{"took":153,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":447,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10786360","_score":19.107151,"_source":{"product":"Checking or savings account","complaint_what_happened":"I attended a conference at XXXX XXXX XXXX in California. I cleared my charges on XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  ( today ) I received additional charges. I called XXXX and finance manager informed me this change is an incremental hold, it was released by them XXXX XX/XX/year> when I left the resort and an error of the bank to place it today. XXXX finance division provided me with documentation as such. My bank Navy Federal will not release this hold, is saying that it is on the merchant despite the merchant saying they have no holds and released all holds when I cleared three days ago. There is XXXX being held by bank, I have had to move money to prevent my account from going into the negative. My concern is now I will be charged overdraft fees and not having funds to pay other debts due to this error, and getting charged for those fees as well for what the merchant says is error on the part of the bank and the bank says is an error the part of the merchant. That leaves me the consumer with XXXX of my money in essence held hostage with no recourse except to wait a few days.","date_sent_to_company":"2024-11-13T18:27:34.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"017XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10786360","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-11-13T17:57:50.000Z","state":"MA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["My concern is now I will be charged overdraft fees and not having funds to pay other debts due to this <em>error</em>, and getting charged for those fees as well for what the <em>merchant</em> says is <em>error</em> on the <em>part</em> of the bank and the bank says is an <em>error</em> the <em>part</em> of the <em>merchant</em>. That leaves me the consumer with XXXX of my money in essence held hostage with no recourse except to wait a few days."]},"sort":[19.107151,"10786360"]},{"_index":"complaint-public-v1","_id":"15162358","_score":19.074764,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year> I disputed a debit card transaction with PNC Bank involving an international merchant. About XXXX months into the dispute, the merchant emailed me stating that my order has been refunded, which is an acknowledgment that the original charge was not valid. However, no refund ever posted to my account, and the merchant provided no proof that a refund was processed. \n\nOn XXXX XXXX PNC Bank sent me a denial letter stating they did not find an error and that their explanation of determination for denying my dispute was attempt to recover funds from the merchant was unsuccessful at this time Under the Electronic Fund Transfer Act and Regulation E ( 12 C.F.R. Part 1005 ), the banks responsibility is to determine whether an error occurred, not whether they can recover funds from the merchant. A failed recovery attempt does not shift the loss to the consumer.PNC Bank in this instance decided the dispute based off of recovery and not the validity of the dispute which is required under Regulation E. By the merchant sending me an email telling me that my order had been refunded it was an admission on their part that the charge was not valid/ is in error and I was due a refund.\n\nI am requesting that PNC reopen the dispute, provide all documentation used in their investigation, and issue a credit for the disputed amount in compliance with Regulation E.","date_sent_to_company":"2025-08-08T22:07:15.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"21234","tags":null,"has_narrative":true,"complaint_id":"15162358","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2025-08-08T21:33:50.000Z","state":"MD","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["On XXXX XXXX PNC Bank sent me a denial letter stating they did not find an <em>error</em> and that their explanation of determination for denying my dispute was attempt to recover funds from the <em>merchant</em> was unsuccessful at this time Under the Electronic Fund Transfer Act and Regulation E ( 12 C.F.R. <em>Part</em> 1005 ), the banks responsibility is to determine whether an <em>error</em> occurred, not whether they can recover funds from the <em>merchant</em>."]},"sort":[19.074764,"15162358"]},{"_index":"complaint-public-v1","_id":"15159339","_score":18.821386,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year> I disputed a debit card transaction with PNC Bank involving an international merchant. About two months into the dispute, the merchant emailed me stating that my order has been refunded, which is an acknowledgment that the original charge was not valid. I forwarded the email from the merchant directly to PNC 's Dispute Department at XXXX on XX/XX/year> at XXXX XXXX XXXX XXXX EST However, no refund ever posted to my account, and the merchant provided no proof that a refund was processed even after repeated requests from myself. On XXXX XXXX PNC Bank sent me a denial letter stating they did not find an error and that their explanation of determination for denying my dispute was attempt to recover funds from the merchant was unsuccessful at this time Under the Electronic Fund Transfer Act and Regulation E ( 12 C.F.R. Part 1005 ), the banks responsibility is to determine whether an error occurred, not whether they can recover funds from the merchant. A failed recovery attempt does not shift the loss to the consumer.PNC Bank in this instance decided the dispute based off of recovery and not the validity of the dispute which is required under Regulation E. By the merchant sending me an email telling me that my order had been refunded it was an admission on their part that the charge was not valid/ is in error and I was due a refund. I am requesting that PNC reopen the dispute, provide all documentation used in their investigation, and issue a credit for the disputed amount in compliance with Regulation E.","date_sent_to_company":"2025-08-09T01:08:13.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"21234","tags":null,"has_narrative":true,"complaint_id":"15159339","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2025-08-09T00:49:27.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On XXXX XXXX PNC Bank sent me a denial letter stating they did not find an <em>error</em> and that their explanation of determination for denying my dispute was attempt to recover funds from the <em>merchant</em> was unsuccessful at this time Under the Electronic Fund Transfer Act and Regulation E ( 12 C.F.R. <em>Part</em> 1005 ), the banks responsibility is to determine whether an <em>error</em> occurred, not whether they can recover funds from the <em>merchant</em>."]},"sort":[18.821386,"15159339"]},{"_index":"complaint-public-v1","_id":"8964807","_score":18.392412,"_source":{"product":"Credit card","complaint_what_happened":"Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$360.00} Dear XXXX XXXX, XXXX completed our investigation of your billing inquiry, and weve determined that no billing error occurred. \n\nAs part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. \n\nThe disputed amount, {$360.00} will be included in the payment amount due on your next statement as of XXXX. \n\nWe apologize for any inconvenience you may have experienced. If you have any additional questions or need further assistance, feel free to contact us at any time. \n\nSincerely, Chime Disputes Team Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$360.00} Dear XXXX XXXX, XXXX completed our investigation of your billing inquiry, and weve determined that no billing error occurred. \n\nAs part of our investigation, a review of our systems was performed in addition to information provided during the claim fili Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$380.00} Dear XXXX XXXX, XXXX completed our investigation of your billing inquiry, and weve determined that no billing error occurred. \n\nAs part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. \n\nThe disputed amount, {$380.00} will be included in the payment amount due on your next statement as of XXXX. \n\nWe apologize for any inconvenience you may have experienced. If you have any additional questions or need further assistance, feel free to contact us at any time. \n\nSincerely, Chime Disputes Team Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$5.00} Dear XXXX XXXX, Weve completed our investigation of your billing inquiry, and weve determined that no billing error occurred. \n\nAs part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. \n\nThe disputed amount, {$5.00} will be included in the payment amount due on your next statement as of XXXX. \n\nWe apologize for any inconvenience you may have experienced. If you have any additional questions or need further assistance, feel free to contact us at any time. \n\nSincerely, Chime Disputes Team","date_sent_to_company":"2024-05-08T22:44:43.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"45240","tags":null,"has_narrative":true,"complaint_id":"8964807","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-05-08T22:14:52.000Z","state":"OH","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["As <em>part</em> of our investigation, a review of our systems was performed in addition to information <em>provided</em> during the claim filing process. As applicable, we coordinate with other financial institutions, <em>merchants</em>, and networks as <em>part</em> of the claim review. \n\nThe disputed amount, {$380.00} will be included in the payment amount due on your next statement as of XXXX. \n\nWe apologize for any inconvenience you may have experienced."]},"sort":[18.392412,"8964807"]},{"_index":"complaint-public-v1","_id":"3176442","_score":18.049288,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am filing a formal complaint regarding Chase Credit Card Services handling of Claim ID : XXXX. This claim has been grossly mis-handled by Chase. I am formally appealing Chases ruling that the charge of {$290.00} dated XX/XX/XXXX was valid as I have provided written evidence contradicting such conclusion to Chase multiple times. \n\nI will provide some background on the purchase and the various pieces of written evidence that have been provided to Chase as part of the dispute process, which has been ongoing since XX/XX/XXXX. On XX/XX/XXXX, I authorized a charge of {$3600.00} with the merchant XXXX XXXX XXXX XXXX. This payment was related to a package tour of the country XXXX with the merchant including all of the goods and services listed in an itinerary the merchant provided via email on XX/XX/XXXX ( Enclosed as Exhibit 1 /2 and provided to Chase on XX/XX/XXXX and once again, on XX/XX/XXXX ). The tour was scheduled to take place XX/XX/XXXX XX/XX/XXXX. \nUnfortunately the merchant did not deliver the package as agreed to in the itinerary. Exhibit 1, Page 7 clearly states that the package included a hot stone bath at your hotel as part of the package price that was charged in full on XX/XX/XXXX. The merchant refused to provide this part of the package despite it being included in the written itinerary upon which was agreed to between both parties prior to payment. Upon confronting the merchant, I was informed in writing ( via email ) that the merchant made a typographical error on the itinerary and would refuse to provide the hot stone bath because it was too expensive. ( Enclosed as Exhibit 3 and provided to Chase on XX/XX/XXXX and once again, on XX/XX/XXXX ). \n\nThe merchant charged my credit card account in full for a package tour which included a hot stone bath. The merchant then decided not to provide this service. I filed a dispute with Chase on XX/XX/XXXX for the cost of the hot stone bath which the merchant refused to provide and acknowledged that they refused to provide in writing. The cost of this service was included in the price of the package but was not provided, so the charge for the package is clearly disputable. The merchant claims that they did not charge for the hot stone bath but that is clearly incorrect as the charge of {$3600.00} which was processed on XX/XX/XXXX was for an entire package including the hot stone bath as one component of that package. \n\nNot only is Chases ruling of the charge as valid in error, but Chase has grossly mis-handled this complaint. At no point was I provided with the merchants written response to the dispute despite multiple requests via telephone. At no point was I permitted to speak with the Claims Examiner responsible for my dispute, despite repeated requests. And I was forced to provide written documentation to Chase multiple times before anyone acknowledged receipt ( Exhibit 2 was provided to Chase via email on XX/XX/XXXX but the claims examiner failed to review it until it was provided a second time on XX/XX/XXXX ). Lastly, and most alarmingly, Chase has ruled this charge to be valid, despite numerous pieces of evidence to the contrary, and Chase refuses to escalate this matter further in complete ignorance of the facts provided. Chase has provided three written letters ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) stating that the charge is valid, but refuses to provide any rationale or reasoning to overturn the written evidence I have provided to the contrary in clear violation of the consumer protections afforded by the FTC. \n\nAs a consumer and a loyal Chase customer, I am disgusted at how Chase has handled this situation and a copy of this formal complaint will also be provided to the FTC as well as the CFPB. I hope that Chase will review its dispute resolution procedure as this experience has been unacceptable and in violation of every basic consumer protection afforded by the concerned regulatory bodies. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2019-03-12T04:29:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"07030","tags":null,"has_narrative":true,"complaint_id":"3176442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-03-12T00:20:11.000Z","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":["Upon confronting the <em>merchant</em>, I was informed in writing ( via email ) that the <em>merchant</em> made a typographical <em>error</em> on the itinerary and would refuse to provide the hot stone bath because it was too expensive. ( Enclosed as Exhibit 3 and <em>provided</em> to Chase on XX/XX/XXXX and once again, on XX/XX/XXXX ). \n\nThe <em>merchant</em> charged my credit card account in full for a package tour which included a hot stone bath. The <em>merchant</em> then decided not to provide this service."]},"sort":[18.049288,"3176442"]},{"_index":"complaint-public-v1","_id":"4508279","_score":16.87171,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I submitted a dispute for a billing error on my CITI Visa credit card on XX/XX/2021 for {$560.00} by XXXX XXXX. Upon my initial dispute, I provided the requested documentation. In response to the CITI letter requesting documents already submitted dated XX/XX/2021, I resubmitted my documents on XX/XX/2021. I included all necessary documentation to fully and adequately follow through with this dispute. \nHowever, CITI failed to provide any response from the merchant or let me know if the merchant even replied. Furthermore, it is now the end of XX/XX/2021, far beyond the allowed 2 billing cycles which CITI is obligated to correct this billing error. I previously informed CITI of their failure to provide the required documents and process the dispute in accordance with the published and public VISA dispute resolution guide. \nThe provided documentation includes written correspondence between myself and XXXX who agreed it was an error on their part and would be issuing refunds but failed to do so. \n\nCITI has failed to provide any reason for their belief the is valid or provide any supporting documentation from the merchant. \nThe billing errors were a result of XXXX failing to provide credit for free coupons utilized upon making the reservations and double, even triple charging my card for these errors. On XX/XX/2021 I was in communication with XXXX from XXXX who stated she made the correct adjustments to the charges, however as I have now been charged back months later for these charges the amounts charged are no longer correct. \n\nCiti has refused to correct this billing error despite receiving the necessary documentation to support my case, or provide the required documentation proving the billing error to be valid.","date_sent_to_company":"2021-07-01T18:37:42.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78723","tags":"Servicemember","has_narrative":true,"complaint_id":"4508279","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-07-01T18:22:10.000Z","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 <em>provided</em> documentation includes written correspondence between myself and XXXX who agreed it was an <em>error</em> on their <em>part</em> and would be issuing refunds but failed to do so. \n\nCITI has failed to provide any reason for their belief the is valid or provide any supporting documentation from the <em>merchant</em>. \nThe billing <em>errors</em> were a result of XXXX failing to provide credit for free coupons utilized upon making the reservations and double, even triple charging my card for these <em>errors</em>."]},"sort":[16.87171,"4508279"]},{"_index":"complaint-public-v1","_id":"18373249","_score":16.871237,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding the handling of a billing dispute on my Apple Card, issued by Goldman Sachs Bank USA. \n\nOn XX/XX/year>, I was charged {$1700.00} by XXXX for XXXX XXXX tickets. I disputed the charge after experiencing issues related to the tickets and the merchants lack of assistance. During the dispute process, a temporary credit was issued while the investigation was ongoing. \n\nDespite providing the requested information and documentation, Goldman Sachs concluded the investigation by stating that no billing error occurred because the merchants terms indicate that all sales are final. The temporary credit was then reversed, and I was rebilled the full amount. \n\nI believe the dispute review relied solely on the merchants all sales final policy rather than a meaningful review of the circumstances and merchant conduct. Additionally, the merchant failed to respond after I provided detailed answers and documentation requested by them, which I believe should have been considered as part of the dispute review. \n\nI am requesting a good-faith reconsideration of this dispute, clarification of the standards used to deny the claim, and confirmation that the investigation complied with fair billing and consumer protection requirements.","date_sent_to_company":"2025-12-30T17:32:38.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"91342","tags":null,"has_narrative":true,"complaint_id":"18373249","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-12-30T17:24:23.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I believe the dispute review relied solely on the <em>merchants</em> all sales final policy rather than a meaningful review of the circumstances and <em>merchant</em> conduct. Additionally, the <em>merchant</em> failed to respond after I <em>provided</em> detailed answers and documentation requested by them, which I believe should have been considered as <em>part</em> of the dispute review."]},"sort":[16.871237,"18373249"]},{"_index":"complaint-public-v1","_id":"8519033","_score":16.856123,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Sunday XX/XX/year>, I notified Chime Bank XXXX XXXX unauthorized transactions that occurred on my Chime Debit Card totaling {$3900.00}. Chime Bank falls under Banking services provided by XXXX XXXX XXXX  XXXX. or XXXX XXXX XXXXXXXX, XXXX FDIC. The Chime XXXX XXXX XXXX is issued by XXXX XXXX XXXX or XXXX XXXX pursuant to a license from XXXX XXXX XXXX and may be used everywhere XXXX XXXX XXXX are accepted. Please see back of your Card for its issuing bank. \n\nI found out that the transactions that occurred were made to XXXX XXXX XXXX XXXX a payment processor for XXXX XXXX XXXX XXXX. I notified the merchant to close the account and reported the unauthorized charges and sending all the requested information to the merchant. \n\nOn XX/XX/year> I received an email for Chime Bank stating : \" This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. \n\nBased on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed '' I have requested a copy of the documents that Chime Bank stated was used in determining the final outcome of the investigation.","date_sent_to_company":"2024-03-11T13:54:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"37363","tags":"Servicemember","has_narrative":true,"complaint_id":"8519033","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-03-11T13:21:34.000Z","state":"TN","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I notified the <em>merchant</em> to close the account and reported the unauthorized charges and sending all the requested information to the <em>merchant</em>. \n\nOn XX/XX/year> I received an email for Chime Bank stating : \" This letter is to inform you that we have made a final determination regarding the claim referenced above. As <em>part</em> of our investigation, a review of our systems was performed in addition to information <em>provided</em> during the claim filing process."]},"sort":[16.856123,"8519033"]},{"_index":"complaint-public-v1","_id":"20326157","_score":16.845621,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dispute Type : Debit - Non-Receipt of Goods or Services Date Error Reported : XXXX Claim Amount : {$690.00} Hello This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. \nBased on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. \nYou may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX.","date_sent_to_company":"2026-03-17T09:29:34.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"631XX","tags":"Servicemember","has_narrative":true,"complaint_id":"20326157","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-03-17T09:23:14.000Z","state":"MO","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Dispute Type : Debit - Non-Receipt of Goods or Services Date <em>Error</em> Reported : XXXX Claim Amount : {$690.00} Hello This letter is to inform you that we have made a final determination regarding the claim referenced above. As <em>part</em> of our investigation, a review of our systems was performed in addition to information <em>provided</em> during the claim filing process. As applicable, we coordinate with other financial institutions, <em>merchants</em>, and networks as <em>part</em> of the claim review."]},"sort":[16.845621,"20326157"]},{"_index":"complaint-public-v1","_id":"8720844","_score":16.730822,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Saturday XX/XX/XXXX at XXXX. I filed two dispute with Chime bank. Dispute # XXXX for {$2500.00} and Dispute # XXXX for {$2500.00}. \n\nThese disputes were filed due to services not received and incorrect billing due to a merchant error. \n\nI provided several information to Chime to prove that I contacted the merchant several times and they would refused to correct any error made on their part. \n\nChime bank has communicated with me within the last week and has made several errors in the investigation process. \nThese errors include : -Listing the incorrect dispute amounts -Stating to me that my money would be refunded to me on dates before the investigation was started -Not providing any information to determine how they made their decision. \n\nToday, XX/XX/XXXX, I received an email stating that no error has occured and that the claim was closed. The email also had incorrection information, for example, the amount disputed was incorrect. \n\nAccording to XXXX and XXXX XXXX, Chime is FDIC insured. \n\nI will be contacting my lawyer today and starting the arbitration process with Chime as soon as possible, as this investigation was not done correct and Chime customer service has made multiple errors in communication.","date_sent_to_company":"2024-04-08T11:52:23.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"20903","tags":null,"has_narrative":true,"complaint_id":"8720844","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-04-08T11:26:49.000Z","state":"MD","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["These disputes were filed due to services not received and incorrect billing due to a <em>merchant</em> <em>error</em>. \n\nI <em>provided</em> several information to Chime to prove that I contacted the <em>merchant</em> several times and they would refused to correct any <em>error</em> made on their <em>part</em>. \n\nChime bank has communicated with me within the last week and has made several <em>errors</em> in the investigation process."]},"sort":[16.730822,"8720844"]},{"_index":"complaint-public-v1","_id":"12837126","_score":16.544064,"_source":{"product":"Credit card","complaint_what_happened":"Hi. \n\nI preordered an item from the company XXXX  on my XXXXXXXX XXXX XXXX The merchant charged me when I preordered. This was in XX/XX/XXXX. The amount was for {$900.00}. The merchant said the item would be delivered by XX/XX/XXXXXXXX  at latest. When it wasn't delivered in XXXX ( the merchant ended up being a scam ), I started a chargeback with the credit card company ( synchony bank ). The credit card company denied the chargeback with a generic response \" No billing error has been detected on the account ''. I called in and asked what that meant. They said certain information wasn't provided, and said I should make another chargeback with the information. I provided the information they asked and started another chargeback but they denied it with the same generic reason, saying more information was needed. I provided them with that information. This went on for 5 more times of them denying it with the same generic reason. But each time when I called in they would give a different excuse. One time they said \" The reason we are denying your dispute is because \" it is part of the merchant 's policies that you must get your refund directly from them ''. Another time they said the document I sent them was blurry. The merchant can't be contacted ( they were a scam ), and I think the bank realizes this, so they are just trying to make any excuse not to refund me : ( I hope the cfpb can help","date_sent_to_company":"2025-04-05T23:19:56.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"43235","tags":null,"has_narrative":true,"complaint_id":"12837126","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-04-05T23:00:42.000Z","state":"OH","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 credit card company denied the chargeback with a generic response \" No billing <em>error</em> has been detected on the account ''. I called in and asked what that meant. They said certain information wasn't <em>provided</em>, and said I should make another chargeback with the information. I <em>provided</em> the information they asked and started another chargeback but they denied it with the same generic reason, saying more information was needed. I <em>provided</em> them with that information."]},"sort":[16.544064,"12837126"]},{"_index":"complaint-public-v1","_id":"18943245","_score":16.388924,"_source":{"product":"Checking or savings account","complaint_what_happened":"I disputed XXXX unauthorized fraudulent transactions on my Discover credit card that occurred in XXXX XXXX. These were not made by me or anyone authorized to use my card. \nI promptly reported the fraud to Discover and provided evidence supporting that the charges were fraudulent ( including any relevant details like transaction dates, amounts, and merchant names if available, or descriptions of why they were unauthorized ). I requested a full investigation, including review of my evidence and contact with the merchant ( s ) for verification.\n\nHowever, Discover closed the investigation immediately without conducting any meaningful review. They admitted it was a mistake on their part and confirmed they did not investigate properly, they did not examine the evidence I submitted, did not contact the merchant ( s ), and did not follow standard fraud dispute procedures.\n\nAs a result, the fraudulent charges remain on my account, and I have not received any relief. This mishandling violates my rights under the Fair Credit Billing Act and Regulation Z, which require a reasonable investigation of billing errors, including unauthorized transactions. \nI have attached supporting documents, such as screenshots of communications with Discover where they admitted the error, transaction details, and any other evidence.","date_sent_to_company":"2026-01-23T02:27:27.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"93455","tags":null,"has_narrative":true,"complaint_id":"18943245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2026-01-23T02:17:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I promptly reported the fraud to Discover and <em>provided</em> evidence supporting that the charges were fraudulent ( including any relevant details like transaction dates, amounts, and <em>merchant</em> names if available, or descriptions of why they were unauthorized ). I requested a full investigation, including review of my evidence and contact with the <em>merchant</em> ( s ) for verification.\n\nHowever, Discover closed the investigation immediately without conducting any meaningful review."]},"sort":[16.388924,"18943245"]},{"_index":"complaint-public-v1","_id":"7580109","_score":16.35723,"_source":{"product":"Credit card","complaint_what_happened":"I opened early this month XX/XX/2023 an Inquire against CITIBANK VISA. XXXX Today I got its response Still stating they can't assist/ help me with this dispute against the merchant for {$1000.00} The reason as they stated is because \" The merchant has denied additional request for credit, stating that services were rendered, and support evidence was provided ''. \nSo What's about the information I provided you after That I had to go a XXXX merchant to correct the errors done by the First Agent? I had to spend money and Time for the same repair. \n\nBecause it doesn't make Sense having XXXX disputes against the same merchant and you were able to resolve the XXXX Dispute and not this main one. \n\nIn another part of the letter it says. I NEED TO CONTACT THE MERCHANT DIRECTLY OR BY OTHER MEANS TO OBTAIN CREDIT. \n\nBasically \" you are throwing me under the bus '' I stated this because I didn't pay with Cash or Check to the merchant so I can deal directly with them, I paid with a CREDIT CARD you provided me and because of it You supposed to deal directly with them in order to get your money back, By all means even consider legal action against them. \n\nUnder the FAIR CREDIT PROTECTION ACT that's my consumer right I'm invoking at this time I would like to have the CFPB Ombudsman to make CITIBANK VISA To pursue this Dispute even to take legal action against the Merchant bank. Because other ways it would an Indirect way for CITIBANK VISA saying to the consumers as myself \" We can't resolve your problem you deal with them, and you need to pay us regardless, Thats your problem not us ''.","date_sent_to_company":"2023-09-20T16:44:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"91311","tags":null,"has_narrative":true,"complaint_id":"7580109","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-09-20T16:08:03.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX Today I got its response Still stating they can't assist/ help me with this dispute against the <em>merchant</em> for {$1000.00} The reason as they stated is because \" The <em>merchant</em> has denied additional request for credit, stating that services were rendered, and support evidence was <em>provided</em> ''. \nSo What's about the information I <em>provided</em> you after That I had to go a XXXX <em>merchant</em> to correct the <em>errors</em> done by the First Agent? I had to spend money and Time for the same repair."]},"sort":[16.35723,"7580109"]},{"_index":"complaint-public-v1","_id":"16768249","_score":16.355743,"_source":{"product":"Credit card","complaint_what_happened":"Barclaycard XXXX appears to have significant deficiencies in its dispute resolution process and should be reviewed for potential violations of Regulation Z related to billing error investigations. \nA purchase made on XX/XX/year>, was never delivered by the merchant. Although the merchant claimed delivery, the image provided did not show the package being left at my residence, mailbox, or front door. Instead, the photo depicted a delivery driver holding the package near my mailbox without evidence of an actual delivery. It is likely the package was never delivered or was taken by the driver, as my propertys security cameras show no delivery attempt during the claimed time. \nI submitted this information to Barclays as part of my dispute and complied with their request for additional documentation. Despite this, Barclays did not provide any detailed explanation or results of the investigation. On XX/XX/year>, the disputed amount was simply rebilled to my account without prior notice or any communication explaining the decision. \nThe evidence I provided clearly demonstrates that the package was not delivered. Based on the lack of investigation, communication, and documentation provided by Barclays, it appears the dispute was not handled in accordance with the requirements of Regulation Z.","date_sent_to_company":"2025-10-23T22:03:07.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"064XX","tags":null,"has_narrative":true,"complaint_id":"16768249","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-10-23T21:45:21.000Z","state":"CT","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":["Barclaycard XXXX appears to have significant deficiencies in its dispute resolution process and should be reviewed for potential violations of Regulation Z related to billing <em>error</em> investigations. \nA purchase made on XX/XX/year>, was never delivered by the <em>merchant</em>. Although the <em>merchant</em> claimed delivery, the image <em>provided</em> did not show the package being left at my residence, mailbox, or front door."]},"sort":[16.355743,"16768249"]},{"_index":"complaint-public-v1","_id":"18936646","_score":16.28779,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, XXXX mistakenly issued multiple refunds of {$22.00} adding up to XXXX $ to my Chase checking account. I immediately contacted Chase to report the refunds as incorrect. \n\nChase removed the funds and returned them to XXXX as part of correcting the merchant error. \n\nSeveral days later, XXXX also debited my account to recover the same funds, resulting in the money being taken twice. \n\nI contacted Chase again, and Chase issued a provisional credit while the matter was investigated. Approximately XXXX month later on XX/XX/XXXX, Chase reversed the provisional credit and withdrew {$480.00} from my account. \n\nChase has not provided a clear transaction-by-transaction accounting showing that the funds were recovered only once. As a result, I am missing {$480.00} due to a duplicate recovery of funds related to a merchant refund error. \n\nI am requesting a full written accounting of all related transactions and the return of the {$480.00} that was improperly withdrawn.","date_sent_to_company":"2026-01-22T21:43:52.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"34743","tags":null,"has_narrative":true,"complaint_id":"18936646","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-01-22T21:32:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Chase has not <em>provided</em> a clear transaction-by-transaction accounting showing that the funds were recovered only once. As a result, I am missing {$480.00} due to a duplicate recovery of funds related to a <em>merchant</em> refund <em>error</em>. \n\nI am requesting a full written accounting of all related transactions and the return of the {$480.00} that was improperly withdrawn."]},"sort":[16.28779,"18936646"]},{"_index":"complaint-public-v1","_id":"5355689","_score":16.113625,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My credit card was charged {$400.00} on XX/XX/XXXX. This was a billing error and credit card should have been charged {$240.00} for a food bundle as referenced in the payment authorization form. The merchant provided Bank Of America copy of a store credit that was provided of {$160.00} as part of the dispute process. The merchant failed to inform Bank of America that the store credit of {$160.00} was not used and the membership was canceled on XX/XX/XXXX. The merchant has overcharged the credit card by {$160.00} and Bank of America has allowed the merchant to overcharge my credit card by making a billing adjustment on XX/XX/XXXX for the {$160.00} that was in dispute. BOA did not do a thorough investigation to find out if the gift card ( store credit ) was ever used or if the membership was still active to use the gift card ( store credit ). \n\nWe have another dispute with the same merchant for the same issue. Merchant charged {$400.00} on XX/XX/XXXX. \n\nI emailed merchant to request a refund be issued for {$160.00} on XX/XX/XXXX. Merchant said they will not consider refunding the overcharge amount of {$160.00} from XX/XX/XXXX until the other disputes have been resolved. \n\nThe dispute was plain and simple. The payment authorization form signed on XX/XX/XXXX states bundle price was {$240.00} but merchant charged {$400.00}. Bank of America relied on false and misleading information provided by the merchant to make the billing adjustment on my credit card for {$160.00} on XX/XX/XXXX without even asking me to confirm if the gift card ( store credit ) was available for use. Again, this dispute is because the credit card was charged more than what was authorized. Dispute has NOTHING to do with the merchant 's return, refund or cancellation policy. \n\nBank of America approved my claim for {$400.00} for the overcharge amount on XX/XX/XXXX which is the same situation that occurred on XX/XX/XXXX. The merchant is not following the terms and conditions of the payment authorization form and Bank of America is not requiring the merchant to comply with the terms and conditions as stated in the payment authorization form and charge the correct amount of {$240.00} for the food bundle. I have called Bank of America 3 times to explain the issue and Bank of America issued a denial of my re-evaluation of the claim of {$160.00}. \n\nBank of America is allowing this merchant to keep {$160.00} of my money by not conducting a full and thorough investigation.","date_sent_to_company":"2022-03-23T15:02:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78628","tags":null,"has_narrative":true,"complaint_id":"5355689","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-03-23T14:44:04.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overcharged for something you did purchase with the card"},"highlight":{"complaint_what_happened":["This was a billing <em>error</em> and credit card should have been charged {$240.00} for a food bundle as referenced in the payment authorization form. The <em>merchant</em> <em>provided</em> Bank Of America copy of a store credit that was <em>provided</em> of {$160.00} as <em>part</em> of the dispute process. The <em>merchant</em> failed to inform Bank of America that the store credit of {$160.00} was not used and the membership was canceled on XX/XX/XXXX."]},"sort":[16.113625,"5355689"]},{"_index":"complaint-public-v1","_id":"20961488","_score":16.092793,"_source":{"product":"Credit card","complaint_what_happened":"Company Name : Bank of America Product : Credit Card Issue : Inadequate investigation of a dispute Part 1 : What Happened ( The Narrative ) On XX/XX/XXXX, I purchased a travel medical insurance policy from XXXX XXXX for {$2900.00} to cover my XXXX parents. XXXX accepted this premium with full knowledge of their ages and medical history. \nThroughout XXXX, I submitted multiple medical claims. Instead of processing them, XXXX engaged in a pattern of \" bad faith '' stallingrepeatedly demanding documents already provided. This process was intentionally drawn out by the merchant. In XX/XX/XXXX, the outcome of these claims was finally realized : the merchant issued {$0.00} in reimbursement, effectively providing no service for the {$2900.00} premium paid. \nI filed a dispute with Bank of America ( Claim ID : XXXX ) for Merchant Misrepresentation and Services Not Provided. On XX/XX/XXXX, the bank denied the claim, citing a \" 60-day notification period. '' Part 2 : Why the Banks Response is Inadequate Bank of America is incorrectly applying the Fair Credit Billing Act ( FCBA ) 60-day billing error timeline to a Visa Network Service Dispute . \nXXXX. Visa Discovery Rule : This is a Visa Reason Code 13.1 ( Services Not as Described ) dispute. Per Visa regulations, the dispute window begins on the \" Discovery Date '' of the breach of contractwhich was XX/XX/XXXX, when it was confirmed that XXXX provided {$0.00} coverage. \nXXXX. Evidence of Breach : I am providing the medical billing statements showing {$0.00} reimbursement from XXXX. This is conclusive proof that the merchant failed to provide the insurance services as described at the time of purchase. \nXXXX. Failure of Duty : Bank of America has refused to conduct a manual compliance review, choosing instead to rely on an automated \" 60-day '' filter that does not apply to merchant misrepresentation and delayed discovery cases. \n\nAttached are : XXXX Purchase Confirmation : The Medical Bill : Clearly showing the {$0.00} insurance payment.\n\nBofA Denial Letter : ( The XX/XX/XXXX letter citing the 60-day rule ).","date_sent_to_company":"2026-04-05T20:08:49.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"29707","tags":null,"has_narrative":true,"complaint_id":"20961488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-05T20:02:53.000Z","state":"SC","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":["Instead of processing them, XXXX engaged in a pattern of \" bad faith '' stallingrepeatedly demanding documents already <em>provided</em>. This process was intentionally drawn out by the <em>merchant</em>. In XX/XX/XXXX, the outcome of these claims was finally realized : the <em>merchant</em> issued {$0.00} in reimbursement, effectively providing no service for the {$2900.00} premium paid. \nI filed a dispute with Bank of America ( Claim ID : XXXX ) for <em>Merchant</em> Misrepresentation and Services Not <em>Provided</em>."]},"sort":[16.092793,"20961488"]},{"_index":"complaint-public-v1","_id":"18086240","_score":16.021969,"_source":{"product":"Checking or savings account","complaint_what_happened":"What Happened I am filing a separate CFPB complaint regarding Frost Banks denial of my electronic transaction dispute based solely on the statement that the merchant refused to accept a reversal. \nFrost Bank concluded its investigation and denied my dispute stating : Merchant will not accept a reversal of the transaction ( s ) in question. \nNo other factual findings, evidence, or investigation results were provided. \nWhy This Is Improper A merchants refusal to accept a reversal is not a valid basis for denying a debit card dispute. The responsibility to investigate and resolve unauthorized electronic fund transfers lies with the financial institutionnot the merchant. \nFrost Bank failed to : Provide evidence that the transaction was authorized Provide transaction logs, authentication data, or supporting documentation Explain how the merchants refusal overrides consumer protections Conduct or document a reasonable investigation The denial letter contains no analysis, no reference to Regulation E standards, and no explanation of how Frost Bank reached its conclusion.\n\nFailure to Provide Documentation The letter states that I may request documents relied upon in resolving the claim. I have previously requested such documentation in multiple disputes, and Frost Bank has not provided any supporting records.\n\nWithout documentation, I am unable to verify : How authorization was determined Whether transaction authentication was reviewed Whether errors or fraud indicators were considered Pattern of Improper Handling This denial is part of a broader pattern where Frost Bank : Issues conclusory denial letters Uses inconsistent or unsupported reasoning Shifts responsibility to merchants Fails to provide documentation Prevents meaningful appeal or correction Harm Caused As a result of this improper denial : Funds were not restored My account standing was negatively affected I incurred financial hardship I was denied transparency and due process","date_sent_to_company":"2025-12-16T20:33:18.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"18086240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CULLEN/FROST BANKERS, INC.","date_received":"2025-12-16T20:22:45.000Z","state":"TX","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Without documentation, I am unable to verify : How authorization was determined Whether transaction authentication was reviewed Whether <em>errors</em> or fraud indicators were considered Pattern of Improper Handling This denial is <em>part</em> of a broader pattern where Frost Bank : Issues conclusory denial letters Uses inconsistent or unsupported reasoning Shifts responsibility to <em>merchants</em> Fails to provide documentation Prevents meaningful appeal or correction Harm Caused As a result of this improper denial :"]},"sort":[16.021969,"18086240"]},{"_index":"complaint-public-v1","_id":"11066316","_score":16.02087,"_source":{"product":"Checking or savings account","complaint_what_happened":"Claim # XXXX was submitted on XX/XX/XXXX. I was told by a multitude of customer service reps that my dispute was solid and Id have my money back by Friday XXXX. Initially was told my account would be credited XXXX, then XXXX, and ultimately XXXX. On XXXX the claim was denied and I spoke to resolutions who told me I could submit my documentation regarding the merchants terms and conditions and their failure to abide by these, along with my extensive attempts to get a resolution directly from the merchant. I was told the claim may be reopened but I also expressed that Id had these documents all along - Id explained from the beginning the merchants violations and not once was I asked for documentation until after the claim was denied. \n\nAdditionally, claim # XXXX submitted on XX/XX/XXXX had provisional credit revoked on XXXX because according to customer service I had not provided documentation. I had sent the documentation on XX/XX/XXXX and the rep was able to see that it had in fact been received and that there was an error on their part in reversing the provisional credit.","date_sent_to_company":"2024-12-07T17:54:13.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"028XX","tags":null,"has_narrative":true,"complaint_id":"11066316","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-12-07T17:42:47.000Z","state":"RI","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":["Additionally, claim # XXXX submitted on XX/XX/XXXX had provisional credit revoked on XXXX because according to customer service I had not <em>provided</em> documentation. I had sent the documentation on XX/XX/XXXX and the rep was able to see that it had in fact been received and that there was an <em>error</em> on their <em>part</em> in reversing the provisional credit."]},"sort":[16.02087,"11066316"]},{"_index":"complaint-public-v1","_id":"9201637","_score":15.982845,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/2024 Toyota Financial Services ( XXXX ) took {$500.00} out of my bank account via XXXX. This was authorized by myself. On XX/XX/2024 the payment cleared my bank account and funds were sent to Tfs. On XX/XX/2024 Tfs claimed my payment was returned as failed, unpaid. My bank account showed it was processed without any issues. I called Tfs on XX/XX/2024 when I learned of this error, and explained that I had a receipt, and transaction report from bank showing payment. I was told I had to mail or fax proof of payment to Tfs misapplied payment dept. I did that and nothing changed. I contacted them again and they said I had to get a merchant report from my bank. Ive tried to get this merchant report, but Ive been told by several bankers, as well as my bank that a merchant report is for a merchant to look over their credit/debit card transactions by type, purchases, returns, fees, etc. Tfs doesnt take card payments, only XXXX. Ive had my bank so a dispute to investigate, and they found no errors on their part, and they provided me with the XXXX report from the federal reserve system showing all the account numbers, batch numbers, settlement date, amount, etc. It shows it cleared just as my bank said. I faxed that report to Tfs and they still havent fixed it. They wont even try to look into it until I produce a merchant report they said. Its been weeks now, Ive tried calling, faxing, multiple support tickets, the dealership has tried to advocate on my behalf, and I even desperately reached out to their XXXX page to try and find someone who could help me. They have not communicated anything to me besides them saying it failed, its a check truncation entry return error according to Tfs, and that I have to fax or mail a merchant report. They wont even attempt to look into their system to find the error. Theyve been sent the receipt, transaction list, bank statement, XXXX  report from federal reserve, and emails from bank employees verifying the payment cleared. Last year Tfs lost a XXXX XXXX dollar lawsuit where there were services added without permission, but the familiar part is that Tfs supposedly made it so incredibly difficult to reach someone who would fix the issues, that people couldnt get it taken care of. Thats how I feel right now. They have evidence the payment cleared, and they have to know there is a {$500.00} discrepancy somewhere in the accounts, but they are making it so difficult for me, it feels like they are hoping I give up. Hopefully this is not a scam and Im just a very unlucky individual, but Im begging for someone to help me.","date_sent_to_company":"2024-06-08T01:05:13.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"97526","tags":"Servicemember","has_narrative":true,"complaint_id":"9201637","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2024-06-08T00:27:50.000Z","state":"OR","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Ive had my bank so a dispute to investigate, and they found no <em>errors</em> on their <em>part</em>, and they <em>provided</em> me with the XXXX report from the federal reserve system showing all the account numbers, batch numbers, settlement date, amount, etc. It shows it cleared just as my bank said. I faxed that report to Tfs and they still havent fixed it. They wont even try to look into it until I produce a <em>merchant</em> report they said."]},"sort":[15.982845,"9201637"]},{"_index":"complaint-public-v1","_id":"12957279","_score":15.931976,"_source":{"product":"Credit card","complaint_what_happened":"On XXXX XXXX XXXX, I stayed at a small bed and breakfast ( XXXX  XXXX XXXX ) and was significantly overcharged. The agreed-upon total for our stay was approximately {$610.00}, but due to billing errors on the merchants end, both my card and my partners card were charged separately, resulting in over {$1000.00} in total charges for a single reservation. \n\nMy partners card was charged {$300.00}, and my card was charged {$300.00} and an additional {$420.00}. This clearly reflects a double-billing issue. I disputed all three transactions to give the merchant and Chase the opportunity to correct the error through proper channels. \n\nThe merchant admitted fault for the duplicate {$300.00} charge and issued a refund on XX/XX/scrub>XXXX XXXX XXXX, which is direct proof that at least part of the charges were incorrect. However, the merchant failed to provide any legitimate explanation or breakdown of the {$420.00} charge. I was never provided a receipt at checkout, nor did I receive any follow-up email or documentation regarding the charges. \n\nDespite this, Chase denied my dispute for the {$420.00} charge. This is unacceptable, as : - The total charged across two cards far exceeded the agreed total.\n\n- One charge was already refunded, proving the merchant made a mistake.\n\n- The merchant failed to provide documentation or itemized billing. \n- I did not receive the goods/services claimed under the disputed charge. \n\nI am requesting that the CFPB investigate this matter and ask Chase to reopen or escalate the dispute. Chase has failed to adequately protect me as a consumer under the Fair Credit Billing Act. The merchants disorganized billing, failure to document, and admission of overcharging should have been more than enough to support a full reversal of the {$420.00} charge.","date_sent_to_company":"2025-04-12T14:50:33.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"02130","tags":null,"has_narrative":true,"complaint_id":"12957279","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-04-12T14:37:19.000Z","state":"MA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I disputed all three transactions to give the <em>merchant</em> and Chase the opportunity to correct the <em>error</em> through proper channels. \n\nThe <em>merchant</em> admitted fault for the duplicate {$300.00} charge and issued a refund on XX/XX/scrub>XXXX XXXX XXXX, which is direct proof that at least <em>part</em> of the charges were incorrect. However, the <em>merchant</em> failed to provide any legitimate explanation or breakdown of the {$420.00} charge."]},"sort":[15.931976,"12957279"]},{"_index":"complaint-public-v1","_id":"7461939","_score":15.885643,"_source":{"product":"Credit card","complaint_what_happened":"I was traveling in vacation and my debit card was stolen and was used this is consider fraud this is what i received Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$2900.00} XXXX XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. \n\nBased on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. \n\nYou may request a copy of the documents we used in determining the final outcome of the investigation. If you have any additional questions or need further assistance, feel free to contact us at any time.\n\nThanks, Chime Disputes Team","date_sent_to_company":"2023-08-28T13:37:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32901","tags":null,"has_narrative":true,"complaint_id":"7461939","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2023-08-28T13:30:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["As <em>part</em> of our investigation, a review of our systems was performed in addition to information <em>provided</em> during the claim filing process. As applicable, we coordinate with other financial institutions, <em>merchants</em>, and networks as <em>part</em> of the claim review. \n\nBased on our investigation, we have concluded no <em>error</em> occurred. Therefore, no funds will be credited to your account and this claim is considered closed."]},"sort":[15.885643,"7461939"]},{"_index":"complaint-public-v1","_id":"6814930","_score":15.862991,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This is regarding a charge for a purchase that the shipping carrier returned to the sender, the merchant, and the merchant ( XXXX ) has signed for the delivery indicating it has received the returned package that correlates to my original order tracking number, charged to my Chase credit card ending in XXXX. \n\nI purchased 2 items from XXXX on XX/XX/2023 and was charged {$5800.00}. XXXX shipped me this order ( Order Number XXXX ) using XXXX ( XXXX  tracking XXXX ). I disputed the charge because the XXXX  tracking clearly shows that the items were returned to sender using the XXXX carrier the merchant chose to ship the item with, and was delivered back to XXXX warehouse signed by XXXX on XX/XX/XXXX. Chase decided in favor of the merchant XXXX because they supposedly provided an XXXX  proof of delivery on stating the items were delivered on XX/XX/XXXX. But I provided XXXX  proof of delivery for the same tracking number showing it was returned to sender and delivered ( signed and received by XXXX ) at their warehouse of shipment origin on XX/XX/XXXX. The XXXX  proof of delivery showing the items are returned to the sender showing delivery back at the merchants warehouse AFTER the proof of delivery XXXX provided should trump what XXXX provided becusee XX/XX/XXXX is AFTER XX/XX/XXXX, and the tracking shows the items were being returned to sender on XX/XX/XXXX, so obviously I as the consumer should not be responsible for any error on the part of the merchant or their shipment carrier where they returned the items back to the merchant and received them. I as the consumer should not be held responsible to pay any order where the items were returned to sender and XXXX clearly received them back after XX/XX/XXXX, because the XXXX  tracking clearly shows XXXX received the items returned to sender on XX/XX/XXXX. XXXX tracking XXXX. I am owed my money back and XXXX promised to send me replacements but then canceled that and refused to refund me for the items that were returned to sender. Chase somehow is neglecting basic carrier tracking information showing it was delivered returned to sender signed by XXXX on XX/XX/XXXX. I no longer have the items and the merchant has them. The consumer should not be held responsible for any items that were returned to sender, the merchant XXXX.","date_sent_to_company":"2023-04-10T00:27:14.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98116","tags":null,"has_narrative":true,"complaint_id":"6814930","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-04-10T00:05:59.000Z","state":"WA","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 XXXX  proof of delivery showing the items are returned to the sender showing delivery back at the <em>merchants</em> warehouse AFTER the proof of delivery XXXX <em>provided</em> should trump what XXXX <em>provided</em> becusee XX/XX/XXXX is AFTER XX/XX/XXXX, and the tracking shows the items were being returned to sender on XX/XX/XXXX, so obviously I as the consumer should not be responsible for any <em>error</em> on the <em>part</em> of the <em>merchant</em> or their shipment carrier where they returned the items back to the <em>merchant</em> and received"]},"sort":[15.862991,"6814930"]},{"_index":"complaint-public-v1","_id":"21963167","_score":15.788236,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint against American Express ( AMEX ) for their failure to properly investigate a billing error for a service not received. I disputed a {$150.00} charge from XXXX XXXX for a paid seat that was purchased specifically to access a baby bassinet. \nThe merchant 's defense, provided by AMEX, admits that the XXXX  weight limit is XXXX. However, on the day of travel on XX/XX/year>, the airport check in desk agent for XXXX XXXX said that the weight limit was XXXX  to use the XXXX. On the airplane, the XXXX XXXX flight attendant confirmed that the XXXX XXXX weight limit is XXXX and denied the use of the XXXX  as my son was over the XXXX weight limit. As a result, I bought an unnecessary {$150.00} seat without a XXXX  for my XXXX  due to given incorrect information about the weight limit. \n\nAs part of my dispute case with AMEX, I provided AMEX with the weight limit of XXXX from the airline 's website and with medical records showing my XXXX  weighed below XXXX on the date of travel well below the merchants own safety threshold. Despite this clear point that my son was within the XXXX criteria but was denied due to a XXXX new criteria, AMEX has closed the case three times in favor of the merchant. \n\nAMEX has failed to address the factual discrepancy between the merchants stated policy ( XXXX ) and the crews refusal to provide service ( enforcing a XXXX maximum weight limit ). Furthermore, AMEX is relying on the \" benefit '' of extra legroom to justify the charge. I have explained to AMEX that I am of short stature and the extra legroom provides no utility ; the seat was a \" tied-product '' necessary only to access the XXXX XXXX. \n\nBy ignoring medical documentation and the merchants own contradictory statements, AMEX has failed to fulfill its duty to conduct a \" reasonable investigation '' into a disputed charge for services that were not provided as described.","date_sent_to_company":"2026-05-07T05:38:44.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94804","tags":null,"has_narrative":true,"complaint_id":"21963167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-05-07T05:33:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am filing this complaint against American Express ( AMEX ) for their failure to properly investigate a billing <em>error</em> for a service not received. I disputed a {$150.00} charge from XXXX XXXX for a paid seat that was purchased specifically to access a baby bassinet. \nThe <em>merchant</em> 's defense, <em>provided</em> by AMEX, admits that the XXXX  weight limit is XXXX."]},"sort":[15.788236,"21963167"]},{"_index":"complaint-public-v1","_id":"21178415","_score":15.769458,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding the handling of my dispute and failure to process a valid chargeback. \n\nOn XX/XX/year>, I canceled a transaction with XXXX after receiving confirmation from the merchant that there was a delay in a part I ordered and that I could cancel the search and they would issue a full refund. I followed their instructions and have documentation showing that XXXX approved the cancellation and agreed to issue the credit. Despite this, the refund has not been processed. \nOn XX/XX/year>, contacted my financial institution, Citi XXXX Mastercard and provided this documentation, requesting that a chargeback be initiated under Mastercard Reason Code XXXX Credit Not Processed. This reason code applies when a cardholder is entitled to a refund and the merchant either fails to issue the credit or does not do so within a reasonable timeframe. \n\nI made a good faith effort to resolve this matter directly with the merchant before escalating the issue. The cancellation was valid and in accordance with the merchants stated policy. However, Citi XXXX Mastercard denied my claim on XX/XX/year> despite the supporting evidence. They said they could not find an error. \n\nI am requesting that Citibank reopen my case and process the chargeback in accordance with applicable network rules. I am also requesting that the refund owed to me be issued promptly. \n\nThis situation has caused unnecessary delay and frustration, despite clear documentation supporting my claim.","date_sent_to_company":"2026-04-13T05:20:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"956XX","tags":null,"has_narrative":true,"complaint_id":"21178415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-04-13T04:57:56.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On XX/XX/year>, contacted my financial institution, Citi XXXX Mastercard and <em>provided</em> this documentation, requesting that a chargeback be initiated under Mastercard Reason Code XXXX Credit Not Processed. This reason code applies when a cardholder is entitled to a refund and the <em>merchant</em> either fails to issue the credit or does not do so within a reasonable timeframe. \n\nI made a good faith effort to resolve this matter directly with the <em>merchant</em> before escalating the issue."]},"sort":[15.769458,"21178415"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":447,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":447}]}},"product":{"doc_count":447,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":121,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":108},{"key":"Other banking product or service","doc_count":11},{"key":"Savings account","doc_count":2}]}},{"key":"Credit 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