{"took":68,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":9,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12993003","_score":21.919668,"_source":{"product":"Prepaid card","complaint_what_happened":"I am a recipient of XXXX XXXX XXXX  funds distributed via a Way2Go prepaid card. Since XX/XX/XXXX, I have been unable to access my funds. My original physical card was canceled and replaced, but the app now shows only a virtual card number I did not authorize or create. The new physical card ( which I paid {$25.00} to expedite ) arrived and was activated, but it is not linked to my actual account and can not be used to withdraw or spend my child support funds. \n\nOver the past week, I have been repeatedly given the runaround by Way2Go support. I've spoken to at least five representatives who all attempted to activate international spending without success. One rep told me they couldnt help because my ATM withdrawal attempts weren't populating in their system. Ive submitted my drivers license, birth certificate, verified multiple security codes, and waited through XXXX resets multiple times. Each time, Im told Itll work this time, just wait two more hours. It never works. \n\nI attempted to transfer funds to my own verified bank account, and they flagged the transaction as fraud. One rep told me you can only do like {$25.00} at a time. Another told me to just try a different XXXX after I explained I was attempting an online grocery purchase that kept failing. \n\nI am currently in XXXX and now completely locked out of access to the funds I am legally entitled to. This has been going on for over a week with no resolution, no escalation, and no accountability. I need this issue resolved immediately.","date_sent_to_company":"2025-04-15T22:15:33.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"159XX","tags":null,"has_narrative":true,"complaint_id":"12993003","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Conduent Incorporated","date_received":"2025-04-15T21:58:16.000Z","state":"PA","company_public_response":null,"sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["Ive submitted my <em>drivers</em> <em>license</em>, birth certificate, verified <em>multiple</em> security codes, and waited through XXXX resets <em>multiple</em> <em>times</em>. <em>Each</em> time, Im told Itll work this time, just wait two more hours. It never works. \n\nI attempted to transfer funds to my own verified bank account, and they flagged the transaction as fraud. One rep told me you can only do like {$25.00} at a time."]},"sort":[21.919668,"12993003"]},{"_index":"complaint-public-v1","_id":"16749661","_score":21.133268,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"COMPANY INFORMATION : Company Name : Equifax Information Services LLC Product : Credit reporting, credit repair services, or other personal consumer reports Sub-product : Credit reporting Issue : Unable to get your credit report or credit score Sub-issue : Problem getting your free annual report WHAT HAPPENED : I am filing this complaint against Equifax for repeatedly denying me access to my credit report and making it impossible for me to monitor my credit information, which is my legal right under the Fair Credit Reporting Act. \n\nDETAILED DESCRIPTION : I have been unable to access my Equifax credit report through their online system despite numerous attempts. Every time I try to create an account or log in to view my credit report, I am blocked from accessing my information. \n\nSPECIFIC ISSUES : - I can not successfully create or maintain an account with Equifax - When I attempt to access my credit report, the system gives me error messages or claims it can not verify my identity- I have attempted to resolve this multiple times through their system - Each time I contact Equifax for help, I receive \" the run around '' with no actual resolution- This has been an ongoing problem for [ specify timeframe - weeks/months/years ] ATTEMPTS TO RESOLVE : I have made multiple attempts to resolve this issue, including : - Attempting to register/log in numerous times - Trying different browsers and devices - Following Equifax 's verification procedures- Called Equifax customer service- was told the issue would be \" escalated to their technical team '' - Called back to follow up - was told there was NO RECORD of any escalation despite previous representative 's promise - Have been asked to provide my driver 's license multiple times with no actual resolution - Each call results in the same runaround with no progress Despite all these efforts and providing my driver 's license repeatedly, Equifax continues to deny me access XXXX my own credit information. Their representatives make false promises about escalations that never happen, creating a cycle of wasted time and frustration. \n\nLEGAL VIOLATIONS : This situation violates my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX  XXXX U.S.C. XXXX - Right to Access * * : Consumers have the right to obtain all information in their credit file. Equifax is systematically denying me this right. \n\nXXXX. XXXX XXXX XXXXXXXX U.S.C. XXXX - Free Annual Reports * * : I am entitled to a free credit report every 12 months. Equifax 's system failures prevent me from exercising this right. \n\nXXXX. XXXX XXXX XXXX U.S.C. XXXX - Dispute Rights * * : Without access to my credit report, I can not identify inaccurate information or file disputes, which violates my right to dispute inaccurate information. \n\nIMPACT ON ME : Equifax 's failure to provide access to my credit report has caused significant harm : - I can not monitor my credit for errors, fraud, or identity theft - I can not dispute inaccurate information that may be damaging my credit- I can not track my credit score or understand factors affecting my creditworthiness- I am at increased risk for undetected identity theft or fraud - I have wasted significant time and experienced extreme frustration trying to access information that is legally mine- I may be missing opportunities ( loans, credit cards, housing, employment ) due to inability to monitor and correct my credit This is particularly egregious given Equifax 's 2017 data breach that compromised XXXX XXXX Americans ' personal information. As a company already responsible for XXXX of the largest data breaches in history, their continued failure to provide basic access to credit reports is unacceptable. \n\nPATTERN OF PROBLEMS : This is not an isolated incident. A simple internet search reveals thousands of consumers reporting identical problems with Equifax 's online system. This suggests a systematic failure rather than individual technical issues. \n\n* * FALSE ESCALATIONS AND DECEPTIVE PRACTICES : * * What makes this situation worse is that Equifax representatives engage in deceptive practices : - Representatives promise to \" escalate '' issues to technical teams - When I follow up, there is no record of any escalation- I am repeatedly asked to provide my driver 's license as \" verification '' with no actual resolution- This creates a false impression that progress is being made while nothing is actually happening - Representatives appear to use these tactics to get consumers off the phone without actually resolving issues This pattern suggests Equifax either : XXXX. Has no functional escalation process despite telling consumers they do XXXX. Deliberately uses false promises to avoid resolving consumer access issues XXXX. Has such poor internal systems they can not track their own escalations All of these scenarios represent failures in consumer protection and FCRA compliance. \n\nEquifax appears to have inadequate systems and procedures for : - Identity verification - Account creation and maintenance - Customer service resolution - Tracking and following through on escalated issues - Providing the legally mandated access to credit reports TIMELINE : - [ First attempt date ] : First attempted to access my Equifax credit report online - [ Date ] : Attempted again, received error/denial - [ Date of first call ] : Called Equifax customer service XXXX representative promised to escalate issue to technical team - [ Date of second call ] : Called back to follow up - was told there was NO RECORD of any escalation - [ Dates ] : Provided driver 's license multiple times as requested with no resolution - [ Date ] : Multiple additional attempts to access account - all failed - [ Date range ] : Ongoing issue spanning [ XXXX ] - Present : Still completely unable to access my Equifax credit report online despite multiple XXXX and providing identification repeatedly WHAT I WANT : XXXX. * * Immediate access to my Equifax credit report * * - either online or via mail XXXX. * * A functional online account * * that allows me to monitor my credit regularly XXXX. * * Written explanation * * from Equifax about why I have been denied access XXXX. * * Compensation * * for : - Violation of my FCRA rights- Time wasted attempting to resolve this issue- XXXX distress and frustration - Potential credit damage from inability to monitor and dispute errors XXXX. * * Investigation * * into Equifax 's systematic failures that affect thousands of consumers XXXX. * * Corrective action * * to ensure Equifax provides reliable access to credit reports as required by law ADDITIONAL CONCERNS : Given that Equifax : - Collects and reports sensitive financial information about me without my consent - Profits from my personal data- Has a legal obligation to provide me access to this information - Has already demonstrated gross negligence in the 2017 data breach Their continued failure to provide basic access to my credit file is inexcusable and appears to be a willful violation of federal law. \n\nI request that the CFPB investigate Equifax 's practices and ensure they comply with their legal obligations to provide consumers access to their credit information. \n\nREQUESTED CFPB ACTION : - Investigate Equifax 's online access system failures - Require Equifax to provide me immediate access to my credit report - Impose penalties for FCRA violations- Monitor Equifax to ensure future compliance - Investigate whether this is a widespread systematic failure affecting other consumers SUPPORTING INFORMATION : - Screenshots of error messages ( if available ) - Dates and times of access attempts- Dates of phone calls to Equifax customer service - Reference numbers from calls ( if provided ) - Documentation showing I provided driver 's license multiple times - Any emails from Equifax - Documentation of attempts to resolve the issue * * Note regarding phone calls : * * If you were given reference numbers during your calls, include those. If you remember approximate dates of your calls, include those. Even if you don't have exact details, the fact that they promised escalation and then had no record of it is documented in this complaint. \n\nThis is a clear violation of my consumer rights, and I request immediate intervention to ensure Equifax complies with federal law.","date_sent_to_company":"2025-10-22T17:29:43.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"16749661","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-22T17:23:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["to resolve this issue, including : - Attempting to register/log in numerous <em>times</em> - Trying different browsers and devices - Following Equifax 's verification procedures- Called Equifax customer service- was told the issue would be \" escalated to their technical team '' - Called back to follow up - was told there was NO RECORD of any escalation despite previous representative 's promise - Have been asked to provide my <em>driver</em> 's <em>license</em> <em>multiple</em> <em>times</em> with no <em>actual</em> <em>resolution</em> - <em>Each</em> call results"]},"sort":[21.133268,"16749661"]},{"_index":"complaint-public-v1","_id":"9903049","_score":14.317834,"_source":{"product":"Checking or savings account","complaint_what_happened":"Summary I opened a saving account with Marcus by Goldman Sachs in XX/XX/2024 and transferred money without issue. Ever since the day after the money transfer I have been locked out of my money. \nThey give a difference excuse every time I call for support. \nThey originally said my account was unilaterally closed. \nTheir provided timelines to resolve the issue ( i.e., return my money ) keep changing and always encounter new issues impeding the resolution. \nThey unequivocally lied to me when their representative/specialist informed me that the account was unilaterally closed by them. \n\nTimeline ( thus far, everything occurred this year -i.eXXXX XXXX XXXX  XX/XX/XXXX opened savings account with the help of a specialist via phone calls and online authenticated multiple times XX/XX/XXXX transferred {$5000.00} into Marcus GOLDMAN SACHS XXXX XXXX XXXX  COLLECTION from my XXXX XXXX XXXXXXXX checking account. \nXXXX XXXX XXXX XXXXXXXX of account has been open for more than a decade. \nXX/XX/XXXX can't access my account anymore ( phone app ) Called in and specialist tells me the account has been closed unilaterally That they are entitled to close it and that my money should be returned in 10 business days authenticated multiple times XX/XX/XXXX receive email welcoming me to the new Marcus by Goldman Sachs savings account ( assumed automated email from yesterday ) XX/XX/XXXX phone call to support and escalation to specialist XXXX (? ) It turns out not closed but under investigation. \nThey say it takes an average of 7 days to close an investigation. \nEvery time I call, I have to provide my info and password ( secret word ) to to authenticate ; Multiple times on a call. \nThen the specialist calls me on the phone and does it one more time I told them in the recorded line that they lied to me on the previous call and that I no longer trust them and that I want my money returned. \nI asked for the information he provided me be made available to me via email or via text message or mail ( to the info he has in my account ) he refused ; my only recourse is the recording they took. \nXX/XX/XXXX Received online savings account statement via mail ( USPS ) XX/XX/XXXX another call XXXX specialist XXXX security department, can't authenticate me now for some reason. \nsaid will take up to 7 business days supposedly they need another way from the last department. \nI asked to be transferred to their manager I provided her all the info she requested XXXX XXXX from security department gave her My name Last four digits of my social security number. \nBirthday secret word driver license state manager, no one above her according to her can't authenticate me, can't help me Note that I have authenticated with their specialists at least twice per call until now. \n\nEvery single time I contact them, they come up with some other excuse that doesn't seem plausible and ultimately feels off the cuff. They are inconsistent and contradict each other : on XX/XX/XXXX, I was told in no uncertain terms that my account was closed, then that it was open but under investigation, now somehow they can't or won't authenticate me. \n\nThe fact that they refuse to give me anything in writing is concerning too. It feels XXXX. Only the end of month statement for XXXX has been sent ( the XX/XX/XXXX letter ). \n\nThey simply won't return my money. They have information on the account from which the money was deposited ( as required by various US laws ), they can effortlessly return it to the place it came from without any real security concern. \n\nI have checked the XXXX XXXX XXXX XXXX XXXX ). There is a clear pattern that they customarily pull these shenanigansXXXX XXXX XXXX XXXXXXXX Ultimately, what matters is that I opened the saving account, they quickly received my money ( without any issue from anotheXXXX XXXX XXXX XXXX  and have now effectively cut me off my money. This is contrary to everything that is sacred and respected about the US banking and financial system. \n\nThey are not abiding by regular rules, and this now feels like a scam. If they have an issue with my money, return to sender and report it to an actual law enforcement agency to conduct a real investigation. Presently, they have sequestered my money in what should, otherwise, be a safe saving account. \n\nThis is a misbehaving bank, and they are lying to customers ( me in this case, but apparently many based on the XXXX  reviews ).","date_sent_to_company":"2024-08-23T17:43:16.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"00956","tags":null,"has_narrative":true,"complaint_id":"9903049","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-08-23T16:25:25.000Z","state":"PR","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Birthday secret word <em>driver</em> <em>license</em> state manager, no one above her according to her can't authenticate me, can't help me Note that I have authenticated with their specialists at least twice per call until now. \n\nEvery single time I contact them, they come up with some other excuse that doesn't seem plausible and ultimately feels off the cuff."]},"sort":[14.317834,"9903049"]},{"_index":"complaint-public-v1","_id":"12497917","_score":13.928988,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Experian Unlawful Credit Reporting Practices & Violations of the FCRA To Whom It May Concern, I am filing this formal complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] due to their failure to : Correct and restore my personal information ( address and phone number ) after multiple requests.\n\nInvestigate credit disputes in good faith and remove incorrect information.\n\nProvide me with access to my own credit report and allow lenders to review it accurately.\n\nStop placing misleading notes on my credit report that obstruct dispute resolution and credit access.\n\n1. Unlawful Removal of My Address and Phone Number FCRA Violation [ 15 U.S.C. 1681c ] Experian has wrongfully removed my correct address and phone number from my credit report and refuses to update it, despite my repeated submissions ( over 8 times ) of valid supporting documentation, including : Government-issued identification ( Drivers License ) Social Security Card Utility bills Bank statements Under FCRA 1681c, Experian is required to maintain accurate and complete consumer files. The refusal to reinstate my legally documented personal information violates this provision. \n\nThis issue prevents lenders from verifying my identity, making it impossible for me to apply for credit or loans. \n\n2. Failure to Conduct a Proper Investigation of My Disputes FCRA Violation [ 15 U.S.C. 1681i ] Each time I dispute incorrect items on my credit report, Experian sends endless generic stall letters instead of conducting a legitimate investigation. This cycle has resulted in months of delays, with no real action taken to resolve the errors.\n\nFCRA 1681i ( a ) ( 1 ) ( A ) mandates that Experian investigate disputed items in good faith within 30 days.\n\nFCRA 1681i ( a ) ( 5 ) states that if Experian can not verify disputed information, it must be removed immediately. \nDespite these clear legal requirements, Experian has : Failed to provide verification of disputed accounts Refused to delete unverified items Sent repetitive stall letters instead of legitimate investigation results Their refusal to follow proper dispute resolution procedures is a blatant violation of my consumer rights under federal law. \n\nXXXX. Blocking Access to My Own Credit Report FCRA Violation [ 15 U.S.C. 1681g ] Experian has taken extreme steps to deny me access to my credit file, making it impossible to monitor my own credit.\n\nThey have placed a misleading note at the top of my credit profile stating that lenders may have different information, which effectively prevents me from seeing my full credit report.\n\nThey have made it so that no oneincluding myself or potential lenderscan pull my credit profile, stopping me from getting any form of financing.\n\nThis directly violates FCRA 1681g ( a ), which guarantees that every consumer has a right to full access to their credit file upon request.\n\n4. Misleading & Obstructive Credit Reporting FCRA Violation [ 15 U.S.C. 1681e ( b ) ] Experian has engaged in deceptive credit reporting practices by : Placing a vague, obstructive notation on my credit file that prevents disputes and credit approvals.\n\nFailing to provide factual, accurate, and complete consumer reports.\n\nBlocking legitimate disputes and refusing to verify accounts.\n\nUnder FCRA 1681e ( b ), Experian is legally required to maintain accurate and fair reporting standards, yet they have failed to do so.\n\nFormal Demands for Resolution : Experian must immediately take the following corrective actions : Restore my correct address and phone number on my credit report and provide written confirmation of this update. \nGrant me full, unaltered access to my credit file immediately, as required by law.\n\nProvide a legitimate, detailed investigation of my disputes, including : The names, roles, and qualifications of the individuals responsible for investigating my disputes.\n\nA list of steps taken during each investigation and the supporting documentation used.\n\nThe contact information for the dispute resolution department handling my case.\n\nRemove all unverifiable, duplicate, or outdated information in compliance with FCRA 1681i ( a ) ( 5 ).\n\nCease placing misleading notes on my credit report that prevent me from seeing my credit profile or applying for credit.\n\nLegal Consequences for Non-Compliance : If Experian fails to comply with these demands within 15 days, I will escalate this case further by : Filing additional complaints with the CFPB, FTC, and my states Attorney General. \nSeeking legal action for FCRA violations, including : Statutory damages of up to {$1000.00} per violation Actual damages for financial harm caused by Experians unlawful reporting Punitive damages for willful violations of the law Experians refusal to update my personal information, obstruct dispute investigations, and block access to my own credit report is unlawful and financially harmful. I expect a written confirmation of resolution within 15 days or I will take further legal action.","date_sent_to_company":"2025-03-21T15:41:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77070","tags":null,"has_narrative":true,"complaint_id":"12497917","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-15T22:25:16.000Z","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 with personal statement of dispute"},"highlight":{"complaint_what_happened":["Unlawful Removal of My Address and Phone Number FCRA Violation [ 15 U.S.C. 1681c ] Experian has wrongfully removed my correct address and phone number from my credit report and refuses to update it, despite my repeated submissions ( over 8 <em>times</em> ) of valid supporting documentation, including : Government-issued identification ( <em>Drivers</em> <em>License</em> ) Social Security Card Utility bills Bank statements Under FCRA 1681c, Experian is required to maintain accurate and complete consumer files."]},"sort":[13.928988,"12497917"]},{"_index":"complaint-public-v1","_id":"21940339","_score":9.621325,"_source":{"product":"Debt collection","complaint_what_happened":"I am responding regarding CFPB Complaint No. XXXX involving Capital One Financial Corporation and the inaccurate statement that my complaint requires authorization because of an alleged unauthorized third party. I strongly dispute that response and am once again clarifying that I am the living individual and consumer associated with the credit file and disputed Capital One accounts in question. I personally submitted this complaint and all supporting documentation on my own behalf. No third party, XXXX XXXX XXXX, attorney representative, or unauthorized individual is acting for me in this matter. The CFPB complaint itself clearly reflects my identifying information, complaint narrative, supporting attachments, and dispute details. \n\nI have already provided extensive documentation verifying my identity and supporting my identity theft claims, including : Copy of my Driver License Copy of my Social Security Card Proof of Current Address FTC Identity Theft Report Identity Theft Affidavit Prior written disputes and supporting records These documents were attached to my complaint and clearly demonstrate that I am the consumer associated with this matter. XXXX XXXX continued reliance on the phrase unauthorized third party appears to be an attempt to avoid conducting the reasonable investigation required under federal law rather than addressing the actual substance of the dispute. The issue is not authorization for a third party. The issue is that fraudulent Capital One accounts are being reported on my consumer credit file despite my repeated identity theft disputes and supporting evidence. \n\nAs reflected within my CFPB complaint submission, I clearly stated that the Capital One accounts being reported were not opened or authorized by me and do not represent financial obligations I knowingly incurred. I also requested that Capital One provide competent evidence proving that I knowingly opened or benefited from these accounts, including signed applications, contracts, transaction histories, identity verification records, and account-opening documentation. To date, no such competent evidence has been provided. \n\nInstead, Capital One continues to issue generalized responses while failing to provide the actual documentation necessary to establish lawful ownership or authorization of the disputed accounts. Generic internal verification or automated reporting confirmations are not sufficient under the Fair Credit Reporting Act ( FCRA ). \n\nThis letter serves as additional formal notice that I am exercising my rights under the Fair Credit Reporting Act, including but not limited to : XXXX U.S.C. XXXX ( b ), requiring reasonable procedures to assure maximum possible accuracy XXXX U.S.C. XXXX ( a ), requiring a reasonable reinvestigation of disputed information XXXX U.S.C. XXXX ( FCRA XXXX ), requiring blocking of identity theft-related information XXXX U.S.C. XXXX ( b ), requiring furnishers to conduct meaningful investigations upon receiving disputes Under these provisions, once a consumer submits a valid identity theft report and supporting documentation, fraudulent information must be blocked and removed if it can not be properly verified through competent evidence. Capital One can not simply continue reporting disputed accounts without providing lawful proof that I knowingly authorized them. \n\nI also dispute any implication that my complaint is invalid because of an alleged authorization issue. My CFPB complaint contains my personal identifying information, contact information, written dispute narrative, and supporting documentation. I have repeatedly verified my identity and there is no legitimate basis for continuing to delay or avoid a substantive investigation into the fraudulent accounts. \n\nXXXX XXXX  response does not resolve the core dispute. Rather than addressing the identity theft allegations and documentation submitted, the company responded by claiming authorization was needed from me to proceed. However, I already submitted the complaint directly and personally. This creates unnecessary delay and appears inconsistent with the obligations imposed by federal consumer protection laws. \n\nI am requesting that Capital One immediately conduct a proper reinvestigation into all disputed accounts associated with identity theft and provide the following : Copies of all signed applications and account agreements bearing my signature. \nCopies of all account-opening documentation and identity verification records used when the accounts were established. \nCopies of transaction records allegedly linking me to the disputed accounts. \nThe full method of verification ( MOV ) used to verify the disputed accounts, including : Whether verification occurred through e-Oscar, manual review, or third-party systems The date and time of verification The identity of the person or department conducting the verification The documents reviewed during the process The source of the data relied upon Complete audit trails and furnishing histories for each disputed account. \nCopies of all communications exchanged between Capital One and XXXX, XXXX, and XXXX  regarding these disputed accounts. \nWritten confirmation that all disputed accounts are marked as disputed by consumer on all credit reporting agencies. \nImmediate deletion and blocking of all fraudulent Capital One accounts if Capital One can not provide competent evidence proving I knowingly opened or authorized them. \n\nI also remind Capital One that under FCRA XXXX, once identity theft documentation has been provided, the law requires blocking of fraudulent information unless the furnisher can establish that the information relates to a legitimate transaction involving the consumer. Unsupported assertions that the account was verified do not satisfy this legal standard. \n\nMy complaint specifically stated that this matter involves identity theft and fraudulent reporting, not merely a billing dispute. I have acted in good faith throughout this process and have repeatedly submitted all requested identification documents and supporting evidence. Despite this, Capital One continues to respond with procedural objections rather than addressing the actual fraudulent reporting concerns. \n\nThe continued reporting of these disputed accounts has caused substantial financial and personal harm, including : Damage to my credit score Increased difficulty obtaining financing and housing Emotional distress and anxiety Harm to my financial reputation Ongoing risk of future collection activity Lost financial opportunities Because these accounts are inaccurate and disputed as fraudulent, their continued reporting creates ongoing harm every month they remain on my consumer reports. \n\nI also request that Capital One notify XXXX, XXXX, and XXXX  to immediately suppress, block, and remove all fraudulent Capital One accounts associated with my identity theft reports. If Capital One can not provide signed contracts, applications, or competent proof of authorization, these accounts must be permanently deleted from all consumer reporting agencies. \n\nFurthermore, if any accounts are removed or blocked, I request written confirmation that they will not be reinserted without full compliance with FCRA XXXX ( a ) ( XXXX ) ( B ), including advance written notice to me before any reinsertion occurs. \n\nI am again reiterating : I am the consumer associated with the credit file. \nI personally submitted this complaint. \nNo unauthorized third party is acting on my behalf. \nMy identity has already been verified multiple times. \nI submitted FTC identity theft documentation and supporting evidence. \nThe disputed Capital One accounts are fraudulent and not authorized by me. \n\nAccordingly, I demand immediate compliance with federal law and immediate corrective action. \n\nA fair resolution requires : Immediate deletion of all fraudulent Capital One accounts Blocking of identity theft-related information from reappearing Full reinvestigation compliant with the FCRA Written confirmation of all deletions and corrections Copies of all verification documents relied upon Confirmation that the disputed information will no longer be furnished or collected upon This matter remains unresolved until Capital One either : Produces competent evidence proving I knowingly authorized these accounts ; or Permanently removes and blocks the fraudulent accounts from all credit reporting agencies. \n\nIf this matter is not properly resolved, I reserve all rights to continue escalating through : The Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney General offices Additional federal and state regulators Available private legal remedies under federal and state law I expect a substantive written response addressing the actual identity theft dispute and not another generalized claim regarding unauthorized third parties. The law requires meaningful investigation, maximum possible accuracy, and removal of unverifiable or fraudulent information.","date_sent_to_company":"2026-05-06T17:32:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"63121","tags":null,"has_narrative":true,"complaint_id":"21940339","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-05-06T17:25:40.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["My identity has already been verified <em>multiple</em> <em>times</em>. \nI submitted FTC identity theft documentation and supporting evidence. \nThe disputed Capital One accounts are fraudulent and not authorized by me. \n\nAccordingly, I demand immediate compliance with federal law and immediate corrective action."]},"sort":[9.621325,"21940339"]},{"_index":"complaint-public-v1","_id":"5919392","_score":8.070165,"_source":{"product":"Checking or savings account","complaint_what_happened":"My name is XXXX XXXX and I opened a bank account with Chime bank on XX/XX/XXXX. I used my account regularly without issue for nearly 1 and years. Then on XX/XX/XXXX, both my checking & savings accounts with a total of {$3500.00} in them were frozen by Chime. I received an email that day from Chime requesting documentation to verify an attempted unemployment deposit from the state of Louisiana. Unfortunately, before I had the chance to send the requested documentation, I was remanded into police custody then subsequently convicted and sentenced to prison time. I was released on XX/XX/XXXX and have since then spent the last 4+ months going in circles with the Chime support staff via email trying to regain access to my money. \n\nBeginning when I was first released, I emailed Chime to explain why I hadnt yet replied with the documentation to verify the unemployment deposits were in fact rightfully meant for me. In my reply I attached a PDF which included the dollar amount of the deposits I received from the state of Louisiana, for verification purposes, as well a transaction number for each payment. I also attached a scanned copy of my department of corrections release sheet to prove that I was in fact incarcerated. When I received a reply from Chime, they were requesting that I provide them with a photograph of my government issued identification as well as a picture of myself holding my identification next to my face. I explained in great detail to the support staff why I did not have an identification card and why it was not possible for me to obtain one. I explained that due to the fact that I had no money, ( because my account was frozen ) to purchase an identification card, and the nearest DMV is over 50 miles from where I live ( without transportation ), I was unable to provide the requested photo of myself holding my ID card. I also let them know that my drivers license has been suspended since XXXX and at this time I have 18 separate outstanding DMV violations/flags that will cost me thousands of dollars to take care of. I was told by the support staff that they understood why I was unable to provide identification, and that in lieu of ID, proof of address along with another form of ID would be acceptable, i.e. birth certificate, social security card or passport. In the next sentence, they repeated their original request for an explanation, and any documents I had verifying the source of the account loads from the state of Louisiana and showing myself as the intended recipient. I didnt understand why they were repeating this request, but I went ahead and resubmitted the documentation anyway along with my most recent utility bill, and a scan of my birth certificate. Chime replied to my submission with an email once again requesting my government issued identification card, although we had already come to an understanding that I was not able to provide it and they had already listed other types of documentation acceptable to verify my identity. They also repeated their original request for an explanation, and any documents I had verifying the source of the account loads from the state of Louisiana and showing myself as the intended recipient. At this point, I began to feel as though I was being strung along and that the support staff had no intention of actually helping me to regain access to the money in my account. This feeling was only bolstered by the fact that no matter how many times I attempted to call their customer support hotline, I was never once able to talk to an actual human being for help. \n\nOn XX/XX/XXXX, I exchanged emails with the support staff in which I requested that an agent please contact me via phone immediately so that I could once and for all figure out why my account was still frozen although I had already given the support staff everything they had requested numerous times over. I received a reply almost immediately stating, XXXX XXXX, After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information please review the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : XXXX : XXXX I was in shock and could not believe what had just happened. I wrote back to Chime and explained that when I attempt to call their member support hotline, I was told by an automated voice that because my account is closed, I would need to contact Chime via email for further assistance. I then repeated my requested for an agent to please contact me via cell phone to further assist me, and let them know that I had no intention of simply allowing them to steal my hard earned money from me. In reply, I received an email stating that a member of the Chime review team would contact me within 2-3 hours. The next email I received from Chime stated, To potentially access any remaining funds, send government ID, secondary ID OR proof of address, an explanation, and any docs you have verifying the source of the account loads and yourself as the intended recipient. I look forward to hearing from you. This left me extremely confused because not only were they again repeating the exact same request for the government identification they knew I did not have and had already agreed was not needed, they also made the exact same requests they had numerous times before regarding the explanation and documentation of the unemployment deposits which I had satisfactorily answered and supplied requested documentation for. But what was even more confusing was the fact that I had just been told in a prior email that I was not eligible for any kind of refund of my money, yet here they were stating that they looked forward to hearing from me in regards to regaining access to my account. \n\nFinally, on XX/XX/XXXX I was able to find transportation to the DMV located over 50 miles from my home and I was able to borrow the money required for my new identification card. On XX/XX/XXXX when I gained access to a computer and internet, I sent an email to Chime member support with the requested government identification as well as a photograph of myself holding the ID next to my face. I made certain that the scans of both the front and back of my ID card were very high resolution and that all 4 corners were visible. I also included the photograph of myself with my ID next to my face. I also resubmitted the scan of my birth certificate as well as my most recent utility bill. I received a reply stating that specialist were reviewing my submissions and would get back to me soon. 8 DAYS PASSED and I still had not heard back from Chime. So I wrote an email to the support staff asking for a progress report and explaining the urgent need I have to regain access to my money so that I may pay necessary living expenses. I received a reply stating, Thank you for reaching out, we have received your documents and explanation. We will provide an update regarding your account status within 2- 3 business days. Please be advised that replying to this email multiple times prior to the time frame provided may cause the review time to be extended. \n\n3 days later I received an email from Chime stating that in order to move forward, I needed to provide my XXXX XXXX form, as well as a tax prep invoice, government issued ID and secondary ID. I replied stating that I do not have a XXXX XXXX form because no such document exists. I do not have a form XXXX from the year XXXX because I did not file taxes for that year. I explained that they are mistaking the {$1400.00} deposit from the government on XX/XX/XXXX as a tax payment, when it is not. It is simply my 3rd Economic Impact Payment that all American citizens received. I explained that I have been unable to access the money in my account for FAR too long, regardless of the fact that I have supplied every single piece of requested documentation ad infinitum. I stated that at this point I believe Chime is intent on stealing my money from me, no matter what. I received a reply stating, We need the information we requested in our previous message to re-secure your account. Your account will remain suspended until we receive this information. I replied once again letting them know no such document exists because the deposit they are referring to is not a tax deposit, it was my 3rd economic impact payment.\n\nIn reply, I received an email stating, To verify your identity and the deposit ( XXXX ) made between on XX/XX/XXXX, reply to this message and attach the following items : Secondary ID. A selfie of you holding an ID document and a piece of paper with your name and today 's date written on it. Written explanation : Tell us the origin of the deposit ( XXXX ) to verify that youre the intended recipient : IRS TREAS XXXX, XXXX for the amount of XXXX. Documentation to support your written explanation such as : Receipts, invoices, pay stubs, work orders, bank statements, receipts for cashed checks, XXXX form, XXXX XXXX Invoice or receipt or IRS acceptance proof. \n\nHere they were, ONCE AGAIN repeating the EXACT SAME requests made countless times as well as a completely new request that had never once before been mentioned in any way. I couldnt help but feel like they were intentionally changing the threshold for verification every time I supply them with the documentation they have requested I give them. I replied with an email stating my outrage at how absurd their new request seemed and my inability to understand why they have continually repeated the same exact request for documentation I have REPEATEDLY supplied them month after month. I then immediately wrote another email in which I supplied every single piece of documentation they had just requested in the last email they sent. I truly believed that because I had so very quickly replied to their email giving them everything they requested, even the sheet of paper with my name and the days date written on it, that they would have no choice but to do the right thing and reinstate my account. \n\nInstead, I received an email stating, To potentially access any remaining funds, please provide : Government-issued photo ID, such as a driver 's license or state ID card ( front and back ). A secondary ID ( i.e., passport or signed Social Security card ) OR proof of address ( i.e., full page of a utility bill dated within the last 60 days ). Written explanation of the origin and intended purpose of the funds deposited in your account. Documentation to support your written explanation such as : Receipts, invoices, pay stubs, work orders, bank statements, receipts for cashed checks, etc. \n\nI came to the immediate realization that this establishment and their support staff are absolutely not operating in good faith. They are intentionally mocking my pleas for help and are intent upon keeping my money. I dont understand why a bank would believe they can get away with stealing a customers money like this, but I am praying the Consumer Financial Protection Bureau will be able to help me to regain access to my accounts so that I can immediately withdraw all funds from this horrific establishment. \n\n\n\nSeparately, I have 2 other disclaimers of information relevant to my account. The first is that when I originally opened my account via the Chime app, I mistakenly entered XXXX as my year of birth because I was speaking to my daughter on the telephone at that exact moment and she asked me what year her mother was born, which is XXXX. I was in fact born on XX/XX/XXXX. I did not realize I had mistakenly entered XXXX until months later when I had to contact Chime support over the phone regarding a charge I didnt recognize. When the customer service agent asked for my date of birth, she was not able to verify it in the system and it took the both of us a couple of minutes to determine what the issue was. At the time, she ensured me that she had in fact corrected my year of birth in their system. However, a few months later when attempting to change my password I was asked for my date of birth and when I entered it, I was told it was incorrect. So I entered XX/XX/XXXX and the verification went thru. Looking back, I should have immediately contacted Chime again to ensure they made the necessary change to my date of birth, but I brushed it off out of laziness thinking it probably wasnt that big of a deal and would probably never be an issue. To clarify, the year of birth discrepancy has never once been mentioned by Chime in our email communications, so it may very well be the case that the customer service agent that was supposed to make the correction simply noted my account explaining the discrepancy and that was satisfactory. \n\nThe second is that when I first opened my account with Chime, I was living in XXXX XXXX. My address was XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. I moved at the end of XX/XX/XXXX to the place I live now located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. When I moved, I emailed the Chime team to inform them of my change in address and I provided them with both my last utility bill for my home in XXXX XXXX as well as my first utility bill for my home in XXXX XXXX. For whatever reason, they have simply never updated the address in their system and still have my XXXX XXXX address listed as my official address. The discrepancy between the address they have listed in their system versus my actual address has not been cited as an issue or brought up in any way by the support staff in our email communications, I just thought it was best to make sure I gave you every single piece of information relevant to my account with Chime. \n\n\n\nI went through all of my communications with Chime and did my best to create a PDF containing all emails exchanged in a chronological order. This was not an easy task, and I was unable to figure out how to get the HIRE - Benefits Plan Profile PDF to be opened and on display in the subject of the email from XX/XX/XXXX at XXXX XXXX. However, I am attaching it to this email along with including each individual PDF and image displayed throughout the long PDF file of email exchanges I put together. Please let me know if there is anything else I can provide. \n\nMy phone number is XXXX. I work during the day, but I get off at XXXX XXXX  every day. I receive so many unwanted spam calls every day that I have stopped answering the phone for unknown numbers altogether. However, if you guys leave a voicemail I will call you right back, or if you can let me know a date and time you would be calling I can make sure to answer your call. \n\nThank you in advance for your time and for your help. I look forward to hearing back from you guys and I very much look forward to the day this nightmare of mine will come to an end. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2022-08-26T20:51:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"705XX","tags":null,"has_narrative":true,"complaint_id":"5919392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2022-08-26T20:30:05.000Z","state":"LA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["This feeling was only bolstered by the fact that no matter how many <em>times</em> I attempted to call their customer support hotline, I was never once able to talk to an <em>actual</em> human being for help. \n\nOn XX/XX/XXXX, I exchanged emails with the support staff in which I requested that an agent please contact me via phone immediately so that I could once and for all figure out why my account was still frozen although I had already given the support staff everything they had requested numerous <em>times</em> over."]},"sort":[8.070165,"5919392"]},{"_index":"complaint-public-v1","_id":"5919419","_score":8.069162,"_source":{"product":"Checking or savings account","complaint_what_happened":"My name is XXXX XXXX and I opened a bank account with Chime bank on XX/XX/XXXX. I used my account regularly without issue for nearly XXXX and years. Then on XX/XX/XXXX, both my checking & savings accounts with a total of {$3500.00} in them were frozen by Chime. I received an email that day from Chime requesting documentation to verify an attempted unemployment deposit from the state of Louisiana. Unfortunately, before I had the chance to send the requested documentation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was released on XX/XX/XXXX and have since then spent the last 4+ months going in circles with the Chime support staff via email trying to regain access to my money. \n\nBeginning when I was first released, I emailed Chime to explain why I hadnt yet replied with the documentation to verify the unemployment deposits were in fact rightfully meant for me. In my reply I attached a PDF which included the dollar amount of the deposits I received from the state of Louisiana, for verification purposes, as well a transaction number for each payment. I also attached a scanned copy of my department of corrections release sheet to prove that I was in fact XXXX. When I received a reply from Chime, they were requesting that I provide them with a photograph of my government issued identification as well as a picture of myself holding my identification next to my face. I explained in great detail to the support staff why I did not have an identification card and why it was not possible for me to obtain one. I explained that due to the fact that I had no money, ( because my account was frozen ) to purchase an identification card, and the nearest DMV is over 50 miles from where I live ( without transportation ), I was unable to provide the requested photo of myself holding my ID card. I also let them know that my drivers license has been suspended since XXXX and at this time I have XXXX separate outstanding DMV violations/flags that will cost me thousands of dollars to take care of. I was told by the support staff that they understood why I was unable to provide identification, and that in lieu of ID, proof of address along with another form of ID would be acceptable, i.e. birth certificate, social security card or passport. In the next sentence, they repeated their original request for an explanation, and any documents I had verifying the source of the account loads from the state of Louisiana and showing myself as the intended recipient. I didnt understand why they were repeating this request, but I went ahead and resubmitted the documentation anyway along with my most recent utility bill, and a scan of my birth certificate. Chime replied to my submission with an email once again requesting my government issued identification card, although we had already come to an understanding that I was not able to provide it and they had already listed other types of documentation acceptable to verify my identity. They also repeated their original request for an explanation, and any documents I had verifying the source of the account loads from the state of Louisiana and showing myself as the intended recipient. At this point, I began to feel as though I was being strung along and that the support staff had no intention of actually helping me to regain access to the money in my account. This feeling was only bolstered by the fact that no matter how many times I attempted to call their customer support hotline, I was never once able to talk to an actual human being for help. \n\nOn XX/XX/XXXX, I exchanged emails with the support staff in which I requested that an agent please contact me via phone immediately so that I could once and for all figure out why my account was still frozen although I had already given the support staff everything they had requested numerous times over. I received a reply almost immediately stating, XXXX XXXX, After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information please review the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : XXXX : //www.chime.comXXXX I was in shock and could not believe what had just happened. I wrote back to Chime and explained that when I attempt to call their member support hotline, I was told by an automated voice that because my account is closed, I would need to contact Chime via email for further assistance. I then repeated my requested for an agent to please contact me via cell phone to further assist me, and let them know that I had no intention of simply allowing them to steal my hard earned money from me. In reply, I received an email stating that a member of the Chime review team would contact me within 2-3 hours. The next email I received from Chime stated, To potentially access any remaining funds, send government ID, secondary ID OR proof of address, an explanation, and any docs you have verifying the source of the account loads and yourself as the intended recipient. I look forward to hearing from you. This left me extremely confused because not only were they again repeating the exact same request for the government identification they knew I did not have and had already agreed was not needed, they also made the exact same requests they had numerous times before regarding the explanation and documentation of the unemployment deposits which I had satisfactorily answered and supplied requested documentation for. But what was even more confusing was the fact that I had just been told in a prior email that I was not eligible for any kind of refund of my money, yet here they were stating that they looked forward to hearing from me in regards to regaining access to my account. \n\nFinally, on XX/XX/XXXX I was able to find transportation to the DMV located over 50 miles from my home and I was able to borrow the money required for my new identification card. On XX/XX/XXXX when I gained access to a computer and internet, I sent an email to Chime member support with the requested government identification as well as a photograph of myself holding the ID next to my face. I made certain that the scans of both the front and back of my ID card were very high resolution and that all 4 corners were visible. I also included the photograph of myself with my ID next to my face. I also resubmitted the scan of my birth certificate as well as my most recent utility bill. I received a reply stating that specialist were reviewing my submissions and would get back to me soon. 8 DAYS PASSED and I still had not heard back from Chime. So I wrote an email to the support staff asking for a progress report and explaining the urgent need I have to regain access to my money so that I may pay necessary living expenses. I received a reply stating, Thank you for reaching out, we have received your documents and explanation. We will provide an update regarding your account status within 2- 3 business days. Please be advised that replying to this email multiple times prior to the time frame provided may cause the review time to be extended. \n\n3 days later I received an email from Chime stating that in order to move forward, I needed to provide my XXXX XXXX form, as well as a tax prep invoice, government issued ID and secondary ID. I replied stating that I do not have a XXXX XXXX form because no such document exists. I do not have a form XXXX from the year XXXX because I did not file taxes for that year. I explained that they are mistaking the {$1400.00} deposit from the government on XX/XX/XXXX as a tax payment, when it is not. It is simply my 3rd Economic Impact Payment that all American citizens received. I explained that I have been unable to access the money in my account for FAR too long, regardless of the fact that I have supplied every single piece of requested documentation ad infinitum. I stated that at this point I believe Chime is intent on stealing my money from me, no matter what. I received a reply stating, We need the information we requested in our previous message to re-secure your account. Your account will remain suspended until we receive this information. I replied once again letting them know no such document exists because the deposit they are referring to is not a tax deposit, it was my 3rd economic impact payment. \n\nIn reply, I received an email stating, To verify your identity and the deposit ( s ) made between on XX/XX/XXXX, reply to this message and attach the following items : Secondary ID. A selfie of you holding an ID document and a piece of paper with your name and today 's date written on it. Written explanation : Tell us the origin of the deposit ( s ) to verify that youre the intended recipient : IRS TREAS 310, TAXEIP3 for the amount of XXXX. Documentation to support your written explanation such as : Receipts, invoices, pay stubs, work orders, bank statements, receipts for cashed checks, 1040 form, Tax Prep Invoice or receipt or IRS acceptance proof. \n\nHere they were, ONCE AGAIN repeating the EXACT SAME requests made countless times as well as a completely new request that had never once before been mentioned in any way. I couldnt help but feel like they were intentionally changing the threshold for verification every time I supply them with the documentation they have requested I give them. I replied with an email stating my outrage at how absurd their new request seemed and my inability to understand why they have continually repeated the same exact request for documentation I have REPEATEDLY supplied them month after month. I then immediately wrote another email in which I supplied every single piece of documentation they had just requested in the last email they sent. I truly believed that because I had so very quickly replied to their email giving them everything they requested, even the sheet of paper with my name and the days date written on it, that they would have no choice but to do the right thing and reinstate my account. \n\nInstead, I received an email stating, To potentially access any remaining funds, please provide : Government-issued photo ID, such as a driver 's license or state ID card ( front and back ). A secondary ID ( i.e., passport or signed Social Security card ) OR proof of address ( i.e., full page of a utility bill dated within the last 60 days ). Written explanation of the origin and intended purpose of the funds deposited in your account. Documentation to support your written explanation such as : Receipts, invoices, pay stubs, work orders, bank statements, receipts for cashed checks, etc. \n\nI came to the immediate realization that this establishment and their support staff are absolutely not operating in good faith. They are intentionally mocking my pleas for help and are intent upon keeping my money. I dont understand why a bank would believe they can get away with stealing a customers money like this, but I am praying the Consumer Financial Protection Bureau will be able to help me to regain access to my accounts so that I can immediately withdraw all funds from this horrific establishment. \n\n\n\nSeparately, I have 2 other disclaimers of information relevant to my account. The first is that when I originally opened my account via the Chime app, I mistakenly entered XXXX as my year of birth because I was speaking to my daughter on the telephone at that exact moment and she asked me what year her mother was born, which is XXXX. I was in fact born on XX/XX/XXXX. I did not realize I had mistakenly entered XXXX until months later when I had to contact Chime support over the phone regarding a charge I didnt recognize. When the customer service agent asked for my date of birth, she was not able to verify it in the system and it took the both of us a couple of minutes to determine what the issue was. At the time, she ensured me that she had in fact corrected my year of birth in their system. However, a few months later when attempting to change my password I was asked for my date of birth and when I entered it, I was told it was incorrect. So I entered XX/XX/XXXX and the verification went thru. Looking back, I should have immediately contacted Chime again to ensure they made the necessary change to my date of birth, but I brushed it off out of laziness thinking it probably wasnt that big of a deal and would probably never be an issue. To clarify, the year of birth discrepancy has never once been mentioned by Chime in our email communications, so it may very well be the case that the customer service agent that was supposed to make the correction simply noted my account explaining the discrepancy and that was satisfactory. \n\nThe second is that when I first opened my account with Chime, I was living in XXXX XXXX. My address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I moved at the end of XX/XX/XXXX to the place I live now located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I moved, I emailed the Chime team to inform them of my change in address and I provided them with both my last utility bill for my home in XXXX XXXX as well as my first utility bill for my home in XXXX XXXX. For whatever reason, they have simply never updated the address in their system and still have my XXXX XXXX address listed as my official address. The discrepancy between the address they have listed in their system versus my actual address has not been cited as an issue or brought up in any way by the support staff in our email communications, I just thought it was best to make sure I gave you every single piece of information relevant to my account with Chime. \n\n\n\nI went through all of my communications with Chime and did my best to create a PDF containing all emails exchanged in a chronological order. This was not an easy task, and I was unable to figure out how to get the XXXX XXXX XXXX XXXX XXXX XXXX  to be opened and on display in the subject of the email from XX/XX/XXXX at XXXX XXXX However, I am attaching it to this email along with including each individual PDF and image displayed throughout the long PDF file of email exchanges I put together. Please let me know if there is anything else I can provide. \n\nMy phone number is XXXX. I work during the day, but I get off at XXXX XXXX  every day. I receive so many unwanted spam calls every day that I have stopped answering the phone for unknown numbers altogether. However, if you guys leave a voicemail I will call you right back, or if you can let me know a date and time you would be calling I can make sure to answer your call. \n\nThank you in advance for your time and for your help. I look forward to hearing back from you guys and I very much look forward to the day this nightmare of mine will come to an end. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2022-08-26T21:02:22.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"705XX","tags":null,"has_narrative":true,"complaint_id":"5919419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2022-08-26T20:53:59.000Z","state":"LA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["This feeling was only bolstered by the fact that no matter how many <em>times</em> I attempted to call their customer support hotline, I was never once able to talk to an <em>actual</em> human being for help. \n\nOn XX/XX/XXXX, I exchanged emails with the support staff in which I requested that an agent please contact me via phone immediately so that I could once and for all figure out why my account was still frozen although I had already given the support staff everything they had requested numerous <em>times</em> over."]},"sort":[8.069162,"5919419"]},{"_index":"complaint-public-v1","_id":"4590889","_score":7.520513,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Compilation of email correspondence with their service team. \nThey are in no chronological order. \n\n\n\nCase # XXXX - Case # XXXX Inbox Coinbase Support XXXX Mon, XX/XX/XXXX, XXXX XXXX  to me Hello, We havent heard back from you regarding this case. \n\nIf you still require assistance, please reply to this message. If you no longer need help, we will automatically resolve your case in 48 hours. \n\nThanks, Coinbase Support ref : XXXX : ref XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX  to Coinbase NO this isn't resolved. \n\nI did everything you have asked for. \n\ncompleted the verification process 3timesto unlock my account initially once set up my account and again this time based on your most recent request. \n\nHow come all the info was good before but now all of a side you think i'm a different person? \n\nPlease Advise when you will be allowing the full use of the features inthe platform. \n\nI need to withdraw and send my money and to this date no help. \n\nI mean it only took me like6 months for you to unlock my account. Should I expect another 6 months for you to allow me to send or withdraw my funds? \n\nTHis is beyond pathetic. \n\nPlease advise an eta on the completion of this issue. \n\nRegards. \n\nDissatisfied customer. \n-- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX  to Coinbase FIX MY ACCOUNT!!! \n\nCase # XXXX - Case # XXXX Inbox Coinbase Support Thu, XX/XX/XXXX, XXXX XXXX  ( 22 hours ago ) Hello, We havent heard back from you regarding this case. If you still require assistance, please reply to this message. If you no longer need help, we will au XXXX  XXXX Thu, XX/XX/XXXX, XXXX XXXX ( 10 hours ago ) Hello Team As of now this issue still has yet to be resolved. AS OF NOW this is still an issue. I have sent images of my passport card, my ID, My drivers licens Coinbase Support XXXX XXXX ( 1 hour ago ) XXXX XXXX, Thank you for bearing with us while we review your case. In order to proceed with the verification, we will kindly ask you to sign in to Coinbase an XXXX  XXXX XXXX XXXX  ( 14 minutes ago ) THIS HAS BEEN DONE AGAIN!!!!!!!! AND AGAIN AND AGAIN!!!!!!!! WHAT IN THE WORLD IS GOING ON WITH YOU PEOPLE!!! I HAVE ALREADY DONE THIS 6 TIMES ONCE LAST NIGHT XXXX XXXX XXXX XXXX  ( 8 minutes ago ) ONCE AGAIN THIS IS DONE FOR THE 7TH TIME RELEASE MY FUNDS!!!! \n\nXXXX  XXXX XXXX XXXX ( 6 minutes ago ) RELEASE MY FUNDS AND ALLOW ME ACCESS TO ALL MY FEATURES IN THE PLATFORM!!! \n\nXXXX  XXXX XXXX XXXX  ( 3 minutes ago ) YOU ARE HAPPY TO INCREASE MY PURCHASE ABILITY BUT NOT ALLOW ME TO SEND MY OWN MONEY OUT!!! YOU ARE BEYOND A JOKE RELEASE MY FUNDS NOW!!!! \n\nA XXXX XXXX XXXX XXXX  ( 0 minutes ago ) to Coinbase FIX MY ACCOUNT ALREADY!!!! \n\nXXXX Reply Forward -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Case # XXXX - Case # XXXX Inbox Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX to me Hello, Thanks for submitting your request to Coinbase Support. We're here to help and will be in touch as soon as possible. \n\nIn the meantime, you can find answers to many of your questions by visiting our Help Center. \n\nRegards, Coinbase Support ref : XXXX : ref XXXX XXXX XXXX XXXX Help Center | User Agreement and Privacy Policy Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX  to me Hello XXXX XXXX, Thank you for contacting Coinbase Support.\n\nYour Coinbase account includes a wallet for each cryptocurrency we support. Only supported cryptocurrencies can be sent to Coinbase and they must be sent to the correct wallets using the supported blockchains, otherwise that crypto may be lost.\n\nIf you sent unsupported cryptocurrency to Coinbase or sent cryptocurrency to a wallet that isnt specifically for that cryptocurrency, we may soon be able to recover your funds. \n\nWe're developing a service to help recover some of these cryptocurrencies, which should roll out later this year. For information about this service, see our help article : https : //help.coinbase.com/en/coinbase/trading-and-funding/sending-or-receiving-cryptocurrency/unsupported-crypto-recovery Before sending crypto to Coinbase, be sure to check if it's supported by visiting our Supported Cryptocurrencies article : https : //help.coinbase.com/en/coinbase/getting-started/crypto-education/supported-cryptocurrencies Thanks, Coinbase Support ref : XXXX : ref XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  to Coinbase So you have answered nothing I still cant send or withdraw any funds from my accounts please answer why I cant send any monies out or withdraw any monies. You seriously think this a joke or what? \n\nBeyond subpar customer service you are offering. \n\nWarmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, Coinbase Support XXXX wrote : Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX  to me Hello XXXX, Thank you for contacting Coinbase Support. \n\nAs part of our compliance program, we are required to periodically review accounts. It looks like your account is currently restricted because your profile is incomplete. \n\nPlease take a moment to complete or update the following : https : //www.coinbase.com/verifications/identity/customer_info Once the form is completed, we'll review the restrictions on your account. Please note that we wont be able to review the restrictions until that information is submitted. \n\nThank you for your time and understanding. \n\nRegards, Coinbase Support ref : XXXX : ref XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  to Coinbase I have filled the link There is nothing for me to complete. Ive gone through all the tabs I already submitted my ID / took pictures confirmed my banking information-several times. \n\nWhat part of my profile is incomplete? \nYou want me to add a picture of me? \n\nAgain your service is garbage give me access to my funds stop sending emails that are generic and dont provide any clarity as of what is needed. Because I already completed everything you ever asked for. As many times you have asked it for. This is ridiculous. \n\nWhy are you withholding my funds. Coin bases is beyond garbage. \n\nLet me withdraw my money in done with your service!!! \n\n\nWarmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, Coinbase Support XXXX wrote : Hello XXXX , Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX to me Hello XXXX, There are a few reasons why your information may not be verified on your first attempt, and we have some tips that might help with the more common issues : 1. Make sure all of your information is spelled correctly and filled in the correct boxes 2. Put your full legal name as it appears on your ID ( if you included a middle name on your first attempt, try omitting it ) 3. If you have recently changed your address or made other recent changes in your identifying information, try to input your previous address or information We recommend you try the verification process several times with the above tips in mind by clicking on this link : https : //www.coinbase.com/verify-identity If you still cant pass this verification step, please let us know. Were happy to help. \n\nThanks, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  to Coinbase Hello Coinbase Team Once again I updated every single piece of information on the account and I still got nothing. How many other hoops do you want me to jump through? \n\nPlease advise when you are going to allow mw to send / Withdraw money from the account. \n\nThank you for your time. \n-- XXXX XXXX XXXX XXXX Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX  to me Hi XXXX, Thank you for contacting Coinbase Support. \n\nIn order to proceed with the verification, we will kindly ask you to sign in to Coinbase and verify your information using a photo ID here : https : //www.coinbase.com/verify-document Please note, your ID must : -Include your name, date of birth, and address. \n-Must be valid. We are unable to accept expired documents, even if the expiration date has been extended beyond the date listed on the ID document. \n-Be government issued. \n\nIf youre having trouble completing verification, please try these troubleshooting tips : https : //help.coinbase.com/en/coinbase/getting-started/authentication-and-verification/identity-verification.html Please let us know once you've completed this, so we can proceed with the manual review. \n\nBest regards, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  to Coinbase I have done this 4 times!!! \nThis is beyond ridiculous. How many more forms of ID do you need to submit? \nOr is the 10th time the charm ... this is beyond frustrating..but you are happy to take more money? Your platform is a joke. It's unbelievable that it took me 6-8months to unloc\nk my account and now it seems like I have to wait another 6-8 months again to have access to my money.\n\nDo you expect me to change information every time I do it?\n\nWhat is this nonsense? Give me access to my accounts.\n\nOr should expect a 6-8 month turnaround or countless emails and countless referencing to case numbers you have failed to solve? \n\nout of all the platforms used. XXXX/Coinbase/XXXX/XXXX  Guess who is the worst one, the one with the worst custservice, the slowest response times. \n\nYou guessed it, IT'S COINBASE!!! \n\nBy far the worse platform of them all Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX  to me Hi XXXX, Thank you for your response.\n\nIn order to complete your identity verification, we will need some more information. Please provide the following documents : 1. A copy of your SSN or ITIN 2. A full copy of a bank statement, electricity/water/internet bill or phone bill that shows your name and current residential address, dated within 30 days. \n\nUpload your documents through our secure SendSafely portal https : XXXX Please use the same email address that you used for this support case. Also, we recommend using a desktop browser ( XXXX XXXX works best ) rather than a mobile browser. Once we receive your documents, we'll review them and get back to you. \n\nRegards, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  to XXXX, Coinbase The documents requested have been submitted. \n\nI see what may be causing confusion. This Ticket Was created using my other email address instead of the one in the account. \nI have CC 'd myself on the email to have the thread on both accounts. \n\nI look forward to hearing back from you soon. \n\n\nXXXX Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX to me Hi XXXX, Thank you for uploading the information.\n\nIn order to proceed with the verification, we will kindly ask you to sign in to Coinbase and verify your information using a photo ID here : https : //www.coinbase.com/verify-document Please note, your ID must : -Include your name, date of birth, and address. \n-Must be valid. We are unable to accept expired documents, even if the expiration date has been extended beyond the date listed on the ID document. \n-Be government issued. \n\nIf youre having trouble completing verification, please try these troubleshooting tips : https : //help.coinbase.com/en/coinbase/getting-started/authentication-and-verification/identity-verification.html Please let us know once you've completed this, so we can proceed with the manual review. \n\nBest regards, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  to Coinbase Wit what!?!!! \n\nAgain dude Ive done this way too many times Ive sent you bills Ive sent you images of 3 forms of ID / sate and federal. \n\nIve done this way too many times why in the world you still asking me to submit if one more time my ID is not going to change. \n\nWhats the purpose of this?!?! This is beyond annoying unnecessary and a display off poor customer service I will simply do this because Im tired of sending you emails requesting for you to release my funds. \n\nTired of your platform, tired of the lo g wait to get any help tired of your poor customer experitired of your lack of sense of urgency tired of you @ coinbase. \n\nI wish I would have never opened and put most of my money with you. I wish I could have not decided to use your platform. \n\nGet ready for the worse review in history across all your platforms android and apple. \n\nI will make it my purpose to post as much as I can letting people know how much of a scam you are I understand prospecting ppl privacy. I work in a bank always have all my life. But what you do is beyond anything.\n\nI will drive all the ppl o know to drop your platform and go to any of the other ones available. \n\nRELEASE MY ACCOUNTS NOW!!!! \n\nThis process has already been done tooo many times!!! \n\n\n\nWarmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, Coinbase Support XXXX wrote : Hi XXXX , Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX to me Hi XXXX, Thank you for your response and we appreciate your patience while reviewing your case. \n\nIn order to proceed with the verification, we will kindly ask you to sign in to Coinbase and verify your information using a photo ID here : https : //www.coinbase.com/verify-document XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  to Coinbase FIX MY ACCOUNT!!!!! \n\nCase # XXXX - Case # XXXX Inbox Coinbase Support Thu, XX/XX/XXXX, XXXX XXXX  ( 22 hours ago ) Hello, We havent heard back from you regarding this case. If you still require assistance, please reply to this message. If you no longer need help, we will au XXXX  XXXX Thu, XX/XX/XXXX, XXXX XXXX  ( 10 hours ago ) Hello Team As of now this issue still has yet to be resolved. AS OF NOW this is still an issue. I have sent images of my passport card, my ID, My drivers licens Coinbase Support XXXX XXXX  ( 1 hour ago ) Hi XXXX, Thank you for bearing with us while we review your case. In order to proceed with the verification, we will kindly ask you to sign in to Coinbase an XXXX  XXXX XXXX XXXX  ( 14 minutes ago ) THIS HAS BEEN DONE AGAIN!!!!!!!! AND AGAIN AND AGAIN!!!!!!!! WHAT IN THE WORLD IS GOING ON WITH YOU PEOPLE!!! I HAVE ALREADY DONE THIS 6 TIMES ONCE LAST NIGHT XXXX  XXXX XXXX XXXX ( 8 minutes ago ) ONCE AGAIN THIS IS DONE FOR THE 7TH TIME RELEASE MY FUNDS!!!! \n\nA XXXX XXXX AM ( XXXX minutes ago ) RELEASE MY FUNDS AND ALLOW ME ACCESS TO ALL MY FEATURES IN THE PLATFORM!!! \n\nXXXX  XXXX XXXX XXXX  ( 3 minutes ago ) YOU ARE HAPPY TO INCREASE MY PURCHASE ABILITY BUT NOT ALLOW ME TO SEND MY OWN MONEY OUT!!! YOU ARE BEYOND A JOKE RELEASE MY FUNDS NOW!!!! \n\nXXXX  XXXX XXXX XXXX XXXX  ( 0 minutes ago ) to Coinbase FIX MY ACCOUNT ALREADY!!!! \n\nXXXX Reply Forward -- Regards. \n\nXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  to Coinbase HAVE YOU FIXED MY ACCOUNT FEATURES ALREADY? \n\nNEXT STEP A CFPB COMPLAINT YOU HAVE 24 HRS TO FIX MY ACCOUNT FEATURES BEFORE I SUBMIT MY COMPLAINT ALONG WITH ALL THE EMAIL INTERACTIONS WITH YOUR TEAM THIS IS BEYOND RIDICULOUS. \n\nFIX MY ACCOUNT FEATURES NOW AND ALLOW ME TO WITHDRAW MY MONEY!!! \n\n\nWarmest Regards Warmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX  XXXX XXXX wrote : FIX MY ACCOUNT!!!!! \n\n\nFIX MY ACCOUNT ALREADY!!!! \n\nXXXX Reply Forward Coinbase Support Thu, XX/XX/XXXX , XXXX XXXX to me Hi XXXX, XXXXhank you for using Coinbase and your patience while reviewing your case.\n\nIt appears you may be operating multiple Coinbase accounts ( XXXX ). For security purposes, we only permit the use of one account per person/business.\n\nTo continue using Coinbase, you'll need to close any \" extra '' accounts you've created. For user security and privacy, this must be done by the account owner. \n\nIn order to complete this process, login to the account you want to close and visit your \" Activity '' page : https : //www.coinbase.com/settings/account_activity. Scroll to the bottom of the page and use the \" Close Account '' button ( accounts must have a XXXX balance before they can be closed ). For additional assistance with the account closure process, please see : https : XXXX If you are unable to access your duplicate accounts and wish for help with the deletion, please reply back confirming the full email address of the account XXXX XXXX ) you wish us to delete on your behalf and authorise us to do so. \n\nThank you for your cooperation and understanding. \n\nRespectfully, XXXX  XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to Coinbase Why do I still have no access to my accounts You need to fix this ASAP What is your problem!!! \n\nWarmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX  XXXX XXXX wrote : Wit what!?!!! \n\n\nXXXX  XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to Coinbase What the XXXX!!!! \n\nOperating multiple account!?! You are insane I only have one show me proof I have multiple accounts!!!! \n\nYou people are simply not wanting to allow me access to my fund I told you one I used the incorrect email to send you the ticket because my page was defaulted to that email. \n\nThis is beyond annoying beyond stressful Your company is a freaking joke release my funds This was my last straw with yall Im making a CFPB complaint on you I dont manage multiple accounts I only have o e just one!!!!\n\nYou bunch of thiefs and liars show me where I have multiple accounts you thief 's I live paycheck to paycheck how the XXXX can I afford multiple accounts you people are beyond frustrating Warmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX  XXXX XXXX wrote : Why do I still have no access to my accounts XXXX  XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  to Coinbase What the XXXX!!!! \n\nOperating multiple account!?! You are insane I only have one show me proof I have multiple accounts!!!!\n\nYou people are simply not wanting to allow me access to my fund I told you one I used the incorrect email to send you the ticket because my page was defaulted to that email. \n\nThis is beyond annoying beyond stressful Your company is a freaking joke release my funds This was my last straw with yall Im making a CFPB complaint on you I dont manage multiple accounts I only have o e just one!!!!\n\nYou bunch of thiefs and liars show me where I have multiple accounts you thief 's I live paycheck to paycheck how the XXXX can I afford multiple accounts you people are beyond frustrating Warmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX  XXXX XXXX wrote : Wit what!?!!! \n\n\nXXXX  XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to Coinbase What the XXXX!!!! \n\nOperating multiple account!?! You are insane I only have one show me proof I have multiple accounts!!!!\n\nYou people are simply not wanting to allow me access to my fund I told you one I used the incorrect email to send you the ticket because my page was defaulted to that email.\n\nThis is beyond annoying beyond stressful Your company is a freaking joke release my funds This was my last straw with yall Im making a CFPB complaint on you I dont manage multiple accounts I only have o e just one!!!! \nYou bunch of thiefs and liars show me where I have multiple accounts you thief 's I live paycheck to paycheck how the XXXX can I afford multiple accounts you people are beyond frustrating Warmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX  XXXX XXXX wrote : Wit what!?!!! \n\n\nA XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to Coinbase i dont have multiple accounts. \n\nI only use the XXXX Only have that account. \n\nWhat are you guys talking about? multiple accounts What am I supposed to be looking at? \n\nI am making a CFPB complaint and will copy and paste all the emails i sent o you to fix my account and you still l can not fix it image.png XXXX  XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to Coinbase IF ANY FUNDS IN THE ACCOUNT LINKED TO XXXX TRANSFER TO XXXX ASSOCIATED TO XXXX THANK YOU PLEASE ADVISE WHAT'S NEXT XXXX A XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  to Coinbase AFTER IF ANY FUNDS TRANSFERRED TO XXXX XXXX ACCOUNT. \n\nI AUTHORIZE TO CLOSE THE ACCOUNT ASSOCIATED WITH XXXX ONLY AFTER ANY FUNDS IN SAID ACCOUNT HAVE BEEN TRANSFERRED TO THE ABOVE MENTIONED ACCOUNT. ASI AM CURRENTLY VERIFYING THE ACCOUNT INFORMATION IN THAT END ALSO. \n\n\nA XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to Coinbase Im ongoing the recovery process of the other account associated with XXXX I did not remember I had this account apologies I see the confusion now thank you for helping out Warmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, Coinbase Support XXXX wrote : Hi XXXX, XXXX  XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX  to Coinbase I have closed the account associated to XXXX XXXX  XXXX XXXX Please resume all the features in my actual account XXXX Please advice on eta Warmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX XXXX XXXX wrote : Why do I still have no access to my accounts A XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX  to Coinbase Whats going in with my case I still have no access to my funds Please provide an eta in the resolution for the same or do I really need to get the CFPB involved If no reply by end of week I will report you. \n\nThank you for your help Warmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX  XXXX XXXX wrote : Wit what!?!!! \n\n\nXXXX  XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX  ( 10 days ago ) to Coinbase Hey whats going on with this We closed the other account weeks ago. \n\nWhy is my account t still have a hold on my features on it. \n\nWhats your problem. \n\nToday is the day I file the CFPB complaint. Ive had it with you Dragging your feet to fix my account Ive been more than liniment Provided you more than reasonable time. \n\nYou are the worse. \n\nI will blast all of this in social media. \n\nGive me an eta on resolution to my case. \n\nWarmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX  XXXX XXXX wrote : Wit what!?!!! \n\n\nXXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( 10 days ago ) to Coinbase Hey whats going on with this We closed the other account weeks ago. \n\nWhy is my account t still have a hold on my features on it. \n\nWhats your problem. \n\nToday is the day I file the CFPB complaint. Ive had it with you Dragging your feet to fix my account Ive been more than liniment Provided you more than reasonable time. \n\nYou are the worse. \n\nI will blast all of this in social media. \n\nGive me an eta on resolution to my case. \n\nWarmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX XXXX XXXX wrote : Wit what!?!!! \n\n\n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Coinbase Support : Please verify your email Inbox XXXX Thu, XX/XX/XXXX, XXXX XXXX  to me Verification code : XXXX Please enter the one time code above into the 6 digit verification field found in the support form, in order to complete your ticket submission. Once you submit the correct code, your ticket will be sent to a member of the Coinbase Support team. \n\nWe look forward to assisting you. \n\nRegards, Coinbase Support XXXX Coinbase www.coinbase.com | Help Center | User Agreement and Privacy Policy XXXX  XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX  to Coinbase FIX MY ACCOUNT!!!! \n\nCase # XXXX - Case # XXXX Inbox Coinbase Support Thu, XX/XX/XXXX, XXXX XXXX  ( 22 hours ago ) Hello, We havent heard back from you regarding this case. If you still require assistance, please reply to this message. If you no longer need help, we will au XXXX  XXXX Thu, XX/XX/XXXX, XXXX XXXX  ( 10 hours ago ) Hello Team As of now this issue still has yet to be resolved. AS OF NOW this is still an issue. I have sent images of my passport card, my ID, My drivers licens Coinbase Support XXXX XXXX ( 1 hour ago ) Hi XXXX, Thank you for bearing with us while we review your case. In order to proceed with the verification, we will kindly ask you to sign in to Coinbase an XXXX  XXXX XXXX XXXX  ( 14 minutes ago ) THIS HAS BEEN DONE AGAIN!!!!!!!! AND AGAIN AND AGAIN!!!!!!!! WHAT IN THE WORLD IS GOING ON WITH YOU PEOPLE!!! I HAVE ALREADY DONE THIS 6 TIMES ONCE LAST NIGHT XXXX  XXXX XXXX XXXX  ( 8 minutes ago ) ONCE AGAIN THIS IS DONE FOR THE 7TH TIME RELEASE MY FUNDS!!!! \n\nXXXX  XXXX XXXX XXXX  ( 6 minutes ago ) RELEASE MY FUNDS AND ALLOW ME ACCESS TO ALL MY FEATURES IN THE PLATFORM!!! \n\nXXXX   XXXX XXXX XXXX  ( 3 minutes ago ) YOU ARE HAPPY TO INCREASE MY PURCHASE ABILITY BUT NOT ALLOW ME TO SEND MY OWN MONEY OUT!!! YOU ARE BEYOND A JOKE RELEASE MY FUNDS NOW!!!! \n\nXXXX  XXXX XXXX XXXX XXXX  ( 0 minutes ago ) to Coinbase FIX MY ACCOUNT ALREADY!!!! \n\nimage.png Reply Forward -- Regards. \n\nXXXX XXXX XXXX XXXX  XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX  to Coinbase -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Case # XXXX - Case # XXXX Inbox Coinbase Support XXXX Thu, XX/XX/XXXX, XXXX XXXX to me Hello, We havent heard back from you regarding this case. \n\nIf you still require assistance, please reply to this message. If you no longer need help, we will automatically resolve your case in 48 hours. \n\nThanks, Coinbase Support ref : XXXX : ref XXXX  XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  to Coinbase Hello Team As of now this issue still has yet to be resolved. \n\nAS OF NOW this is still an issue. \n\nI have sent images of my passport card, my ID, My drivers license, and my SSN card. \n\nI HAVE PROVED MY IDENTITY OVER AND OVER AGAIN TO PROVE BEYOND ANY REASONABLE DOUBT THAT I AM WHO I SAY I AM. \n\nPlease let me know what when you plan to allow me access to my funds as soon as possible. \n\nThank you for your help. \n\n-- XXXX XXXX XXXX XXXX Coinbase Support XXXX Fri, XX/XX/XXXX, XXXX XXXX  to me Hi XXXX, Thank you for bearing with us while we review your case. \n\nIn order to proceed with the verification, we will kindly ask you to sign in to Coinbase and verify your information using a photo ID here : https : //www.coinbase.com/verify-document Please note, your ID must : -Include your name, date of birth, and address. \n-Must be valid. We are unable to accept expired documents, even if the expiration date has been extended beyond the date listed on the ID document. \n-Be government issued. \n\nIf youre having trouble completing verification, please try these troubleshooting tips : https : //help.coinbase.com/en/coinbase/getting-started/authentication-and-verification/identity-verification.html Please let us know once you've completed this, so we can proceed with the manual review. \n\nBest regards, Coinbase Support ref : XXXX : ref XXXX  XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX  to Coinbase THIS HAS BEEN DONE AGAIN!!!!!!!! AND AGAIN AND AGAIN!!!!!!!! \n\nWHAT IN THE WORLD IS GOING ON WITH YOU PEOPLE!!! \n\nI HAVE ALREADY DONE THIS 6 TIMES ONCE LAST NIGHT AND DEFINETLYONCE IN THE LAST WEEK OR SO. \n\nMY ID WILL NOT CHANGE MY FACE WILL NOT CHAGE THE DATES AND DATA IN MYIDENTIFICATIONS WILL NOT CHANGE. \n\nTHIS IS BEYOND RIDICOULOUS. \n\nCOINBASE YOU ARE BY FAR THE WORSE CRYPTO CURRENCY PLATFORM EVER. \n\nTHIS ISNOT MY FIRST TIME HAVING ISSUES WITH YOU. IT TOOK ME ALMOST 6 MONTHS TO GAIN ACCESS TO MY OWN ACCOUNT AFTER I HAD CHANGED PHONE NUBERS. \n\nI AM COMPLETLY AND UTTERLY BAFFALED ABOUT THE POOR QUALITY OF SERVICE YOU PROVIDE. \n\nYOU CONTINUE TO SAY FOR PRIVACY REASONS. YOU CONTINUE TO APOLOGIZE.STOP IT!!!!! \n\nDO YOUR XXXX JOB AND RELEASEMY ACCOUNT HOLD!!!! \n\nI HAVE PROOVED MY SELF OVER AND OVER AGAIN!!!! \n\nANY FINANCIAL INSTITUTION WOULD HAVE TAKEN MY INFORMATIONAND LIFTED ANY HOLDS. \n\nWHAT ISYOUR PROBLEM!!!! \n\nYOUR REQUESTS ARE FARBEYOND ANYTHING IN THE DOTFRANK ACT PATRIOSTS ACT ORANY ACT THAT REUQIRES PROOF OF IDENTITY AGAINSMONEY LAUDER. \n\nI KNOW THISBECASUE IVE WORKEDINA XXXX YEARS IN DIFERENT LEVELS. \n\n\nCase # XXXX - Case # XXXX Inbox Coinbase Support Thu, XX/XX/XXXX, XXXX XXXX  Hello, Thanks for submitting your request to Coinbase Support. We're here to help and will be in touch as soon as possible. In the meantime, you can find answer Coinbase Support Thu, XX/XX/XXXX, XXXX AM Hello XXXX XXXX, Thank you for contacting Coinbase Support. Your Coinbase account includes a wallet for each cryptocurrency we support. Only supported cry XXXX  XXXX Thu, XX/XX/XXXX, XXXX XXXX  So you have answered nothing I still cant send or withdraw any funds from my accounts please answer why I cant send any monies out or withdraw any monies. You Coinbase Support Thu, XX/XX/XXXX, XXXX XXXX  Hello XXXX, As part of our compliance program, we are required to periodically review accounts. It looks like your account is currently restricted because yo XXXX  XXXX Thu, XX/XX/XXXX, XXXX XXXX  I have filled the link There is nothing for me to complete. Ive gone through all the tabs I already submitted my ID / took pictures confirmed my banking inform Coinbase Support Thu, XX/XX/XXXX, XXXX XXXX  Hello XXXX, There are a few reasons why your information may not be verified on your first attempt, and we have some tips that might help with the more commo XXXX  XXXX Thu, XX/XX/XXXX, XXXX XXXX  Hello Coinbase Team Once again I updated every single piece of information on the account and I still got nothing. How many other hoops do you want me to jump t Coinbase Support Fri, XX/XX/XXXX, XXXX XXXX  Hi XXXX, In order to proceed with the verification, we will kindly ask you to sign in to Coinbase and verify your information using a photo ID here : https : XXXX XXXX  XXXX Tue, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) I have done this 4 times!!! This is beyond ridiculous. How many more forms of ID do you need to submit? Or is the 10th time the charm ... this is beyond frustr Coinbase Support Wed, XX/XX/XXXX, XXXX XXXX  ( 9 days ago ) Hi XXXX, Thank you for your response. In order to complete your identity verification, we will need some more information. Please provide the following docum XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-07-31T06:39:36.000Z","issue":"Other service problem","sub_product":"Virtual currency","zip_code":"90059","tags":"Servicemember","has_narrative":true,"complaint_id":"4590889","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2021-07-31T06:19:05.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Give me an eta on <em>resolution</em> to my case. \n\nWarmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX XXXX XXXX wrote : Wit what!?!!!"]},"sort":[7.520513,"4590889"]},{"_index":"complaint-public-v1","_id":"8460030","_score":5.799001,"_source":{"product":"Credit card","complaint_what_happened":"Monday, XX/XX/XXXX I received an automated phone call presumably from Wells Fargo Fraud from XXXX that there was suspected fraudulent activity on my Wells Fargo debit card. I said to the automated call to decline the purchase, and a callback number to call at XXXX. I spoke with the person who identified himself as XXXX XXXX who gave me his direct number in case we got disconnected. We spoke about the transactions, and the call dropped during the course of the conversation. \n\nI received a text message from ( XXXX ) XXXX stating This is XXXX XXXX  call me back at this number. I was assured that my card had been deactivated and could follow up within 48 hours. When I called the number back on Wednesday to follow up, there was no answer at the number. A screenshot of the text was made The 2 transactions in question were both made online to XXXX XXXX, both in the exact same amount of {$2200.00} through their online services. Wells Fargo told me to try and contact the merchant, which I did. XXXX XXXX told me that they could not give me any information on the transactions without filing a police report and having the transactions subpoenaed. \n\n\n\nWednesday, XX/XX/XXXX I called Wells Fargo customer service where I was transferred through numerous departments until I finally found someone to speak with. The person I spoke with said the information was not from Wells Fargo, including the name XXXX XXXX, and they opened claim number XXXX for fraudulent activity. The card was immediately deactivated and I was told to destroy the card. The card was put through a cross cut shredder, and then thrown in the home trash bag. I live in a rural area where we have no trash service, and all our trash is burned in a burn barrel. \n\nI was told that when the two transactions were made, the card number had been entered multiple times incorrectly before it went through. It was not a chip read, swipe, or tap and pay for the transactions which showed on my account detail that Card # entered by Customer/Merchant . \n\nThe transaction dispute should be resolved within 10 days. \n\nXX/XX/XXXX Ive not heard anything from Wells Fargo. I called Customer Service ( XXXX ) for an update, and was told that the claim had been declined and should file a police report. Visa had approved the charges via ACH and that was all Wells Fargo could do as it was verified by Visa. \n\nXX/XX/XXXX A report was made ( report # XXXX ) with the XXXX XXXX Sheriffs Office. The information was taken by Deputy XXXX XXXX who came to my residence for the report. He told me the report would be available for pickup the next day. \n\nXX/XX/XXXX I picked up the police report and went to my local Wells Fargo branch at XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX and went through the details. I gave him the police report. He copied it and several other pieces of documentation and sent it to the Fraud Department. He made a number of phone calls with different people and told them that I had been verified via my drivers license, and also by PIN number on my new card that I had received in the mail. Upon leaving, XXXX XXXX gave me his business card to speak to him about any issues. \n\nMonday, XX/XX/XXXX Ive not heard anything from Wells Fargo, so I called my local Wells Fargo branch at ( XXXX ) XXXX to speak with XXXX XXXX. The banks phone number led me through a number of IVR choices where no one ever answered the call. The call rolled over to Wells Fargo Customer Service. I tried a number of times, but the same thing happened. I finally talked with the main Customer Service and explained the issue, and went through a number of people, but the final decision was made that the claim had been declined and there was nothing further that could be done. \n\nTuesday, XX/XX/XXXX I went to my local XXXX XXXX store and spoke with the store manager and explained the situation. He looked at the police report and began a search for the transactions. He said that he needed the card number that the charges had been made on ( the card that was destroyed ). I did not have the card number since it had been destroyed. He said with the card number, he could look the transactions, and determine if the purchase had been delivered to a XXXX XXXX location or to an address. He also stated that since it was charged twice for the same amount, it was possible that since the card number had been entered a number of times, their online system could have processed it twice. \n\nWednesday, XX/XX/XXXX I received a letter from Wells Fargo Claims Assistance Center dated XX/XX/XXXX. It stated that their research concluded that the purchase was authorized and that a processing error did not occur. Please consider the claim closed. \n\nMonday. XX/XX/XXXX I went to my local Wells Fargo branch and spoke with the branch manager, XXXX XXXX. I had to go through the entire situation with him, bringing to him all the evidence that I have collected to date. I managed to get my stolen debit card number from him. He made several phone calls, and one person he spoke to told him to look up information in their XXXX (? ) system, but he could not access it. Eventually he finally came back to me saying this was all he could do. He was just a middle man. Somewhere on one of the calls, he asked if I could file an appeal to the decision. A complaint with the Wells Fargo decision was about the only next step. I am supposed to receive a complaint notification from Wells Fargo about the entire investigation both by mail and email. \n\nI visited my local XXXX XXXX store once again, and explained the information to them with the updated information I had gotten from the bank. They were not able to look up the information based on my phone number or email address. They suggested that I call their online fraud center. I called and spoke with them, and they could not find out anything about the fraudulent transactions and said that any further investigation should have been done by Wells Fargo. I can not access the information from XXXX XXXX without a subpoena from the court. Wells Fargo refuses to do anything more. \n\nAny documents including the subpoena or anything else should be sent to : XXXX XXXX Legal Dept. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the XXXX XXXX Sheriffs Department about the report I had been given to see if there was anything more that I could do with them. The lady I spoke with said my next step should be to contact the XXXX XXXX Courthouse at XXXX. When I called and explained the situation, I was told I could file with them on a Small Claims for {$170.00}. Interestingly enough, the woman I spoke with said she had been a banker and what Wells Fargo told me that they had done all they could, she said No. They have more avenues they could pursue. If they had not contacted the merchant and gone through all the steps that I had already gone through, they havent done their job. \n\nSaturday, XX/XX/XXXX I received a letter in the mail from Wells Fargo Enterprise Complaints Management Office dated and postmarked XX/XX/XXXX. The subject was We received your concerns, and have a Wells Fargo Case Number : .It basically says they will do more research and should have a response within 10 days or if they need more time to research, they would contact me. The contact number provided is XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nEnterprise Complaints Management Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX Saturday, XX/XX/XXXX I received a secure email from XXXX. I called Wells Fargo Customer Service to verify that it was indeed sent by Wells Fargo and not a scam. They verified it as legitimate. Their investigation stood by their initial claim as denied and have closed the case. \n\nThe contact information provided was : XXXX Monday Friday XXXX to XXXX XXXX. \n\nIt was signed by : XXXX XXXX Escalations Representative Enterprise Complaints Management Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tuesday, XX/XX/XXXX Called the Wells Fargo claims number. \n\nDid you contact XXXX XXXX? Answer : No. \n\nWhy did the charge of {$2200.00} that was made twice on the same day from the same merchant not trigger a red flag? Answer : A call was made to my phone with an authorization code to approve the transactions. I never received such a call. \n\nThe claim is still denied. They did nothing further than what was originally done by Wells Fargo in their original decision to deny the claim. \n\n\nFriday, XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX, stating that Wells Fargo stands by its claim that there was no bank or merchant error. How could they know anything about the merchant without the subpoena to know about the actual transactions? \n\nI talked with several lawyers and was referred me to XXXX XXXX by a lawyer at phone number XXXX to help find the correct lawyer to represent me for the situation. The first Tuesday of each month they will give legal advice on a case. \n\nSaturday, XX/XX/XXXX I called XXXX XXXX and spoke with them about Wells Fargos decision on the claim. Wells Fargo stated that they had been in touch with the merchant ( XXXX XXXX ) and determined there was no fraud. XXXX XXXX told me that even if Wells Fargo had contacted them about the transactions, they too, like me, would have to have had a subpoena before they could disclose any information. I do not believe Wells Fargo has done their due diligence in trying to get this matter resolved. \n\n\nTuesday, XX/XX/XXXX Called Wells Fargo Share your feedback number at XXXX because Your feedback matters in hopes that someone would actually read the whole case and see if they will take care of their customers the way their website says it does. Understandably, the lady did not have access to all the information, and would submit my complaint again to have someone review it. \n\nThe complaint number is # XXXX No written correspondence will be available. Someone from Wells Fargo might review it again and let me know their findings. She told me that if I filed a lawsuit, it would have to be against XXXX XXXX. That makes no sense in the fact that if I did not have the funds available in my bank account, the transactions would have been declined automatically by XXXX XXXX. \n\nSomebody somewhere is not doing their job. \n\nThursday XX/XX/XXXX I received an email from Wells Fargo Enterprise Complaints Management Office again regarding case # XXXX that they will take a look at the missing funds within 10 days. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Phone number is XXXX Tuesday, XX/XX/XXXX Spoke with an attorney at the XXXX XXXX XXXX ( XXXX ) XXXX This is a Breach of Depositor Agreement Can sue for court costs, attorneys fees, punitive damages Called Wells Fargo Complaints Management office XXXX Resolution should be by XX/XX/XXXX or earlier Updated case # XXXX Associated with case # XXXX Thursday. XX/XX/XXXX I received a text and email from my XXXX Visa credit card about a suspicious transaction and they had declined it for {$590.00}. I called them at their customer service number and we determined it was fraudulent. The card was immediately deactivated and a new one is on the way. Why could Wells Fargo not be suspicious of 2 amounts of the same amount to the same merchant on the same day? Both incidents were on XXXX.\n\nI also researched debit card information on account liability. I found a PDF document and downloaded it from the website XXXX XXXX XXXX //www.wellsfargo.comXXXX XXXX XXXX XXXX. The file name was fetch.pdf On page 16 of the document, it begins talking about Zero Liability Protection. Page 21 shows the limits of fees based on reporting activity of the transactions. \n\n\n\nMonday, XX/XX/XXXX Called Wells Fargo Complaints Management office XXXX Informed them of the Zero Liability Protection clause. \n\nWednesday, XX/XX/XXXX Received an email from Wells Fargo denying the claim again. \nTuesday, XX/XX/XXXX Spoke with the XXXX XXXX again about what type of attorney I need. It is a Contract attorney. There is also a XXXX XXXX at XXXX XXXX that can give a referral. If not, contact the XXXX XXXX and speak to a XXXX attorney who may be able to recommend someone in XXXX. \n\nThe issue may be resolved by simply sending them a letter.","date_sent_to_company":"2024-03-01T17:03:32.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"38002","tags":"Older American","has_narrative":true,"complaint_id":"8460030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-03-01T16:48:30.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["He made a number of phone calls with different people and told them that I had been verified via my <em>drivers</em> <em>license</em>, and also by PIN number on my new card that I had received in the mail. Upon leaving, XXXX XXXX gave me his business card to speak to him about any issues. \n\nMonday, XX/XX/XXXX Ive not heard anything from Wells Fargo, so I called my local Wells Fargo branch at ( XXXX ) XXXX to speak with XXXX XXXX."]},"sort":[5.799001,"8460030"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":9,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":9}]}},"product":{"doc_count":9,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Savings account","doc_count":2},{"key":"Checking account","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2}]}},{"key":"Credit 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