{"took":51,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":183,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5434216","_score":18.44696,"_source":{"product":"Checking or savings account","complaint_what_happened":"I went to an ATM machine at a nearby liquor store on Saturday XX/XX/XXXX. I withdrew {$100.00} cash. \nToday on Monday XX/XX/XXXX, I receive an alert that my account with Ally is overdrawn and the {$100.00} ATM withdrawal is reflecting TWICE on my account. \nI sent a message to them on their app and the rep indicated that they are having a system error that is causing charges to reflect twice. This is extremely disturbing and unsettling, and to trigger overdraft alerts to their customers while they know a system glitch is going on is terrible. CFPB needs to look into this to ensure Ally has appropriate technology and internal control resources to prevent this from happening in the future. These types of errors, while they may be rare, are unacceptable and are surely a violation of consumer protection laws.","date_sent_to_company":"2022-04-11T22:27:03.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92116","tags":null,"has_narrative":true,"complaint_id":"5434216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2022-04-11T22:19:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I sent a message to them on their app and the rep indicated that they are having a <em>system</em> <em>error</em> that is causing <em>charges</em> to reflect twice. This is extremely disturbing and unsettling, and to <em>trigger</em> overdraft alerts to their customers while they know a <em>system</em> glitch is going on is terrible. CFPB needs to look into this to ensure Ally has appropriate technology and internal control resources to prevent this from happening in the future."]},"sort":[18.44696,"5434216"]},{"_index":"complaint-public-v1","_id":"18029391","_score":17.354218,"_source":{"product":"Credit card","complaint_what_happened":"I am disputing a {$270.00} charge from XXXX in mid XXXX that Discover has incorrectly upheld. This is not a \" item not received '' case. It is a documented cascade of XXXX system failures leading to an unauthorized charge. \n1. Failed Verification : My order triggered a faulty fraud check. An XXXX agent confirmed my documents were correct but said, \" I don't know why you're getting these errors. '' 2. Failed Cancellation : I successfully cancelled the entire order. XXXX 's system ignored it, shipping a laptop over 24 hours later and charging my card. A charge for a cancelled item is unauthorized. \n3. Failed Resolution : An XXXX specialist promised a fix. A later agent confirmed the specialist 's ticket failed due to a \" system error. '' 4. Catastrophic Account Corruption ( Key Evidence ) : This transaction destroyed my XXXX account. \no Attempting to log in resulted in an error that \" no account existed '' with my correct email/phone. \no To use XXXX again, I was forced through an automated process to overwrite and delete the original account to create a new, empty one. \no The corruption persists. When I call now, I am greeted as a XXXX member, but agents are then told \" no account is associated with this number '' a direct system contradiction. \n5. Incomplete Delivery Proof : A delivery scan exists, but XXXX provides no photo proof ( standard for laptops ). I never received the package. \nDiscover 's investigation ignored this context, relying only on an order receipt and delivery scan from XXXX 's broken systems. They have re-charged me and warned it's my \" last attempt, '' despite overwhelming evidence of merchant error. \nDesired Resolution : Discover should permanently remove the {$270.00} charge and correct my account.","date_sent_to_company":"2025-12-14T21:22:14.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"27265","tags":null,"has_narrative":true,"complaint_id":"18029391","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-12-14T20:55:02.000Z","state":"NC","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am disputing a {$270.00} <em>charge</em> from XXXX in mid XXXX that Discover has incorrectly upheld. This is not a \" item not received '' case. It is a documented cascade of XXXX <em>system</em> failures leading to an unauthorized <em>charge</em>. \n1. Failed Verification : My order <em>triggered</em> a faulty fraud check. An XXXX agent confirmed my documents were correct but said, \" I don't know why you're getting these <em>errors</em>. '' 2. Failed Cancellation : I successfully cancelled the entire order."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[17.354218,"18029391"]},{"_index":"complaint-public-v1","_id":"19235952","_score":17.134047,"_source":{"product":"Credit card","complaint_what_happened":"The merchant charged multiple penalty fees including late payment fees, failed payment fees, a balance add fee, and a {$9.00} subscription charge totaling {$140.00}. \n\nThese fees were charged despite the merchant holding my funds and their billing system preventing timely resolution. I attempted to make payments and resolve the issue, but the merchants system design caused unavoidable delays and improperly triggered penalty fees. \n\nI am not disputing the original installment/payment amount owed. I am disputing only the penalty fees and subscription charge as billing errors resulting from the merchants handling of funds and system failure. \n\nThe merchant refused to reverse or refund these fees even after I contacted them and explained the situation. \n\nI am requesting a full refund of {$140.00} for all improperly charged fees and the subscription charge.\n\nWouldnt let me upload everything but I have proof of emails I attempted to contact someone for almost a week prior, they never contacted me back after our chat conversation with in the XXXX hour rule ( their rule btw ) I have proof of the ridiculous late payment fee and late fees, proof that I deposited the {$200.00} into their account to pay the fees","date_sent_to_company":"2026-02-04T10:39:38.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"620XX","tags":null,"has_narrative":true,"complaint_id":"19235952","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sezzle Inc.","date_received":"2026-02-04T10:25:32.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I am disputing only the penalty fees and subscription <em>charge</em> as billing <em>errors</em> resulting from the merchants handling of funds and <em>system</em> failure. \n\nThe merchant refused to reverse or refund these fees even after I contacted them and explained the situation. \n\nI am requesting a full refund of {$140.00} for all improperly charged fees and the subscription <em>charge</em>."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[17.134047,"19235952"]},{"_index":"complaint-public-v1","_id":"19591711","_score":16.707373,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint against Capital One for a violation of Regulation Z ( 12 CFR 1026.10 ) and inaccurate reporting under the FCRA. \nI authorized a payment of {$110.00} on Sunday, XX/XX/XXXX ( XXXX ID : XXXX ). Because Monday, XX/XX/XXXX was XXXX ' Day ( a federal holiday ), the payment settled on the first available business day, Tuesday, XX/XX/XXXX. \nDespite this being a legally on-time payment, Capital One 's automated system triggered a 'Charge-Off ' on the holiday. I spoke with XXXX XXXX on XX/XX/XXXX for 40 minutes ; they acknowledged the holiday delay caused the error but refused to provide a case number or stop the derogatory reporting.","date_sent_to_company":"2026-02-18T16:49:33.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"19591711","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-02-18T16:34:01.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Despite this being a legally on-time payment, Capital One 's automated <em>system</em> <em>triggered</em> a '<em>Charge</em>-Off ' on the holiday. I spoke with XXXX XXXX on XX/XX/XXXX for 40 minutes ; they acknowledged the holiday delay caused the <em>error</em> but refused to provide a case number or stop the derogatory reporting."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[16.707373,"19591711"]},{"_index":"complaint-public-v1","_id":"13973042","_score":16.688637,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a formal complaint against XXXX/Synchrony Bank for refusing to reverse disputed charges related to a compromised XXXX Ads account, despite receiving clear documentation that the charges were triggered by a system failure and acknowledged by the merchant ( XXXX ) in writing. \n\nIn XX/XX/2024, my XXXX Ads account experienced an unprecedented surge in chargesover {$11000.00} in three days, caused by thousands of dormant, irrelevant, and foreign-language keywords being triggered simultaneously. This occurred between XX/XX/XXXX and XX/XX/XXXX and was the result of account compromise and platform automation failure. \n\nTo put this in perspective, my typical daily ad spend is {$30.00} to {$50.00}, and my total annual budget ranges from {$10000.00} to {$15000.00}. In more than 15 years of running my business, I have never used personal credit cards for ad expenses. I only used the XXXX card in this situation because XXXX promised a refund after admitting to the overdelivery and platform errors. I relied on that promise and temporarily charged a portion of the ad costsapproximately [ insert exact amount if available ] to my XXXX card. \n\nI submitted a formal dispute and provided : An email from XXXX dated XX/XX/2024 ( Ticket ID : XXXX ) promising a refund for invalid traffic. \n\nA follow-up email from XX/XX/2024, confirming systemic failures with ad delivery and merchant mismatches. \n\nSupporting documents showing keyword manipulation, excessive charges, and lack of legitimate return on spend. \n\nA detailed dispute letter outlining the timeline, damages, and unrecoverable state of the account, which I eventually had to permanently shut down. \n\nI specifically asked the merchant to provide trigger keywords, landing pages, and full traffic recordsnot just monthly billing summaries. XXXX did not comply, and XXXX still denied the dispute, ignoring the lack of documentation and the merchants admission of error. \n\nXXXX Ads platform has built-in limits that prevent advertisers from overspending at this scale manually. What happened could only result from a platform override or systemic flaw. The charges were neither intentional nor authorized. \n\nDespite this, XXXX Bank XXXX XXXX account as delinquent, damaging my personal credit based on charges that were clearly invalid. This was not a case of voluntary overspendingit was a technical failure, acknowledged by the merchant, mishandled by the card issuer.","date_sent_to_company":"2025-06-09T23:28:49.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"27587","tags":null,"has_narrative":true,"complaint_id":"13973042","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-06-09T23:23:09.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am filing a formal complaint against XXXX/Synchrony Bank for refusing to reverse disputed <em>charges</em> related to a compromised XXXX Ads account, despite receiving clear documentation that the <em>charges</em> were <em>triggered</em> by a <em>system</em> failure and acknowledged by the merchant ( XXXX ) in writing."]},"sort":[16.688637,"13973042"]},{"_index":"complaint-public-v1","_id":"14209102","_score":16.645193,"_source":{"product":"Checking or savings account","complaint_what_happened":"Affirm withdrew a total of {$280.00} from my bank account due to a series of improperly processed transactions linked to my XXXX XXXX account. These included a failed transaction and a pending one, both of which should not have triggered actual charges. As a result, my account was overdrawn, and I incurred more than {$530.00} in overdraft fees. \n\nI contacted Affirm customer service to resolve the matter. While they acknowledged the issue and refunded {$93.00}, they refused to take responsibility for the full scope of the charges and their impact. The agents repeatedly misunderstood the issue, framing it as a matter of current card usage or outstanding balances, even though I clarified multiple times that I do not use or intend to use an Affirm card. The problem stems entirely from Affirms system error, which caused charges to be withdrawn for failed or unresolved transactions. \n\nAffirms support team has reviewed the case, and the supervisor admitted he was investigating further, but no meaningful resolution or reimbursement has been provided to cover the remaining overdraft-related losses. My request is simple : I want Affirm to take responsibility for their error and reimburse the full amount of overdraft fees caused by these mishandled transactions.","date_sent_to_company":"2025-06-23T14:52:21.000Z","issue":"Problem caused by your funds being low","sub_product":"Savings account","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"14209102","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-06-23T14:39:51.000Z","state":"MA","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["The problem stems entirely from Affirms <em>system</em> <em>error</em>, which caused <em>charges</em> to be withdrawn for failed or unresolved transactions. \n\nAffirms support team has reviewed the case, and the supervisor admitted he was investigating further, but no meaningful resolution or reimbursement has been provided to cover the remaining overdraft-related losses."]},"sort":[16.645193,"14209102"]},{"_index":"complaint-public-v1","_id":"2550757","_score":16.431273,"_source":{"product":"Checking or savings account","complaint_what_happened":"I bank with Bank of America and I have been noticing lately that they have been charging me overdraft fees for things they never use to charge before and this is REALLY causing a financial burden on me. On  XXXX  I had  XXXX  dollars in my account I needed gas. For as long as I can remember and everyone in the world I know takes advantage of the fact that you can fill your car up with  XXXX  dollar in your account. I 've done this for years and never once been charged a fee. On  XXXX  I transferred  XXXX  dollars to my savings and I had  XXXX  dollars left in my checking and I filled my car with my debit card that 's linked to my checking. I filled up for  XXXX  dollars. When my  XXXX    XXXX    XXXX  card transation posted Bank of America gave me a OD FEE of  XXXX  dollars because they said I transferred the  XXXX  that had I never transerferried the  XXXX  and left the  XXXX  in the account and then got the  XXXX  in gas it would 've never triggered an overdraft fee. WHAT SENSE DOES THAT MAKE ITS STILL A DEBIT PURCHASE AND IM STILL OVERDRWING THE ACCOUNT EITHER WAY. They refuse to refund it and it 's not right why ca n't I trensfer my own money when I want to. This was not a reoccurring debit charge and it was n't ACH charge. Also on  XXXX  I had and ACH trigger for  XXXX  BOA returned as they should because there were no funds in the account, but the merchant  XXXX   XXXX  charged my account in error. They even sent me an email stating their systems are down and my payment was n't supped to be til  XXXX   XXXX  not  XXXX   XXXX . I called boa and asked them to please refund the fee due to merchant error and they refused they said I ca n't file a claim and present documentation on the charge because it was n't paid. That 's ridiculous. So charge your customer  XXXX  dollars add more financial strain to them when they have documentation that the charge was to come out  XXXX   XXXX .","date_sent_to_company":"2017-06-15T13:53:44.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"21244","tags":"Servicemember","has_narrative":true,"complaint_id":"2550757","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-06-15T13:17:30.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["This was not a reoccurring debit <em>charge</em> and it was n't ACH <em>charge</em>. Also on  XXXX  I had and ACH <em>trigger</em> for  XXXX  BOA returned as they should because there were no funds in the account, but the merchant  XXXX   XXXX  charged my account in <em>error</em>. They even sent me an email stating their <em>systems</em> are down and my payment was n't supped to be til  XXXX   XXXX  not  XXXX   XXXX ."]},"sort":[16.431273,"2550757"]},{"_index":"complaint-public-v1","_id":"20067098","_score":15.900453,"_source":{"product":"Debt collection","complaint_what_happened":"In 2024 I purchased a phone from XXXX while traveling for business. I initially received a XXXXXXXX XXXX device but decided to exchange it within XXXX allowed return window. XXXX shipped replacement XXXX devices and provided a return box for the XXXX. I promptly returned the XXXXXXXX XXXX  device according to XXXX instructions. \nDespite returning the device, XXXX continued charging monthly device payments for the XXXX. I contacted XXXX customer support multiple times to correct the billing error. During my most recent call, a XXXX representative confirmed that their system shows the device was returned but that the system failed to trigger the credit that should have removed the device payments. The representative attempted to apply a manual credit but stated the system denied the adjustment. \nSince XX/XX/year>, XXXX has charged me approximately {$27.00} per month for the returned device. I have made approximately XXXX payments totaling about {$550.00} for a device that XXXX confirmed was returned. \nXXXX subsequently sent a balance of {$610.00} to Transworld Systems Inc. ( TSI ) for collection related to the returned device. \nThis debt is invalid because the device was returned to XXXX and the balance exists only due to a billing/system error on XXXX side. I have already filed a complaint with the FCC regarding this issue. \nRequested Resolution : Remove the {$610.00} balance related to the returned device Recall the account from collections Refund the device payments already charged for the returned Pixel device ( approximately {$27.00} per month since XX/XX/year> ) Confirm that no negative credit reporting will occur","date_sent_to_company":"2026-03-07T16:52:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"598XX","tags":null,"has_narrative":true,"complaint_id":"20067098","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2026-03-07T16:44:13.000Z","state":"MT","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Despite returning the device, XXXX continued <em>charging</em> monthly device payments for the XXXX. I contacted XXXX customer support multiple times to correct the billing <em>error</em>. During my most recent call, a XXXX representative confirmed that their <em>system</em> shows the device was returned but that the <em>system</em> failed to <em>trigger</em> the credit that should have removed the device payments. The representative attempted to apply a manual credit but stated the <em>system</em> denied the adjustment."],"company":["TRANSWORLD <em>SYSTEMS</em> INC"]},"sort":[15.900453,"20067098"]},{"_index":"complaint-public-v1","_id":"18413626","_score":15.851947,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXXXXXX  I purchased an XXXX for {$1400.00} via the Apple XXXX XXXX using my Apple Card. At the time of purchase, the transaction was successfully vetted and converted into a 0 % APR installment plan ( Apple Card Monthly Installments ). \nHowever, on XX/XX/XXXXXXXX the company unilaterally reversed this conversion, and the plan became inactive. During a recorded support chat on XX/XX/XXXXXXXX a supervisor confirmed that the system initially permitted the conversion but reversed it because the system \" picked up that it was XXXX XXXX. \nI am an active subscriber with XXXX which is one of Apple 's officially required carriers for installment eligibility. Modern XXXX  sold in the U.S. use XXXX technology exclusively ; therefore, triggering a reversal based on an \" XXXX '' flag for a customer on a supported carrier is a technical billing error. \nI have attempted to resolve this for over three hours with multiple supervisors. Despite admitting the system previously approved the conversion, Goldman Sachs refused to manually reinstate the 0 % APR terms, citing the same \" XXXX '' policy that their system had already overridden at the point of sale. Because I have already completed a device trade-in, I can not return the product, leaving me stuck with interest charges on a purchase marketed and initially sold as 0 % interest.","date_sent_to_company":"2026-01-02T04:22:18.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"80911","tags":"Servicemember","has_narrative":true,"complaint_id":"18413626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2026-01-02T04:10:21.000Z","state":"CO","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Modern XXXX  sold in the U.S. use XXXX technology exclusively ; therefore, <em>triggering</em> a reversal based on an \" XXXX '' flag for a customer on a supported carrier is a technical billing <em>error</em>. \nI have attempted to resolve this for over three hours with multiple supervisors. Despite admitting the <em>system</em> previously approved the conversion, Goldman Sachs refused to manually reinstate the 0 % APR terms, citing the same \" XXXX '' policy that their <em>system</em> had already overridden at the point of sale."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[15.851947,"18413626"]},{"_index":"complaint-public-v1","_id":"15209198","_score":15.810577,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Brigit has reported an inaccurate XXXX late payment for my account in XX/XX/year> to both XXXX  and XXXX. \n\nThis late payment is the direct result of Brigits own system error. I have three bank accounts and one debit card on file with Brigit. Instead of charging my active primary payment method, Brigits system attempted to process the payment from an inactive account, which triggered a failed payment and subsequently a late payment report.\n\nI dispute the accuracy of this reporting because : 1. My valid accounts and card on file had sufficient funds at the time of the scheduled payment.\n\n2. Brigit did not notify me in time that the payment was being attempted from the wrong account.\n\n3. Brigit has not provided documented proof that the reported delinquency is accurate or that it was not caused by their internal processing error.\n\nI submitted disputes directly to Brigit under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and requested documentation, but their response has been dismissive and has not addressed my specific request for removal of the inaccurate late payment.\n\nThis incorrect reporting has caused a drop in my credit scores with both XXXX  and XXXX, negatively impacting my ability to obtain personal and business funding.","date_sent_to_company":"2025-08-11T19:43:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"15209198","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridge IT, Inc.","date_received":"2025-08-11T19:35:57.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This late payment is the direct result of Brigits own <em>system</em> <em>error</em>. I have three bank accounts and one debit card on file with Brigit. Instead of <em>charging</em> my active primary payment method, Brigits <em>system</em> attempted to process the payment from an inactive account, which <em>triggered</em> a failed payment and subsequently a late payment report.\n\nI dispute the accuracy of this reporting because : 1. My valid accounts and card on file had sufficient funds at the time of the scheduled payment.\n\n2."]},"sort":[15.810577,"15209198"]},{"_index":"complaint-public-v1","_id":"22404674","_score":15.810223,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute a continuous pattern of excessive, compounding, and predatory automated overdraft/NSF fees applied to my checking account ( ending in XXXX ) between XX/XX/2026, and XX/XX/2026. I have attached the complete 60-day transaction history highlighting these specific errors and am requesting a comprehensive audit and courtesy reversal by a corporate manager.\n\nI attempted to resolve this locally by speaking with the manager at the XXXX XXXX. The manager refused to help me, dismissively told me I was wrong, and stated that everything processed by the bank was correct. She claimed that the fees are triggered because I am being charged based on the total negative balance of the account rather than per individual transaction item.\n\nWhile I now understand that your automated system utilizes the total negative balance at the end of the day to override individual item protections, the way these charges stack up creates an inescapable trap. Please review the following blatant issues clearly visible in the attached screenshots : Predatory Double-Charging on Single Returned Items ( XX/XX/1314 ) : On XX/XX/XXXX, a {$600.00} Chase transfer attempted to pull from my account, triggering a {$36.00} fee. On XX/XX/XXXX, this item was returned and fully refunded ( + {$600.00} ), yet your system charged me a SECOND {$36.00} fee for the exact same transaction. Charging both an overdraft and a returned item fee on a single failed event is entirely unfair and has penalized me twice for {$72.00} total.\n\nImmediate Seizure of Positive Deposits ( XX/XX/XXXX ) : On XX/XX/XXXX, a legitimate direct deposit of {$500.00} hit my account, successfully bringing my balance to a positive + {$210.00}. Your automated system immediately seized two separate {$36.00} fees on the exact same day, stripping away my access to my hard-earned funds to pay for delayed, automated backend charges.\n\nStacked Fees Contradicting Threshold Protection ( XX/XX/XXXX ) : On XX/XX/XXXX, I was hit with XXXX separate {$36.00} fees. However, my transaction history from XX/XX/XXXX shows a purchase of {$5.00} and a bill payment of exactly {$25.00}. Under standard banking protection rules, transactions must exceed {$25.00} to trigger an individual fee.\n\nThe Extended Overdraft Trap ( {$7.00} Daily Fees ) : The sheer volume of these automated {$36.00} fees is what kept dragging my account balance deeply into the negative, automatically triggering multiple {$7.00} daily penalty fees ( such as on XX/XX/XXXX and XX/XX/XXXX ). These fees directly caused a compounding cycle that made it impossible to maintain a positive balance.\n\nI am a consistent customer with regular, substantial deposits clearing into this account month after month. The mainline customer service team acknowledged these excessive charges and offered a minimal waiver of two fees, directing me to management for the full balance.\n\nBecause the local branch manager completely refused to provide customer service or review the fairness of this timeline, I am escalating this to corporate. I am asking for a supervisor to review this 60-day history and credit these 9 disputed fees back to my account as a standard professional courtesy so I can comfortably maintain my banking relationship with Old National Bank .\n\nThank you for your immediate time and review. I look forward to your response. \nSincerely, XXXX.","date_sent_to_company":"2026-05-20T21:17:55.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"60411","tags":null,"has_narrative":true,"complaint_id":"22404674","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OLD NATIONAL BANCORP","date_received":"2026-05-20T21:09:42.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["She claimed that the fees are <em>triggered</em> because I am being charged based on the total negative balance of the account rather than per individual transaction item.\n\nWhile I now understand that your automated <em>system</em> utilizes the total negative balance at the end of the day to override individual item protections, the way these <em>charges</em> stack up creates an inescapable trap."]},"sort":[15.810223,"22404674"]},{"_index":"complaint-public-v1","_id":"3459363","_score":15.803278,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have been attempting since XX/XX/XXXX to close my account with Key Bank in XXXX  since I now live in XXXX. This account has been in existence since the XXXX. \n\nI contacted the bank by phone on XX/XX/2019 to assist me with this problem. \nYou will see from the attached document that their system continued to charge me service charges while I was in direct contact with them begging them to help me close this account from XXXX. \n\nThey advised me to deposit XXXX cents into the account so that I could close the account. \nI did so, as evidenced on the attached bank statement on XX/XX/2019. \nThey told me to accomplish this through a XXXX system transfer. \nXXXX only allowed a {$1.00} transfer for whatever reason. \n\nOn XX/XX/2019, they again charged me a {$33.00} overdraft fee while I have been begging them on the phone to help me close this account. They have refused to do so. \n\nA incorrect transfer of {$1000.00} was deposited into my account in error on XX/XX/2019, and they are telling, me through not fault of my own, that this triggered the account to stay open. They will not help me to close this account and now need your agency 's assistance to do so & I am respectfully asking for your involvement. \n\nThank you. \nXXXX XXXX","date_sent_to_company":"2019-12-05T16:02:55.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"333XX","tags":"Older American","has_narrative":true,"complaint_id":"3459363","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"KEYCORP","date_received":"2019-12-05T15:44:06.000Z","state":"FL","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["You will see from the attached document that their <em>system</em> continued to <em>charge</em> me service <em>charges</em> while I was in direct contact with them begging them to help me close this account from XXXX. \n\nThey advised me to deposit XXXX cents into the account so that I could close the account. \nI did so, as evidenced on the attached bank statement on XX/XX/2019. \nThey told me to accomplish this through a XXXX <em>system</em> transfer. \nXXXX only allowed a {$1.00} transfer for whatever reason."]},"sort":[15.803278,"3459363"]},{"_index":"complaint-public-v1","_id":"18722568","_score":15.511906,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Affirms automated system repeatedly failed to apply my approved payment plans to two XXXX XXXX XXXX charges totaling {$210.00} on January 9-14, 2026, despite multiple approvals and active plans ( including a pending {$600.00} plan that should have covered or integrated with this ). Instead, the transactions were processed as pay in full, triggering an immediate attempted bank withdrawal, NSF fees, account suspension, and locked access to my Affirm card all right at check-in time, causing significant inconvenience, stress, and financial harm. After being transferred multiple times across agents ( including back to the same unhelpful representative, XXXX XXXX, proving the broken escalation loop ), support refused any manual intervention, repeatedly blaming the system and offering only empty apologies without resolution. This is not isolated ; numerous similar complaints on XXXX ( XXXX ) and XXXX describe Affirms notorious issues with hotel bookings ( especially XXXX ), where plans vanish, charges bypass installments, virtual cards expire before final charges, and disputes are ignored turning buy now, pay later into a deceptive trap. I demand Affirm immediately : ( 1 ) reverse the erroneous {$210.00} charge and any associated fees, ( 2 ) reinstate my account without penalty, ( 3 ) apply the intended payment plan retroactively or cancel the forced full payment, and ( 4 ) provide written confirmation of these fixes to prevent further damage. Continued refusal to correct their own processing error is unacceptable and predatory.","date_sent_to_company":"2026-01-14T19:28:15.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"90044","tags":null,"has_narrative":true,"complaint_id":"18722568","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2026-01-14T19:17:06.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Affirms automated <em>system</em> repeatedly failed to apply my approved payment plans to two XXXX XXXX XXXX <em>charges</em> totaling {$210.00} on January 9-14, 2026, despite multiple approvals and active plans ( including a pending {$600.00} plan that should have covered or integrated with this )."]},"sort":[15.511906,"18722568"]},{"_index":"complaint-public-v1","_id":"12773817","_score":15.193829,"_source":{"product":"Debt collection","complaint_what_happened":"In XXXX, I lived at XXXX XXXX XXXX XXXX XXXXXXXX, managed by XXXX XXXX XXXX. My experience there was unsafe and traumatic my XXXX  XXXX was broken into, my personal car was stolen, and I was stalked by another resident. The final straw was when I was XXXX XXXX by XXXX women in front of my apartment building while walking my dogs, and staff did nothing to help. I filed a police report and was forced to move out for my safety. \n\nAfter I moved, the complex reported a debt of over {$3000.00} to collections an amount I never agreed to and which has never been explained to me. I have repeatedly requested a full breakdown of the charges but have never received one. I was also charged multiple fees related to a {$1000.00} payment, which was only submitted once. My bank confirmed there was only one authorized transaction, yet the management company tried to run the charge twice, causing the second attempt to fail and trigger returned check fees. These were not my fault. \n\nDespite many emails to the company explaining this and requesting clarification, I received no sufficient response or resolution. They also changed management systems mid-lease, which created major issues with the rent payment system and led to confusion and billing errors. I have documentation showing all of this, including emails, payment confirmations, and my police report. \n\nThis debt was not valid, was never verified, and was directly tied to a situation where I was forced to flee for my safety.","date_sent_to_company":"2025-04-02T17:17:29.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"23452","tags":null,"has_narrative":true,"complaint_id":"12773817","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2025-04-02T16:55:03.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["They also changed management <em>systems</em> mid-lease, which created major issues with the rent payment <em>system</em> and led to confusion and billing <em>errors</em>. I have documentation showing all of this, including emails, payment confirmations, and my police report. \n\nThis debt was not valid, was never verified, and was directly tied to a situation where I was forced to flee for my safety."]},"sort":[15.193829,"12773817"]},{"_index":"complaint-public-v1","_id":"16692800","_score":15.127877,"_source":{"product":"Credit card","complaint_what_happened":"Got it that extra {$22.00} interest means they actually hit you for {$330.00} total ( {$160.00} + {$22.00} + {$150.00} ). That strengthens your complaint because it shows they already adjusted part of it, proving they recognized an issue, yet they still kept charging. \n\nHeres your final, ready-to-submit CFPB complaint text reflecting everything, including that {$22.00} and the system failure that blocked your XXXX payment CFPB Complaint Text ( Final Version ) Issue : Capital One charged me over {$330.00} in interest and late fees even though I paid my full balance, and the missed payment that triggered all of this was caused by their own payment system failure. \n\nDetails : I have a Capital One Quicksilver credit card ( ending in XXXX, credit limit {$8800.00}, 27.99 % APR ). I always pay on time. On XX/XX/year>, I accidentally made an incorrect payment and canceled it immediately. When I tried to pay my correct full balance on XX/XX/XXXX ( the due date ), the Capital One app blocked my payment and displayed an error. I called customer service that same day, but they confirmed that no payment could be accepted. Despite this being their systems fault, Capital One reported it as a missed payment. \n\nAfter that, they charged me {$160.00} in interest for XXXX, partially refunded {$22.00}, then charged me another {$150.00} in XXXX totaling {$330.00} in finance charges plus late fees and loss of my grace period. \nMy balance was paid in full on XX/XX/XXXX, yet they continued charging interest even after I brought the account current. \n\nI spoke with multiple representatives and even escalated the issue, but they refused to reverse the charges, insisting that the interest was valid under policy. This is unreasonable since I tried to pay on time and was blocked by their own system error. \n\n\nSupporting documents : XXXX & XX/XX/year> statements showing the interest charges ( {$160.00}, {$22.00} credit, {$150.00} ). \nProof of XX/XX/XXXX full payment. \nTerms and conditions letter showing 27.99 % APR and {$8800.00} credit limit. \nScreenshots and notes from failed XX/XX/XXXX payment attempt and support call. \n\nSummary : This was a one-time incident caused by Capital Ones system, not my negligence. I paid in full, yet they charged over {$330.00} in interest finance charges and refused any goodwill adjustment. Im requesting the CFPB to review and help correct this unfair billing practice.","date_sent_to_company":"2025-10-21T00:16:29.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"017XX","tags":null,"has_narrative":true,"complaint_id":"16692800","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-10-20T23:57:40.000Z","state":"MA","company_public_response":null,"sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["Heres your final, ready-to-submit CFPB complaint text reflecting everything, including that {$22.00} and the <em>system</em> failure that blocked your XXXX payment CFPB Complaint Text ( Final Version ) Issue : Capital One charged me over {$330.00} in interest and late fees even though I paid my full balance, and the missed payment that <em>triggered</em> all of this was caused by their own payment <em>system</em> failure."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[15.127877,"16692800"]},{"_index":"complaint-public-v1","_id":"22209823","_score":15.06396,"_source":{"product":"Credit card","complaint_what_happened":"Dispute regarding unfair Interest Charges caused by recurring PayPal payment system failures.\n\nDescription of what happened : I am filing a formal complaint against PayPal Credit for persistent technical failures in their payment processing system that resulted in unfair interest charges across two billing cycles ( XXXX and XX/XX/year> ). \n1. Facts and Recurring Technical Failure : For two consecutive months, I have been unable to pay my balance in full through the PayPal interface despite having a verified XXXXXXXX XXXX account with sufficient funds. \nThe Error : Whenever I attempt to pay, the system displays messages such as \" Use another card, '' \" Add a different bank, '' or \" Try again later. '' Attempted Methods : I have tried multiple payment methods ( Direct bank transfer, Debit card, and Checking account ). All were repeatedly blocked by PayPals server-side errors. \n2. Impact on XXXX Billing Cycle : Statement Balance : {$1600.00} | Due Date : XX/XX/year>. \nTimeline : On XX/XX/XXXX, I attempted to pay the full balance. The system only allowed a partial payment of {$1100.00} before blocking all further attempts. \nResult : Because of the system 's refusal to process the remaining {$500.00}, I added money late and made payment on XX/XX/year>. \nPenalty : This 5-day delay, caused entirely by PayPal 's technical bug, triggered an interest charge of {$26.00} on my next statement. \nXXXX. Impact on XXXX Billing Cycle & Bank Intervention : Due Date : XX/XX/year>. \nTimeline : The same error occurred. I had approximately {$1500.00} remaining. Due to PayPal 's system blocking my attempts on the due date, the final payment was not completed until XXXX XXXX was forced to manually initiate a transfer from XXXX. \nBank Disturbance : These failures were so severe that my bank ( XXXX ) had to contact me to verify information, causing significant distress. \nPotential Loss : I anticipate further unfair interest charges on my upcoming statement due to this 1-day delay caused by the same recurring bug. \nI have contacted their credit card department by phone to request a waiver of this fee, but my request was rejected. I do not believe this issue is my fault at all ; the extra interest is entirely caused by their technical system failure. My repayment records fully prove that I have a strong willingness to repay and no intention of making overdue payments deliberately. I am willing to provide any relevant information and assist fully if needed.","date_sent_to_company":"2026-05-14T18:09:08.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"91741","tags":null,"has_narrative":true,"complaint_id":"22209823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-05-14T17:37:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["The <em>system</em> only allowed a partial payment of {$1100.00} before blocking all further attempts. \nResult : Because of the <em>system</em> 's refusal to process the remaining {$500.00}, I added money late and made payment on XX/XX/year>. \nPenalty : This 5-day delay, caused entirely by PayPal 's technical bug, <em>triggered</em> an interest <em>charge</em> of {$26.00} on my next statement. \nXXXX. Impact on XXXX Billing Cycle & Bank Intervention : Due Date : XX/XX/year>. \nTimeline : The same <em>error</em> occurred."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[15.06396,"22209823"]},{"_index":"complaint-public-v1","_id":"22314516","_score":15.055934,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against Wells Fargo for failing to properly investigate a merchant dispute, ignoring concrete evidence, violating my account preference settings, and wrongfully forcing my account into a negative balance.\n\nI disputed a {$500.00} charge from XXXX for a vehicle damage deposit. XXXX deceptively processed this as a \" recurring charge '' instead of a one-time fee, slamming my debit card. I am disputing this because XXXX failed to establish the agreed-upon payment plan discussed prior to the rental, and instead drafted the full lump sum without authorization. \nWells Fargo summarily rejected my dispute because I can not provide a formal \" payment plan agreement. '' This demand is entirely backwards. I have written proof from XXXX Support explicitly admitting that their system only triggers a payment plan if an account has insufficient funds and the transaction fails. Because Wells Fargo failed to honor my account settings and wrongfully allowed the charge to processforcing my account into a massive overdraftXXXX XXXX actions directly prevented XXXXXXXX XXXX payment plan system from activating. I can not produce a payment plan agreement because Wells Fargo 's error made it impossible to generate one.\n\nFurthermore, Wells Fargo permitted this transaction to overdraw my account despite the fact that I have overdraft services explicitly turned off to prevent negative balances. Because XXXX coded the transaction as \" recurring, '' Wells Fargo bypassed my settings and let it slam my account anyway. To make matters worse, the Wells Fargo mobile app provides zero consumer visibility or transparency, hiding the status of whether overdraft services are active or disabled. Wells Fargo refused to review my concrete evidence, failed to honor my opted-out settings, failed to block the unauthorized charge, and is now trying to force me into a bank payment plan for a predatory merchant error.","date_sent_to_company":"2026-05-18T19:01:52.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92706","tags":null,"has_narrative":true,"complaint_id":"22314516","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-05-18T18:32:30.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I have written proof from XXXX Support explicitly admitting that their <em>system</em> only <em>triggers</em> a payment plan if an account has insufficient funds and the transaction fails. Because Wells Fargo failed to honor my account settings and wrongfully allowed the <em>charge</em> to processforcing my account into a massive overdraftXXXX XXXX actions directly prevented XXXXXXXX XXXX payment plan <em>system</em> from activating."]},"sort":[15.055934,"22314516"]},{"_index":"complaint-public-v1","_id":"3398129","_score":14.93402,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"FNBO Beware. I opened the credit card account after being marketed by FNBO/XXXX XXXX endlessly following the recent purchase of our 2019 XXXX. After 6 months of not using the card, I made a few purchases and kept my utilization around 30 % of my {$8500.00} limit. I logged into their system and created an auto payment ( direct debit ) from my checking account ( XXXX XXXX ). FNBO charged me a late payment fee and a bad payment fee {$26.00} and {$35.00} respectfully. I called and they found an extra duplicative digit in the checking account number. They reversed one fee and left the second. FNBO then triggered a reduction in my credit limit resulting in a reportable event to the credit bureaus show I had suddenly utilized 94 % of the current balance, causing a cascading effect on my FICO scores. No one on the call stated this simple typo error would cause so much impact. I sent them a payoff for the total due today and never want to be their customer again. FNBO is acting predatory to cardholders. They are impacting a lot of consumers with much less means than i am fortunate enough to have. FNBO is charging fees for their own systems failings.","date_sent_to_company":"2019-10-07T19:21:02.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"30350","tags":null,"has_narrative":true,"complaint_id":"3398129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST NATIONAL BANK OF OMAHA","date_received":"2019-10-07T19:03:58.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["FNBO is <em>charging</em> fees for their own <em>systems</em> failings."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[14.93402,"3398129"]},{"_index":"complaint-public-v1","_id":"15087349","_score":14.82798,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting a complaint against Citibank regarding duplicate payments made through its online bill pay system, which have resulted in financial loss and a lack of accountability from the bank. \n\nBackground : On XX/XX/XXXX, three duplicate bill payments of {$260.00} each ( totaling {$800.00} ) were automatically processed by Citibank to my XXXX XXXX ( XXXX ). These payments were not manually initiated by either me or my co-signer. The account had a long-standing automatic recurring payment setup, and no changes were made that would have triggered this behavior. \n\nI immediately contacted Citibank after discovering the overpayments. However, they denied any system error and stated that the payments were initiated through my co-signers login credentials. They refused to provide system logs or other documentation, citing security reasons, despite my request for supporting evidence. \n\nRepeated Issue : On XX/XX/XXXX, the same issue occurred again three more duplicate payments of {$260.00} were scheduled. After I contacted Citibank again, they manually stopped two of the three duplicate payments, preventing a full recurrence. However, due to the payment confusion, I incurred a {$70.00} penalty from the XXXX, which Citibank refused to reimburse, stating it is a third-party charge outside their responsibility. \n\nTheir investigation continues to insist the payments were initiated from our end, despite no manual intervention and an otherwise consistent auto-pay setup. They refuse to acknowledge the possibility of a system error or to release relevant activity logs to support their claim. \n\n\nPlease find attached screenshot of the duplicated payments. Citi reference # XXXX and XXXX which continues to deflect responsibility. \n\nThank you for your attention to this matter. \n\nSincerely, citibank customer","date_sent_to_company":"2025-08-06T01:48:52.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"22030","tags":null,"has_narrative":true,"complaint_id":"15087349","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-08-06T01:29:51.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["The account had a long-standing automatic recurring payment setup, and no changes were made that would have <em>triggered</em> this behavior. \n\nI immediately contacted Citibank after discovering the overpayments. However, they denied any <em>system</em> <em>error</em> and stated that the payments were initiated through my co-signers login credentials. They refused to provide <em>system</em> logs or other documentation, citing security reasons, despite my request for supporting evidence."]},"sort":[14.82798,"15087349"]},{"_index":"complaint-public-v1","_id":"19075256","_score":14.704802,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding an improperly assessed deferred interest charge on my CareCredit account issued by Synchrony Bank. \nI had a promotional balance with deferred interest that was paid in full on XX/XX/year>, prior to the promotional expiration date. Despite the balance being paid before expiration, Synchrony later assessed {$420.00} in deferred interest. \nWhen I contacted CareCredit, I was informed that my payment was applied to a different balance because I did not call to request manual allocation to the promotional balance. As a result, the system treated the promotion as unpaid and triggered deferred interest. \nThis is not a standard billing dispute. This is an account servicing and payment application issue. The payment amount was sufficient to satisfy the promotional balance in full before the expiration date, and the interest was assessed solely due to Synchronys internal payment allocation process. \nI did not reasonably discover this error until 2 months later when reviewing account history, at which point I contacted CareCredit promptly via chat and phone call. I have contacted multiple times. Synchrony has refused to correct the error, citing an internal 60-day dispute policy, despite the issue involving misapplication of a timely payment rather than an unauthorized or incorrect transaction.","date_sent_to_company":"2026-01-28T18:17:45.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"267XX","tags":null,"has_narrative":true,"complaint_id":"19075256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-01-28T18:04:03.000Z","state":"WV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["As a result, the <em>system</em> treated the promotion as unpaid and <em>triggered</em> deferred interest. \nThis is not a standard billing dispute. This is an account servicing and payment application issue. The payment amount was sufficient to satisfy the promotional balance in full before the expiration date, and the interest was assessed solely due to Synchronys internal payment allocation process."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[14.704802,"19075256"]},{"_index":"complaint-public-v1","_id":"16824067","_score":14.349256,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding Comenity Banks handling of my promotional purchase plan, which I believe constitutes deceptive and predatory lending practices. \n\nOn XX/XX/XXXX, I made a {$3000.00} promotional purchase under a 0 % XXXX XXXX plan ( Payment Plan # XXXX ), set to expire on XX/XX/XXXX. Under the terms of the agreement, the full balance was required to be paid in full prior to the expiration date in order to avoid deferred interest charges. \n\nI fulfilled my obligation and paid the entire {$3000.00} balance before XX/XX/XXXX. However, Comenity improperly applied {$280.00} of that payment to a different promotional plan on the same accountPayment Plan # XXXX, which does not expire until XX/XX/XXXX. \n\nPer Comenitys own stated policy and standard lending practices, payments must be applied first to promotional balances expiring sooner, not later. There was no justification for diverting {$280.00} to the later-expiring plan. As a result of this misallocation, Comenitys system falsely reflected a remaining balance of {$260.00} on the earlier plan. At the expiration of the promotional plan that expired on XX/XX/XXXX, this error that incorrectly left a {$260.00} remaining balance triggered the assessment of all accrued deferred interest on the {$3000.00} purchase, which Comenity then added to my balance, continuing to charge additional interest going forward.\n\nIn summary, I met all obligations of the promotional plan by paying in full before the expiration date. Comenitys misapplication of fundswithout notification or consentmanufactured a false delinquency and resulted in the improper assessment of interest and fees, effectively penalizing me for an error of their own making.\n\nI am requesting the removal of all retroactively applied deferred interest and associated fees, a correction of my account balance, and written confirmation of these adjustments.\n\nAttached are supporting statements and payment records reflecting : - The {$3000.00} promotional purchase dated XX/XX/XXXX - XXXX timely payment history totaling {$3000.00} prior to XX/XX/XXXX - The improper reallocation of {$280.00} to a later-expiring plan, thereby leaving {$260.00} on the sooner-expiring plan to then trigger a \" not paid in full '' result of total accrued interest being added. \n\nThank you for your attention to this matter. I request that the CFPB investigate Comenity Banks payment application practices, as this appears to be a systematic issue that may impact other consumers as well.","date_sent_to_company":"2025-10-26T21:55:39.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"20171","tags":null,"has_narrative":true,"complaint_id":"16824067","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-10-26T21:38:44.000Z","state":"VA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["As a result of this misallocation, Comenitys <em>system</em> falsely reflected a remaining balance of {$260.00} on the earlier plan. At the expiration of the promotional plan that expired on XX/XX/XXXX, this <em>error</em> that incorrectly left a {$260.00} remaining balance <em>triggered</em> the assessment of all accrued deferred interest on the {$3000.00} purchase, which Comenity then added to my balance, continuing to <em>charge</em> additional interest going forward."]},"sort":[14.349256,"16824067"]},{"_index":"complaint-public-v1","_id":"13973008","_score":14.269144,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a formal complaint against PayPal Credit ( Synchrony Bank ) for refusing to reverse charges related to a compromised XXXX Ads account, despite clear documentation that the charges were the result of fraud, platform failure, and system-level overdeliveryall of which XXXX acknowledged in writing. \n\nIn XX/XX/year>, my XXXX Ads account was compromised. A hacker had spent months embedding dormant, irrelevant, and foreign-language keywords into my campaigns. Between XX/XX/XXXX and XX/XX/XXXX, those keywords were triggered all at once, resulting in over {$11000.00} in charges in just XXXX days. This was entirely abnormalmy typical daily ad spend ranges from {$30.00} to {$50.00}, and my annual ad budget is generally {$10000.00} to {$15000.00}. \n\nI have operated my business for over 15 years and had never used personal credit lines like PayPal Credit to cover advertising costs. I only used PayPal Credit in this instance because XXXX explicitly promised a refund, admitting their platform overdelivered and served incorrect merchant product feeds. I relied on that promise and used multiple personal credit accounts, including PayPal Credit, to temporarily cover the charges. \n\nThe total incident totaled {$32000.00}, but only a portion was charged to PayPal Credit. I submitted a formal dispute including : XXXX email from XX/XX/year> ( Ticket ID : XXXX ) promising a refund for invalid traffic. \n\nA second email from XX/XX/year>, acknowledging platform delivery errors. \n\nKeyword and billing evidence showing the fraudulent traffic. \n\nA dispute letter explaining the account compromise, overbilling, and lasting business damage. \n\nI also requested the merchant supply detailed traffic data, including trigger keywords and landing pages, not just generic billing statements. They failed to do so, and PayPal Credit denied the dispute anyway, ignoring the merchants admitted fault and failure to document the charges. \n\nImportantly, XXXX Ads does not permit advertisers to spend {$11000.00} in a single day through the user interface. Their own internal caps and automation controls prevent this. The only way this could occur is through a platform-level override or security failure, neither of which was initiated by me. The keywords were never removed, and the account was permanently damaged. I had to shut it down. \n\nDespite all of this, PayPal Credit reported my account as delinquent, causing damage to my personal credit over charges that were clearly invalid and unsupported. This was not an ordinary disputeit was a breakdown in platform integrity and a mishandled merchant charge that should have been reversed.","date_sent_to_company":"2025-06-09T23:18:14.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"27587","tags":null,"has_narrative":true,"complaint_id":"13973008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-06-09T23:12:05.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am filing a formal complaint against PayPal Credit ( Synchrony Bank ) for refusing to reverse <em>charges</em> related to a compromised XXXX Ads account, despite clear documentation that the <em>charges</em> were the result of fraud, platform failure, and <em>system</em>-level overdeliveryall of which XXXX acknowledged in writing. \n\nIn XX/XX/year>, my XXXX Ads account was compromised. A hacker had spent months embedding dormant, irrelevant, and foreign-language keywords into my campaigns."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[14.269144,"13973008"]},{"_index":"complaint-public-v1","_id":"15187662","_score":14.233985,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I made a purchase of {$520.00} at B & H Photo using my Comenity Capital Bank card under a XXXX deferred interest promotional plan. The plan was set to be paid off by the expiration date. I made payments toward the balance, and by the end of the plan term, I had already planned to pay in full by the agreed date. \n\nHowever, due to repeated billing errors, misapplied payments, and late fee charges that were later refunded multiple times ( e.g., {$30.00}, {$37.00}, {$41.00} refunds posted on XX/XX/XXXX ), the promo plan expiration passed while these issues were still being disputed. As a result, I was charged accrued interest of {$87.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX, plus other finance charges, even though I only used {$520.00} of credit and was on track to pay it off in time. \n\nI believe this is unfair and deceptive. Their own actions and processing delays caused the expiration of my promotional plan, forcing me to incur finance charges I would not have owed otherwise. I am requesting a full reversal of all finance charges related to this matter. \n\nThe root cause of this issue is that Comenitys system reset my account, which caused my automatic payments to stop without my knowledge. A Comenity representative admitted this to me over the phone, and I have voice proof of this statement. \n\nBecause my auto payments were stopped by their system, I was not able to complete the balance within the XXXX deferred interest period despite being on track to do so. This directly caused the plan expiration, triggering {$87.00} and {$11.00} in finance charges, as well as related fees, which would never have occurred had my scheduled payments continued as agreed. \n\nI am requesting a full reversal of all finance charges, accrued interest, and associated fees, along with an account correction to reflect that the balance was paid in full within the promotional period. This correction should also ensure no negative credit reporting occurs.","date_sent_to_company":"2025-09-16T17:32:31.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"11221","tags":null,"has_narrative":true,"complaint_id":"15187662","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-08-09T15:20:04.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Because my auto payments were stopped by their <em>system</em>, I was not able to complete the balance within the XXXX deferred interest period despite being on track to do so. This directly caused the plan expiration, <em>triggering</em> {$87.00} and {$11.00} in finance <em>charges</em>, as well as related fees, which would never have occurred had my scheduled payments continued as agreed."]},"sort":[14.233985,"15187662"]},{"_index":"complaint-public-v1","_id":"7252624","_score":13.745493,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I can not get CitiBank to properly apply my payment that I made on a XXXX % advance. I have made several attempts to rectify the problem with CitiBank and have previously made a claim. They did make an adjustment but failed to handle it properly as my 0 % advance is now being charged at 18.74 %. This should show as completly paid on XX/XX/XXXX. I was instructed by CitiBank to pay it XXXX day after the expiration date so that it would then trigger moving to a higher interest rate and my payment would then be applied toward that higher rate. I did as instructed and paid additional. I have fought with them ever since as they ended up applying the payment to an advance that was at .99 %. After my last complaint they did make an adjustment but for whatever reason, only showed a portion of that original transfer as being paid and as of my last statement they are still showing that I owe {$2600.00} at 18.74 %. I have another 0 % transfer expiring on XX/XX/XXXX but they have made it impossible to pay it down. According to their policy, any additional payments are first applied to the higher the amount with the higher interest rate. So, even though I have already paid the one that expired in XXXX, they did not put the entire payment toward it and are now charging me interest. Even though I pay additional monies in an attempt to pay down the XX/XX/XXXX transfer, those payments do not go against that amount. I am at my wits end and do not know how to get someone to fix this. They have admitted to me several times that it is their error and their system did not trigger moving the first advance into the higher interest rate and then having my full payments applied against that amount. Surely this has to be illegal. What else can I possibly do to have this rectified??? PLEASE SEE MY PREVIOUS CLAIM XXXX","date_sent_to_company":"2023-07-14T22:22:29.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"97504","tags":null,"has_narrative":true,"complaint_id":"7252624","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-07-14T22:05:19.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["They have admitted to me several times that it is their <em>error</em> and their <em>system</em> did not <em>trigger</em> moving the first advance into the higher interest rate and then having my full payments applied against that amount. Surely this has to be illegal. What else can I possibly do to have this rectified??? PLEASE SEE MY PREVIOUS CLAIM XXXX"],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[13.745493,"7252624"]},{"_index":"complaint-public-v1","_id":"21236528","_score":13.736698,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, I manually made a credit card payment of {$3500.00} because I forgot autopay was already enabled on my account. As a result, two payments of the same amount were initiated, including one through autopay. \n\nAfter realizing the duplicate payment, I contacted the bank and canceled one of the two payments. After that, my account appears to have been miscalculated. I later saw that my statement balance was being treated as {$3600.00} instead of {$3500.00}, even though both my manual payment and autopay were for {$3500.00}.\n\nThis does not make logical sense. If my actual statement balance had been {$3600.00}, there would be no reason for me to intentionally underpay by exactly {$100.00}, and autopay also would not have paid only {$3500.00}. The autopay amount strongly indicates that the statement balance at that time was {$3500.00}. \n\nBecause of this apparent system error after the cancellation of the duplicate payment, I was charged interest that I do not believe I owe. \n\nAdditionally, this error caused my XXXX billing cycle to show a {$0.00} statement balance, which prevented my autopay from triggering at the end of XXXX. This further confirms that my account was in an incorrect state due to this issue.\n\nI\n\nam also concerned that additional interest may continue into the next billing cycle. I spoke with multiple agents, and at least two of them acknowledged that this appears to be a system error. I would also like to add that I have already received a response from the company regarding this issue. They concluded that there was no error and stated that I did not pay the full statement balance of {$3600.00}, and therefore I was correctly charged interest.\n\nI strongly disagree with this conclusion. As explained above, both my manual payment and autopay were for {$3500.00}, which clearly indicates that this was the actual statement balance at the time. There is no logical or system-based explanation for why both payments would be exactly {$100.00} less if the true balance had been {$3600.00}.\n\nAdditionally, I have since raised this issue again and the case is currently under further review. However, the incorrect interest charges remain on my account, and I am concerned that additional interest may continue to accrue while this is being reviewed.\n\nBecause of the conflicting responses and the ongoing financial impact, I am requesting a formal review and correction of this issue.","date_sent_to_company":"2026-04-14T19:41:55.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"75056","tags":null,"has_narrative":true,"complaint_id":"21236528","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2026-04-14T19:23:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["Because of this apparent <em>system</em> <em>error</em> after the cancellation of the duplicate payment, I was charged interest that I do not believe I owe. \n\nAdditionally, this <em>error</em> caused my XXXX billing cycle to show a {$0.00} statement balance, which prevented my autopay from <em>triggering</em> at the end of XXXX. This further confirms that my account was in an incorrect state due to this issue.\n\nI\n\nam also concerned that additional interest may continue into the next billing cycle."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[13.736698,"21236528"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":183,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":183}]}},"product":{"doc_count":183,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":42,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":42}]}},{"key":"Credit card","doc_count":41,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":33},{"key":"Store credit 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