{"took":165,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":147,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9089254","_score":20.762533,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2024 I try to paid a transaction for {$520.00}, thru a pin pad machine when I put the pin the system give a error that said exceeded the ATM amount daily, and that day I didnt use my card, and I try again to paid the transaction for the same amount {$520.00}. And received the same error, I coul to my bank to ask what happened mith my card and the lady told me that the XXXX XXXX  present some systms errors and they being working to fix the problem so I can try later. But when I check my account I saw the two transactions pending and when the merchant close the batch this last two transactions didnt appeared. The next day I saw the transactions was being debit from my account and the merchant dont have that credit for this two transactions. And I called my bank and they dont want to give the credit for the two transaction, just only for one and said the problem is for the two transcations because the merchant didnt have the credit, finally the open a claim and give me a temporary credit for the two transactions and I called the processing company to ask more information for this situation and they explain if the transaction didnt give an approved code the transaction didnt go thru and that was the case the machine never give an approved code only show the errors that exceeded the atm amount daily and the same proof of the report that didnt show aproved code. And the merchant never received that credit for this amount until this dated, on XX/XX/XXXX When I checked my account I noticed my bank made the debit for the transactions and I called the claim Department they told me they closed the claim because the transaction going thru correctly because the merchant response to the his investigated department they received the funds and i requested approved of this confirmation to show that to the merchant but they only send me the same letter that was sent to me since the first day a filed the claim. And I called againg to ask for this proved and they told me this claim department dont have this information the only department have the exactly information it is the investigate or financial department, but it is complicated that I have access with this department. I have an open cause with the merchant to see what finallet happened but already passed 10 business day and I dont received any news.","date_sent_to_company":"2024-05-24T22:39:04.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"9089254","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-05-24T21:50:32.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["And I called my bank and they dont <em>want</em> to <em>give</em> the credit for the two transaction, just <em>only</em> for one and said the problem is for the two transcations because the <em>merchant</em> didnt have the credit, finally the open a claim and <em>give</em> me a temporary credit for the two transactions and I called the processing company to ask more information for this situation and they explain if the transaction didnt <em>give</em> an approved code the transaction didnt go thru and that was the case the machine never <em>give</em> an approved"]},"sort":[20.762533,"9089254"]},{"_index":"complaint-public-v1","_id":"7955828","_score":18.352964,"_source":{"product":"Credit card","complaint_what_happened":"I purchased a bunch of tickets from XXXX XXXX using my Amex platinum card for friends of mine I decided to treat. \nThe airline cancelled my tickets out of the blue as they claim since I used same credit card for different passengers it must be Im re selling the tickets, which is totally not true and ridiculous to claim! \n\nHence I paid close to {$10000.00} in XXXX for a product, the product in this case airline tickets. The airline refuses to give my money back and has only gave back the taxes. They claim the ticket was non refundable. \n\nThe crazy part is I did not refund the ticket! Rather I paid for a product I didnt receive! In essence I was XXXX  in broad XXXX  of close to {$10000.00}. They took my money and didnt give me the product!!! \n\nAmerican Express doesnt even read the response from the merchant and keeps closing the dispute. First the merchant sent the wrong section of their terms and conditions. But Amex didnt even have the decency to read through them, rather when the powerful merchant responded they closed the case on their weak consumer! I had to tell them they didnt even read the response. \n\nFurther Amex is not helping me as they claim a merchant can put anything they want in their terms and conditions even if illegal and down right stealing! \n\nEssentially Amex only helps in disputes if the merchant agrees it was an error and they dont really care about their clients! \n\nI have begged for a live person to review this case. I even sent a letter to their headquarters with no avail! \n\nFor a company that prides it self on service and that charges a pretty XXXX for it, example my card costs me {$590.00} a year this is an embarrassment! I cant get anyone competent on the phone and this XXXX  misjustice and straight out fraud is not something they care about much!","date_sent_to_company":"2023-12-06T13:47:46.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"07055","tags":null,"has_narrative":true,"complaint_id":"7955828","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-12-06T13:34:45.000Z","state":"NJ","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["But Amex didnt even have the decency to read through them, rather when the powerful <em>merchant</em> responded they closed the case on their weak consumer! I had to tell them they didnt even read the response. \n\nFurther Amex is not helping me as they claim a <em>merchant</em> can put anything they <em>want</em> in their terms and conditions even if illegal and down right stealing! \n\nEssentially Amex <em>only</em> helps in disputes if the <em>merchant</em> agrees it was an <em>error</em> and they dont really care about their clients!"]},"sort":[18.352964,"7955828"]},{"_index":"complaint-public-v1","_id":"5688216","_score":18.272058,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On the XXXX XXXX of XXXX a dispute was filed for the amount of XXXX and this is the total for several Atm transactions that appear on my statement as if i had received the money when the real thing was that i could not take money out at times because for some reason the card on times it was giving me the error of insufficient funds and or to contact the institution and it lock the account until i called them. Well anyways on the XXXX of XXXX of 2022 the dispute was filed and they asked for the papers to be signed and return which i did and the investigation started, they told me that it could take up to 45 days and that they would give me the provitional credit which they never gave me they said because at the end i did not qualify for the credit that i had to wait until there was a update. ok when the 45 days where almost up i called to check on the dispute and the rep told me that the case was still ongoing and that it was going to take up to 90 days to get a resolution and then well i got really mad because they had never explained that to me they had initially said only up to 45 days now it was up to 90 days this was ridiculous but ok i could not do anything other than to wait for the update or the 90 days whichever, was coming XXXX have been calling them every other week to check on the update and they always said they did not have anything yet to wait for the 90 days, today being the XXXX day XXXX day before the time was up if they did not have an update from the merchant they needed to put that amount back on my account well this is where i find it really absurd and ridiculous that today being the XXXX day XXXX day before they had to put the money on my account they have an update on the account and the update is that there was no error on their part that the merchant provided proof of the funds being given to me wich is not true i did not get anything and i requested for them to provide to me a copy of the proof that the merchant provided to them since i have the right for that document and the supervisor her name is XXXX from the customer service department but she is the supervisor she said that they could not provide me with any of that that the case was closed and they could not do anything about this case anymore so basically this is me loosing my money of course i want the proof because am not going to loose my money that money was not given to me at all and just because of them knowing that the deadline for the 90 days was on XX/XX/XXXX and that if the merchant did not provide nothing yet they were going to have to issue the money to, this is not right if they did this or they came to the conclusion that it was not an error and they where going to denied the claim just because they did not want to give me my money this is wrong and more wrong is them not wanting to give me the copy of the proof that the merchant provide to them i have the right to that information please help me","date_sent_to_company":"2022-06-20T20:39:08.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"741XX","tags":null,"has_narrative":true,"complaint_id":"5688216","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CARD Corporation","date_received":"2022-06-20T20:05:34.000Z","state":"OK","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["because of them knowing that the deadline for the 90 days was on XX/XX/XXXX and that if the <em>merchant</em> did not provide nothing yet they were going to have to issue the money to, this is not right if they did this or they came to the conclusion that it was not an <em>error</em> and they where going to denied the claim just because they did not <em>want</em> to <em>give</em> me my money this is wrong and more wrong is them not wanting to <em>give</em> me the copy of the proof that the <em>merchant</em> provide to them i have the right to that information"]},"sort":[18.272058,"5688216"]},{"_index":"complaint-public-v1","_id":"7175953","_score":18.013016,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received an American Express Prepaid Card but when I try to use it it is consistently declined. I have tried around 10 times to make purchases at XXXX and XXXX and received error messages, or notices that the payment method needs to be revised. I checked the balance several times on the Amex website and it shows the card as still having the original {$100.00} balance that was added to it. When I searched the internet about this problem to try to identify a solution, I instead found online forums where other people had experienced the same issue, with no resolution. The only tips I found from the company for resolving the issue were things like make sure the card isn't expired, make sure it still has a balance, and make sure the vendor requires the card number, expiration date and security code. I have done all of that ( the expiration date is XX/XX/29 ) and the vendors I was trying to use the card with both require the card number, expiration date and security code. When I called the Customer Service line I was transferred to another number, and then put on hold for 20 minutes. When I finally spoke to someone they told me that many online merchants do not accept their card, and they suggested that I use it at a physical store, and to call the merchant first to confirm that they will accept the card. I asked if they had a list of merchants that accept the card, and they said no. I told her that nobody wants to give someone a gift card that they have to spend hours trying to figure out how to use, and have to call around to merchants to find one that will accept it. And that if the card is only accepted at selected, physical merchants, they should make that clear, and list the merchants.I told the rep that I don't want to call around to stores, obviously, and that I want to use it to buy the things I want to buy, not to walk around trying to find stores that take it. Finally I asked if there is way to transfer the balance to me, to deposit it in my checking account or something. The rep then said she was going to put me on hold to check some information in my account, and then hung up on me. It is very clear to me that Amex is not eager to help people spend the money on their gift cards. Why would they be? \n\nI see that Amex was actually involved in at least one class action lawsuit in which they were accused of issuing gift cards that they say can be used \" almost anywhere '' that many vendors do not accept. It is my belief, and the belief of others on the forums I visited, that Amex is intentionally selling gift cards that are difficult for users to spend the balance on, so that they are able to keep the funds. Even with a class action lawsuit settlement, I suspect they make more money issuing fraudulent gift cards than they pay out in a settlement. My boss gave me this gift card for my hard work at my job. He wanted to reward me, not give money to Amex, and not inconvenience me and give me a worthless gift card.","date_sent_to_company":"2023-06-27T21:50:04.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"11238","tags":null,"has_narrative":true,"complaint_id":"7175953","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-06-27T21:22:08.000Z","state":"NY","company_public_response":null,"sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["He <em>wanted</em> to reward me, not <em>give</em> money to Amex, and not inconvenience me and <em>give</em> me a worthless gift card."]},"sort":[18.013016,"7175953"]},{"_index":"complaint-public-v1","_id":"15770296","_score":17.129435,"_source":{"product":"Prepaid card","complaint_what_happened":"I have been denied multiple times in regards to disputing this {$93.00} charge. Cash app gives a reason of \" transaction was processed in accordance with the payment information received and no error occurred. \nAs a result, your dispute has been denied. '' However it is clear in the documents l 've uploaded, that I was charged for both the delivery order that was cancelled ( {$93.00} ) and for the takeout order ( {$81.00} ). I didnt want to pay for a delivery fee so I cancelled the {$93.00} delivery order and placed the second order for takeout and went to the merchants store and picked up my order. I've been told by one cash app representative I spoke with, that cash app spoke with the merchant regarding the transaction of {$93.00} and they were advised by XXXX XXXX  in XXXX that they did not have the payment to refund me because it was cancelled. Another time my dispute was denied, cash app advised that \" the merchant fulfilled their obligations for the goods/services associated with this transaction. As a result, your dispute has been denied. '' One of the documents attached is a screenshot of an automated text from XXXX. They are one of the third party delivery service the merchant uses through their online ordering website. The screenshot of the text message shows proof that the delivery from XXXXXXXX XXXX was cancelled. Another document shows the order I placed immediately after the delivery order was cancelled and the order was for takeout which was {$81.00}. Yet cash app STILL processed the cancelled order and processed the charge for {$93.00} as well as charging me the takeout order I placed immediately after canceling the order for delivery. The ONLY order that was received was the takeout order because. If there was \" no error '' or if \" the merchant fulfilled their obligations for the associated transaction '', I should have been given two duplicate orders but I was not nor did I want two duplicate orders, lastly the picture of the text shows the delivery was cancelled. Why was I charged for BOTH transactions and why were BOTH processed after one was clearly CANCELED.","date_sent_to_company":"2025-09-06T12:38:12.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"302XX","tags":null,"has_narrative":true,"complaint_id":"15770296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-09-06T11:33:14.000Z","state":"GA","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["The <em>ONLY</em> order that was received was the takeout order because. If there was \" no <em>error</em> '' or if \" the <em>merchant</em> fulfilled their obligations for the associated transaction '', I should have been given two duplicate orders but I was not nor did I <em>want</em> two duplicate orders, lastly the picture of the text shows the delivery was cancelled. Why was I charged for BOTH transactions and why were BOTH processed after one was clearly CANCELED."]},"sort":[17.129435,"15770296"]},{"_index":"complaint-public-v1","_id":"3737079","_score":16.500244,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have a {$35.00} charge on my bill that does not belong. I have tried reaching the merchant but they are unable to assist and was told to contact my bank. I've been trying to reach someone at Barclay 's for the past few days. I have spent more than 2+ hours on hold only to be hung up on. They're online chat/messaging is useless and only provides canned responses. Their online dispute portal gives an error, etc. Barclay 's has made it impossible to reach anyone at their customer support. They have messages blaming Covid, but here we are 4+ months into it and they haven't gotten it together yet. I find this unacceptable and an atrocious business practice. A XXXX search for 'barclays ' returns many many others experiencing the exact same thing as myself. I would like this complaint to also document that I have been attempting to resolve a billing dispute. I don't want Barclay 's to pull something saying that it was not submitted in a timely manner.","date_sent_to_company":"2020-07-09T14:51:01.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"89147","tags":null,"has_narrative":true,"complaint_id":"3737079","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2020-07-09T14:42:59.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overcharged for something you did purchase with the card"},"highlight":{"complaint_what_happened":["I have tried reaching the <em>merchant</em> but they are unable to assist and was told to contact my bank. I've been trying to reach someone at Barclay 's for the past few days. I have spent more than 2+ hours on hold <em>only</em> to be hung up on. They're online chat/messaging is useless and <em>only</em> provides canned responses. Their online dispute portal <em>gives</em> an <em>error</em>, etc. Barclay 's has made it impossible to reach anyone at their customer support."]},"sort":[16.500244,"3737079"]},{"_index":"complaint-public-v1","_id":"7202539","_score":15.82794,"_source":{"product":"Checking or savings account","complaint_what_happened":"WELLS FARGO COMPROMISED MY BUSINESS CHECKING ACCOUNT BY SENDING ALL THE DOCUMENTS TO AN ANOTHER ADDRESS. I NEVER ASKED FOR AN ADDRESS CHANGE. BECAUSE OF THIS, I WAS NOT RECEIVING ANY OF THE LETTERS REGARDING MY DISPUTE RESOLUTIONS CLAIM. \n\nNOW WELLS FARGO WANTS TO REVERSE THE PROVISIONAL {$160.00} SINCE I DID NOT RESPOND IN TIME TO PROVIDE ADDITIONAL INFORMATION REGARDING THE CLAIM. MIND YOU, I ALREADY PROVIDED THEM MEDICAL DOCUMENTATION, A PRESCRIPTION, AND MEDICAL BILL FROM THE DOCTOR. NOTHING GOES ABOVE A PHYSICIANS LETTER WITH PROOF OF INJURY FROM A MERCHANT. WELLS FARGO IS THREATENING TO REMOVE THE {$160.00} ON XXXX, WHICH GIVES ME NO TIME AT ALL TO DO ANYTHING TO PREVENT THIS FROM HAPPENING. THEY NEVER ASKED FOR A POLICE REPORT AND ONLY A LETTER FROM THE DOCTOR OR ANOTHER MERCHANT I HAD TO PAY TO CORRECT MY PROBLEM. \n\nFURTHERMORE, I PROVIDED THEM WITH DOCUMENTS, PHOTOS, RECEIPTS ECT. MORE THAN ENOUGH TO PROVE MY CASE. WHEN I TOLD THEM MY ACCOUNT WAS COMPROMISED DUE TO THEIR ERROR, THEY TOLD ME THEY COULD NOT CLOSE IT DUE YO AN OPEN CLAIM. THE ONLY REASON THEY WANT TO KEEP IT OPEN IS TO TAKE OUT THE {$160.00} IN XXXX WHEN THEY CLOSE THE CLAIM. \n\nMOREOVER, THEY CHOSE THIS DATE ON PURPOSE RIGHT AFTER A HOLIDAY SO I COULD NOT GO TO THE BANK TO CLOSE MY ACCOUNT. ALSO MIND YOU I WAS NOT RECEIVING ANY OF THEIR LETTERS SINCE IT WAS GOING TO ANOTHER ADDRESS BECAUSE OF THEIR MISTAKE!!! NOW IM BEING PUNISHED FOR IT. \n\nLAST BUT NOT LEAST, SINCE THEY WANT TO REMOVE MY HARD EARNED {$160.00}, I AM GOING TO RETAIN LEGAL COUNSEL FOR COMPROMISING MY BUSINESS CHECKING ACCOUNT INFORMATION AND IDENTITY FOR CHANGING MY ADDRESS WITHOUT MY KNOWLEDGE. I AM GOING TO SUE AND FIGHT FOR MILLIONS IF DOLLARS. WELLS FARGO HAS MADE MY LIFE A LIVING XXXX!","date_sent_to_company":"2023-07-04T07:18:26.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33326","tags":"Servicemember","has_narrative":true,"complaint_id":"7202539","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-07-04T06:34:33.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["NOTHING GOES ABOVE A PHYSICIANS LETTER WITH PROOF OF INJURY FROM A <em>MERCHANT</em>. WELLS FARGO IS THREATENING TO REMOVE THE {$160.00} ON XXXX, WHICH <em>GIVES</em> ME NO TIME AT ALL TO DO ANYTHING TO PREVENT THIS FROM HAPPENING. THEY NEVER ASKED FOR A POLICE REPORT AND <em>ONLY</em> A LETTER FROM THE DOCTOR OR ANOTHER <em>MERCHANT</em> I HAD TO PAY TO CORRECT MY PROBLEM. \n\nFURTHERMORE, I PROVIDED THEM WITH DOCUMENTS, PHOTOS, RECEIPTS ECT. MORE THAN ENOUGH TO PROVE MY CASE."]},"sort":[15.82794,"7202539"]},{"_index":"complaint-public-v1","_id":"3559966","_score":15.773819,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have already filed a complaint and will be filing another based on the false information that the bank responded with. \n\nThe information you provided regarding Visa rules is accurate - You state here that what I submitted was accurate. Meaning, the cardholder shall be given credit during the investigation as determined by VISA Rules Section 1.1.11.1. \n\nhowever, the rules also state that the Cardholder must attempt to resolve a dispute with the Merchant or Merchants liquidator, if applicable. You provided copies of your email communications with the Merchant which confirm that the Merchant attempted to work with you to resolve the issue but you did not respond and therefore did not accept their assistance. - You say that I never responded to the merchant, this is false as I reviewed the emails myself and show my responses advising that I wanted a refund and would accept nothing less and even offered to take a 50 % refund. The Merchant refused! \n\nSoFi has not provided a provisional credit for the following reasons : -It is not required by Reg E - This is not a Reg E claim ; I provided you a call recording with VISA Rules Customer Service who clearly stated that this claim falls under VISA \" Consumer Dispute '' Rules and not under Reg E ; I also called the Fed Resv and CFPB and was advised of the same. Reg E only covers \" Errors '' on an account ; these pertain to ATM/Debit Card transactions using the PIN associated, it does not provide \" Consumer Dispute '' guidance.\n\nYou agreed to ( and did not honor ) a 15 day Money Back Guarantee with the Merchant - Under VCR 13.3 the Merchants refund policy has no bearing on the dispute and is not used to determine if the claim is valid or invalid. \n\nYou did not work with the merchant to resolve the issue. - This is not true I attempted twice to get the Merchant to view it from my standpoint and even offered to settle for less than the purchase amount. \n\nYou people apparently do not know the difference between a Reg E complaint and a \" Consumer Dispute '' and what guidelines to follow. You really need to sign up for VISA Class and get certified on how to handle these complaints. Considering if you simple review documents on the VISA website as well as companies who specialize in chargebacks you will see that I am 100 % correct and you are 100 % incorrect with this matter. \n\nI think that the Fed Resv, CFPB and VISA all need to be brought into this and give their take on this case and prove who is wrong and who is right. I bet I prevail!!!!","date_sent_to_company":"2020-03-09T14:48:01.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"27215","tags":null,"has_narrative":true,"complaint_id":"3559966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Social Finance, Inc.","date_received":"2020-03-09T14:36:53.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Reg E <em>only</em> covers \" <em>Errors</em> '' on an account ; these pertain to ATM/Debit Card transactions using the PIN associated, it does not provide \" Consumer Dispute '' guidance.\n\nYou agreed to ( and did not honor ) a 15 day Money Back Guarantee with the <em>Merchant</em> - Under VCR 13.3 the <em>Merchants</em> refund policy has no bearing on the dispute and is not used to determine if the claim is valid or invalid."]},"sort":[15.773819,"3559966"]},{"_index":"complaint-public-v1","_id":"2778321","_score":15.656458,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello, On XX/XX/XXXX, {$110.00} was debited from account twice. There where funds available in my account for these transactions to clear. However on XX/XX/XXXX, I received {$100.00} in over draw fees. I was told that posting items were redistributed which caused me additional fees. \n\nI was told that because of this, this is why I was charged. Debiting my account for the transaction and redistributing transactions is what to me appears if the bank is just trying to make an additionally {$100.00} in fees. What makes this even harder is there are 3 other accounts that belong to me where the funds were in. I also was told that only with Savings accounts does Chase debit the funds from the account to cover transactions. I spoke with XXXX who was a supervisor. \n\nLastly, on XX/XX/XXXX, I was contacted by Chase because of a dispute with XXXX. The transaction was for {$54.00}, which was an error and the merchant only wanted to give me a fandago credit and I would still be charged a {$7.00}. I contacted Chase with this issue. Chase is now asking for proof that I was charged on another credit card. The issue is that was not my credit card, and the individual who the movie tickets were made with will not give me their credit card statements. Additionally, I contacted XXXX again, for a refund and was told that they will not issue anything because I informed them I would dispute the charges. I have been a loyal Chase customer for over 20 years and the relationship now has gotten bad.","date_sent_to_company":"2018-01-10T10:27:33.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"604XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2778321","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-01-10T09:58:40.000Z","state":"IL","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["I also was told that <em>only</em> with Savings accounts does Chase debit the funds from the account to cover transactions. I spoke with XXXX who was a supervisor. \n\nLastly, on XX/XX/XXXX, I was contacted by Chase because of a dispute with XXXX. The transaction was for {$54.00}, which was an <em>error</em> and the <em>merchant</em> <em>only</em> <em>wanted</em> to <em>give</em> me a fandago credit and I would still be charged a {$7.00}. I contacted Chase with this issue. Chase is now asking for proof that I was charged on another credit card."]},"sort":[15.656458,"2778321"]},{"_index":"complaint-public-v1","_id":"9657534","_score":15.479439,"_source":{"product":"Credit card","complaint_what_happened":"Citi is demanding that I pay for a mattress that I cancelled in a timely fashion and did not take possession of. \n\n\nCiti.com sided with a merchant who denied my legal right to cancel an order within XXXX hours. \n\nOn an XX/XX/year> phone call, the owner of XXXX XXXX talked me into giving him my credit card number. He immediately charged my card for the standard, second-tier mattress model he wanted to sell me. He did not have a store. \n\nI decided to try mattresses in a store and canceled the order within XXXX hours. The mattress manufacturer, XXXX, states on its website that he could have canceled the order in that time frame. \n\nHe did not cancel the order with XXXX as I instructed but continued to push and harass me to take the mattress in a series of emails. \n\nOn XX/XX/XXXX, Citi emailed me my dispute erroneously listed goods not as described as the reason for the dispute, not as cancelled order. Cancelled order is what I had requested. The woman who took my dispute insisted on not as described, although I complained. Citi did not indicate they would fix the error. \n\nCiti gave the merchant until XX/XX/XXXX to respond. He responded with a bogus invoice that I had never seen or signed, I have only communicated with him by phone or email. That invoice is not in my emails. \n\nI protested and Citi reopened the case, but on XXXXXXXX XXXX, sent me a letter saying they had sided with the merchant who evaded my lawful right to cancel. Citi helped him. \n\nThat is a shabby way to treat me, a loyal Citicard holder for 25 years. \n\nI cancelled the order in a timely manner and have never taken possession of the mattress.","date_sent_to_company":"2024-08-02T13:11:44.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"08540","tags":"Older American","has_narrative":true,"complaint_id":"9657534","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-07-30T16:08:35.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Citi did not indicate they would fix the <em>error</em>. \n\nCiti gave the <em>merchant</em> until XX/XX/XXXX to respond. He responded with a bogus invoice that I had never seen or signed, I have <em>only</em> communicated with him by phone or email. That invoice is not in my emails. \n\nI protested and Citi reopened the case, but on XXXXXXXX XXXX, sent me a letter saying they had sided with the <em>merchant</em> who evaded my lawful right to cancel. Citi helped him."]},"sort":[15.479439,"9657534"]},{"_index":"complaint-public-v1","_id":"14597967","_score":15.119693,"_source":{"product":"Credit card","complaint_what_happened":"After being victimized by a XXXX  merchant whom I have evidence & reason to believe used an inferior, incorrect type of facial filler product for a XXXX  service ( and this merchant failed to properly store, handle, transport the dubious/questionable product ) there was also injector negligence & potential merchant malfeasance in trying to cover up their errors as to what product was actually used after I contacted merchant to request a revision, credit or refund for the failed defective incorrect and improperly injected product ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and the product provided no visible/palpable results. I attempted to get an appointment scheduled with the merchant on a weekend due to work schedule & merchant would not accomodate. Merchant was unwilling to guarantee any kind of remedy, warranty, replacement or refund. I paid appr. {$800.00} total for the XXXX XXXX XXXX with gift card, the rest was paid for on my XXXX XXXX card ) I pursed a valid justified charge back due to the dissatisfaction of the product/service and its failure to provide the promised/promoted benefits. I pointed out to XXXX XXXX that this merchant is not in compliance with Ohio 's consumer protection laws ( as in they should have provided a written purchase agreement/sales contract for any sale of goods over {$500.00} but this merchant did not. The merchant also never obtained my signature on any kind of written or printed receipt to memorialize what I had actually received, type of filler, amount charged etc. ) The merchant then proceeded to submit contradictory so called 'evidence ' to defend/refute the charge back ( after first giving me the impression in communications I shared with XXXX XXXX that they would go ahead and accept the charge back instead of offering any other potential remedies or refunds ) But then the merchant turned around & disputed the charge back with erroneous misinformation, altered 'XXXX  ' up photographs of me, sharing my private protected health info without my permission nor advance knowledge, and essentially XXXX  about what had happened & what type of filler product had actually been used on me XX/XX/year>! They also engaged in egregious defamation making false accusations about me unsupported by actual facts. XXXX XXXX has only provided me spotty feedback & denied me my rights under the XXXX. They sent partial fuzzy extremely small print copies of the merchants so called 'evidence ' which is NOT legible. They have denied me the ability to talk with anyone in a position of authority to properly resolve the dispute & unfairly rebilled this unjust charge to my account even though I have refiled the dispute providing substantive evidence showing strong support for the fact the merchant actually mistakenly or on purpose injected the wrong product ( a cheaper filler type called XXXX  ) but yet altered their records after the fact to claim they had injected the proper filler ( XXXX  XXXX  ) The merchant had submitted to the filler supplier/manufacturer XXXX  ( XXXX their rewards points program XXXX ) that they had injected XXXX  in XXXX temples on XX/XX/XXXX and I was emailed a copy of that documentation with the merchant/medspa provides the supplier. I provided a copy to XXXX XXXX justifying my legitimate questioning/concern that this merchant used this inferior wrong product ( the manufacturer only recommends using XXXX in XXXX! ) While the issues in dispute XXXX seem complicated, the fact remains that this merchant has not been transparent nor consistent but resorting to mischaracterizing me, lying to XXXX XXXX & violating my privacy rights & Ohio 's consumer laws while doing so. XXXX XXXX has been complicit in these harmful actions. I then sent XXXX XXXX a cease & desist explaining that they should not be accepting nor sharing within their own team or any other XXXX XXXX my XXXX & questionable/altered XXXX XXXX records as it violates my XXXX rights. I also pointed out in many supporting documents I presented XXXX XXXX in regards to this charge back dispute that the merchant has failed to provide ( because they do not have it ) a proper pre-service written contract nor a printed or even electronic receipt that would provide any support or clarity to this merchant 's false claims! Without these crucial evidentiary documents the charge for {$460.00} is not valid because I was not given opportunity to have in writing clarification as to what actual type of filler product & at what total price I was to be receiving! The merchant is not in compliance with Ohio 's laws, they have refused to allow me to come back for a post service evaluation by their XXXX  XXXX ( claiming falsely that this charge dispute prohibits this ) They have failed to give any valid explanation for why they told the manufacturer/supplier rewards program I was injected with an improper, cheaper, inferior filler product but has since claimed I received something else! Altering XXXX  records is unlawful. Not providing consumers real purchase contracts & receipts is bad business practice & against Ohio consumer laws. All this XXXX  has done ( actually the merchant is a massage business mainly & only recently started doing XXXX services ) is malign me & submit false defamatory info to XXXX XXXX. XXXX XXXX has subjected me to XXXX XXXX & taking up too much time to resolve this dispute properly & fairly. I should not have to be charged for receiving the wrong product type & being a victim of a merchants charades & fraud. XXXX XXXX should not be aiding & abetting this & repeatedly ignoring my fulsome information & requests to permanently credit the {$460.00} back to my card! The only thing the merchant submitted is a consent to treat form and that is NOT a purchase agreement or written signed contract or receipt to verify what I had actually received. XXXX XXXX seems not to want to take the time to really research this dispute sufficiently. I have exhausted myself trying to obtain justice and the credit back to my account I want, need and deserve. My rights on many levels have been egregiously violated.","date_sent_to_company":"2025-07-11T17:57:49.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"45036","tags":null,"has_narrative":true,"complaint_id":"14597967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-07-11T17:08:46.000Z","state":"OH","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The <em>only</em> thing the <em>merchant</em> submitted is a consent to treat form and that is NOT a purchase agreement or written signed contract or receipt to verify what I had actually received. XXXX XXXX seems not to <em>want</em> to take the time to really research this dispute sufficiently. I have exhausted myself trying to obtain justice and the credit back to my account I <em>want</em>, need and deserve. My rights on many levels have been egregiously violated."]},"sort":[15.119693,"14597967"]},{"_index":"complaint-public-v1","_id":"9228855","_score":14.492507,"_source":{"product":"Credit card","complaint_what_happened":"I tried to send XXXX  Complaints/Disputes through its Online Message Center beginning on XX/XX/year>. For one week, it was not operational for me. Finally, on XX/XX/XXXX it worked. The following two messages ( previously composed ) were submitted.\n\n1 ) I received an email from the bank this afternoon ( XX/XX/year> ) that there was a CARD NOT PRESENT TRANSACTION made on my account today. Both the merchant 's name and location were identified only with a code of letters and/or numbers, impossible to determine who or where the merchant is. I have not used my credit card, not ordered or purchased anything, for the past two weeks. I logged in to my account, clicked report fraud several times but the bank 's website would not open. XXXX without identification of a merchant name. Only XXXX was posted as a description. XXXX XXXX ) Continued ..... I then tried to send an online message to the bank also several times, but appeared \" ERROR Unfortunately, we are experiencing technical difficulties at this time. We apologize for any inconvenience this may cause you. There is nothing to click on the bank 's website to dispute a charge. The bank must accept my dispute of this transaction ; and, reverse the charge of {$10.00}. XXXX Because there was no merchant identified and because I had no idea what XXXX was, I attempted to dispute the charge online. However, XXXX INTENTIONALLY discourages from consumers from disputing by having no way to do so online unlike most credit card issuers and servicers. \nAnd, XXXX has faulty IT online. \nIn any case, XXXX did not respond to my two messages! \nFinally, I called XXXX and stated that I wanted to dispute the charge, and informed XXXX that there was neither a way to submit a dispute online or, for that matter, to report possible fraud. I asked XXXX to take a dispute from me. XXXX refused to do so, but stated that it would close my account and would refer the matter to its fraud department. \nDated XX/XX/XXXX XXXX sent me a generic letter stating a Fraud Investigatorwill call you. XXXX Fraud Department never called! XXXX did not give me the opportunity to provide any information or ask any questions whatsoever. \nDated XXXX XXXX XXXX sent me another generic letter stating we have denied your claim due to the fact that you participated in the transaction. Not only did I not only never participate, but XXXX XXXX, the XXXX employee who signed the letter, never provided any proof whatsoever of the NON-EXISTENT participation with a still UNKNOWN MERCHANT. XXXX XXXX XXXX LIED!!! Neither my card ( which XXXX admits ) was present, nor I. \nFurthermore, she wrote that I could contact the merchant about the product or service provided. XXXX XXXX did not investigate anything, as she clearly did not know whether the charge was a product or service. Similarly, I do not know, owing to XXXX FAKE INVESTIGATION. \nWhen XXXX HIRES EMPLOTYEES, using only WOKE CRITERIA, but not evaluating QUALIFICATIONS, it harms the consuming public. Failing to properly train newly hired or promoted WOKE EMPLOYEES also harms the consuming public. \nI have found that UNKNOWN EMPLOYEE ( S ) at XXXX have CRIMINALLY added the same charge TWICE MORE. In short, the original disputed erroneous charge is now tripled! \nXXXX XXXX, XXXX of XXXX, has been asleep at the wheel. Its technology is failing, its employees are lying and stealing. XXXX is a danger to Americans.","date_sent_to_company":"2024-06-17T12:23:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"244XX","tags":"Older American","has_narrative":true,"complaint_id":"9228855","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST NATIONAL BANK OF OMAHA","date_received":"2024-06-11T20:39:19.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX did not <em>give</em> me the opportunity to provide any information or ask any questions whatsoever. \nDated XXXX XXXX XXXX sent me another generic letter stating we have denied your claim due to the fact that you participated in the transaction. Not <em>only</em> did I not <em>only</em> never participate, but XXXX XXXX, the XXXX employee who signed the letter, never provided any proof whatsoever of the NON-EXISTENT participation with a still UNKNOWN <em>MERCHANT</em>. XXXX XXXX XXXX LIED!!!"]},"sort":[14.492507,"9228855"]},{"_index":"complaint-public-v1","_id":"3134517","_score":14.350723,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is regarding a business checking account and a merchant services account, The merchant services account was never terminated by the bank in XX/XX/XXXX. \n\nCitizens bank/ XXXX XXXX  has been debiting fees from my business account for seven years on a merchant services account ( XXXX XXXX ) that was supposed to be terminated in XX/XX/XXXX when we signed up with a new and lower cost merchant services option that was offered by Citizens bank named ( XXXX XXXX XXXX ). \nThe local branch was to handle the termination of the old M.S.A when the new one was up and running. Apparently they did not perform this task. \n\nIt was later discovered that during this time XXXX was either acquired or merged with the new titled organization named \" XXXX XXXX \". It was the these \" XXXX XXXX \" debit line items that were not recognized on our business banking statements as charges from \" XXXX link  '' and in fact was thought to be some type of third party charge for the new vendor \" XXXX XXXX XXXX \". These fees started out very small and then increased and ranged to over $ XXXX/month for a total of {$5100.00} ( Seven years of admin fees on this unused account that was supposed to be terminated in XX/XX/XXXX ). \n\nWhen the problem was discovered : in XX/XX/XXXX I made a call to the new vendor \" XXXX XXXX   XXXX. I wanted an explanation on what this fee was for and why was it so much? - it was at this time when it was discovered that this fee had nothing to do with the new vendor \" XXXX XXXX XXXX. \". The XXXX customer support rep then informed me that the XXXX XXXX fees were from another Merchant services vendor - The old XXXX Link. \n\nI contacted my local Citizens bank in whom I have been with for over twenty years and they forwarded this matter to \" The Chairman of the boards office \". This upper arm of Citizens were only willing to give a refund of the last month of fees and then months later threatened to shut my account down due to an \" administrative error \". \nI am seeking the full reimbursement plus interest for seven years. ( {$5100.00} plus interest. ) At no time did Citizens or anyone inform us of this transition. Additionally we never received any XXXX XXXX statements, emails, yearly compliance forms or XXXX tax forms There was nothing ever sent to us that would have alerted that there was a problem and that the old XXXX  Link was now being called XXXX XXXX   and that they never terminated the account in XX/XX/XXXX as they promised. \n\nThe other important issue that really concerns me is the greatly varied and sometimes high monthly fees on this unused merchant services account where no transactions have occurred in seven years.","date_sent_to_company":"2019-01-30T19:45:52.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"19008","tags":null,"has_narrative":true,"complaint_id":"3134517","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2019-01-27T15:21:43.000Z","state":"PA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["This upper arm of Citizens were <em>only</em> willing to <em>give</em> a refund of the last month of fees and then months later threatened to shut my account down due to an \" administrative <em>error</em> \". \nI am seeking the full reimbursement plus interest for seven years. ( {$5100.00} plus interest. ) At no time did Citizens or anyone inform us of this transition."]},"sort":[14.350723,"3134517"]},{"_index":"complaint-public-v1","_id":"3007994","_score":14.287882,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2018 I visited XXXX 's XXXX XXXX to purchasing new tires for my truck. I worked with an employee to determine a tire size would fit my truck since I wanted to go larger than the stock size. After test fitting a tire in a size I had suggested, we determined that it would not fit and the employee suggested another size, and assured me that it would fit without issue. The employee then ordered the suggested tire and I paid for it. ( A total of {$1000.00} ) On the morning XX/XX/2018 I dropped my truck off at the merchant 's establishment for the new tires to be installed. I returned that evening around XXXX to pick up the truck. I briefly spoke to an employee who handed me the key to my truck and informed me that \" everything was good to go. '' On the drive back to my residence I noticed the tires were scrubbing on the inner-fender of the truck. Once home I investigated and found that not only were the tires scrubbing, they had actually damaged the inner fender lining. I attempted to call the merchant, but they did not answer since they had already closed for the day. \n\nOn the morning of XX/XX/2018 I returned to the merchant 's establishment first thing to alert them of the issue. I spoke with an employee who then contacted the owner via cellphone and explained the issue. The owner stated that I could not receive a refund since I had driven on the tires. I took issue with this because explanation because I was told that everything was \" good to go '' when I picked the truck up. How else was I to know that the tires didn't properly fit if I hadn't driven the truck? The owner still refused a refund, so I asked to have the new tires removed and my old tires put back on the truck. I stored the new tires in my garage at home. \n\nOn XX/XX/2018 I opened a dispute over the charged amount through my bank ( South State Bank ) On XX/XX/XXXX I received a provisional credit for the amount in question from South State Bank while the matter was being investigated. \n\nOn XX/XX/XXXX I received a phone call from a representative of South State bank. She informed me that the merchant was willing to give me a partial refund if I returned the tires to him. I informed the representative that I was not going to accept anything less than a full refund for the return of the tires. The representative said that she would inform her manager and give me a return call. \n\nOn XX/XX/2018 I received a letter from South State Bank informing me that the investigation had been completed and they determined that the merchant had done no wrong since I had authorized the transaction. The letter also stated that they would be debiting my account on XX/XX/2018 for the amount in question. \n\nI do not feel this is a fair resolution. It was the tire shop 's job to install the tires and ensure they fit correctly. They failed to do this, and denied a refund once I discovered the tires did not fit correctly. I believe this error was solely on the part of the merchant and I deserve nothing less than a FULL REFUND for the return of the tires.","date_sent_to_company":"2018-09-01T20:23:00.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"29646","tags":null,"has_narrative":true,"complaint_id":"3007994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH","date_received":"2018-09-01T19:40:30.000Z","state":"SC","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I believe this <em>error</em> was solely on the part of the <em>merchant</em> and I deserve nothing less than a FULL REFUND for the return of the tires."]},"sort":[14.287882,"3007994"]},{"_index":"complaint-public-v1","_id":"2857953","_score":14.169059,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint number : XXXX COMPANY 'S RESPONSE AND DIDNT EVEN BOTHER TO SPEAK TO ME AT ALL IS INSULTING! \nTHIS IS NOT AT ALL ACCURATE. It is very clear my complaint was NOT READ! The information you refer to IS NOT CORRECT. YOUR REPRESENTATIVE XXXX XXXX called me one time and left a message I called this guy back 7 ( seven times 7 times! ) he never had the courtesy to return my call. NEVER EVER ANSWERES HIS PHONE, Hides behind it. SAD. THE ISSUE AGAIN IS THAT YOUR COMPANY took {$130.00} this money from the merchant my XXXX seller account 3 TIMES 3 TIMES!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THE ISSUE IS THE LAST TIME YOU FINALLY OMG FINALLY GOT IT CORRECT AND TOOK THE MONEY FROM ME AND NOT XXXX  XX/XX/XXXX, I THOUGTH FINALLY SOMEONE got it correct and took the temp credit from me. Heck I even got a letter stating this. However YOUR XXXX  XXXX COMPANY ,2 WEEKS LATER TOOK THE MONEY AGAINNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN!!!!!! FROM XXXX, YOU CAUSED THEM TO SHUT MY BUSINESS DOWN! THEY blocked me from selling on XXXX, DELETED OVER XXXX ITEMS, and FROZE MY ACCOUNT UNTIL I PAID THEM BACK THE {$130.00}. I WAS FURIOUS YOUR COMPANY DID THIS TO ME,. YOU CAUSED ME GREAT FINANCIAL HARDSHIP BY TAKING THE MONEY FROM ME XX/XX/XXXX AND TAKING IT FROM THEM AGAIN ALSO XX/XX/XXXX THIS CAUSED ME TO HAVE TO PAY THEM {$130.00} TO GET MY ACCT RE-OPENED, BECAUSE OF YOUR ERROR DOUBLE DIPPING ME AND THEM. YOUR ONLY CHOICE AT THAT POINT WASW TO GIVE THE MONEY BACK TO ME AS I HAD A MORTGAG PYMT THAT WAS GOING TO BOUNCE BECAUSE OF YOUR ERROR. SO TO SAY YOU GAVE ME BACK THE XXXX IS A SLAP IN THE FACE. YOU CAUSED ALL OF THIS MESS. YOU COST ME ITEMS UNSOLD DELETED, WORK, AND NO INCOME FOR 1 FULL WEEK {$25.00} HOUR 40 HRS YOU OWE ME THE AMOUNT OF SALES I LOST AND THE TIME I SPENT FIXING YOUR ERROR WHERE YOU TOOK THE MONEY FROM THEM AFTER YOU HAD ALREADY BEEN PAID. XX/XX/XXXX YOU CAUSED THIS FINANCIAL HARDSHIP FOR ME. I HATE YOU FOR THIS AND HAVE NO RESPECT FOR YOUR PITIFUL WORKER XXXX XXXX XXXX XXXX HA! NEVER ANSWERS PHONE NEVERRRRRRRRRRRRRRR. WHOM CANT EVER RETURN A CALL AND HIDES BEHIND VOICE MAIL. XXXX XXXX COMPANY MADE ME HAVE TO PAY XXXX  BACK THE XXXX SO I COULD GET MY STORE RE-OPENED AND THEN BEGIN THE TASK OF RE-LISTING ALL 200 + ITEMS THAT WERE DELETED BY YOUR COMPANIES ERROR. I WANT MY MONEY BACK. SO LET IT BE CLEAR YOU RUINED MY REPUTATION AS A SELLER, CAUSED ME TO HAVE MY STORE SHUT, LOSE ALL MY WORK AND NO SALES FOR AN ENTIRE WEEK, AND YOU GAVE ME A MONETARY SETTLMENT OF THE {$130.00} BACK REALLY!!!!!!!!!!!!!! YOU HAD TO XXXX BECAUSE YOU COULD NOT SEND IT BACK TO THE MERCHANT FOR THE 3RD TIME AS SEEING PER MY ATTACHEMENTS I HAD TO PAY THEM FOR YOUR ERROR TO GET MY BUSINESS REOPENED., NOW YOU NEED TO PAY ME FOR THE DAMAGE YOUR COMPANY CAUSED MY BUSINESS, THAT IS WHY YOU SENT THE MONEY BACK TO ME BECASUE YOU MADE THE ERROR! your company XXXX  me out of an entire week of work, by double dipping me XX/XX/XXXX and the merchant XX/XX/XXXX FOR THE SAME AMOUNT. 3RD TIME YOU DID THIS THEY CLOSED MY STORE .XXXX FIRE XXXX XXXX WHOM CLEARLY HAS NO RESPECT FOR THE CUSTOMERS YOU GAVE ME A MONETARY SETTLMENT OF THE {$130.00} BACK REALLY!!!!!!!!!!!!!! YOU HAD TO XX/XX/XXXXBECAUSE YOU COULD NOT SEND IT BACK TO THE MERCHANT FAST ENOUGH, AND I HAD SENT YOU PROOF YOU TOOK IT FROM ME AND THEM AND THAT I HAD TO PAY THEM OUT OF MY POCKET FOR YOUR ERROR, so let it b clear YOU DIDNT GIVE ME ANYTHING FOR THE DAMAGE YOU CAUSED ME. RESEARCH THAT! FOR THE 3RD TIME AS SEEING PER MY ATTACHEMENTS I HAD TO PAY THEM FOR YOUR ERROR TO GET MY BUSINESS REOPENED., NOW YOU NEED TO PAY ME FOR THE DAMAGE YOUR COMPANY CAUSED MY BUSINESS, THAT IS WHY YOU SENT THE MONEY BACK TO ME BECASUE YOU MADE THE ERROR! your company XXXX  me out of an entire week of work, by double dipping me XX/XX/XXXX and the merchant XX/XX/XXXX FOR THE SAME AMOUNT. 3RD TIME YOU DID THIS THEY CLOSED MY STORE .. FIRE XXXX XXXX WHOM CLEARLY HAS NO RESPECT FOR THE CUSTOMERS ALL XXXX, NOT A CALL RET 'D NOT A LETTER REC 'D,. No one even had the respect to speak to me, only re and re read comments by various reps whom kept putting note in on an issue they had no clue about and that they transferred me to someone else to have to put me on hold and re read useless incorrect notes","date_sent_to_company":"2018-03-28T22:10:23.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"33702","tags":null,"has_narrative":true,"complaint_id":"2857953","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-03-28T21:47:53.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["YOU HAD TO XX/XX/XXXXBECAUSE YOU COULD NOT SEND IT BACK TO THE <em>MERCHANT</em> FAST ENOUGH, AND I HAD SENT YOU PROOF YOU TOOK IT FROM ME AND THEM AND THAT I HAD TO PAY THEM OUT OF MY POCKET FOR YOUR <em>ERROR</em>, so let it b clear YOU DIDNT <em>GIVE</em> ME ANYTHING FOR THE DAMAGE YOU CAUSED ME. RESEARCH THAT!"]},"sort":[14.169059,"2857953"]},{"_index":"complaint-public-v1","_id":"19248419","_score":14.148261,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I tried to place an online order with XXXX for {$110.00}. I got an error screen that said the website had an error and I should try again. I tried again and got the same screen. I messaged the seller ( XXXX is an online market place like XXXX, but sellers offer services instead of hard goods ) and the seller told me other buyers were reporting the same issue and I should keep trying until the order goes through. I made several more attempts, but never got the message that my order went through. The following morning I looked at my bank account and saw XXXX transactions from XXXX for {$110.00}. The transactions were pending, but not posted. I did not think they would post as this is clearly a mistake. I looked on the bank 's app and there is no option to dispute charges so I sent a message through the app telling the bank that there should only be XXXX charge and please block the other XXXX. I got a message back XXXX days later that they can not block charges, but I can file a dispute. I got a call from my bank because all XXXX transactions did post and that resulted in XXXX overdraft fees for {$30.00} each. I told them what happened and they said \" we can see this is clearly not your fault and we will refund you if you bring in documentation and file a fraud dispute. '' I printed everything and brought it into my bank. THe following day, they called and said they can not refund the overdraft fees because it is not the bank 's error. It is between me and the merchant. The merchant does not message me back. They are in another country and have been very difficult to deal with. They did acknowledge that this all resulted from an \" internal error '' with their website. They have now refunded XXXX of the charges and still owe me for XXXX. They want to give me this in credit with their company, but this is an unacceptable resolution to me. XXXX banks says that as a XXXX time courtesy they will refund XXXX of the {$30.00} charges. My account has never been overdrawn before this and would not have been overdrawn if I were not charged XXXX times for the same transaction. I can not understand how they can charge me overdraft fees for these fraudulent charges. I will be switching banks, but if you can help me get reimbursed for the overdraft fees, I would appreciate it.","date_sent_to_company":"2026-02-04T19:03:17.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"86442","tags":null,"has_narrative":true,"complaint_id":"19248419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Glacier Bancorp Inc.","date_received":"2026-02-04T18:36:55.000Z","state":"AZ","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["THe following day, they called and said they can not refund the overdraft fees because it is not the bank 's <em>error</em>. It is between me and the <em>merchant</em>. The <em>merchant</em> does not message me back. They are in another country and have been very difficult to deal with. They did acknowledge that this all resulted from an \" internal <em>error</em> '' with their website. They have now refunded XXXX of the charges and still owe me for XXXX."]},"sort":[14.148261,"19248419"]},{"_index":"complaint-public-v1","_id":"12376497","_score":14.075119,"_source":{"product":"Prepaid card","complaint_what_happened":"Chime is not following the law when it comes to disputes. On XX/XX/XXXX I disputed an overcharge by XXXX via XXXX. XXXX did not apply my promo and I had an earlier identical purchase and was overcharged by {$13.00} a misdemeanor crime in XXXX, I am entitled to get all of my money back from the merchant the full disputed amount of {$28.00} and can claim XXXX the difference from the merchant per XXXX law business codes and regulations. Chime only returned the {$13.00} and not the full amount, they do this all the time to every customer. I have had other disputes prior where they did the same thing, I also disputed a XXXX XXXX purchase of {$34.00} in 2024 that still has not been resolved after multiple disputes. Chime says no mistake was made but there were several mistakes made. The food was not delivered in a timely manner and was not delivered hot and the food did not look like the picture. Chime acts like a bank but is not one and should not get to operate like one and not be subject to all the same applicable laws. Them overcharge constitutes a misdemeanor crime. If I am not going to get my money back for a bad transaction where I did not get what I agreed to purchase and chime has had my money for almost a year. Chime agents do not speak fluent English and misrepresent my disputes on the intake forms they fill out in broken English that make no sense. I asked for the evidence for the XXXX XXXX dispute denied XXXX times and they have XXXX evidence, none, only the intake forms filled out by their staff misrepresenting the errors made by the staff of XXXX XXXX. My dispute for XXXX XXXX and XXXX  was already approved which means they recognize the errors made they are not providing the correct amounts returned to customers thru the dispute process, they are also still charging the increased fees that XXXX XXXX and the cfpb put limits on to limit garbage fees. This is a class action lawsuit eligible issue. I want my money back from these disputes or I will be closing both of my accounts at my convenience. If chime is not a bank how can they give out credit cards when no credit is being given, they also are not reporting them over {$100.00} available to me as my pay an available credit line. Are these violations of the FCRA also?","date_sent_to_company":"2025-03-08T03:47:06.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"95678","tags":null,"has_narrative":true,"complaint_id":"12376497","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-03-08T03:23:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Overcharged for a purchase or transfer you did make with the card"},"highlight":{"complaint_what_happened":["I asked for the evidence for the XXXX XXXX dispute denied XXXX times and they have XXXX evidence, none, <em>only</em> the intake forms filled out by their staff misrepresenting the <em>errors</em> made by the staff of XXXX XXXX."]},"sort":[14.075119,"12376497"]},{"_index":"complaint-public-v1","_id":"2965162","_score":13.949375,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This is a complaint is against Global Cash Card not providing provisional credit to my card and not resolving my dispute in lawful fair matter, I opened the dispute of XXXX on XX/XX/2018 My dispute was mishandled, dragged on for close to 90days did not take it seriously, dismissed it,  did not investigate the evidence and documents I turn in for my dispute against the merchant, only wanted to take the merchants side, allowing the merchant to commit fraud, going along with the merchants deceit to make sure my dispute would go the merchants favor. The policy of Global Cash Card is to support and be partial to the merchant give the merchant lead way, giving the merchant 90 days to answer to dispute The merchant does not have to present any paperwork, documents, bills, receipts etc. for evidence just need or take the merchants verbal word as  evidence .also Global Cash Card Dispute Dept Employees seem to show favoritism towards this merchant due to this merchants moving company business being in XXXX California where The Global Cash Card business resides as well .they insisted on defending this merchant, behaving as if they knew this merchant personally. Giving this merchant upmost respect and courtesy!, even though I presented evidence, documentations that this merchant was lying though his teeth committed fraud and did federal violations. This merchant did not even present any paper work documentations bills receipts of any kind, just his verbal word.as he was lying to the dispute department so he could keep my money of XXXX and not be held liable for not providing the service I paid for and not be liable for breaking and stealing my things holding my things hostage in the delivery truck to extort me for more money of XXXX .Global Cash Card gave full communication and car blanche to this merchant where they were very rude, indifferent cruel, unprofessional short timbered inpatient to me treating me as if I did not matter, a nuisance unimportant to them. the dispute office would not speak to me did not want to give me any information or reason why they where favoring my dispute to this merchant. i had to over and over insist to give me a reason, i was transferred to many supervisors who did not want to give me a reason just kept stating, there was no error and i would not be getting my XXXX back. finally last supervisor told me the merchant verbally stated that he gave me a XXXX credit .I immediately told this supervisor that this merchant was lying there was no XXXX credit given to me, I paid XXXX on a service contract for this moving company to fully empty my storage unit in XXXX Az and deliver it to me in XXXX XXXX Id, to use a 26foot long distance moving truck with granny attic also a attached trailer to be able to fully empty my storage, but this moving company did not use what i paid for, used a small local old shabby inadequate delivery truck with no trailer and did not fully empty my storage unit took only 1/4 of my things left 3/4 behind in the storage unit .also a lot of my things were missing and broken. they also did damaged & a colossal mess in the storage unit and left it with a pile of.debris The storage wants to charge me for what they did. I had to hire upack trailer to get the3/4 of my things left in my storage, because the owner of this moving company wanted to take my items to his warehouse to blackmail me for charges .also the 1/4 of my things they brought to my home in XXXX XXXX Id was held hostage in the shabby old local delivery truck. trying to extort me for XXXX more on top of the XXXX I all ready paid. The owner XXXX XXXX himself to another debit card i had .He was took my money by force from this other debit card I had with another prepaid company.But He wanted to take another XXXX by force, would not let his men unload my things from this shabby truck unless I gave him XXXX more, he wanted to make more money from me and there was no bill or extra service for this, just wanted to make more money from me, he use my things hostage to accomplish this. I had to tell his driver I would have to call the police if he did not unload my things off the truck I paid XXXX which is the service contact .Extortion is against the law I will not let him extort me for XXXX more that is not in the contact, the driver was scared of the police being called so the owner finally said to unload my XXXX off his truck. I told this supervisor this XXXX the owner was trying to Extort from me, holding my things hostage in the truck, he was lying using this XXXX as credit a he gave me .there was no XXXXcredit .This Supervisor after listening to me rudely stated to me did not care this moving company did not fully empty my storage If only one item was delivered to my house the moving company did their job and there was no error done. there were taking the word of the merchant that he gave me the XXXX credit even though there was no bill or paperwork to prove it .his verbal word was prove enough and it what they were taking as fact that he gave me this credit, nothing that I said matters to the dispute dept there was no error made so I would not be getting my XXXX back. I told this Supervisor this was not fair. I provided enough evidence, paper work .documentation to prove this moving company did not provide the moving service I paid for, committed fraud, federal violations which I filled a compliant with XXXX .their is missing broken items and this moving company does not even have the Insurance coverage i paid for in the XXXX service contract .This owner lied about that too, along with having arbitration mediation process which is a federal violation too .I also have to pay XXXX to upack company for their trailer that picked up my 3/4 of my items from my storage unit this moving company left behind in my storage unit. if do not pay upack they are going to dispose my things in the dump and take me to court for the bill plus storage fees running XXXX per month for the upack trailer that is now in XXXX XXXX XXXX UT .I need the XXXX to help me to pay this, this is the fault of this moving company for not emptying my storage leaving my things behind in the storage unit and this upack trailer had to be used to get my things out of the storage unit. This Supervisor at this point was furious with me and again stated there was no error made i will not be getting my XXXX back in my card and upack charges is not their business nothing to do with the owner of the moving company the decision favoring the moving company is final and there is nobody to speak to about this or no procedure or complaint to do about it, she did not let me say another word and hanged up on me. Since then I tried speaking with more Global cash card Supervisors about this i wanted to faxed more evidence to send to XXXX including the complaint I filled with CFPB against the other Debit Card Holder that I paid this moving complaint XXXX, this Debit card company wanted to take 120 days because the owner had not responded to the dispute I filled with them as well..after this complaint with the CFPB This Debit company Investigated my dispute and all my evidence and found this owner and moving company at fault of not providing moving service I paid for .the fraud and federal violations this moving company did, as well as breaking my items and no answer for the missing items no insurance.the owner of this moving company did not response to any of this or answer the dispute or 100 days dispute was opened. I tried to relate this all to Global Cash Card and tried to have them send this to XXXX XXXX for the XXXX dispute to show then there was a error and there is more evidence to prove it, but the Global Cah Card dispute dept will not speak to me about is very rude to me telling me have no time to speak to me, do not want to fax my evidence to XXXX XXXX and do not want to talk to me any more then they hang up on me, The last Supervisor I spoke with, told him I was going to file a complaint with CFPB because they were giving me no choice they were treating me unprofessional with disrespect and it was unfair that I will fight for my dispute I lost my XXXX to this moving company they did not provide what I paid for left my things in my storage I had to get upack to get my things out of storage that this moving company did not do. now I owe upack who has my things and will dispose my things and take me to court if I do not pay them this situation this moving company created .also broke a lot of my things and many missing items on top of it all no insurance which I pay for as well do not even get compensated for my things gone and broken. Then you dispute dept goes only on a word of this owner of this moving company this verbal statement that I got a fabricated XXXX credit with no paperwork to prove it. The Supervisor spoke loudly at me said did not want to talk to me anymore did not show that cared if I filled a complaint with CFPB treated it like this was not important then hanged up on me I have provided more then enough evidence and documentation needed for my dispute to be resolved. I filed a dispute on XX/XX/XXXX against XXXX California XXXX XXXX Owner XXXX XXXX Because they did not provide the service that I paid {$2400.00} for. They were supposed to empty my storage unit in XXXX, AZ. The size of the unit was 20X30 and 12 feet high. This moving company was supposed to provide full service packing and a 26 foot truck with a granny attic with an attached 12-15 foot trailer to be able to fully empty my storage unit. This moving company did a breach of contract did not provide full service or use a 26 long distance truck with granny attic and attached trailer .instead used a small shabby inadequate old local delivery truck, which could not fit all of my items from my storage, could only fit around 1/4 of my things in this small inadequate truck. most of my items were left behind in my storage unit This moving company had full access to my storage unit.on XX/XX/2018 because i was not present when they were in my storage unit i was in Idaho where i live waiting to have my things brought to me. The Owner of this moving company insisted I stay in Idaho not to go to XXXX Az, I did not need to be present when they were unloading my storage unit, this gave them full access to my storage for 3 days, which his workers stated breaking and tossing my things. around making a colossal mess in my storage unit, The owner commanded his drivers to do that because they were in a hurry and using my money to go to another job in XXXX  that was on the way to my house in Idaho.they were treating my load as if it was insignificant. treating my things as junk, did not pack anything or use protected materials for my items. I was supposed to have full service. I had some very valuable fragile things and collectible items in my storage that needed to be protected But they did not pack them and did not try to protect my items in the storage. Instead they were opening boxes and taking things apart. items that seem to be valuable to them are now missing was never deliver to me. So whatever they did not steal or take, they broke or left in the storage. It looked like the storage was vandalized they broke things and left it with a mountain pile of debris, now the storage unit wants to sue me for the damage that was done.by them. They were supposed to leave the storage clean and dump the trash where it needed to go but they did not do that .men left in charge took pictures of the debris and bad condition left and done to the storage unit also head driver took some pictures of my items that they damaged like my large ceramic panther 6x5 feet statue It was to hold glass coffee table top.also took pictures of 2 broken dressers. The owner order the driver to use this local mediocre truck for my load. when I found this our I immediate told him that is not what I paid for and my things in the storage would not even fit. in that small truck. He has to use a 26 truck with gammy attic with a trailer that he advertises in his web suite in order for my storage be emptied for all my things be taken, it was not going to work he needed to stop trying to my things in this small local truck.the owner was not listening to me then he said that I will take your items to my storage and I will just charge you whatever I want. He was in control of the situation that he would charge me whatever he wanted. I told him no then I had to get upack trailer as a urgent emergency So he would not take my things to his warehouse, where he would kept my things and blackmail me for unknown charge, which i would have to pay him or i would lose my things. The Owner order his men to threw my things in the upack trailer. Breaking more things. Two men were left behind in my storage to do that, while the other two drivers left to bring the small truck with my 1/4 of my things to my house. The two men left in my storage were carelessly putting my things in the unpack trailer. They did not load it in correctly they went over the line that they were not supposed to go over. Unpack is charging me an extra fee for that as well because they violated upack company rules. The 1/4 of my things that they did bring to my house was also broken in that small inadequate shabby old local delivery truck. the two drivers that came to my house with this small truck were holding my things hostage blackmailing me stating that they were order by the owner XXXX not to unload the truck unless they got {$1900.00} more.the Owner XXXX was using extortion to get more money from me I had to tell them I would have to call the police this was against the law So after around 3 hours standing on my front pouch the driver got the Owner on the phone and he said for them to get my XXXX of the truck and he took forced {$700.00} more from my card, then the driver was order to give me paperwork. that I had never seen before or given when I first paid the XXXX was being forced to sign paperwork that I did not know was I was signing or would not be getting copes of what I was signing .the driver told me if I did not sign this paperwork he could not unload my things off the truck. Again I was being blackmail to sign this paperwork or I would not get my things ' .I told him I did not want to sign anything without knowing what I was signing or not getting copes of what I signed. the driver kept demanding if I did not sign he will not unload the truck .It was almost midnight I was forced to sign this paper work and all I got was a pamphlet of arbitration.which I found out later that this moving company is not even a member of, passing this to his customers false pretense because is required by law that moving company 's have to have arbitration this is a federal violation not to have it and this moving company is doing this violation. After all of this they finally started to unload my things it was almost midnight. I had told the driver not to come that late. this is a nice residence neighborhood .They were unpacking things in the middle of the night and this was XXXX weekend. and our neighbors were getting angry., They were dumping everything on my front lawn.Dressers mirrors were broken among other broken items .it started raining and all of our family things were all over the lawn getting wet and ruined in the rain. In the morning my landlord was very upset. It jeopardized my home because all the things were just dumped on my front laws, the neighbors were upset and the landlord was very upset we had to claim our landlord down, we had to tell him would get our things off the grass as soon as we could. I started calling the owner XXXX about all of this and he would not answer the phone, he refused to talk to me on the phone or respond to about the missing and broken items and the whole ordeal. I told him that he was responsible for the upack charges because he did not provide the full service I paid him for and did not take all my items, things from my storage. he was suppose to empty completely the storage and leave the storage clean, I told him it was breach of contract and I wanted to know where the other missing items were and he did not respond to it. He started sending abusive text messages to me almost every day became he found out I filed a disputes on my two cards he took my money out of. because one of my card holder inform him and they took the money out of his account and put it on hold. He found out and he was very abusive and sending abusive and threatening text messages every day to me and my family. He did say that he was going to send a claim for insurance but he never did. So, I had to contact an attorney and all I could afford was to get the information on the insurance company's.name and number, I contacted the insurance company they stated Al did not have this insurance claim that he claimed that he did. XXXX  also did not have the mediation company that he is supposed to provide to all customers by federal law. XXXX XXXX XXXX company XXXX stated that XXXX is not a member and has not paid his fees a for over a year now. XXXX has not been part of XXXX. But he is passing out these pamphlets of XXXX stating that he has this mediation. Because by federal law all moving companies have to have the mediation services or it is a federal violation. I also filed a complaint with the XXXX XXXX XXXX XXXX XXXX ( XXXX ) because XXXX violated federal violations he is under investigation and if they find him at fault he may lose his license to go out of state. I provided all of this documentation and evidence to Global Cash Card and constantly let them know that the owner of the moving company had been sending me threatening and harassing text messages and would not respond to where the missing items were and how my items got broken. Since XXXX would not speak to me on the phone I had to send him a text telling him if he did not return the money that he forcefully took out of my debit cards .so I could pay upack company that has my items in their trailer, The items that I paid him XXXX in a service contract to take out of my storage unit and he purposely left my things behind.in the storage unit He credited the urgent need to get upack He credited this situation. He did not provide the service i paid him to fully emptying my storage unit and not to leave nothing behind. he promised me he would not leave nothing in the storage unit He gave me his XXXX word on it. He lied to me and left 3./4 of my things in the storage .so He made himself liable for my things and all the charges for upack I would was holding him liable for all the upack changes and for any loss of my things. Al then send me another abusive text to tell me, do what you have to do I dont care. I will do what I have to do. Global Cash Card claim that they notified the owner AL of the moving company about the XXXX dispute. Al claim he gave me a XXXX credit, Global Cash Card just took his word on it .XXXX did not provide any bills or paperwork of any kind to prove this just his verbal word. XXXX lied to the dispute dept and XXXX XXXX.there was no XXXX credit he fabricated this XXXX credit, to cover the fact he did not provide the full moving service & insurance I paid for. The fact there was a lot of missing items not answered for and many broken items his men broke .XXXX used the XXXX he was trying to extort me to make more money from me, holding my items hostage in the delivery truck till i pay him the XXXX .XXXX lied that he gave me this XXXX credit so I would lose the dispute and he could kept my money. I ask to speak with the highest XXXX available I keep requesting for them to let me fax my evidence for XXXX and the back office which marked the decisions to get my recorded messages so that they know the urgency of it and I need the money to pay upack before XX/XX/XXXX or they will get rid of my things and take me to court for the Pickup which is {$2600.00} and they have been charging me storage fees for 3 months {$500.00} each month and then now for XX/XX/XXXX it is {$900.00}. But I am not able to pay them because XXXX forcefully took my money of XXXX from this card and XXXX from another debit card I have been waiting for the dispute to be settled.to have the money to pay upack company. I asked them to tell someone in the back office this information. I feel that they are responsible for all these charges because they not looked ay my evidence documentation taken my dispute seriously, mishandled my dispute dragged my dispute close to 90days and then taken only the verbal word of the XXXX   XXXX XXXX XXXX California XXXX XXXX giving him all the lead way, favoring and partial to the merchant displaying a policy supporting the merchant verse the card holder. I have spoken with many supervisors but they are only rude. unprofessional treat me with no respect tell me do not want to talk to me and do not let me talk and disconnect the call. I do not think all of this is ethnical, right or legal to do this. I fell Global Cash Card are responsible for the upack charges and the value of all of my things that I am going to lose if I dont pay them by XX/XX/XXXX them right now {$2600.00}.. They want the pick up and the delivery fees now. They sent a letter to my email that I have to pay them the pick-up fees of {$2600.00} by XX/XX/XXXX or I will lose all my things and they said that they would hire an attorney and take me to court. I feel that Global Cash Card is responsible for all of this by not resolving my dispute and returning my money. I want this resolved now and I want my money returned back to my card. I advised their Global Cash Card manager that I would be filling a complaint with CFPB to get help with getting my XXXX back that was unfairly unjustified unethically taken from me. I spoke with 3 supervisors from CFPB who read me the laws .regulations to resolve the dispute or for the provisional credit Global Cash Card is violating the law and purposely not wanting to resolve my dispute and NOT wanting to give me the provisional credit putting me though this duress This is the reason for submitting this complaint with the CFPB. I want the credit of the XXXX now on my card. Or I will have to take Global Cash Card to court. I want my provisional credit so that I wont have to do legal action to them because of losing my things and the charges from unpack. It is going to cost way more for the lost of my collectables and the items. My items are way more valuable that the XXXX the charges for upack are going to be way more than the {$500.00}. I dont feel that they treated me as their customer and they have been cruel. They have made my family medically ill. They have caused financial, emotional and medical duress dragging this on.","date_sent_to_company":"2018-10-15T20:25:21.000Z","issue":"Problem with a purchase or transfer","sub_product":"Payroll card","zip_code":"83647","tags":null,"has_narrative":true,"complaint_id":"2965162","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ADP, LLC","date_received":"2018-07-17T09:04:21.000Z","state":"ID","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["cruel, unprofessional short timbered inpatient to me treating me as if I did not matter, a nuisance unimportant to them. the dispute office would not speak to me did not <em>want</em> to <em>give</em> me any information or reason why they where favoring my dispute to this <em>merchant</em>. i had to over and over insist to <em>give</em> me a reason, i was transferred to many supervisors who did not <em>want</em> to <em>give</em> me a reason just kept stating, there was no <em>error</em> and i would not be getting my XXXX back. finally last supervisor told me"]},"sort":[13.949375,"2965162"]},{"_index":"complaint-public-v1","_id":"3422085","_score":13.712803,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Re : Fraudulent use of our American Express card by the merchant : XXXX XXXX XXXX on XX/XX/XXXX, and AMEX refusal to correct it. \nAMEX card charged : {$820.00} The company XXXX XXXX XXXX has double-charged our company for a single stay in their XXXX XXXX, CA location ( XXXX ) XXXX. The manager is XXXX XXXX of that location. We have complained about this to the American Express credit card company regarding this, but they have ignored us and are forcing us to pay for both amounts, refusing to look at the fact that we have NOT authorized the second charge, thus making it fraudulent. To this day the American Express and the Merchant refuse to give us any proof of purchase for the second charge ( double charge ) but have forced us to pay. \n\nHistory : On XX/XX/XXXX, our company has made a purchase for a seven-night stay ( from XX/XX/XXXX XX/XX/XXXX ) at the XXXX XXXX XXXX XXXX XXXX, CA location hotel for one of its employees. We subsequently have gotten a confirmation email and were happy with the purchase. \n\nTo our bewilderment, the next day, the American Express messaged us that the large purchase has been made for another identical amount of {$820.00}. We were thus charged twice for the same stay at the hotel. \n\nXXXX has immediately contacted XXXX XXXX in XXXX XXXX only to learn that they do not process such requests, and we needed to call their HQ in XXXX, NC to get this straighten out. Since it was late on Friday, the HQ was closed, and XXXX was forced to call them on Monday only to learn that the purchases were NOT refundable. The merchant refused to acknowledge the fact that it was their technical error that has caused a double charge evidenced by only one purchase receipt ( email ) sent out by their system to XXXX, for only ONE guest staying in the same hotel on the same seven-night stay ( therefore one person could not have stayed at two rooms simultaneously ). \n\nOut of desperation, XXXX has reached and talked to the XXXX XXXX property Manager, who oddly and perhaps in retrospect very telling, has refused to accept the company 's mistake. We have also reached out to the American Express, but they refuse to credit it on the card. \n\nThe Manager called us and left a voice mail ( we have that file for review if needed ) 14 days before the actual date of stay acknowledging that there was a double charge and she wanted to make sure that there were not two rooms reserved under the same name. We have called back and confirmed the double charge by their system. The reservation was made with a cancellation policy on the day of arrival ( XX/XX/XXXX before XXXX XXXX  ). Since we have talked to her and canceled double charge by XXXX XXXX on the XXXX of XXXX, the second charge should have been credited. But was not. \n\nPLEASE read the CANCELLATION POLICY on a receipt ( proof of purchase ) - attached Thank you for reading it.","date_sent_to_company":"2019-10-29T23:22:15.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"83702","tags":null,"has_narrative":true,"complaint_id":"3422085","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-10-29T22:07:40.000Z","state":"ID","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["The <em>merchant</em> refused to acknowledge the fact that it was their technical <em>error</em> that has caused a double charge evidenced by <em>only</em> one purchase receipt ( email ) sent out by their system to XXXX, for <em>only</em> ONE guest staying in the same hotel on the same seven-night stay ( therefore one person could not have stayed at two rooms simultaneously )."]},"sort":[13.712803,"3422085"]},{"_index":"complaint-public-v1","_id":"10587215","_score":13.708634,"_source":{"product":"Credit card","complaint_what_happened":"We are writing this inquiry to request to file a complaint on a dispute with Costco Citi Cards with Citibank Corporation for not reimbursing our funds back on a Disputes Claim that was made on our card, this transaction is from XX/XX/year>, with merchant, XXXX XXXX. In regard to this case there was a large transaction in the amount of {$21000.00} divided and charged on 4 Citibank cards and totaling 5 transactions occurring with this merchant. All together these. 4 of these 5 transactions were investigated for months all by Citibank. And were ruled in our favor as Citibank ruled it as there being an error. We will attempt to Attach the banks decision & copies of all four disputes and the correction and acceptance of our claim through Citibank. However, on this card in the transaction amount of, {$2700.00} our claim and request for our funds back was not granted. We believe there has been an error on whatever investigation was completed on this specific card as we used four different Citibank cards on this large transaction and all of them conducted their own investigations, and all have mutually agreed there has been an error. This transaction is in the amount of {$2700.00} .We have sent documents, we have sent proof, all our other cards through Citibank have agreed this has been fraud however we believe whatever investigation occurred with this card was not completed correctly, which the others were. The claims made were all for the same matter with the same merchant and with the same bank. We are asking for this to be resolved, revised and urge you to refer to anyone else that looked into this matter through Citibank 's investigation which we are attaching all other case numbers affiliated with this specific transaction that amounted {$21000.00} in fraud all together. Citibank has returned close to {$18000.00} so far and we are hoping Citibank can recuperate the full amount of the fraud that occurred with this merchant. Below is the last message we sent. \n\nDispute/Case # XXXX : {$2700.00} The purpose of this letter is to request to send back the dispute listed above and to please review it. The dispute was submitted on the same day along with another 4 disputes for the amounts listed below : Dispute/Case # XXXXAmount : {$5200.00} XXXXAmount : {$7000.00} XXXXAmount : {$6000.00} XXXXAmount : {$250.00} The five disputes are related to the same matter against XXXX, XXXX XXXX XXXX  ( XXXX XXXX XXXX ) . Unfortunately Costco Visa Card did not approve our credit back for the amount of {$2700.00} stating the merchant bank refused to give us our money back, however we received a letter letting us know Citicards were going to review our dispute again. After multiple calls Citicards continue denying the credit of the transaction of {$2700.00}, despite of all evidences and proofs submitted in the last few months.\n\nPlease see along to this letter, the outcome of the 4 disputes were submitted on the same day and related to the same matter ( listed above ), all of them were approved and resolved successfully getting our money back.\n\nWe want you to know, all of these disputes and also the # XXXX for the amount of {$250.00} that was approved on your end also getting our credit back gratifyingly, are all about the same event happened with the fraudulent merchant XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). \n\nW\n\ne sincerely request to you to review again the only dispute has not been resolved since all of them are related to the same episode. We truly appreciate your hard work on our end to make this credit happen. Thank you for your attention in this matter. \n\nXXXX and XXXX XXXX We have also attached the status of the claims that were approved for the same transaction.","date_sent_to_company":"2024-10-26T20:07:37.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33484","tags":"Older American","has_narrative":true,"complaint_id":"10587215","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-10-26T19:48:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["We <em>want</em> you to know, all of these disputes and also the # XXXX for the amount of {$250.00} that was approved on your end also getting our credit back gratifyingly, are all about the same event happened with the fraudulent <em>merchant</em> XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). \n\nW\n\ne sincerely request to you to review again the <em>only</em> dispute has not been resolved since all of them are related to the same episode. We truly appreciate your hard work on our end to make this credit happen."]},"sort":[13.708634,"10587215"]},{"_index":"complaint-public-v1","_id":"2771211","_score":13.545715,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I had a XXXX XXXX XXXX called XXXX XXXX done. I used my Bank of America Cash Rewards card for the treatment. The cost of the procedure was XXXX.The procedure involves XXXX XXXX XXXX XXXX. It is a slow process which takes 90-120  days to see the full results.  Some people require multiple sessions to get results.The company I choose gave a \"satisfaction guarantee\" which would allow you to be retreated for free on the 5th month or get your money back if you did not get your desired results. I had 3 different consultations but the merchant I selected was the only one to offer a money back guarantee or a re treatment guarantee. During the procedure the machine malfunctioned and shut down and the provider could not restart the machine. I let the provider know I was skeptical but he reassured me that I would still get great results and worse case scenario he would retreat me on the 5th month for free.On XX/XX/XXXX I contacted the merchant and advised them I didn't get results and that I wanted to be retreated for free. I called the merchant and they did not want to honor the guarantee. At this time I submitted a dispute on my bank of America Credit card. On XX/XX/XXXX I received a letter from Bank of America denying the claim which stated, \"We understand that you weren't satisfied with the outcome of the service the merchantprovided, but they have the right to receive payment for any services that were rendered.\"I called B of A  on or about XXXX advising them that I had never disputed not getting the service and stating I wanted the claim reopened. I was advised to contact the merchant again and try to work it out directly with the merchant. I was advised by B of A representative that the claim was open under the wrong reason. Next, I contacted the merchant directly again on XX/XX/XXXX. I was able to get an agreement over the phone from the merchant that he would retreat me. I asked the owner, XXXX XXXX, to provide with with the agreement in writing and he did so in email. The email stated that I needed to contact the office back on XXXX to coordinate a date in XXXX that I could be retreated for free and apologizing for the incident.  I contact the merchant a total of 5 or more times via phone and email and did not get a response. After not getting any response from the merchant I contacted B of A back on XX/XX/XXXX advising them I would like to reopen the claim. The representative stated that they would reopen the case and I needed to submit a sworn statement they had sent me and any additional details.  I was out of town for my Anniversary and advise her that I would submit ASAP when I got back in town as I had no access to a fax or computer. I submitted by the deadline on XX/XX/XXXX and also provided them with the email I received from the owner.However, on XX/XX/XXXX I received another letter stating the claim was denied. I called B of A back on XX/XX/XXXX and I was advised to disregard the notice. I was advised that the case was closed and reopened on the same day. I was advised that sometimes documents can take up to 48 hours to show up in their system and my documents had been received and the case was reopened. On XX/XX/XXXX Claim ID XXXX online showed that the claim was being reviewed and I was advised the claim was open. On XXXX I contacted B of A as I learned the merchant had filed for bankruptcy. I inquired if they could \"expedite\" the process due to the situation. I was advised by B of A that there was nothing they could do and that the merchant would have to be allowed 60 days to respond. I was advised that if the merchant did not respond I would automatically win my dispute and receive my XXXX  back. I was advised that the bankruptcy would have no bearing if I received my money back or not. I called B of A back on XX/XX/XXXX to see if the merchant had responded. I was advised that the merchant has yet to respond. I also was advised that the majority of times when the merchant is bankrupt they do not respond and I would most likely win by default. I also informed B of A of the companies poor reviews online and requested they update my case which the girl said she did. On XX/XX/XXXX I called B of A back and I was advised that my case had been closed. I stated I had not received any correspondence. The representative stated that my case was closed back on XX/XX/XXXX. I stated that it was closed and reopened on the same day. I informed her that I had spoken to several other representatives and they also confirmed my case was reopened and I said I was calling back to check the status. Also on their website it stated 4 different Claim ID's from XX/XX/XXXX-XX/XX/XXXX that showed that they were researching my claim;  XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXThe representative still advised me my case had been closed on XX/XX/XXXX and never reopened. She stated that my case was not reopened correctly the 2nd time and that I needed to get a 2nd opinion and sign another form stating I was still disputing the case. I advised her that this was the first time I was hearing about this. None the less I did as B of A required. B of A gave me a deadline of XX/XX/XXXX to have my documents submitted, yes they made my deadline XXXX Day. I had to contact 3 different merchants until I found one that was willing to give me a 2nd opinion.I provided B of A a 2nd opinion letter stating the procedure had been done incorrectly and needed to be done.  I completed all my documents and paid for express mailing. UPS tracking # XXXX XXXX XXXX  XXXX XXXX XXXX. Although, My documents were received before the deadline given B of A closed my case on XX/XX/XXXX. Again, I contacted B of A back on XX/XX/XXXX asking why my case was closed before the deadline they had given me. I could not get a straight answer and they would submit a research form. How can they give me a deadline and close the claim before the due date? B of A advised me that it was out of time frame that they could charge back the merchant account. They also advised me that the email I had submitted from the owner (over  months earlier) would not be considered since it was not on company letter head.  I stated the time frame had lapsed due to the bank numerous errors and why would they wait over 2 months to tell me that information I provided wouldn't be considered. I could have attempted to correct the situation. I requested to speak with a supervisor. The supervisor could also not give me clear answers. She only stated that it was past the time frame I could get my money back and there was nothing else they could do. To date Claim ID XXXX, XXXX, and XXXX all show online that they are \"researching claim\" and all occurred from XXXX-XXXX time frame on or after the date my case was closed again on XXXX. Why would they be researching a closed claim? Nobody can tell me and all state that there is nothing else can be done. Again, the  original claim was admittedly opened incorrectly on XXXX by B of A and merchant was never contacted. Additionally, my procedure was not completed by the merchant and I should have been retreated around mid XXXX. Email from merchant confirms this. B of A closed my case apparently back on XXXX and lead me to believe through online and multiple representatives that the case was still opened up until XX/XX/XXXX. Than again they allowed me to reopen my case on XXXX because the re treatment date was within 90 days of my \"new claim\". They gave me a deadline of XX/XX/XXXX to submit documents but closed the case early again on XX/XX/XXXX. Than when I followed up with them on XX/XX/XXXX they stated the email I submitted over 2 months prior would not be considered since it wasn't on company letter head. I would like your assistance getting my money back due to the mishandling and miscommunication of my claim by Bank of America.","date_sent_to_company":"2018-01-03T22:51:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"850XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2771211","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-01-03T22:41:17.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I let the provider know I was skeptical but he reassured me that I would still get great results and worse case scenario he would retreat me on the 5th month for free.On XX/XX/XXXX I contacted the <em>merchant</em> and advised them I didn't get results and that I <em>wanted</em> to be retreated for free. I called the <em>merchant</em> and they did not <em>want</em> to honor the guarantee. At this time I submitted a dispute on my bank of America Credit card."]},"sort":[13.545715,"2771211"]},{"_index":"complaint-public-v1","_id":"13128893","_score":13.51417,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX. 2025 I placed an order with the merchant XXXX Corporation for a same day delivery order in the amount of {$240.00}. The order was almost immediately cancelled by XXXX due to what they called a technical error. No payment should have ever been taken from me for this cancelled order. As of today, XX/XX/year>, I have not only still not received my {$240.00} back that was initially authorized at the time of this purchase, but I was also subsequently double charged for this same cancelled order five days AFTER its cancellation by Target for an additional {$240.00}, bringing the total theyre currently holding from me up to {$480.00} for a cancelled order. I have contacted both XXXX and my bank ( XXXX XXXX ) multiple times over the last three weeks attempting to get my money back but they both keep telling me the other one needs to stop the authorizations to my account, they cant do anything to stop it. The bank is telling me every time I call that they dont have any fraud protocol in place to be able to help me, they have no ability to manually remove these authorizations because the merchant keeps reauthorizing them over and over which in turn keeps resetting the time clock on when the newest pending authorization will expire off, thus never allowing the transaction to fully settle so that I could dispute it, but allowing them to continue to charge my account whenever they choose to and take more of my money away from me indefinitely. Customer service is a nightmare, they hang up on me, refuse to let me speak to any member of management or give me any corporate office contact information, or they outright lie to me and just make up a date the newest authorization will supposedly fall off. But it never does, because they refuse to manually remove it or block the merchant from accessing my account, they just keep telling me they have protocol in place and so they cant do anything to help me get my money back. Because of this nightmare my account ended up getting put {$160.00} into the negative for almost a week, which barred me from being able to pay several of my bills on time during the last several weeks this has been going on, resulting in multiple late fees and both my home internet and cell phone services being turned off for almost a week because I couldnt pay them on time thanks to Current continuing to allow this to happen over and over again for weeks despite my many attempts to contact them to get it stopped, and their absolute denial of any responsibility in the matter, their own admitted complete lack of any type of fraud prevention protocol, and their inability or refusal to manually remove these charges from my account, return my money to me, and stop it from happening. All theyve done is pass the buck back and forth with the merchant, both saying the other is at fault and nobody ever actually fixing the issue. They have boldface lied to me, hung up on me, and completely brushed off my concerns the entire time this has been going on. I want my money that I am rightfully owed returned to me, and I want Current to have to cover any late fees I have and/or will incur for any of my expenses due to their inability to deliver on their advertised services and their complete lack of any protocol or support to help their customers in instances of fraud. They not only do not help in these instances, they actually hinder their customers attempts to circumvent fraud from reoccurring on their account. They actively help merchants continue any fraudulent behaviors against their own customers and hinder the customer at every possible step of the way in trying to stop fraudulent transactions from being able to negatively affect their bank accounts.","date_sent_to_company":"2025-04-22T07:28:25.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"139XX","tags":null,"has_narrative":true,"complaint_id":"13128893","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2025-04-22T07:01:03.000Z","state":"NY","company_public_response":null,"sub_issue":"Can't stop withdrawals from your account"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX. 2025 I placed an order with the <em>merchant</em> XXXX Corporation for a same day delivery order in the amount of {$240.00}. The order was almost immediately cancelled by XXXX due to what they called a technical <em>error</em>. No payment should have ever been taken from me for this cancelled order."]},"sort":[13.51417,"13128893"]},{"_index":"complaint-public-v1","_id":"8849133","_score":13.460207,"_source":{"product":"Credit card","complaint_what_happened":"I never filed a fraud claim. The CFPB and Synchrony can both see that my position throughout these disputes has been that of a merchant billing error not fraud. Previously filed disputes which are being denied for different/incorrect reasons, the most recent response now again states that the delivery slip was signed and that merchant provided delivery notifications from XXXX, for the previous dispute I filed through the CFPB I was provided the following reason for denial \" regarding your question of a signed sales slip, please note that by completing the online check out you electronically authorized the purchase, a physical signature was not required ''. This is after I requested a copy of the signature they used to deny, which they are now again stating they have. They also previously told me \" additionally, in regard to your inquiry regarding XXXX, please be advised, delivery of merchandise is by arrangement between the merchant and the customer, we can not comment on the process of vendors used by the merchant ''. In another complaint they state that they are not responsible after delivery confirmation despite me providing the same delivery notices for the same packages which showed that delivery would be attempted after dates which merchant attempted to confirm, the merchant has now contradicted their findings multiple times regarding the signed delivery slip which I have now been requesting for over 6 months, and also stating that they are unable to comment on delivery processes by the merchant and vendor, in the most recent response they stated that a representative responded with the XXXX notices that were available at this time however this is incorrect as I provided notices showing I either wasn't available at the time of final delivery or that they would reattempt. I would also now like Synchrony to provide documentation of when I alerted them to fraud on the account as my issue has always been not receiving the merchandise which was supposed to be delivered to me, XXXX also has again failed to address the Rooms to Go policy of financing orders not being charged until furniture is accepted into your home, I would like to understand if you are now saying this is not true as this is what was advertised to me before making the purchases, however as I did not accept or receive any furniture into my home, I should not be charged per the policy provided by you. You may keep saying your position remains the same and I will continue to let you know mine does as well. None of your reasons for denial have ever made sense and I have always provided evidence to support my claims and disprove yours. Now that you have again said there was a signed delivery slip, I want it provided to me with a date and time as that should be recorded, I also want to know why you were able to review XXXX notices to deny my claim but aren't able to acknowledge the notices I provided as proof which support my claim, at this point your actions seem discriminatory, prejudicial, and biased. To further point out the incompetence and disregard this dispute has been handled with, in response to my complaint sent XXXX, the signed delivery slip which was provided was for an item which is not being disputed as it not only doesn't match the amounts or dates of the purchases I disputed, but XXXX of the items actually has a forged signature which had to have been signed by Rooms to Go themselves, again neither of the items which a delivery receipt was provided for were disputed or relate to this dispute, I never disputed or referenced these items and you are now attempting to use delivery receipts with no signature ( except one which definitely was not signed by me ) to deny a dispute referencing other items,, I will be awaiting a response and would strongly advise you to revisit my previous disputes and your responses in order to give an accurate response. I am not going to go out of my way to attach the documents again as it is very clear to me you do not take any proof a consumer provides into consideration however you are able to view the documents with any of my previous complaints. I again never filed a fraud claim, you have again stated that a fraud investigation was done and this was not the dispute filed by me, you have not addressed why you attached a signed delivery slip that not only was not signed by me but also is for a separate delivery and why you are attempting to pass this off as a confirmation for a separate delivery. Response not sufficient and dispute is not fraud related, it is related to merchandise which was never delivered/received.","date_sent_to_company":"2024-04-25T01:40:57.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"78254","tags":null,"has_narrative":true,"complaint_id":"8849133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-04-25T01:31:20.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The CFPB and Synchrony can both see that my position throughout these disputes has been that of a <em>merchant</em> billing <em>error</em> not fraud."]},"sort":[13.460207,"8849133"]},{"_index":"complaint-public-v1","_id":"12661658","_score":13.358136,"_source":{"product":"Checking or savings account","complaint_what_happened":"I'm going to try to make this short this is actually about their XXXX XXXX she has been caught being misleading on purposely covering up the truth saying that I opt out over the phone XX/XX/XXXX or XXXX XXXX XXXX the misleading part is that was part of a conversation I was having about debit cards being replaced second misleading her answer to a complaint I have filed on XX/XX/XXXX she has in writing that I was unenrolled XX/XX/XXXX never never happened so which date is the actual date if I unenrolled as she say XXXX the XXXX XXXX why is it still possible that when I called customer service on XX/XX/XXXX that they still have me in the system as unenrolling from the debit card overdraft XXXX XXXX my concern is the XXXX XXXX XXXX XXXX me that all these complaints come to her and essentially bragging she gets to be the only XXXX to see these complaints my concern is a financial sector which deals with a lot of money citizens Bank is XXXX over {$10.00} XXXX she has plenty of opportunity and time to be deceiving and I am speaking on my personal experience with this XXXX XXXX. Citizens Bankshould have someone a customer can call and make aware of the suspicious and audacious behavior of this XXXX XXXX. XXXX the XXXX at citizens Bank share it with me also that she gets to see all the complaints. When I was told that my XXXX previous claims were denied she said I had no other alternative to turn to the money that was freely given to the merchant was to me a lot of money when it was mistakenly given on an error from the merchant the XXXX XXXX should have pointed out maybe you should do a merchant dispute she did not another employee I consider following the code of ethics conduct of citizens Bank was very helpful the question is I want XXXX the XXXX of citizens Bank too supply me or the public in XXXX who has concerns about your work ethic with a name and number I can call about my concerns how she handled my account. Because as she stated all these complaints go to her she's not accountable it appears to anyone she has time and opportunity to misdirect or basically direct employees up under her who I think fear for their jobs I can sometimes hear it in their voice because the only thing they can say is the bank 's discretion it appears she is undermining the bank 's reputation making the bank citizens Bank suspect of allowing fraudulent and XXXX authorized transactions get by not following a thorough and complete investigation suspicious activity involving a lot of money it's only made known to the XXXX XXXX so she can spend the directive how she wants who's in charge the XXXX XXXX I want another OOC outside of XXXX who respects their job title and can I abide by their code of ethics. I said I was not going to go off the rail but I must during my fraud investigation I have a letter from the fraud department I need not submit anymore information if needed they will contact me well in actuality I hadn't submitted anything at that point how you going to do a thorough investigation and you have nothing to go on I'm just saying for the record I don't know whether I said to earlier in this complaint but what was suspicious to me is that XXXX the XXXX of citizens Bank wanted me to give her the same documentation I was giving to their fraud department I say this to say she wanted to spend the directive her favor. So again I want my money returned that was misappropriated from the elderly that's me and that's called elder abuse secondly I want documentation from when I first signed up that I was not opt into over draft protection I want documentation that I was opt into overdraft protection and I'm going to repeat XXXX more time I need a number so I can get in contact with someone when I am not satisfied with the XXXX XXXX 's shenanigans that's what I'm calling them shenanigans and her outright lies she done been caught in XXXX lies already lying to a federal government agency and me I am not afraid of you like it appears your employees are that work up under you it appears that you have fear in them I was in a work situation with a lot of persons from the XXXX and those people were afraid because they were sponsored to come here they were afraid because the ones that sponsored them had them living XXXX to a house they were holding their documents they're driving license and passports so they did any and everything that these sponsors ask them to do I don't know whether that's the situation with citizens Bank because it appears to replicate the situation I was familiar with 35 years ago so the phone Representatives sound XXXX I don't know but it sound like it. I know of a situation that happened about 35 years ago so things have not changed that much from 35 years ago when these sponsors submit fear in these peoples that you have come from their XXXX to make a better life for themselves and their families","date_sent_to_company":"2025-03-24T02:00:56.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"48135","tags":"Older American","has_narrative":true,"complaint_id":"12661658","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2025-03-24T01:04:03.000Z","state":"MI","company_public_response":null,"sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["her the same documentation I was <em>giving</em> to their fraud department I say this to say she <em>wanted</em> to spend the directive her favor."]},"sort":[13.358136,"12661658"]},{"_index":"complaint-public-v1","_id":"2735637","_score":13.048185,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On a previous complaint, XXXX stated : ***** Because the documentation you provided was not directly from the merchants online advertisement or catalog, we contacted the merchant regarding the advertisement you provided and they were unable to verify that they advertised the lower price. \n***** To fix this, I submitted another claim now directly from the merchant website. \n\nClaim number is XXXX this time DIRECTLY from the merchant 's online website catalog, not from the app anymore ( even though the app is official merchant 's online catalog as well ). \n\nThis claim was also denied. The reason is also vague as the previous ones, citing price ca n't be verified. \n\nThe submitted price was a nationwide in-store only sale at XXXX. A simple XXXX search will confirm that. Even myself was able to purchase one for that price before. \nCiti denied this price protection, just like all the other 3 claims I submitted with different prices and different stores. I submitted this claim to confirm my suspicion that Citi is denying all claims related to XXXX, even without proper research. \n\nXXXX needs to explain why it is denying all and any price protections from XXXX, regardless if it 's the official website or their app. XXXX is not in the list of exclusions, however Citi is excluding it if the price difference is above a certain threshold, even though XXXX advertised the price and is valid. \n\nXXXX HAS NOT released any notice that they are having pricing issues in their website and app, and the store HAS NOT removed the ad, which is STILL available in the website at the time of this writting. XXXX chat confirmed they are not having any pricing issues ( see below ). \n\nTherefore, the denials from Citi are the only thing invalid.\nIt amazes me that Citi can deny as they please, and they do n't suffer any consequence from the government. The benefit is not being honored as written in the Terms. \nI 'm looking for someone in the media to write a report about that. \n\nXXXX XXXX : Thanks for chatting with XXXX! Im XXXX XXXX and Ill be assisting you today. \nXXXX XXXX : Hi, are you aware of any pricing issues in your website and app for the past few days, showing prices that are not correct? \nXXXX XXXX : Hi XXXX, Thank you for contacting XXXX. XXXX I 'll be happy to help you with your request, in this case may i have more information about this issue? \nXXXX XXXX : I searched the inventory for a store, in fact the price is still available. I just need to know if the {$99.00} price is invalid, or if the price was set by the store. The link is : XXXX XXXX XXXX XXXX XXXX XXXX : i need a minute to verify this information ok XXXX? \nXXXX XXXX : Thank you. I do n't need to know if it 's in stock or not. I just need to confirm if you are having pricing issues and if this price is not an error, but maybe just a clearance price. \nXXXX XXXX : great thanks XXXX XXXX XXXX : thank you for your holding on me i already verify the information that you give me before and i work in this concern with our support team, and they let me know that this could be an offer placed by the stores currently to the XXXX Friday promotions, XXXX XXXX : in this case XXXX can not apply for the promotions in stores, because we have another type of offers, i apologize for the inconvenient, but i 'm happy because you let me give you this information XXXX XXXX : after this information may i help you with something else XXXX? \nXXXX XXXX : I understand, I just wanted to know if you have anything there saying that this price was an error and is not valid. You do n't have that as I understood from your message, correct? \nXXXX XXXX : sorry for the inconvenient, i got it right now, i apologize for the issue, but in this case yes all the prices are the correct ones XXXX XXXX : you do n't have to worry about some wrong price XXXX XXXX : Ok, thank you, today is XXXX XXXX 2017, correct? \nXXXX XXXX : i check that too with our team support, yes that is right okay XX/XX/XXXX XXXX XXXX : Thank you XXXX XXXX : Do you have a reference number for this chat XXXX XXXX : may i help you with something else? \nXXXX XXXX : Do you have a reference number for this chat? \nXXXX XXXX : yes, i need a moment to get this number ok XXXX. \nXXXX XXXX : Yes, thank you XXXX XXXX : i will give it in a minute, great thanks XXXX XXXX : this is the reference number for this chat XXXX if you have any question you can contacting us back with this number, may i help you with something else XXXX? \nXXXX XXXX : No, thank you XXXX XXXX : You are welcome, I just understand your concern as a customer and wanted to provide you the best resolution to your case. \nXXXX XXXX : Just as a heads up, it will be a survey through your email, the first question is to grade your experience using XXXX and the second one to qualify my performance, it will mean a lot to me if you may complete the part of my service. \nXXXX XXXX : Id like to thank you for your business with XXXX, without it I wouldnt be here, so thank you. 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