amount of time to process a credit card charge reversal. They told me that it was a generic email that gets sent out to everyone that closes the loan early. They could not/would not answer why it says XXXX business days if they really mean XXXX business days. After asking to be transferred to someone that could do something about it, she transferred me to XXXX, who said he 'd put in a request to expedite the refund. But they would not give me a reference number, send me an email confirming this, or do anything that will provide me with evidence of the conversation.","date_sent_to_company":"2016-12-09T17:45:31.000Z","issue":"Managing the loan or lease","sub_product":"Installment loan","zip_code":"85308","tags":null,"has_narrative":true,"complaint_id":"2241567","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2016-12-08T18:31:21.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Any <em>payments</em> you have <em>made</em> to your loan will be refunded to the <em>credit</em> <em>card</em> or checking/savings account you have set up for your recurring monthly <em>payments</em>. Please allow XXXX <em>business</em> days for these <em>payments</em> to be returned. '' Since it 's been XXXX <em>business</em> days I called them, and they 're now telling me that it 's going to be up to XXXX <em>business</em> days before they refund the money."]},"sort":[18.163702,"2241567"]},{"_index":"complaint-public-v1","_id":"3450949","_score":17.904097,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/19, Citibank notified me of a fraudulent transaction and suggested to immediately close out the account.\n\nCitibank immediately closed the account claimed a new card was mailed out on XX/XX/2019, however, I did not received the card untilXX/XX/2019.\n\nMy account is marked as paperless, which means I must retrieve all information concerning this account online.\n\nMy payment was due on XX/XX/19, Citibank blocked my ability to make a payment online or find and verifiy charges that were placed on the account after the account was closed. \n\nCitibank marked my payment as late, charged a late fee, then double the amount do during the next payment cylce and to date has not fixed or provided access to online account or made it impossible for me to make any payments. \n\nI have contacted Citibank ( 5 ) times and got outsourced representatives in another country that can bearly speak King James english who refused to fix the account waive late fee and reduce amount of payment due on the next cycle. \n\nCitibank created a problem that affecting my credit score, cash flow and ability to use their card during the holiday period. \n\nI am requesting formal investigation in Citibank busines practices and asking the CFPB to enact or enforce current laws and protection senior citizen 's with disabilities from this type of abusive business practices.","date_sent_to_company":"2019-11-26T15:41:00.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3450949","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-11-26T15:09:51.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Citibank created a problem that affecting my <em>credit</em> score, cash flow and ability to use their <em>card</em> during the holiday period. \n\nI am <em>requesting</em> formal investigation in Citibank busines practices and asking the CFPB to enact or enforce current laws and protection senior citizen 's with disabilities from this type of abusive <em>business</em> practices."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <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":[17.904097,"3450949"]},{"_index":"complaint-public-v1","_id":"21668727","_score":17.856236,"_source":{"product":"Credit card","complaint_what_happened":"I have filed numerous complaints about Goldman Sachs and their business practices. I have been asking repeatedly for the evidence used in determining there were no fraudulent actions on my card. Now they are saying that I knew who it was and that I authorized the transactions. Nothing could be further from the truth and I am requesting the evidence used to fabricate this blatant untrue statement. My account balance is settled with Goldman Sachs but they are still trying to hold me responsible for this debt that they claim I owe. The odd part about this is that received numerous refunds for transactions that I reported as fraudulent, while some were denied that were on the same receipt that I did receive refunds back. The only evidence, if you call it that and circumstantial at best, is my bank statements for my credit card. No evidence where I made the statement they claimed I made or any mention of the fraud investigation or report of findings after the investigation. Seems simple enough to provide unless they dont have these documents which supports what I have been saying all along. They only seem to respond to your company as I never received any correspondence until I went through you. This is another example of big businesses taking advantage of the consumer by doing exactly what they want while we, the public, are held to another standard. I have shown evidence on my part but have only received statements back which I am still trying to understand how that is determined to be justification of a consumers debt when fraud has been claimed. An investigation was allegedly done but no results were sent to the card holder after many requests. I also did not receive any evidence when requested many times, and that seems to be no issue for them, but they claim they sent me notices and placed late payments on my credit report. Seems like double standards from I am sitting.","date_sent_to_company":"2026-04-28T15:37:41.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"29223","tags":"Servicemember","has_narrative":true,"complaint_id":"21668727","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2026-04-28T15:10:24.000Z","state":"SC","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I also did not receive any evidence when <em>requested</em> many times, and that seems to be no issue for them, but they claim they sent me notices and placed late <em>payments</em> on my <em>credit</em> report. Seems like <em>double</em> standards from I am sitting."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[17.856236,"21668727"]},{"_index":"complaint-public-v1","_id":"3106163","_score":17.354853,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"CFPB team please review Citibank issued Credit card ( Citi DoubleCash Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/XXXX It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have accumulated thousands of dollars of charges on the account for which Citi has charged up to 4 % to each merchant i did business with. For tens of thousands of dollars in purchase at the end of the year I earn the Cash back that Citibank stole from me. \nI called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are not ready to help. \nI have my rights to redeem my cash back rewards back for each one of these cards : Citi Double Cash Card XXXX $ XXXX {$250.00} Cash Back that was never credited back to the account for purchases I had made until XX/XX/XXXX I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/XXXX. There was no response received. I had requested all my cash back on my account to be redeemed and credited back to my bank as a ACH payment or check to be issued. Citicards & Citibank is refusing to give me the cashback for which they had clear terms and conditions to honor their rewards. \n\nIt is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 1 years paying high interest rates for the charges. \n\nI am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. \n\nRegards, XXXX XXXX XXXX","date_sent_to_company":"2018-12-20T19:20:48.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"48168","tags":null,"has_narrative":true,"complaint_id":"3106163","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-12-20T18:50:56.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I have my rights to redeem my cash back rewards back for each one of these cards : Citi <em>Double</em> Cash <em>Card</em> XXXX $ XXXX {$250.00} Cash Back that was never <em>credited</em> back to the account for purchases I had <em>made</em> until XX/XX/XXXX I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/XXXX. There was no response received. I had <em>requested</em> all my cash back on my account to be redeemed and <em>credited</em> back to my bank as a ACH <em>payment</em> or check to be issued."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[17.354853,"3106163"]},{"_index":"complaint-public-v1","_id":"5626077","_score":17.311138,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I opened an account with Synchrony Bank/MasterCard ( TJX Rewards ) on XX/XX/XXXX. Throughout, I have been a loyal customer and frequently patronized several of the TJX Companies using this card. At a later point I attempted to add my wife as an authorized user, however the cards kept getting lost in the mail. Each time I reported that I wasn't receiving the new card the bank would close the account ( potentially harming my credit score ). This occurred three times before I finally received my second card. \nFast forward, ( weekend of XX/XX/XXXX ) my wife and I were attending and out-of-town event in which the vendors did not accept cash, so we relied heavily on this card to plan our purchases. After arriving at the event we learned our card was no longer working. We reached out to Synchrony customer service since we had not received any notices or emails explaining that the card was frozen. At that point we were told that the account was permanently closed due to a payment being rejected. The reason for the payment rejection was due to the fact that we had double paid Synchrony in an attempt to pay off the balance in full. We attempted a full account payment of {$2600.00} on XX/XX/XXXX ( two weeks prior to any amount coming due on our account ) for the purpose of freeing up our credit limit as we needed to make a timely and expensive online purchase with the card. After waiting several days and not receiving any notice from Synchrony that a payment was received and there being no record of the payment posting while viewing our online account page, we made a second attempt to pay off the balance of {$2700.00} on XX/XX/XXXX. This second attempt ended up going through immediately after the first attempt and we believe there wasn't enough funds to cover a double payment in that amount. ( Unfortunately our bank XXXX XXXX XXXX was having issues and not accessible during this time so we could not check those account balances for available funds ). There was certainly enough to cover the full balance though if we had not double paid. Again, at that time no money was due. We were just trying to zero out the balance. It should also be noted that from the time the second payment was rejected ( on XX/XX/XXXX ) up until we received an official email notice ( on XX/XX/XXXX ) numerous expenses had accrued on the account that are still due. \nAfter calling in, we were told the account was closed and basically it was implied they had no interest in doing business with us. We spoke to account managers, XXXX ( ID # XXXX ) and XXXX ( ID # XXXX ). I asked why they would close an account over an accidental double payment - when no money was even due ( assuming that these simple errors would be preferable to things such as missed payments or late payments ). XXXX said there must be a pattern of \" insufficient funds '' transfers on our account- which is not true - and he could not provide dates or evidence of such. We requested several times to speak to their supervisor, XXXX. Their response was rude and evasive and we have still not received a call from XXXX to discuss our issue. \nThus far, Synchrony Bank has done everything in its power to harm my credit score and records and at the same time discredit their name and reputation along with their partners, XXXX and TJX Companies. They've shown no interest in growing or retaining a customer base. Synchrony share holders and partners should be gravely concerned.","date_sent_to_company":"2022-06-02T18:34:58.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"32246","tags":null,"has_narrative":true,"complaint_id":"5626077","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-06-02T17:50:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I asked why they would close an account over an accidental <em>double</em> <em>payment</em> - when no money was even due ( assuming that these simple errors would be preferable to things such as missed <em>payments</em> or late <em>payments</em> ). XXXX said there must be a pattern of \" insufficient funds '' transfers on our account- <em>which</em> is not true - and he could not provide dates or evidence of such. We <em>requested</em> several times to speak to their supervisor, XXXX."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[17.311138,"5626077"]},{"_index":"complaint-public-v1","_id":"11192855","_score":17.075161,"_source":{"product":"Credit card","complaint_what_happened":"A few years ago Fortiva Bank offered me a credit card with twenty percentile interest. I accepted the card with an end use agreement that there were no annual fee. The interest rate was directly tied to federal reserve tax rate with a formula. I didnt use the card for several months at which point they threatened to revoke the credit card and close the account. Inflation had started to take hold with US economy. They raised the interest rate to 29 %. This was actually the lowest rate card I had so I used it for some expenses. Once the balance hit {$1800.00} the company said they were modifying the agreement. They added an {$8.00} month fee and set the interest rate at 39 %. I immediately objected in writing with both them and the better business bureau. I made all my payments in a timely manner. I have good credit ( XXXX at this writing ). I told them if they did that I would close the account. So it took 6 months to convince XXXX XXXX to extend a 0 % credit offer ( because of my credit score ). I did what I said. I took XXXX statement. Made {$71.00} payment. Got a pay off balance and gave it to XXXX to cover the remaining balance. They were actually overpaid the balance of XXXX statement. It should have brought the account balance to {$0.00}. This is predatory business practices. Especially for someone with good credIt. To just implement all sorts of fees and double the interest when I did nothing to violate the original agreement. Another bank set the account at 0 % interest because of my credit score. They started running the fee through 40 % finance interest rates instead of taking it from my monthly payment. They had kept almost half my payments in finance charges. When I asked them paid in full account be closed they initially refused. Told me I had to call them. They purposely leave people on hold for hours. I do not have this kind of time. On my 3rd written request I got an email back saying the account was closed. Now they are trying to charge more fees on a XXXX balance card. The card is not shut off and Fortiva Bank continues to conduct themselves in a predatory lending manner.","date_sent_to_company":"2024-12-17T21:41:08.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"44130","tags":null,"has_narrative":true,"complaint_id":"11192855","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2024-12-17T21:08:13.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["So it took 6 months to convince XXXX XXXX to extend a 0 % <em>credit</em> offer ( because of my <em>credit</em> score ). I did what I said. I took XXXX statement. <em>Made</em> {$71.00} <em>payment</em>. Got a pay off balance and gave it to XXXX to cover the remaining balance. They were actually overpaid the balance of XXXX statement. It should have brought the account balance to {$0.00}. This is predatory <em>business</em> practices. Especially for someone with good <em>credIt</em>."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[17.075161,"11192855"]},{"_index":"complaint-public-v1","_id":"11468571","_score":16.823,"_source":{"product":"Checking or savings account","complaint_what_happened":"As a business customer with multiple accounts at Bank of America, I am experiencing significant frustration regarding a recent issue. I have encountered a problem with a double payment made on my business credit card, for which I requested a refund to my Bank of America checking accountthe same account from which the duplicate payment was drawn. This request was submitted over a month ago, specifically on XX/XX/ 2024, yet I have yet to see the funds returned to my checking account. During my second call to customer service, I was informed that the initial representative had submitted the request incorrectly, necessitating a new claim to be filed. On XX/XX/XXXX, I was assured via online chat that the request had been approved on XX/XX/2024, and that the refund would be processed within five business days. However, as of XX/XX/XXXX, the funds are still not reflected in my account, leaving me perplexed about the delay in processing this refund. \n\nIn addition to the refund issue, I am equally frustrated with the automated customer service system. The system creates an endless loop that prevents me from connecting with a live representative. Despite my attempts to provide the necessary information, such as my account number and Social Security number, the automated prompts fail to recognize my inputs and hung up. This results in a repetitive cycle where I am continually asked why I wish to speak with a representative, without any progress being made toward resolving my concerns. The lack of effective communication within the automated system is not only time-consuming but also exasperating, as it hinders my ability to address urgent matters. \n\nIf this is the level of service that Bank of America intends to provide to its customers, I am seriously considering closing my accounts. The current system forces customers into a frustrating interaction with a robotic interface that does not adequately address their needs. It is imperative that the bank reevaluates its automated processes to ensure that customers can easily reach a live representative when they express a desire to do so. A more responsive system that prioritizes customer needs would greatly enhance the overall experience and restore my confidence in Bank of Americas commitment to its clients.","date_sent_to_company":"2025-01-10T19:16:05.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"302XX","tags":null,"has_narrative":true,"complaint_id":"11468571","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-01-10T18:49:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["As a <em>business</em> customer with multiple accounts at Bank of America, I am experiencing significant frustration regarding a recent issue. I have encountered a problem with a <em>double</em> <em>payment</em> <em>made</em> on my <em>business</em> <em>credit</em> <em>card</em>, for <em>which</em> I <em>requested</em> a refund to my Bank of America checking accountthe same account from <em>which</em> the duplicate <em>payment</em> was drawn. This <em>request</em> was submitted over a month ago, specifically on XX/XX/ 2024, yet I have yet to see the funds returned to my checking account."]},"sort":[16.823,"11468571"]},{"_index":"complaint-public-v1","_id":"3454206","_score":16.719852,"_source":{"product":"Debt collection","complaint_what_happened":"I sent this letter to Comenity today and also transmitted it to them electronically. The date of the original purchase was XX/XX/2019 in the amount of {$59.00}. I sent a settlement payment, to be delivered on XX/XX/2019, in the amount of {$63.00} which is the original purchase amount, $ XXXX {$4.00} of interest. \n\n\nXX/XX/2019 Customer Service Comenity Capital Bank dba COMENITY-XXXX XXXX + XXXX  XXXX XXXX XXXX XXXX, OH XXXX Dear Customer Service : I am writing you today concerning my account and requesting that you close this charge card. I have had several conversations with your collections people, the first of which I thought was someone just trying to scam me into making a payment. I did not remember applying for your card and suspected that it was just another clever scam to get me to give financial information to the caller, who was requesting a credit card payment. I told the caller that I would research the charge and if valid I would remit payment. I unsuccessfully searched for statements and for the credit card that your representative said was mailed to me. \n\nI went to the XXXX, where I shop, and they advised me that they could have opened the card at the register on a purchased to apply discounts. They asked for my account number, which I did not know. I kept receiving calls, exceptionally rude and less than professional, concerning the charges and again explained that I had not validated the charge or account they were referring to. I went to the Comenity website and did not see a listing for XXXX under store cards. I thought that it was strange that if I made a charge in XXXX, why you would wait until XXXX to call and inquire about this alleged charge. I then read the intention for credit establishment and started to understand the frequency and nature of your business model. This is not the type of credit that I need, and it appears to be predatory to those who do. \n\nNevertheless, I continued to search my records and found the receipt from the purchase that I made in XXXX. It did mention that it was placed on a card account, but I still did not know the account number. I searched my pile of mail to be shredded and found the credit card and the statements. I submitted a payment of {$59.00} plus {$4.00} in interest charges which my bank should send to you on XX/XX/2019. \n\nI am requesting that you remove any negative credit reports that you may have placed on credit record. I am also requesting that you remove late fees, which in three months have doubled the original purchase amount, from my account. I am also requesting that that my account be closed immediately. You are not authorized to charge any of my financial accounts electronically, or any other manner, without my express written consent. \n\nI would like for you to correspond with only written communications, on this and any other matter, from this point forward to the address provided above. Send your response to these requests and an acknowledgement of receipt of payment from my bank. \n\n\nSincerely, CC : XXXX Customer Service XXXX  Ohio Consumer Financial Protection Bureau File","date_sent_to_company":"2019-11-30T20:30:51.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"75243","tags":null,"has_narrative":true,"complaint_id":"3454206","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2019-11-30T20:30:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["It did mention that it was placed on a <em>card</em> account, but I still did not know the account number. I searched my pile of mail to be shredded and found the <em>credit</em> <em>card</em> and the statements. I submitted a <em>payment</em> of {$59.00} plus {$4.00} in interest charges <em>which</em> my bank should send to you on XX/XX/2019. \n\nI am <em>requesting</em> that you remove any negative <em>credit</em> reports that you may have placed on <em>credit</em> record."],"sub_product":["<em>Credit</em> <em>card</em> debt"]},"sort":[16.719852,"3454206"]},{"_index":"complaint-public-v1","_id":"2252189","_score":16.566734,"_source":{"product":"Credit card","complaint_what_happened":"I contacted Citibank/Home Depot card service in XX/XX/XXXX regarding severe flooding, which was declared a federal disaster # XXXX, in XXXX. This caused me a major hardship as I lost my home and vehicles as well as the indirect effect on my business. The representative, XXXX, advised there would be no problem since it is a federal disaster that policies were in place to assist. There would be no late fees, interest and they would not report any negativity to the credit bureau. I asked if there would be double or triple payments due, as well as would this effect my credit limit/interest rate and she stated no. I made payment in XX/XX/XXXX and contacted the office to make sure that the above was noted and taken care of. The rep, told me that the notes were there but I was billed a late fee and interest and no credits were issued. I requested a manager call back. I made my payments as requested from then until now as agreed. I later received a letter in the mail that my credit limit was being reduced to {$1700.00} from {$3000.00}. My balance is @ {$1400.00} which now takes my bal/credit limit ratio from XXXX % to XXXX % credit used which has tremendously dropped my XXXX credit score. I contacted the credit limit management dept and requested a manager. I was contacted 4 days later with apologies from XXXX XXXX stating they had been very busy. XXXX XXXX listened and advised that she understood but nothing she could do. I then requested her manager. She advised she would forward my request. Once again, I waited and just received a call back after 3 days from XXXX. XXXX advised the same as above. I requested her manager. She did get her manager, XXXX id : XXXX in XXXX, on line. XXXX very abruptly stated that everything I had been told was correct and no changes would be made even after I advised him of the notes in XX/XX/XXXX and asked if he would research the call. He refused and said the call could not be pulled and again stated that it does not matter what I was told or what was noted he would not honor the agreement. He further refused to address the confirmation from XXXX updates and that no other negative reporting/entries exist. This is not only unfair and dishonest business practices but is also very disheartening given the massive loss as well as the effort put in to avoid this very stressful situation. Citibank/Home Depot has used a federally declared natural disaster to betray its already disenfranchised customers by allowing insensitive, inhumane, and egotistical people who lack compassion to run its business. I am deeply saddened and wish that I no longer had to do any business with this company.","date_sent_to_company":"2016-12-16T04:44:41.000Z","issue":"Credit line increase/decrease","sub_product":null,"zip_code":"71202","tags":null,"has_narrative":true,"complaint_id":"2252189","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-12-16T04:44:40.000Z","state":"LA","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":["I asked if there would be <em>double</em> or triple <em>payments</em> due, as well as would this effect my <em>credit</em> limit/interest rate and she stated no. I <em>made</em> <em>payment</em> in XX/XX/XXXX and contacted the office to make sure that the above was noted and taken care of. The rep, told me that the notes were there but I was billed a late fee and interest and no <em>credits</em> were issued. I <em>requested</em> a manager call back. I <em>made</em> my <em>payments</em> as <em>requested</em> from then until now as agreed."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Credit</em> line increase/decrease"]},"sort":[16.566734,"2252189"]},{"_index":"complaint-public-v1","_id":"3691617","_score":16.50212,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I noticed I had a \" charge-off '' reported on my secured credit ( with {$700.00} limit ) by america first credit union. I contacted them on the phone on XX/XX/XXXX to dispute this. On XX/XX/XXXX I received noticed that they have reported it correctly and it was a charge off as of XX/XX/XXXX. I stated to them this was incorrect that I requested the card closed on more than one occasion shortly after the balance was zeroed out at my local branch. AFCU dispute department claims they have had no notes from the branch stating I wanted the card closed. \nThe last time a charge was made was XX/XX/XXXX in the amount {$36.00} which then put me to a limit of {$710.00} this is when a barrage of charges ( finance and late ) began that resulted in the charge-off amount of XXXX. So again this has been 1 year and six months of late fees and charges for going over my {$700.00} limit my XXXX dollars. Per the credit card act of XXXX they should have had my opt in to go over the limit which they did not. So for 1 1/2 years I was charged unfair and unreasonable fees to get this overage of XXXX dollars that should have never been authorized per the credit act. The act also states issuers can charge higher penalty fees only if they demonstrate to banking regulators that their costs ( collections etc. ) justify a higher fee. Under no circumstances can a fee for a late payment or an over-limit transaction be higher than the minimum payment you missed, or the amount you went over your credit limit. I was being charge XXXX a month for a card I stopped using for a year and a half. \nI was respectful in taking the stance I with AFCU that even though I requested closed at the branch that I should have double and tripled checked that it was indeed closed, they gave me a list of the times they tried to contact me and I told them I work graveyard shift and did not respond to calls, and with letters I discarded them as junk because I had no further business with them, due to the fact that I closed my account with them for my vehicle loan I had no further reason to conduct any business with them. Maybe if I still had my loan and was a customer with them the dispute department would have been more reasonable with customer service in giving a customer the benefit of the doubt that a mistake was made by the branch in not closing the account as I requested. In closing I hope they will resolve this issue on their end this was a secured credit card that was my money not theirs and to charge a customer for a year and a half of finance charges and exuberant fees is in my opinion not a fair and reasonable way to conduct business with the public. AFCU charge-off resulted in lowering my credit score and being able to get better rates to refinance my mortgage.","date_sent_to_company":"2020-06-25T18:13:11.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"84074","tags":"Servicemember","has_narrative":true,"complaint_id":"3691617","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICA FIRST FEDERAL CREDIT UNION","date_received":"2020-06-10T02:08:51.000Z","state":"UT","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["Under no circumstances can a fee for a late <em>payment</em> or an over-limit transaction be higher than the minimum <em>payment</em> you missed, or the amount you went over your <em>credit</em> limit. I was being charge XXXX a month for a <em>card</em> I stopped using for a year and a half."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"company":["AMERICA FIRST FEDERAL <em>CREDIT</em> UNION"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[16.50212,"3691617"]},{"_index":"complaint-public-v1","_id":"8107532","_score":16.1134,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/XXXX & XX/XX/XXXX - I made a double payment to my credit card account by accident. On XX/XX/XXXX I disabled my auto pay and made a manual payment in the amount of {$9800.00} to XXXX balance my account. The next day my auto pay went through in the same amount. \nXXXX - I requested a refund check in the amount of {$9800.00}, instead a credit balance was posted to my account. \n-- >In the weeks following I made several calls to Capital One to rectify the situation as I did not want a credit balance, instead I wanted a refund check. Two separate checks were sent, one in the correct amount which I attempted to deposit but it was returned by my bank as Capital One had issued a stop payment on the check. The second check was in the amount of {$9600.00} deducting interest on the account. I was told to discard this check which I shredded upon arrival. \nXX/XX/XXXX or XX/XX/XXXX - another call to customer service and I was told a check for {$9800.00} had been re-issued and was on it's way. \n-- > I requested on several calls to have the fastest refund payment possible. I was told on two separate calls that an ACH deposit request was made and in process, no ACH deposit ever received. \nXX/XX/XXXX - I call Capitol One again to find out the status of my refund. I am told the previous ACH was never submitted and the agent on the phone was submitting again for review. I would be contacted in 5-10 business days with an answer on the ACH request. Never received any call or communication about ACH. ( Case # XXXX ) -- > I write and formally send two letters of complaint to Capital One financial corporation in Califnornia and Virginia. No response as of XX/XX/XXXX. \nXX/XX/XXXX - I receive a new check in the amount of {$9800.00}, I am unable to deposit before a long holiday vacation. I deposit the check on XX/XX/XXXX and the funds are posted on XXXX XXXX \nXX/XX/XXXX - I receive notice that the check I deposited in my bank has been returned and a stop payment from Capital One. \nXX/XX/XXXX - I call Capital One and I am told that check ( check # XXXX ) was issued on XX/XX/XXXX and had a stop payment. I am told a new check ( check # XXXX ) was issued on XX/XX/XXXX and should be arriving in a matter of days. Agent, XXXX assured me that the check did not have a stop payment issued on it and I should wait for this fourth check. ( Case # XXXX - customer service senior agent, XXXX ) Initial double payment XX/XX/XXXX & XX/XX/XXXX of XXXX. Here I am on XX/XX/XXXX and I still have not been able to collect my refund in the amount of {$9800.00}. I have closed my credit card account with Capital One as of XX/XX/XXXX and have no open accounts with the bank. I have requested multiple times to have my call transcripts emailed to me so that I can review the dates, case # 's and check numbers and sort out the sequence of events. The agents will not share my transcripts and claim they can not escalate mt issue to another level or transfer to another department. The phone # I am calling is the public customer service number listed online for Capital One, XXXX","date_sent_to_company":"2024-01-04T16:30:21.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"75032","tags":null,"has_narrative":true,"complaint_id":"8107532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-01-04T16:07:29.000Z","state":"TX","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["XX/XX/XXXX & XX/XX/XXXX - I <em>made</em> a <em>double</em> <em>payment</em> to my <em>credit</em> <em>card</em> account by accident. On XX/XX/XXXX I disabled my auto pay and <em>made</em> a manual <em>payment</em> in the amount of {$9800.00} to XXXX balance my account. The next day my auto pay went through in the same amount."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[16.1134,"8107532"]},{"_index":"complaint-public-v1","_id":"8069865","_score":16.076313,"_source":{"product":"Credit card","complaint_what_happened":"I have a 0 % APR balance transfer on my Bank of America Credit Card through XXXX XXXX. I have been making the minimum payment necessary each month, which is 1 % of the account balance. A few months ago, my account started showing payment due even though I had already made a payment. I called and spoke to customer service and they said dont worry about it, seems to be a glitch in the website, they see that I clearly made a payment that month. \nHowever the problem did not go away, and then I got hit with late fees, and the minimum amount due started doubling. Every time I call in, I am told they are attempting to collect a debt from me. When I log into my account Im told account past due. After hours of talking to them on the phone, and lots of escalations, they told me that my XXXX ( due XX/XX/XXXX ) payment didnt count. The money was taken from my bank account and my credit card balance was reduced, but Bank of America would not count it as a payment towards my minimum payment for the month, and therefore in their eyes I never made a payment and my account was past due. It seems not that my payment arrived late, but that it arrived too early - by a only a day. According to their records, the payment was requested on XX/XX/XXXX and shouldnt have been sent in until XX/XX/XXXX. However, they didnt process my payment until XX/XX/XXXX ( all of my other payments have been processed same day or within 1 business day ). \nAlthough it is very obvious to any reasonable and rational person that this was my payment for the XX/XX/XXXX due date ( it was processed by them right in the middle of the cycle, XXXX days before it was due ), and even appears on the correct XXXX statement and not an earlier statement, the bank refuses to accept that I made my payment for that month, and continues to charge me late fees month after month and tell me my account is past due. \nPlease see XXXX statements attached : XXXX statement saying min payment due, {$290.00} XXXX statement showing a payment of {$290.00}, then claiming a past due amount {$290.00}","date_sent_to_company":"2023-12-29T05:07:23.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"972XX","tags":null,"has_narrative":true,"complaint_id":"8069865","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-12-29T04:38:38.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I have a 0 % APR balance transfer on my Bank of America <em>Credit</em> <em>Card</em> through XXXX XXXX. I have been making the minimum <em>payment</em> necessary each month, <em>which</em> is 1 % of the account balance. A few months ago, my account started showing <em>payment</em> due even though I had already <em>made</em> a <em>payment</em>. I called and spoke to customer service and they said dont worry about it, seems to be a glitch in the website, they see that I clearly <em>made</em> a <em>payment</em> that month."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Problem during <em>payment</em> process"]},"sort":[16.076313,"8069865"]},{"_index":"complaint-public-v1","_id":"17830637","_score":15.763954,"_source":{"product":"Credit card","complaint_what_happened":"When you attempt to make a MANUAL credit card payment on the bank 's online interface via the phone app, the system allows you to do so but does NOT provide any reference number nor does the payment become referenced on the site under Statement Activity. In fact, there is no place to find Statement Activity. As a result, it is quite confusing if you want to double check to confirm that a future scheduled payment is in the process to be paid. \n\nSometime in XX/XX/year>, I went ahead and scheduled a XXXX credit card payment to take place on XX/XX/year>. I wanted to make sure that the credit card balance would be paid off. Since I knew the exact amount and was incurring no interest charges, the amount was easy to identify. Yet, after I scheduled the manual payment, there was no way to see if the payment was actually scheduled. As a matter of backup, I set up an automatic \" statement balance payment '' to take place on XX/XX/year>. I have done this a number of times with both XXXX and XXXX XXXX and there have been no problems. In the case of XXXX and XXXX XXXX, the banks ' systems recognize when an account has been paid off and so the automatic scheduled payment does not go through as there is no statement balance left to pay off. \n\nHowever, 5/3 Bank does not do this. Their systems do NOT recognize balance payoffs and hence if you make a manual payment and have automatic payments set up, they take payment twice!!!! This is NOT ok. As the consumer, in this case, I have paid off the credit card balance and thank taking money twice should be illegal if not at the very least considered bad business practice. \n\nBut the story gets worse when you call them and try to get them to reverse their own error. As the consumer, you must wait XXXX BUSINESS days ( not just days ) to call the bank bank ( on your own time ) and REQUEST that they reverse the charges on their OWN mistake. And then it is more waiting. On top of that, they issue checks which again require more time and the mailing process. Checks are also \" yesterday '' in the banking industry and since I made the payment through automatic payment, the funds should be able to reversed back into my account immediately. \n\nDespite what the bank says, you can not reach them XXXX. They have chat available but not the ability to speak with a live agent who can do anything about it. \n\nI spent over XXXX hours on the phone to try and get someone at XXXX bank who actually cared about my situation. I was passed around to multiple customer service representatives who in the end did nothing. I am just in a waiting pattern until someone decides to get back to me. This should be illegal.","date_sent_to_company":"2025-11-25T16:38:54.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"320XX","tags":null,"has_narrative":true,"complaint_id":"17830637","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-11-25T15:58:45.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["As the consumer, in this case, I have paid off the <em>credit</em> <em>card</em> balance and thank taking money twice should be illegal if not at the very least considered bad <em>business</em> practice. \n\nBut the story gets worse when you call them and try to get them to reverse their own error. As the consumer, you must wait XXXX <em>BUSINESS</em> days ( not just days ) to call the bank bank ( on your own time ) and <em>REQUEST</em> that they reverse the charges on their OWN mistake. And then it is more waiting."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Problem during <em>payment</em> process"]},"sort":[15.763954,"17830637"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":170,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":170}]}},"product":{"doc_count":170,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":45,"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":35},{"key":"Store credit card","doc_count":3}]}},{"key":"Credit card or prepaid card","doc_count":37,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge 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